Visa card travel insurance.

[Thom]

Just wondering if others would be comfortable travelling just with the VISA gold card included travel insurance, It's a Zurich policy.

 

[JohnK]

Check out the terms and conditions carefully.

There have been a number of recent reports on AFF about complimentary travel insurance on credit cards not providing cover for all flights on a RTW trip only the outbound flight. There have also been other people on AFF who have had claims rejected for various reasons.

Some people find credit card travel insurance suits them for the simple trips. Personally I would invest money purchasing a travel insurance policy.

 

[Jeffrey O'Neill]

I'm with Citibank and generally relied on their travel insurance provide via Zurich. Fortunately I've never had to make a claim.

Just looking at their current insurance T&Cs it states:

The journey starts:
• on the departure date (from Australia) shown on the
overseas travel ticket; or
• once you leave your home, if you travel directly from your
home in Australia to the Australian air or sea terminal that
is the departure point for your trip.

The journey ends when the first of the following occurs:
· If you have a return overseas travel ticket:
· at midnight on the date when your scheduled
transport (as shown on your overseas travel
ticket) is due to arrive in Australia; or
· when you return to your home in Australia,
provided you travel directly there from the air or
sea terminal where you landed in Australia; or
· three (3) months after the date of departure shown
on your overseas travel ticket; or
· when you cancel your overseas travel ticket.
· If you have a one-way overseas travel ticket:
· when you return to your home in Australia,
provided you travel directly there from the air or
sea terminal where you landed in Australia; or
· 31 days after the date of departure shown on
your overseas travel ticket.

Their cover seems reasonable, but when i was travelling in the USA I decided to give myself a bit of peace of mind by doubling up with some insurance from TID. With a 10% discount code it was just over $100 and meant I didn't have doubts in case of an emergency.

Vampires drain your blood, but the US health care system will do the same and bill you for it :mrgreen:

 

[Thom]

Thanks for the replies, and apologies for posting in the wrong place. Last time I travelled I used the CC policy I compared it with the benefits of a paid policy and they were both very similar and we never had cause to claim anyway. Now I find myself going over the same territory again.

 

[codash1099]

Thanks for the replies, and apologies for posting in the wrong place. Last time I travelled I used the CC policy I compared it with the benefits of a paid policy and they were both very similar and we never had cause to claim anyway. Now I find myself going over the same territory again.

All policies are great until you have to claim. Personally, I always cover with a good TI policy. My thinking is that things that are free are rarely what they claim to be.

 

[equus]

My thinking is that things that are free are rarely what they claim to be.

But is it free? Depending on the card, you have actually paid quite a healthy amount (either in annual fee, or simply on the merchant fee the card company has earn't by forcing you to put the airfare through their card). Simply because you don't pay directly, doesn't mean it is "free", and thus inferior. YMMV