Is Credit Card Travel Coverage Sufficient?

Published: Apr 24, 2019

Get the Coverage You Need With the Help of the Travel Insurance Experts™

Many credit card companies do offer travel insurance products on their cards. The key thing to look at on these are the reasons for trip cancellation. Do they meet your needs or are they very basic? A lot of cards only offered a few reasons for trip cancellation. Certain policies outside of your credit card will offer up to 23 or 24 different reasons for trip cancellation. So the first thing you want to do is look at the reasons for trip cancellation to verify that they do meet your needs and if you need help with that, you can simply email us the benefits from your card and we'll take a look.

The next thing to consider on your credit cards policy is how much trip cancellation coverage are they allowing and is it only for the cardholder or is it for anybody on the trip who was purchased with that card? What we can do is, say your card only has a $2,500 per person limit for trip cancellation, but you spent $5,000 per person on the trip. What we'll do is supplement the difference of what your card does not already offer as long as the reasons for cancellation meet your needs. Some credit cards also offer medical and emergency medical evacuation.

What we like to look for on that is the limits available to you for medical for one and the emergency medical evacuation. They may offer a very basic option for the medical and evacuation and what we want to do is verify that you have enough coverage that if something happens to you in a foreign country, that you can be sent home to your home hospital and not be out of pocket any additional monies. So what we'll do is take a look at those benefits on your card and see if there's anything we need to supplement to get you a little better medical policy or more evacuation coverage for your trip.

Thank you for all your questions. Please give us a call at Travel Insurance Center to discuss your travel insurance options for your next trip, or to take a look at your credit card offerings to see what we can do to help you out or help you understand your policy.

Had a great experience purchasing trip insurance. The agent was very friendly, helpful, and fully explained the different options. Will be back! - Robert K.

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The Travel Insurance Experts