Proof of travel insurance via credit card

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There is a difference between getting reminburs*m*nt in the case of travel plans going wrong, and proper travel insurance. Please see Is credit card travel insurance any good?

Some rewards credit cards offer travel insurance. However, your credit card is unlikely to give you all the cover you need as full medical insurance is not included.

First, it’s important to establish what is meant by travel insurance.

If you mean getting a refund if the trip is cancelled or goes wrong, then yes. Credit card providers are bound by strict consumer laws set out in Section 75 of the Consumer Credit Act, which covers purchases of £100 to £30,000.

But credit card providers do not offer full travel insurance, as they do not pay out for medical issues that may arise during a trip overseas.

What don't they usually cover?

  • They may not pay out in the event of lost luggage.

  • They may not include features that are common in travel insurance policies, such as personal liability.

  • They often do not cover medical emergency expense.

  • They often do not cover theft of personal possessions.

The article goes on to say

There is one card that offers comprehensive travel insurance, including medical cover. This the Platinum card from American Express, which comes with a fee of £575 a year.

But obviously this isn't "complimentary" travel insurance as the card attracts a fee, and is part of what that fee covers.

Although it includes life and serious injury compensation, please note the wording of the OP's paragraph carefully:

up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses.

It does not seem to be referring to out-of-pocket expenses, but loss of the holiday itself.

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