When traveling, it is essential to have good insurance coverage in case of an accident, trip cancellation, or even lost luggage. Many credit cards offer travel insurance, but is it really enough? Generally speaking, no, but it all depends on your situation and the terms and conditions of your credit card. So it is extremely important to understand what is included… and what is not!
What is really covered?
Credit cards that offer travel insurance may cover certain situations such as:
- emergency medical expenses abroad
- trip cancellations and/or interruptions
- lost or delayed luggage
- or transportation accidents.
However, this coverage is often limited:
Reimbursement amounts are capped, and often below the actual cost of the trip.
- Coverage is only valid for a limited number of days. In most cases, you are no longer covered after 15 days.
- In many cases, you must have paid for your trip with the same credit card for the insurance to apply. So if you paid with a different card, you may not be covered.
- Pre-existing medical conditions are not covered.
- Family coverage is limited for those accompanying you, reducing their protection.
Why consider comprehensive travel insurance?
Independent travel insurance, such as that offered by Assurance Visiteurs, gives you:
- Comprehensive medical coverage, often up to $5 million or more.
- A duration that can be adjusted to the length of your stay.
- Coverage tailored to your age and health.
- Emergency dental care.
- Peace of mind.
- And above all, 24/7 assistance to help you wherever you are.
Finally, the best way to travel worry-free, whether you’re going away for a week or several months, is to purchase real travel insurance. Find out about our many offers for leisure travel, snowbirds, international students, and more.
