Trip Cancel benefit through credit card

[hal2008]

We have no PEC and Work insurance covers worldwide medical. (with deductible and copay)

is usual trip cancel through credit card (free) good enough? (will buy evac separately)

 

q1. anyone with experince or heard cases about trying to use trip cancellation insurance (for covered reason) provided by credit card?

 

q2. if you just want to buy no-deductioble medical and evac coverage, which companies are appropriate (again, no PEC issues)

 

Regards

[6rugrats]

We have no PEC and Work insurance covers worldwide medical. (with deductible and copay)

is usual trip cancel through credit card (free) good enough? (will buy evac separately)

 

q1. anyone with experince or heard cases about trying to use trip cancellation insurance (for covered reason) provided by credit card?

 

q2. if you just want to buy no-deductioble medical and evac coverage, which companies are appropriate (again, no PEC issues)

 

Regards

Your questions are impossible to answer, as I have no idea what credit card coverage you are asking about. You may want to read this policy to see exactly what it covers, and call the company if you have any questions.

 

You can research travel insurance companies on insuremytrip.com.

[klfrodo]

We have no PEC and Work insurance covers worldwide medical. (with deductible and copay)

 

I have the same type coverage,,,, However

 

1. The copay is at "out of network" coverage. hence 50%

2. You will have to pay the bill in full,, then file a claim when you return. No such thing as paying co-pay then turning over your insurance card.

3. Yes, I have emergency transportation to the nearest facility that can stabilize me,,,,, however,,, if I want transportation to get back home for further care,,, that's on my dime.

4. Worst case scenario,,, I die. Only travel insurance provides repatriation of remains.

5. Some countries require proof of ability to pay before any treatment is provided (ie. cash, credit card, line of credit). My health insurance company cannot and will not provide such assistance. Some/most/all travel insurance providers do.

 

Even though I have work provided world wide health insurance coverage, I still purchase travel insurance

[hal2008]

Your questions are impossible to answer, as I have no idea what credit card coverage you are asking about. You may want to read this policy to see exactly what it covers, and call the company if you have any questions.

 

You can research travel insurance companies on insuremytrip.com.

 

 

Sorry for not being clear.

 

Some Chase card offer Trip Cancellation/Delay insurance as part of benefits. Have ready plenty about similar insurance for car rental collision damage. Have read the benefit guide (smallest possible fonts), have talekd to customer service, specific benefit depart ment specialist and underlying Chubb insurer. Think I am clear (to the extent possible) about coverage and interpretation.

 

What I was requesting on this board was if there was anyone out there who actually filed a trip cancel claim using this free benefit.

 

Regards