dinkydee718 Posted April 27, 2018 #1 Share Posted April 27, 2018 So this is not specific to NCL, but I am wondering if anyone knows whether a credit card company that offers automatic travel insurance will payout anything if you only pay for part of the cruise cost with that card. Link to comment Share on other sites More sharing options...
Rare Oviedo32765 Posted April 27, 2018 #2 Share Posted April 27, 2018 You need to check the terms of the credit card company. I'm sure each is different. My Citi card will cover the lesser of the actual amount paid for with my Citi card or the maximum coverage per trip. Link to comment Share on other sites More sharing options...
TrumpyNor Posted April 27, 2018 #3 Share Posted April 27, 2018 So this is not specific to NCL, but I am wondering if anyone knows whether a credit card company that offers automatic travel insurance will payout anything if you only pay for part of the cruise cost with that card. I live in Europe (Norway) myself, and here most credit cards that offer automatic travel insurance included, requires that at least 50% of your total travel cost (eg. min. 50% of price for flights and cruise) are paid with that card. Just google the conditions for your particular credit card from your bank, too see the detailed information regarding the travel insurance part of your card. Link to comment Share on other sites More sharing options...
Gershep Posted April 27, 2018 #4 Share Posted April 27, 2018 You really need to read the terms of your credit card that you are going to use. My credit card says the entire trip has to be paid with the credit card in order to have the insurance. Link to comment Share on other sites More sharing options...
buggins0402 Posted April 28, 2018 #5 Share Posted April 28, 2018 (edited) You need to check the terms of the credit card company. I'm sure each is different. My Citi card will cover the lesser of the actual amount paid for with my Citi card or the maximum coverage per trip. Same with Sapphire. I have the AA Citi Card and I thought the T&C on that one had a max of $5K and all trip expenses had to be on the card...but, I read through quickly, since the Saphhires are our go to CC for travel. Note, CC insurance excludes cancellation due to a pre-existing health condition. Look back is 60 days from purchase on Sapphires. Edited April 28, 2018 by buggins0402 Link to comment Share on other sites More sharing options...
grest Posted April 28, 2018 #6 Share Posted April 28, 2018 wow....I have to check my cards. Didn't know that any offered this. Thanks...the things you learn on cruise critic! Link to comment Share on other sites More sharing options...
buggins0402 Posted April 28, 2018 #7 Share Posted April 28, 2018 wow....I have to check my cards. Didn't know that any offered this. Thanks...the things you learn on cruise critic! Note...medical is skimpy so it is best to buy a separate international medical policy, unless your regular coverage includes out of country. Medical costs, if you have an issue, are unlimited. Chase Reserve ($450 a year) does include evac ($100K) but only has a small $2500 emergency medical coverage. Link to comment Share on other sites More sharing options...
Rare BirdTravels Posted April 28, 2018 #8 Share Posted April 28, 2018 We have done small claims on our credit card and it is kinda of a pain to prove you are out of pocket due to trip changes. Link to comment Share on other sites More sharing options...
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