Originally Posted by
crimsona
What if you stayed with family or had a vacation property? Not everybody needs a hotel...
That was one of my arguments. I was directed to the language in the Insurance Certificate that stated:
This benefit shall cover loss of or damage to the baggage owned by a covered person during a trip in or outside the province of residence, when the cardholder charges all of the cost of accommodation and principal transportation to his account.
I was told by Canassurance, the underwriter of the policy, that for the baggage policy to be in effect, paid accommodations must be included as part of the trip and must be paid 100% with the NBC World Elite Mastercard. If the trip involves staying with family, using points for any part of the accommodations, camping, connecting to a cruise paid with another c/c or even a same day return flight without requiring accommodations, then you are not covered. I was as incredulous, as I am certain, anyone reading this would be, at just how disingenuous the claim for "6 hour baggage delay" coverage actually is.