Originally Posted by
flyme2
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.
You should definitely go up the ladder with this one...
I had a similar issue with VISA Desjardins' cell phone insurance. I got it resolved by complaining to the GIO (
https://scadcanada.org/ ). However, they told me that if the insurance company still didn't want to pay after my complaint, the only one that could say that the insurance certificate was not meeting "an ordinary person's expectations" was a judge sitting in a court of law (such as a small claims court). (Proof that they are they are the only ones with this kind of verbiage would be an excellent proof)
I also read somewhere on flyertalk that a guy had an issue with Capitalone's insurance. He got it resolved by going up the ladder within Capitalone Mastercard (up to Capitalone's Ombudsman).
You should definitely try.