Originally Posted by
threeoh
I think the main complaint here is not that there is a list of exceptions, but that there <strong>isn't</strong> a list of exceptions; instead one has to call in and ask.
For Chase high end cards there is NO exclusion, even though it has not explicitly said so.
Chase is the first issuer that I know of, covers the excess that the basic CDW is mandatory by the governments. Years ago when I found no exclusion mentioned for Australia and New Zealand on the benefits book of Chase Visa Signature. I called as I knew from past experiences all 3 genre - AMEX, VISA and MC excluded Australia and New Zealand, on exclusion list. I was told that the reason there is no exclusion list is because Chase covered worldwide, incl those countries typically on AMEX exclusion list - in way of covering the Excess.
BTW. the insurance at the time was provided by Chubb IIRC but Chase had an internal dept handled customer calls.
I dont feel the need to call to find out what country is excluded if I dont see an explicit list in the fine prints which I always go over several times to make sure.