Credit Card Insurance coverage
Aug 10, 2014, 9:19 am
#136
Join Date: Jun 2013
Location: YVR
Programs: Marriott Gold
Posts: 952
This has been discussed on the Amex forum and here, and the consensus is use CIBC/TD Aeroplan Visa cards when booking AP redemptions as those cards' insurance do cover Aeroplan redemptions.
Some people have had success redeeming with Amex insurance on reward trips but others have also had failures.
Health insurance should be covered regardless of how the ticket is booked, but trip insurance is not active.
Some people have had success redeeming with Amex insurance on reward trips but others have also had failures.
Health insurance should be covered regardless of how the ticket is booked, but trip insurance is not active.
Aug 10, 2014, 10:36 am
#137
Join Date: Dec 2011
Location: Canada
Programs: *void
Posts: 2,408
I just called the RBC insurance company associated with AMEX travel health insurance.
I was asking about coverage if the flights are booked through Aeroplan miles (points).
The agent told me that the only way a rewards ticket would be covered if one uses one's own AMEX membership rewards points to book the ticket; not by transferring these points to Aeroplan and then booking with the Aeroplan miles/points.
I wonder if one can tell me if anyone has had submitted a claim through an AMEX travel health insurance policy, when booking an Aeroplan reward ticket - and whether the travel insurance covered you, or not?
I was asking about coverage if the flights are booked through Aeroplan miles (points).
The agent told me that the only way a rewards ticket would be covered if one uses one's own AMEX membership rewards points to book the ticket; not by transferring these points to Aeroplan and then booking with the Aeroplan miles/points.
I wonder if one can tell me if anyone has had submitted a claim through an AMEX travel health insurance policy, when booking an Aeroplan reward ticket - and whether the travel insurance covered you, or not?
However, there's a more recent discussion of the Amex Canada Travel Insurance at this thread in the Amex forum. Clipper01 and beep88 have written pretty much the same thing in both threads. Two threads in two forums (AC/AP and Amex)...worth merging?
Amex's official stance on this is that there is NO trip/flight/baggage coverage for any Aeroplan redemption bookings, not even their very own premium Aeroplan Platinum card (I know, crazy ain't it!?!). You will only get out-of-province medical coverage with your applicable Amex cards.
Stick to the CIBC Aerogold Visa or TD Aeroplan Visa, when booking your Aeroplan redemption flights, if you want the flight coverage...and, you have to pay the Aero reward's fees/scamcharges with a card that is attached to the same Aeroplan account that is being used to claim the redemption flight. So, when we book with my wife's Aeroplan points, we use one of her Visa cards, and when we book with my Aeros then we use my Visa.
Regardless of Amex's official policy on Aero redemption coverage, people have reported getting flight coverage anyway, so YMMV.
JJJ, wading thru the Muddy Waters
Oct 26, 2014, 10:07 am
#138
Join Date: Aug 2012
Posts: 96
Credit Card Insurance for redemption tickets
So if I paid taxes and fees using TD Aeroplan Visa Infinity card for my aeroplan reward ticket, I will be covered by the trip cancellation\delay insurance provided by the card, right ?
How about my spouse's or kids' tickets? If they redeem their tickets in their own aeroplan accounts, but I use my TD Aeroplan Visa card to pay for the taxes and fees, will they be covered as well?
Thanks in advance for your input!
How about my spouse's or kids' tickets? If they redeem their tickets in their own aeroplan accounts, but I use my TD Aeroplan Visa card to pay for the taxes and fees, will they be covered as well?
Thanks in advance for your input!
Jan 23, 2015, 9:24 am
#140
Join Date: Dec 2010
Location: YYZ
Programs: AMEX AC CX UA AA DL
Posts: 3,008
Did you read the insurance document that's part of the membership package they sent you with your new card, or posted online http://www.tdcanadatrust.com/documen...ent_533810.pdf
it is clearly spelled out in there. For example,
P. 25 Trip cancellation ... "Paid in advance and the full cost was charged to your account and/or using your Aeroplan Miles"
it is clearly spelled out in there. For example,
P. 25 Trip cancellation ... "Paid in advance and the full cost was charged to your account and/or using your Aeroplan Miles"
Jan 23, 2015, 9:45 am
#142
Join Date: Dec 2010
Location: YYZ
Programs: AMEX AC CX UA AA DL
Posts: 3,008
Jan 23, 2015, 9:57 am
#143
Join Date: Nov 2012
Posts: 1,083
Yes, I read the above already and couldn't figure out whether Award bookings are covered. I'm not sure if taxes & fees would be considered "total cost" of a ticket for award flights. When I called, they said it would be covered, but I'm not really sure if customer service are knowledgeable on the subject.
Jan 24, 2015, 9:14 am
#144
Join Date: Feb 2005
Posts: 7,156
Yes, I read the above already and couldn't figure out whether Award bookings are covered. I'm not sure if taxes & fees would be considered "total cost" of a ticket for award flights. When I called, they said it would be covered, but I'm not really sure if customer service are knowledgeable on the subject.
In any case, I am surprised if the Scotia Amex will cover you when flying on a FF programme redemption ticket when none of the other Amex cards carries such coverage, including the Amex Aeroplan cards.
Jan 24, 2015, 10:03 am
#145
Join Date: Dec 2011
Location: Canada
Programs: *void
Posts: 2,408
So if I paid taxes and fees using TD Aeroplan Visa Infinity card for my aeroplan reward ticket, I will be covered by the trip cancellation\delay insurance provided by the card, right ?
How about my spouse's or kids' tickets? If they redeem their tickets in their own aeroplan accounts, but I use my TD Aeroplan Visa card to pay for the taxes and fees, will they be covered as well?
How about my spouse's or kids' tickets? If they redeem their tickets in their own aeroplan accounts, but I use my TD Aeroplan Visa card to pay for the taxes and fees, will they be covered as well?
NVM, I looked it up in the new card's Footnotes: "Trips will not be covered for trip interruption, if purchased with points (including Aeroplan miles) from a reward program other than the Membership Rewards Program"
Jan 27, 2015, 7:30 am
#147
Suspended
Join Date: Jun 2009
Location: YYZ
Programs: AC E50K (*G) WS Gold | SPG/Fairmont Plat Hilton/Hyatt Diamond Marriott Silver | National Exec Elite
Posts: 19,284
Sorry for a late response, but seeing as no one has responded to your question, I'll repeat that your TD/CIBC Aeroplan Visa Infinite cards will cover ONLY those awards redeemed from your Aeroplan account (redemption account must be the same Aero account that is tied to the Visa card). So, in your latter case, for your spouse/kids redemptions, if you pay with YOUR AeroInfinite, their tix won't be covered.
I realize the irony of such a decision given that I Have a CIBC AI, but I much value a SPG point. Thank you.
*preparing to be stoned to death.
Jan 27, 2015, 7:49 am
#148
Join Date: Feb 2005
Posts: 7,156
If the SPG Amex has out of province medical, that is fine and you are covered subject to the terms and conditions of that policy. In other words, you drive across the border, you are still medically covered. I always have a copy of the policy in my glove compartment. One may be surprised that so many overlooked such seemingly trivial but important thing on a simple cross border shopping trip in one's own private car.
Last edited by Clipper801; Jan 27, 2015 at 8:07 am
Jan 27, 2015, 7:51 am
#149
Suspended
Join Date: Jun 2009
Location: YYZ
Programs: AC E50K (*G) WS Gold | SPG/Fairmont Plat Hilton/Hyatt Diamond Marriott Silver | National Exec Elite
Posts: 19,284
I do not have a SPG Amex and cannot speak definitively. However, I doubt very much since neither the Platinum nor any of the Amex Aeroplan cards, including the latest premium Reserve have this coverage.
If the SPG Amex has out of province medical, that is fine and you are covered subject to the terms and conditions of that policy. In other words, you drive across the border, you are still medically covered. I always have a copy of the policy in my glove compartment. One may be surprised that so many overlooked such seemingly trivial but important thing on a simple cross border shopping trip.
If the SPG Amex has out of province medical, that is fine and you are covered subject to the terms and conditions of that policy. In other words, you drive across the border, you are still medically covered. I always have a copy of the policy in my glove compartment. One may be surprised that so many overlooked such seemingly trivial but important thing on a simple cross border shopping trip.
Jan 27, 2015, 8:05 am
#150
Join Date: Feb 2005
Posts: 7,156
You will submit your claim to Amex's insurer for processing. Amex's insurer will co-ordinate with provincial health and any other insurance coverage that you may have, e.g., from your employer through Sun Life. The latter generally depends on the amount of life time coverage available. If >$50,000, Amex's insurer will co-ordinate, if <$50,000, Amex's insurer will not co-ordinate. This is the case for the Platinum card which I suspect to be the same or very similar for other Amex cards.