Credit Card Insurance coverage
Jan 27, 2015, 8:09 am
#151
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 in one's own private car.
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.
Flight Delay Insurance14†
Charge your airline ticket to your Starwood Preferred Guest Credit Card from American Express and receive up to $500 coverage (aggregate maximum with Baggage Delay Insurance) for hotel, motel, restaurant expenses and other sundry items.
Baggage Delay Insurance15†
Book a flight with your Starwood Preferred Guest Credit Card from American Express and receive up to $500 coverage (aggregate maximum with Flight Delay Insurance) for reasonable and necessary emergency purchases.
Lost or Stolen Baggage Insurance15†
When you fully charge your airline tickets to your Starwood Preferred Guest Credit Card from American Express, you can receive up to $500 coverage for loss or damage to your luggage or personal effects while in transit.
Jan 27, 2015, 11:35 am
#153
Join Date: Feb 2005
Posts: 7,156
Not sure about Avios. You may want to post in the BA forum to see which credit card may have cover, e.g., RBC British Airways Visa covers or not.
Jan 27, 2015, 11:45 am
#154
Join Date: Nov 2012
Posts: 1,083
For Aeroplan bookings, use TD or CIBC Aeroplan Visa Infinite or Visa Infinite Privilege to pay the taxes and charges, you are covered by the travel insurance.
Not sure about Avios. You may want to post in the BA forum to see which credit card may have cover, e.g., RBC British Airways Visa covers or not.
Not sure about Avios. You may want to post in the BA forum to see which credit card may have cover, e.g., RBC British Airways Visa covers or not.
Jan 27, 2015, 2:01 pm
#156
Join Date: Dec 2010
Location: YYZ
Programs: AMEX AC CX UA AA DL
Posts: 3,008
.... 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.
TD Aeroplan Visa Infinite, Trip Cancellation/Interruption
Covered Trip means a trip:
• made by an Insured Person;
• outside the Insured Person’s province or territory of residence;
• that does not extend to or past:
• the date the Insured Person no longer meets the eligibility requirements set out in section 3;
• the date coverage terminates as described in section 4;
• that was booked or reserved prior to departure from the Insured Person’s province or territory of residence; and
• for which the full cost has been charged:
• to Your Account, and/or
• using Your Aeroplan Miles.
SECTION 3 – ELIGIBILITY
The Primary Cardholder is eligible to be insured under this Certificate if, throughout the Covered Trip, the Primary Cardholder:
• is a resident of Canada; and
• has an Account in Good Standing.
The Primary Cardholder’s Spouse is eligible to be insured under this Certificate if, throughout the Covered Trip:
• You are eligible to be insured under this Certificate as described above, even if You are not traveling; and
• the Spouse:
• is a resident of Canada; and
• continues to meet the definition of Spouse of the Primary Cardholder.
The Primary Cardholder’s Dependent Child is eligible to be insured under this Certificate if, throughout the Covered Trip:
• You are eligible to be insured under this Certificate as described above, even if You are not traveling; and
• the Dependent Child:
• is a resident of Canada;
• is traveling with either You or with Your Spouse; and
• continues to meet the definition of Dependent Child.
Jan 27, 2015, 2:05 pm
#157
Join Date: Dec 2011
Location: Canada
Programs: *void
Posts: 2,408
Having said that, others have said Amex DID cover their Aero bookings...but, it may be YMMV, and if push comes to shove, you can expect Amex to pull out their policies and flash them in front of your disappointed eyes. Hope it won't come to that though.
Jan 27, 2015, 7:04 pm
#158
Join Date: Dec 2011
Location: Canada
Programs: *void
Posts: 2,408
Really?
TD Aeroplan Visa Infinite, Trip Cancellation/Interruption
Covered Trip means a trip:
• made by an Insured Person;
• outside the Insured Person’s province or territory of residence;
• that does not extend to or past:
• the date the Insured Person no longer meets the eligibility requirements set out in section 3;
• the date coverage terminates as described in section 4;
• that was booked or reserved prior to departure from the Insured Person’s province or territory of residence; and
• for which the full cost has been charged:
• to Your Account, and/or
• using Your Aeroplan Miles.
TD Aeroplan Visa Infinite, Trip Cancellation/Interruption
Covered Trip means a trip:
• made by an Insured Person;
• outside the Insured Person’s province or territory of residence;
• that does not extend to or past:
• the date the Insured Person no longer meets the eligibility requirements set out in section 3;
• the date coverage terminates as described in section 4;
• that was booked or reserved prior to departure from the Insured Person’s province or territory of residence; and
• for which the full cost has been charged:
• to Your Account, and/or
• using Your Aeroplan Miles.
FWIW, I'm just relaying what a CIBC rep told me, that there's NO coverage when paying with MY AeroInfinite card, which is tied to MY Aero number, but for a redemption drawn from someone else's Aero account. If TD's version of the AeroInfinite is different, then that is a great feature. Unfortunately, I have no confidence with TD reps and their knowledge, so I'm not tempted to call them to find out.
May 21, 2015, 2:29 pm
#159
Join Date: Nov 2009
Location: YVR
Programs: Non-status bottomfeeder
Posts: 827
Covered Trip means a trip:
• made by an Insured Person;
• outside the Insured Person’s province or territory of residence;
• that does not extend to or past:
• the date the Insured Person no longer meets the eligibility requirements set out in section 3;
• the date coverage terminates as described in section 4;
• that was booked or reserved prior to departure from the Insured Person’s province or territory of residence; and
• for which the full cost has been charged:
• to Your Account, and/or
• using Your Aeroplan Miles.
• made by an Insured Person;
• outside the Insured Person’s province or territory of residence;
• that does not extend to or past:
• the date the Insured Person no longer meets the eligibility requirements set out in section 3;
• the date coverage terminates as described in section 4;
• that was booked or reserved prior to departure from the Insured Person’s province or territory of residence; and
• for which the full cost has been charged:
• to Your Account, and/or
• using Your Aeroplan Miles.
Does that mean that the taxes can be paid with something else because the fare (or at least fare portion of a ticket) was paid in miles?
Or because TD says "trip", the "trip" could not happen without both the fare and the tax? And therefore is not the full cost?
Related, has anybody ever got AP to change payment methods after booking?
May 21, 2015, 2:32 pm
#160
Join Date: Nov 2009
Location: YVR
Programs: Non-status bottomfeeder
Posts: 827
More related:
Under the "Flight/Trip Delay Insurance" (policy FC310035)
Covered Trip means travel on a Common Carrier, the fare for which is fully charged to Your Account, or obtained either in full or partially using your Aeroplan Miles. If your Aeroplan Miles have only partially covered your Common Carrier fare, the balance of that fare must be fully charged to Your Account.
From that can infer that the fare is genuinely just the fare and not any other taxes or fees?
Under the "Flight/Trip Delay Insurance" (policy FC310035)
Covered Trip means travel on a Common Carrier, the fare for which is fully charged to Your Account, or obtained either in full or partially using your Aeroplan Miles. If your Aeroplan Miles have only partially covered your Common Carrier fare, the balance of that fare must be fully charged to Your Account.
From that can infer that the fare is genuinely just the fare and not any other taxes or fees?
Jul 6, 2016, 10:59 pm
#161
Join Date: Jun 2013
Location: YVR
Programs: TK Gold, Alitalia Gold, AB Gold, MPC, SPG Gold, IHG, Marriott Silvr, BW Plat, AA, BA, JP
Posts: 244
BMO World elite mc travel insurance
Bumping the thread.....looked at T&C for BMO WE M/c....
Coverage Eligibility
Coverage applies only when You charge the full or partial cost of Your Trip to the Primary or Family
Cardholder’s MasterCard when booking Your Trip.
Insured Person means the Primary Cardholder, Spouse and/or Dependent Child(ren).
Does that mean it will cover Aeroplan reward tickets if taxes paid by this m/c?
(I already know about TD/CIBC aero Infinite card coverage...but since I dont have those.....checking to see if anyone has any experience/info regarding coverage by the BMO worldelite m/c)
thanks
Coverage Eligibility
Coverage applies only when You charge the full or partial cost of Your Trip to the Primary or Family
Cardholder’s MasterCard when booking Your Trip.
Insured Person means the Primary Cardholder, Spouse and/or Dependent Child(ren).
Does that mean it will cover Aeroplan reward tickets if taxes paid by this m/c?
(I already know about TD/CIBC aero Infinite card coverage...but since I dont have those.....checking to see if anyone has any experience/info regarding coverage by the BMO worldelite m/c)
thanks
Jul 7, 2016, 12:52 pm
#162
Join Date: Dec 2010
Location: YYZ
Programs: AMEX AC CX UA AA DL
Posts: 3,008
re. BMO
Sounds too good to be true, but might be true. You should check with the claims department of Allianz Global Risks US Insurance Company (Canadian Branch).
They specifically mention MasterCard reward program is covered. Does that imply something else? I don't know.
"Ticket means evidence of full fare paid for travel on a Common Carrier, which has been partially or completely charged to the Account. Ticket(s) obtained through the redemption of loyalty points earned under the MasterCard reward program are eligible for coverage. The full or partial cost including taxes and/or fees, if applicable, must be either charged to the Account or paid through the redemption of loyalty points earned under the MasterCard reward program."
"Trip means a defined period of travel of definite length for which the full or partial cost of Your Ticket has been charged to the Account (Tickets obtained through the redemption of loyalty points earned under the MasterCard reward program are eligible for coverage)."
Sounds too good to be true, but might be true. You should check with the claims department of Allianz Global Risks US Insurance Company (Canadian Branch).
They specifically mention MasterCard reward program is covered. Does that imply something else? I don't know.
"Ticket means evidence of full fare paid for travel on a Common Carrier, which has been partially or completely charged to the Account. Ticket(s) obtained through the redemption of loyalty points earned under the MasterCard reward program are eligible for coverage. The full or partial cost including taxes and/or fees, if applicable, must be either charged to the Account or paid through the redemption of loyalty points earned under the MasterCard reward program."
"Trip means a defined period of travel of definite length for which the full or partial cost of Your Ticket has been charged to the Account (Tickets obtained through the redemption of loyalty points earned under the MasterCard reward program are eligible for coverage)."
Nov 3, 2018, 4:43 pm
#163
Join Date: Jul 2012
Posts: 34
Hope it's okay to revive this thread...
But I'm wondering if anyone has had any experience filing a baggage delay insurance claim with Amex for a Gold Rewards card, where you travelled on 2 separate tickets, but bags were interlined together. I had filed a baggage delay claim in the past like this, and had it paid, but filed one recently and had it denied. The first ticket and segment were an Aeroplan booking, and then a full fare AC ticket was the second ticket to the destination. Having read the TCs, they don't seem to contemplate multiple tickets and interlining of bags, but I assume they interpret it as both tickets needing to be purchased outright to get the compensation? Not sure why the previous claim was approved though. Could I have just put the claim in as if it was for the second segment that was a full fare ticket, ignoring the first ticket at all? If I hadn't interlined the bag, I would have re-checked it and then ultimately been able to claim compensation for the lost baggage because I had paid for the ticket. Guess something to consider for the future.
But I'm wondering if anyone has had any experience filing a baggage delay insurance claim with Amex for a Gold Rewards card, where you travelled on 2 separate tickets, but bags were interlined together. I had filed a baggage delay claim in the past like this, and had it paid, but filed one recently and had it denied. The first ticket and segment were an Aeroplan booking, and then a full fare AC ticket was the second ticket to the destination. Having read the TCs, they don't seem to contemplate multiple tickets and interlining of bags, but I assume they interpret it as both tickets needing to be purchased outright to get the compensation? Not sure why the previous claim was approved though. Could I have just put the claim in as if it was for the second segment that was a full fare ticket, ignoring the first ticket at all? If I hadn't interlined the bag, I would have re-checked it and then ultimately been able to claim compensation for the lost baggage because I had paid for the ticket. Guess something to consider for the future.
Nov 3, 2018, 7:16 pm
#164
Join Date: Feb 2005
Posts: 7,156
Hope it's okay to revive this thread...
But I'm wondering if anyone has had any experience filing a baggage delay insurance claim with Amex for a Gold Rewards card, where you travelled on 2 separate tickets, but bags were interlined together. I had filed a baggage delay claim in the past like this, and had it paid, but filed one recently and had it denied. The first ticket and segment were an Aeroplan booking, and then a full fare AC ticket was the second ticket to the destination. Having read the TCs, they don't seem to contemplate multiple tickets and interlining of bags, but I assume they interpret it as both tickets needing to be purchased outright to get the compensation? Not sure why the previous claim was approved though. Could I have just put the claim in as if it was for the second segment that was a full fare ticket, ignoring the first ticket at all? If I hadn't interlined the bag, I would have re-checked it and then ultimately been able to claim compensation for the lost baggage because I had paid for the ticket. Guess something to consider for the future.
But I'm wondering if anyone has had any experience filing a baggage delay insurance claim with Amex for a Gold Rewards card, where you travelled on 2 separate tickets, but bags were interlined together. I had filed a baggage delay claim in the past like this, and had it paid, but filed one recently and had it denied. The first ticket and segment were an Aeroplan booking, and then a full fare AC ticket was the second ticket to the destination. Having read the TCs, they don't seem to contemplate multiple tickets and interlining of bags, but I assume they interpret it as both tickets needing to be purchased outright to get the compensation? Not sure why the previous claim was approved though. Could I have just put the claim in as if it was for the second segment that was a full fare ticket, ignoring the first ticket at all? If I hadn't interlined the bag, I would have re-checked it and then ultimately been able to claim compensation for the lost baggage because I had paid for the ticket. Guess something to consider for the future.
The only Canadian credit cards that offer automatic travel insurance coverage when flying on an Aeroplan ticket are CIBC and TD Aeroplan Visa Infinite and Visa Infinite Privilege.
If you do not have one of those cards by CIBC or TD or did not want to pay your taxes and fees with one of those cards, you will need to purchase separate travel insurance.
Nov 4, 2018, 1:13 am
#165
Join Date: Apr 2015
Location: YVR
Programs: UA Premier Platinum
Posts: 3,759
Hope it's okay to revive this thread...
But I'm wondering if anyone has had any experience filing a baggage delay insurance claim with Amex for a Gold Rewards card, where you travelled on 2 separate tickets, but bags were interlined together. I had filed a baggage delay claim in the past like this, and had it paid, but filed one recently and had it denied. The first ticket and segment were an Aeroplan booking, and then a full fare AC ticket was the second ticket to the destination. Having read the TCs, they don't seem to contemplate multiple tickets and interlining of bags, but I assume they interpret it as both tickets needing to be purchased outright to get the compensation? Not sure why the previous claim was approved though. Could I have just put the claim in as if it was for the second segment that was a full fare ticket, ignoring the first ticket at all? If I hadn't interlined the bag, I would have re-checked it and then ultimately been able to claim compensation for the lost baggage because I had paid for the ticket. Guess something to consider for the future.
But I'm wondering if anyone has had any experience filing a baggage delay insurance claim with Amex for a Gold Rewards card, where you travelled on 2 separate tickets, but bags were interlined together. I had filed a baggage delay claim in the past like this, and had it paid, but filed one recently and had it denied. The first ticket and segment were an Aeroplan booking, and then a full fare AC ticket was the second ticket to the destination. Having read the TCs, they don't seem to contemplate multiple tickets and interlining of bags, but I assume they interpret it as both tickets needing to be purchased outright to get the compensation? Not sure why the previous claim was approved though. Could I have just put the claim in as if it was for the second segment that was a full fare ticket, ignoring the first ticket at all? If I hadn't interlined the bag, I would have re-checked it and then ultimately been able to claim compensation for the lost baggage because I had paid for the ticket. Guess something to consider for the future.