Use Aeroplan for award flights? AMEX cards do not cover you for insurance
Dec 12, 2018, 3:00 pm
#76
Join Date: Jan 2016
Location: YYZ
Programs: FOTSG Tangerine Ex E35k (AC)
Posts: 5,612
O
TD won’t cover it (I was going to get the card if they would and spoke to a friend who works there). My non AP card now claims they will cover me because I paid the entire cost of what I owed on the flight on that card.
However, I only care about the travel insurance part. Medical is not a concern. And I’m already gearing up to fight if it goes horribly wrong.
Is it within NA? Can OMW help?
Hey all, any advice for someone who accidentally paid YQ on an Aeroplan redemption with their Amex without thinking? Any further data on whether I can get the TD card and be covered without having charged the YQ to it (I bank with TD so I wouldn't have to pay the annual fee)? Can I call Aeroplan and have them change which card the YQ was charged to, or am I SOL and have to purchase insurance for the trip?
However, I only care about the travel insurance part. Medical is not a concern. And I’m already gearing up to fight if it goes horribly wrong.
Is it within NA? Can OMW help?
Dec 12, 2018, 5:15 pm
#78
Join Date: Aug 2017
Programs: Air Canada A35K, Bonvoy Platinum
Posts: 169
O
TD won’t cover it (I was going to get the card if they would and spoke to a friend who works there). My non AP card now claims they will cover me because I paid the entire cost of what I owed on the flight on that card.
However, I only care about the travel insurance part. Medical is not a concern. And I’m already gearing up to fight if it goes horribly wrong.
Is it within NA? Can OMW help?
TD won’t cover it (I was going to get the card if they would and spoke to a friend who works there). My non AP card now claims they will cover me because I paid the entire cost of what I owed on the flight on that card.
However, I only care about the travel insurance part. Medical is not a concern. And I’m already gearing up to fight if it goes horribly wrong.
Is it within NA? Can OMW help?
Last edited by etgohomeok; Dec 12, 2018 at 5:24 pm
Dec 12, 2018, 5:46 pm
#79
Join Date: Jan 2016
Location: YYZ
Programs: FOTSG Tangerine Ex E35k (AC)
Posts: 5,612
My work covers medical. I tried a bunch of others to cover the rest and had very little luck until I rang my card up again and got a different answer.
For medical only something like Blue Cross should work. Real pain though. Certainly adds to the cost of redemptions.
For medical only something like Blue Cross should work. Real pain though. Certainly adds to the cost of redemptions.
Dec 12, 2018, 8:25 pm
#80
A FlyerTalk Posting Legend
Join Date: Sep 2012
Location: SFO
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Dec 13, 2018, 2:05 pm
#81
Join Date: Sep 2010
Location: YOW-YYZ-TPE
Programs: AC75, TD AeroInfiniteP, AmexBizPLAT, SPG-G HyattGlobby
Posts: 381
Health (assuming we are under age 67, and meet the T&C of the card)
trip interruption (not weather related)
lost baggage
amongst other issues etc......
I hope to never need it, but I was always under the assumption i am only covered for medical emergencies, and any issues with luggage or travel delays, I was SOL with either card.
TIA for the clarifications.
LFC
Dec 13, 2018, 6:32 pm
#82
Join Date: Jan 2018
Posts: 161
"Rewards means points, miles, cash Rewards, or any other type of redeemable Rewards, provided that all Rewards have been accumulated through use of a Rewards program sponsored by Chase Bank USA, N.A. and/or its affiliates."
Dec 14, 2018, 1:36 pm
#83
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Join Date: Sep 2012
Location: SFO
Programs: AC SE MM, BA Gold, SQ Silver, Bonvoy Tit LTG, Hyatt Glob, HH Diamond
Posts: 44,324
A Covered Trip is a period of round-trip travel (meaning departing from and eventually returning to your primary residence) that doesn’t exceed three hundred and sixty- five (365) days away from your residence to a destination other than your city of residence.
Who is eligible for coverage?
You, a person to whom a United States (U.S.) credit card has been issued (“Cardholder”), your spouse, and your dependent children under twenty-two (22) years of age are automatically covered when a portion or the entire cost of the Common Carrier fare, is purchased with your Chase credit card account (“Account”).
You, a person to whom a United States (U.S.) credit card has been issued (“Cardholder”), your spouse, and your dependent children under twenty-two (22) years of age are automatically covered when a portion or the entire cost of the Common Carrier fare, is purchased with your Chase credit card account (“Account”).
Covered Trip means any pre-paid tour, trip or vacation when some portion of the cost for such travel arrangements less any redeemable frequent flyer miles, points, coupons or certificates, or other types of redeemable Rewards has been charged to your Account:
Dec 14, 2018, 4:12 pm
#84
Join Date: Jun 2009
Location: YYZ, MNL, WAW
Programs: Marriott Titanium, Lifetime Plat, (now an AC nobody)
Posts: 1,978
So to summarize for an Aeroplan Rewards booking ticket using either the AMEX PLAT or the TD/CIBC Aeroplan Infinite Privilege cards to pay for all the fees, we may be/ are eligible for insurance:
Health (assuming we are under age 67, and meet the T&C of the card)
trip interruption (not weather related)
lost baggage
amongst other issues etc......
I hope to never need it, but I was always under the assumption i am only covered for medical emergencies, and any issues with luggage or travel delays, I was SOL with either card.
TIA for the clarifications.
LFC
Health (assuming we are under age 67, and meet the T&C of the card)
trip interruption (not weather related)
lost baggage
amongst other issues etc......
I hope to never need it, but I was always under the assumption i am only covered for medical emergencies, and any issues with luggage or travel delays, I was SOL with either card.
TIA for the clarifications.
LFC
Dec 14, 2018, 4:12 pm
#85
Join Date: Mar 2000
Location: Ottawa, Ontario
Programs: Marriott Ambassador
Posts: 431
What a timely post for me.
Last year I booked an AP flight for the family. I paid the taxes with my Aerogold AP card. I didn't even think about it. At check-in on the outbound the agent at bag drop off said I was eligible for business class check-in next time. The first bag was free. The boarding passes all had zone 2. I have no status and so that was all awesome. On the inbound we used business class check-in bypassing a massive March Break lineup in PVR. We boarded pretty much first. My family thought I was a rock star.
Since being a moron is a genetic trait, I felt compelled to using my AMEX on our Christmas AP travel for this year. While I am sure I can use business class check-in by showing the card who knows about the other benefits. Sigh. No rock star status for me with my wife and kids this year.
Last year I booked an AP flight for the family. I paid the taxes with my Aerogold AP card. I didn't even think about it. At check-in on the outbound the agent at bag drop off said I was eligible for business class check-in next time. The first bag was free. The boarding passes all had zone 2. I have no status and so that was all awesome. On the inbound we used business class check-in bypassing a massive March Break lineup in PVR. We boarded pretty much first. My family thought I was a rock star.
Since being a moron is a genetic trait, I felt compelled to using my AMEX on our Christmas AP travel for this year. While I am sure I can use business class check-in by showing the card who knows about the other benefits. Sigh. No rock star status for me with my wife and kids this year.
Dec 14, 2018, 4:16 pm
#86
Join Date: Jun 2009
Location: YYZ, MNL, WAW
Programs: Marriott Titanium, Lifetime Plat, (now an AC nobody)
Posts: 1,978
Dec 14, 2018, 4:45 pm
#87
Suspended
Join Date: Sep 2014
Programs: AC SE100K-1MM, NH, DL, AA, BA, Global Entry/Nexus, APEC..
Posts: 18,877
This is all discussed in the first 3 pages of this thread.
Amex Canada will NOT provide coverage if you are on an Aeroplan ticket. And they were adamant about it when I called them once.
The Aerogold Visa and similar from TD were known to have a clause that if something like X% of your ticket was paid with the card, you were covered. You need to read your policies.
And I would be very careful when buying the insurance that is offered when you buy an Aeroplan ticket. What you are insuring may not be exactly what you expect.
Amex Canada will NOT provide coverage if you are on an Aeroplan ticket. And they were adamant about it when I called them once.
The Aerogold Visa and similar from TD were known to have a clause that if something like X% of your ticket was paid with the card, you were covered. You need to read your policies.
And I would be very careful when buying the insurance that is offered when you buy an Aeroplan ticket. What you are insuring may not be exactly what you expect.
Dec 14, 2018, 4:49 pm
#88
Join Date: Jun 2009
Location: YYZ, MNL, WAW
Programs: Marriott Titanium, Lifetime Plat, (now an AC nobody)
Posts: 1,978
This is all discussed in the first 3 pages of this thread.
Amex Canada will NOT provide coverage if you are on an Aeroplan ticket. And they were adamant about it when I called them once.
The Aerogold Visa and similar from TD were known to have a clause that if something like X% of your ticket was paid with the card, you were covered. You need to read your policies.
And I would be very careful when buying the insurance that is offered when you buy an Aeroplan ticket. What you are insuring may not be exactly what you expect.
Amex Canada will NOT provide coverage if you are on an Aeroplan ticket. And they were adamant about it when I called them once.
The Aerogold Visa and similar from TD were known to have a clause that if something like X% of your ticket was paid with the card, you were covered. You need to read your policies.
And I would be very careful when buying the insurance that is offered when you buy an Aeroplan ticket. What you are insuring may not be exactly what you expect.
Dec 14, 2018, 7:43 pm
#89
A FlyerTalk Posting Legend
Join Date: Sep 2012
Location: SFO
Programs: AC SE MM, BA Gold, SQ Silver, Bonvoy Tit LTG, Hyatt Glob, HH Diamond
Posts: 44,324
Dec 14, 2018, 9:16 pm
#90
Join Date: Jan 2018
Posts: 161
"If any or all of the Covered Trip was paid for using redeemable Rewards, the Company will reimburse the Insured Person for Rewards used."
If you are swimming in miles and all you care about is the interruption insurance, then by all means use the CSR.