longtimeflyin

Did you know that if you have ANY Amex card that if you do a flight redemption with Aeroplan that none of the AMEX cards cover you for insurance? Flight delay/baggage insurance/flight cancellation etc?

That surprised me. CIBC/TD Aeroplan branded credit cards' T&C's indicate that insurance for the above kicks in if you do redeem points using Aeroplan for flights.

I guess I can't get rid of my CIBC/TD card then as the $120 annual fee is worth it just for insurance alone.

Well I guess I could cancel, signup ahead of my trip, and then cancel and get a pro rated annual fee back....I might just do that as I hate banks, despite working for one years ago.

mapleg

Did not surprise me and there have been many discussions about this in the past. I always used CIBC Aeroplan card to book award flights.

Adam Smith

Yes. Their website does mention that in not-very-fine print and it has been repeated bere numerous times.

Yes, provided you pay the taxes/fees with that card.

Do you not also have places you spend money that don't take Amex but do take Visa?

IluvSQ

see my similar discovery in 2015

My Tale of Woe, and cry for help ( Or why I may have to change my handle)

emustyle

If one didn't book award travel with a TD/CIBC Visa, how would you estimate the cost for travel insurance purposes? Is it only insurance for the amount paid?

longtimeflyin

Common misconception. This is not the case as I suspected and confirmed after speaking with an adjuster. You absolutely are under no obligation to pay for the YQ and such with the card to be eligible. Simply being a cardholder is sufficient.

I'm not sure what you mean. Yes, I do rarely shop at places that don't take AMEX and that's what I'm trying to figure out what I want to do. Pay $120 for the CIBC card again or use a no fee cashback card and call it quits.

I'm lost.

mapleg

The CIBC agreement says this:

Trip” means a period of travel for which:
a) There is a Departure Point and a destination; and
b) There are predetermined and recorded beginning and ending dates; and
a) No less than 75% of the Common Carrier fare, hotel or similar accommodations have been charged to Your Card prior
to Your departure.
This definition is extended to include a Common Carrier ticket or accommodations obtained through the redemption of points
from the Card travel reward program.

Frankly, I would always charge the fees /taxes whatever to the CIBC card. Last thing I would want is to get into a protracted argument with them later.

PS-we all do agree that Amex covers nothing for an Aeroplan award.

Stranger

Pretty sure the Aeroplan Amex says the same.

Same wording as non-Aeroplan cards, in which case Aeroplan tickets are clearly excluded.

longtimeflyin

There are no Amex cards that cover an Aeroplan redemption. This is as per their insurance adjuster

Amex is apparently looking into changing or improving this

mapleg

I will believe that when I see it. Amex has been "enhancing" their Canadian Platinum card the same way Aeroplan and AC have been enhancing Aeroplan and Altitude.

More for them, less for us is the motto.

global happy traveller

i got burned by AMEX during the IST coup...... Luckily Aeroplan / EVA Air picked up the tab..

mapleg

Did they use the standard weasel clause of excluding conflicts, insurrections and the like?

Good to hear that AE/EVA ponied up.

laddielad

What cards do provide this coverage?

global happy traveller

no.... rather they claimed that i didn't pay my fare in full because it was Aeroplan reward points.
My issue with them was "your insurance company should have flagged this before process"

expert7700

I know this may only help a minority of folks on the AC forum, and it is not an AMEX, but to list a reference point:

the US issued chase sapphire reserve visa pays as long as any portion of the ticket (tax or any fee) is paid with the card. I have had two "upto $500 for meals, expenses such as clothing, rental car, taxi, hotel" for "delays in getting to my destination for of 6+ hours or overnight". It lists weather as an allowable cause as well.
I usully ask on twitter for a reason for delay/cancellation and use that to claim.

Warning that it is $500 "per ticket" but the agents denied my claim for the amount over $500 when multiple of my covered family members are on the same PNR. The PNR contains multiple ETKT#s, one per pax, but the terms and conditions do not spell out which to use.