Travel insurance: Canada AMEX Plat and AMEX Plat Aero/CIBC Aero Infinite
Jan 28, 2011, 3:44 am
#1
Original Poster
Join Date: Sep 2009
Posts: 379
Travel insurance: Canada AMEX Plat and AMEX Plat Aero/CIBC Aero Infinite
Hello.
I booked a ticket with my AMEX Plat Aero and was a bit upset to find that regarding travel insurance the RSB company really doesn't offer any kind of insurance when it comes to trip distruption.
CIBC Infinite told me just because their card is Aero that it has no insurance.
You must buy it separate.
I was hoping by booking my ticket on AMEX Plat and being a fraud victim regarding hotel and tour bookings that they could do nothing and the only course was the RCMP or Police fraud section.
Any experience from our FF members?
I booked a ticket with my AMEX Plat Aero and was a bit upset to find that regarding travel insurance the RSB company really doesn't offer any kind of insurance when it comes to trip distruption.
CIBC Infinite told me just because their card is Aero that it has no insurance.
You must buy it separate.
I was hoping by booking my ticket on AMEX Plat and being a fraud victim regarding hotel and tour bookings that they could do nothing and the only course was the RCMP or Police fraud section.
Any experience from our FF members?
Jan 28, 2011, 7:28 am
#2
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
No doubt the legal protections are somewhat different in Canada, but in the USA "fraud" would not be covered by travel insurance but rather you would "dispute" the charge because you paid for goods or services not provided. This would be a basic protection provided with any credit card from any issuer.
Jan 28, 2011, 10:28 am
#3
Join Date: Aug 2007
Location: YTO
Posts: 594
Please clarify the actual problem
When you say you've been victimized, what was actually done?
If someone charged amounts to your account, it's someone else's problem, not yours. Furthermore, it has nothing to do with insurance. you pay for those charges you charged to your account, you don't pay for those you didn't charge. Simple.
But you asked about trip disruption. Did you have a trip booked, which was disrupted? What caused the disruption?
If someone charged amounts to your account, it's someone else's problem, not yours. Furthermore, it has nothing to do with insurance. you pay for those charges you charged to your account, you don't pay for those you didn't charge. Simple.
But you asked about trip disruption. Did you have a trip booked, which was disrupted? What caused the disruption?
Jan 29, 2011, 7:01 pm
#4
Original Poster
Join Date: Sep 2009
Posts: 379
When you say you've been victimized, what was actually done?
If someone charged amounts to your account, it's someone else's problem, not yours. Furthermore, it has nothing to do with insurance. you pay for those charges you charged to your account, you don't pay for those you didn't charge. Simple.
But you asked about trip disruption. Did you have a trip booked, which was disrupted? What caused the disruption?
If someone charged amounts to your account, it's someone else's problem, not yours. Furthermore, it has nothing to do with insurance. you pay for those charges you charged to your account, you don't pay for those you didn't charge. Simple.
But you asked about trip disruption. Did you have a trip booked, which was disrupted? What caused the disruption?
Jan 30, 2011, 11:32 am
#5
Join Date: Sep 2007
Posts: 415
Trip Interruption insurance doesn't work precisely that way. You'd have to look at the parameters described in the insurance certificate that came with your card. If they're telling you that they're not covering your situation, then they're not covering you.
Jan 31, 2011, 1:51 am
#6
Join Date: Jun 2009
Location: LAX
Posts: 6,769
A company based in Montreal was paid to book my hotels, tours and domestic flights but never booked them and I am waiting for the wire transfer to be returned. The fraud by this company in Nun's Island (Ile des Soers - Montreal, Quebec.) has given us disruption by having no place to stay and out of a lot of money. Preparing police file as charges will be filed for fraud.
Can you sue the company that defrauded you to pay for your international tickets? or can you find other arrangements for tours/hotels?
How much time do you have?
Jan 31, 2011, 3:57 am
#7
Original Poster
Join Date: Sep 2009
Posts: 379
Will file police report and file with fraud center if payment is not returned by a date next month.
Dept is first week of March. At this point waiting to see if payment will be returned. First week of February is the time limit for this.
If anyone else ever has to deal with fraud like this, know that you file with the police and they give the report to your bank to have a full investigation on where the wire transfer was sent. Banks can not do a proper investigation of the recip without the police report.
Will let you know.
Jan 31, 2011, 5:48 am
#8
Join Date: Nov 2010
Location: Bellingham, WA
Programs: AMEX Platinum, Delta Gold, Alaska Air MVP Gold
Posts: 449
This is exactly why you NEVER wire transfer a travel agency (or really anyone) money! If they don't take credit cards there's a reason. Wire transfer are basically just like sending them cash.
At this point I'm betting you're out whatever amount you sent them via wire transfer. Even if you sue them or the police arrest them you probably won't see a dime because they don't have your money anymore... They spent it!
At this point I'm betting you're out whatever amount you sent them via wire transfer. Even if you sue them or the police arrest them you probably won't see a dime because they don't have your money anymore... They spent it!
Jan 31, 2011, 7:25 am
#9
Original Poster
Join Date: Sep 2009
Posts: 379
This is exactly why you NEVER wire transfer a travel agency (or really anyone) money! If they don't take credit cards there's a reason. Wire transfer are basically just like sending them cash.
At this point I'm betting you're out whatever amount you sent them via wire transfer. Even if you sue them or the police arrest them you probably won't see a dime because they don't have your money anymore... They spent it!
At this point I'm betting you're out whatever amount you sent them via wire transfer. Even if you sue them or the police arrest them you probably won't see a dime because they don't have your money anymore... They spent it!
Will let you know the results.
Jan 31, 2011, 9:41 am
#10
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Location: Miami, Mpls & London
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Jan 31, 2011, 11:18 am
#11
Join Date: Jun 2009
Location: LAX
Posts: 6,769
I am also confused. So do you have tickets booked or not? You said you booked the flights yourself, so that's the international portion?
Jan 31, 2011, 2:36 pm
#12
Original Poster
Join Date: Sep 2009
Posts: 379
Jan 31, 2011, 4:36 pm
#13
Join Date: May 2007
Location: YYZ, but my heart is in Asia
Programs: AC-SE, CX-DM, DL-G, Hyatt-DM, Hilton-DM, Fairmont-Plt, Marriott-S, Accor-Plt, SPG-G, IHG-Plt
Posts: 4,396
Then none of the card insurances would have covered you unless you have purchased extra insurance, because you didn't pay for those problem expenses with the card.
Feb 2, 2011, 2:32 pm
#14
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Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
http://www.flyertalk.com/forum/other...l-medical.html
Feb 2, 2011, 5:51 pm
#15
Join Date: May 2007
Location: YYZ, but my heart is in Asia
Programs: AC-SE, CX-DM, DL-G, Hyatt-DM, Hilton-DM, Fairmont-Plt, Marriott-S, Accor-Plt, SPG-G, IHG-Plt
Posts: 4,396
While this is generally true, there are exceptions in Canada. This thread has a slightly different focus, but might prove useful to travelblond:
http://www.flyertalk.com/forum/other...l-medical.html
http://www.flyertalk.com/forum/other...l-medical.html
In the OP's case, it's is not a medical issue. I still don't think it would have helped.