Tick tock, tick tock… It’s time to plan your summer vacation! For a certain number of French people, summer holidays are synonymous with traveling abroad. If this is your case, be sure to find out about your credit card’s travel insurance, as it may not cover enough to protect you during your vacation. So how do you know if your credit card is enough to cover your back abroad? Here’s how to make sure.
Each credit card offers different services. What about travel insurance? Your credit card may cover you in some cases. Most of the time, it covers your emergency medical care, trip cancellation and interruption, and baggage. However, some cards do not offer any travel insurance. There are also credit cards specially designed for frequent travelers, which offer its members additional options. These are therefore less limited.
Be careful, make sure you are well informed about your insurance contract. Indeed, even if it is possible to obtain travel insurance covering the whole household, this is not the case for all. Your contract may also contain exclusions, such as not covering your medical expenses if the injury is related to an extreme sport. If you can’t find your insurance papers, don’t panic. All you have to do is contact your bank’s customer service, who will return these papers to you by post. You can also take advantage of this call to ask all your questions to your bank advisor.
Depending on your age, your insurance may not be as attractive as it used to be. In fact, find out about your contract and the options offered by your credit card, because depending on your age, the duration of your coverage abroad may be reduced.” For example, the Desjardins Odyssée Gold Visa card protects 59 and under for 60 days, 60 to 64 for 31 days and 65 to 75 for 15 days. With this card, a traveler aged 76 and over has no protection,” reports lactualite.com.
The best way to find out what your insurance offers is also to contact them directly. However, do not forget to ask specific questions, such as the amount of expenses covered in the event of loss of your luggage, for example. By calling your insurance company, you can also ensure that it is responsive and efficient. Indeed, each insurance does not have the same service. Some can only be reached on weekdays, at specific times. Others are available 24/7.