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American Express Airpoints Platinum Card
- Earn 500 bonus Airpoints Dollars, available to new Card Members only
- Get up to 1 Airpoints Dollar for every $59 spent
- Get complimentary domestic and international travel insurances
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Credit cards with complimentary travel insurance allow you to enjoy your trip while also getting the coverage you need without buying travel insurance outright.
To make sure you get appropriate cover and the most value out of the complimentary insurance policy, use this guide to compare your options and learn what you should look out for in the eligibility criteria and terms and conditions.
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Complimentary travel insurance refers to the insurance policy included with some credit cards. The travel insurance could be an included feature of the card, but that doesn’t mean it’s exactly “free”. Technically, it comes at the cost of the card, which charges interest and could have an annual fee. Also, most travel insurance cover is only activated once you meet specific spend requirements.
Having said that, complimentary or included insurance doesn’t have its own fee, which means it is at “no extra cost”. This credit card perk can save you the time and money that comes with organising standalone travel insurance. It can also reduce the cost of any unforeseen emergencies that may pop up while you’re overseas.
Different credit cards provide different levels of complimentary travel insurance. It is important to look at the card’s terms and conditions to ensure you know what you are covered for and how much coverage applies. The cover varies according to the card you use and the policy itself, so make sure you look at the overall cover, coverage limits and any excess applicable to decide if it’s suitable for your trip. Different types of complimentary travel insurance include:
If you’re over the age specified for full coverage with your credit card’s complimentary insurance, it may still be possible to get limited coverage. Contact the insurance provider directly to find out your options. Alternatively, you may want to buy a policy designed specifically for people aged 65 or older.
Some of the other factors you want to take into account with complimentary credit card travel insurance include:
If you’re interested in getting a credit card with complimentary travel insurance, make sure you also consider the following factors:
If you travel regularly, a credit card with complimentary travel insurance could help you save time and money on additional expenses. As the level of cover and the eligibility requirements vary according to the card and insurance issuer, it’s essential to compare your options and read the terms and conditions so you can find a card with insurance that suits your needs.
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