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Credit Card Insurance Coverage
#318926
05/03/2024 08:05 AM
05/03/2024 08:05 AM
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Joined: Jul 2006
Posts: 13,464 Peaceful Eastern North Carolin...
GaKaye
OP
Traveler
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OP
Traveler
Joined: Jul 2006
Posts: 13,464
Peaceful Eastern North Carolin...
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Trip insurance, including medical coverage, was mentioned in an earlier thread. We're considering getting the AAdvantage Executive World Elite MasterCard. It has a hefty annual fee, but includes membership in Admirals Club lounges, which would benefit us on domestic travel. We generally fly first class, so international travel gets us into the lounges, but domestic doesn't. The card also offers some type of insurance coverage, but details on that aren't available until after you're approved. So my question is, does anyone here have that card, and if so, can you share what the insurance coverage is? Thanks!
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Re: Credit Card Insurance Coverage
[Re: GaKaye]
#318931
05/03/2024 09:04 AM
05/03/2024 09:04 AM
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Joined: Nov 2023
Posts: 67 South Carolina
Alltech63
Traveler
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Traveler
Joined: Nov 2023
Posts: 67
South Carolina
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I have had this CC for quite a while it offers: 1. Worldwide Car rental insurance. 2. Trip Cancellation & Interruption Protection. 3. Trip Delay Protection. 4. Lost Baggage Protection.
You also get 100.00 for TSA precheck application fee
Last edited by Alltech63; 05/03/2024 09:20 AM.
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Re: Credit Card Insurance Coverage
[Re: Alltech63]
#318934
05/03/2024 09:09 AM
05/03/2024 09:09 AM
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Joined: Aug 2000
Posts: 83,598 Central Florida!
Carol_Hill
Traveler
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Traveler
Joined: Aug 2000
Posts: 83,598
Central Florida!
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OK--so to be clear, NO medical coverage? And do you know if the car rental insurance is primary or secondary? We have held onto Eric's Diner's Club for years, because it provides PRIMARY car rental insurance.
Carol Hill
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Re: Credit Card Insurance Coverage
[Re: GaKaye]
#318939
05/03/2024 09:27 AM
05/03/2024 09:27 AM
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Joined: Jul 2018
Posts: 358
eightzerobits
Traveler
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Traveler
Joined: Jul 2018
Posts: 358
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Re: Credit Card Insurance Coverage
[Re: GaKaye]
#318982
05/03/2024 05:59 PM
05/03/2024 05:59 PM
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Joined: Nov 2023
Posts: 67 South Carolina
Alltech63
Traveler
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Traveler
Joined: Nov 2023
Posts: 67
South Carolina
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Yes GA there is but my wife can use admiral club even I am not flying with her which she does sometimes when she flies in to see me when I'm working out of town. I know that I pay less for it because I'm Executive platinum. But there is an extra charge. If you only travel together no need to add an authorized user just know that means that the card holder can only get a total of 2 additional people in AC so if you have 4 adults non family 1 is not getting in AC
Last edited by Alltech63; 05/03/2024 06:24 PM.
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Re: Credit Card Insurance Coverage
[Re: GaKaye]
#319050
05/04/2024 05:42 PM
05/04/2024 05:42 PM
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Joined: Nov 2006
Posts: 1,909
Bahston
Traveler
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Traveler
Joined: Nov 2006
Posts: 1,909
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Let’s bottom line this and maybe close the thread.
Your credit card may or may not have coverage for your rental car. Some coverages are only domestic (home). Some are international. Understand the difference between Primary and Secondary, and when your card provides each. Check with your provider, Figure it out.
No credit card insurance that I know of specifically includes coverage for local medical bills. Some Medicare Advantage plans might. Figure it out,
As to a medevac if you are relying on your credit card then they may fly you home, but you’re eventually going to pay big bucks. The SXM forum has a sponsor who you should look at. I use a different one, but as with any big decision, you should compare your options and use the best one for your personal situation. Figure it out, and expect to pay big bucks if you haven’t pre-bought a plan.
Last edited by Bahston; 05/04/2024 05:46 PM.
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Re: Credit Card Insurance Coverage
[Re: GaKaye]
#319058
05/04/2024 10:37 PM
05/04/2024 10:37 PM
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Joined: Oct 2013
Posts: 1,709 United States of America
bdeeley
Traveler
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Traveler
Joined: Oct 2013
Posts: 1,709
United States of America
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Miss Kaye, maybe check out the Chase Sapphire Reserve Card. It is probably one of the most comprehensive benefits package included with a credit card. The annual fee is steep, at $550, but with an annual $300 travel credit and a full complement of benefits it might be worth considering.
*****************
Highlights
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 75,000 points are worth $1125 toward travel.
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
†**************** How does Chase Sapphire travel protection work Certain benefits that may give you peace of mind when using your card for travel are available to Sapphire Reserve and Sapphire Preferred® cardmembers:
Travel and Emergency Assistance Services: If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
Trip Delay Reimbursement: If your common carrier travel is delayed more than 12 hours (six hours for Sapphire Reserve) or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
Trip Cancellation / Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels. Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for 5 days.
Lost Luggage Reimbursement: If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Auto Rental Collision Damage Waiver: Decline the rental company's collision insurance and charge the entire rental cost to your card. For Sapphire Reserve cardmembers, coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. Sapphire Preferred Cardmembers can be reimbursed up to the actual cash value of the vehicle, but coverage excludes certain cars, such as high value and exotic vehicles.
Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000 ($1,000,000 for Sapphire Reserve).
Additional Benefits covered with Chase Sapphire Reserve travel insurance Certain travel reimbursement, cancellation protection and emergency services are available to Chase Sapphire Reserve® cardmembers on eligible travel booked with their credit card. Here’s some more information about the benefits offered with the card.
Emergency Evacuation and Transportation If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.
Roadside Assistance If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.
Emergency Medical and Dental Benefit If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.
Be Happy! Simply because you deserve to be. 😁
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Re: Credit Card Insurance Coverage
[Re: GaKaye]
#319073
05/05/2024 08:52 AM
05/05/2024 08:52 AM
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Joined: Nov 2023
Posts: 67 South Carolina
Alltech63
Traveler
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Traveler
Joined: Nov 2023
Posts: 67
South Carolina
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I myself do not use the AAdvantage Executive World Elite MasterCard for its insurance coverage while it is nice to have not my main concern. I fly about 20 to 30 times' a year for work the main benefit of this card is lounge access for domestic flights in the USA. Because I travel in the US, Europe and Asia for work my company provides my medical coverage even if I on vacation of course I do pay for that. When you spend as much time in airports as I do lounge access is a must even if they are starting to get a little crowded. American Airlines has many CC just like some of the other types of CC that have been mentioned all have certain benefits get the one that suits your travel needs as I have more than 1 CC. My works also pays my annual fee for the executive card which was 550.00. but even if they didn't I would still use it because piece of mind and a tad less chaos in an airport goes a long way for me these days. I might also add all major airlines have this type of CC for lounge access since I fly American only because they give me more flight options and for personal travel we are very close to Charlotte which provides non stop options to more locations another thing I am willing to pay for.
Last edited by Alltech63; 05/05/2024 09:17 AM.
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Re: Credit Card Insurance Coverage
[Re: Bahston]
#319085
05/05/2024 12:03 PM
05/05/2024 12:03 PM
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Joined: Aug 2000
Posts: 83,598 Central Florida!
Carol_Hill
Traveler
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Traveler
Joined: Aug 2000
Posts: 83,598
Central Florida!
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Bahston--wow, it may not happen?? I would be disappointed if it does not. Not wanting you to break confidences, but why did your friends refuse to bid on the lounge?
Carol Hill
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Re: Credit Card Insurance Coverage
[Re: GaKaye]
#319090
05/05/2024 12:33 PM
05/05/2024 12:33 PM
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Joined: Nov 2023
Posts: 67 South Carolina
Alltech63
Traveler
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Traveler
Joined: Nov 2023
Posts: 67
South Carolina
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Sxm no lounge access is only for AA admirals clubs in USA if you fly business class for foreign flights to Europe or Asia you also get lounge access without CC unfortunately the Caribbean is not included. Also if you have top status you get lounge access even if flying in main cabin for foreign destinations.
Last edited by Alltech63; 05/05/2024 12:42 PM.
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Re: Credit Card Insurance Coverage
[Re: GaKaye]
#319100
05/05/2024 01:27 PM
05/05/2024 01:27 PM
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Joined: Nov 2023
Posts: 67 South Carolina
Alltech63
Traveler
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Traveler
Joined: Nov 2023
Posts: 67
South Carolina
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Well good for you thanks for sharing learn something new everyday so since you have 1st or business class I suggest you use Flagship instead of Admiral club lounge much nicer. I do find your access to CLT AC suspect as we just went to Cabo with another couple and I actually bought the tickets for all of us and the were all BC and they could not get in lounge and had to be our guest so my wife who is authorized user had to sign 1 of them in but then again you are special I guess. But just could depend on who is at Desk when you enter AC who knows
Last edited by Alltech63; 05/05/2024 01:40 PM.
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Re: Credit Card Insurance Coverage
[Re: Alltech63]
#319107
05/05/2024 04:14 PM
05/05/2024 04:14 PM
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Joined: Apr 2023
Posts: 19
JohnW
Traveler
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Traveler
Joined: Apr 2023
Posts: 19
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Hey Alltech63, SXMScubaman is right about lounge access for AA going to Caribbean. First and business class between the US and Caribbean is considered a qualifying international flight for Admirals Club access (it wouldn't be for flights operated by Alaska Airlines though). All you need to gain entry is your first or biz boarding pass and ID. This is the AA link for Admirals Club access which spells it out: https://www.aa.com/i18n/travel-info/clubs/admirals-club-access.jspMaybe you're thinking of Delta, because they do exclude Caribbean for Delta Sky Club access.
Last edited by JohnW; 05/05/2024 04:14 PM.
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Re: Credit Card Insurance Coverage
[Re: SXMScubaman]
#319108
05/05/2024 04:44 PM
05/05/2024 04:44 PM
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Joined: Jun 2009
Posts: 4,961 Portland, OR
jazzgal
Traveler
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Traveler
Joined: Jun 2009
Posts: 4,961
Portland, OR
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I am not a Member of the Admirals Club but when I fly to PJIA and connect through Dallas, MIA or CLT or any other airport with an Admirals Lounge with my First Class/Business ticket I have always been admitted to the AA Lounge. Same on my return flights. Same for me.
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Re: Credit Card Insurance Coverage
[Re: Alltech63]
#319110
05/05/2024 04:45 PM
05/05/2024 04:45 PM
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Joined: Jun 2009
Posts: 4,961 Portland, OR
jazzgal
Traveler
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Traveler
Joined: Jun 2009
Posts: 4,961
Portland, OR
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Well good for you thanks for sharing learn something new everyday so since you have 1st or business class I suggest you use Flagship instead of Admiral club lounge much nicer. I do find your access to CLT AC suspect as we just went to Cabo with another couple and I actually bought the tickets for all of us and the were all BC and they could not get in lounge and had to be our guest so my wife who is authorized user had to sign 1 of them in but then again you are special I guess. But just could depend on who is at Desk when you enter AC who knows Mexico is not included in the freebie access; just Caribbean.
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