Quote:
Originally Posted by Draug
Has anyone ever had to use the Health Insurance that VISA provides with their top tier cards? I've always relied on it, and have only added additional coverage if my trip will be longer than the 14 days that VISA says they cover. With stories of $30K for pretty minor things, maybe I'm being too risky relying on just VISA.
I have had to use the Auto rental coverage through the same VISA twice, for $5500 and $2500, and everything went very smooth there.
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The way I understand this there is a significant advantage to using this coverage instead of your own auto policy as if you have an accident it shouldn't appear on your record as it would be handled by the policy that VISA has. Something to consider I guess. As for travel medical for the premium involved you are better to get an all inclusive policy. Many areas people forget to address either through their work policies or private policies in addition to travel medical are trip cancellation, trip interuption, lost baggage insurance, accidental death and dismemberment. Most credit cards offer some coverage but make sure to find out how much, are all family members covered, include trip cancellation and trip interuption or is it just a basic medical coverage with many exclusions, lost baggage etc etc. Usually if you do more than one trip per year a multi-trip all inclusive policy is the best way to go. We have all heard the travel horror strories and many of them could have been covered.