What cards often include
Depending on the card: trip delay reimbursement, trip cancellation and interruption, baggage delay, rental car damage cover and travel accident insurance. The trip usually has to be paid for with that card.
Common gaps
- Little or no emergency medical or evacuation cover.
- Lower limits for cancellation.
- Stricter definitions of covered reasons.
- No pre-existing condition waiver and no CFAR.
How to use both
Use your card's benefits for delays and rental cars, then buy a medical-only or comprehensive plan to fill the gaps. Call your card issuer or read your guide to benefits before you travel.
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General information only, not insurance advice. Coverage varies by plan, state and country. Always read the policy wording before you buy.
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