Credit Cards and Travel Insurance

Next time you go on holiday, be sure to pay for your air tickets using your credit card. Why? Because many South African credit cards offer automatic travel insurance when you use them to pay for flights. So, before you purchase any travel tickets, be sure to find out whether your credit card offers free travel insurance.

Travel insurance is vital for any person travelling locally or abroad. It serves to cover you for a range of eventualities that could arise whilst you travel – and which could put a serious dent in your budget.

Read on to learn more about credit card travel insurance, or use the online credit card comparison tools to find the cards that offer free travel insurance.

What does credit card travel insurance cover?
Credit card travel insurance serves to protect you and your loved ones as you travel through South Africa, or to any overseas destination. When you pay for your travel tickets in full using your credit card, you could receive complimentary travel insurance that covers you for a wide range of travel risks.

This means that you’ll be financially compensated for personal accidents and medical expenses whilst travelling.

Certain types of credit card travel insurance also enable you to top up the free insurance, at an affordable rate, so that it extends to the shortening or cancellation of your trip, as well as to baggage delays or loss, travel delays, natural disasters, loss of travel documentation or cash, and hijackings. It may include personal liability cover, and may also offer more robust medical and personal accident cover.

The top-up cover could also extend to persons who are above the qualifying age, or those suffering from an existing medical condition that would exclude them from qualifying for certain benefits under the automatic cover.

Who qualifies for free credit card travel insurance?
Holders of personal credit cards and business credit cards who are under a specific age (usually 75 years), and whose cards offer free travel insurance, qualify for automatic travel insurance. This is provided that they pay for their air tickets in full with their credit cards.

The type of cover you receive, and the amount of cover, will depend upon the type of credit card that you have. Before booking your air tickets, it’s a good idea to chat to your bank about the type of insurance you’ll receive, if applicable. You may find that it covers your travel needs sufficiently – and, if you feel you need more cover, you’ll be able to top it up.

How can I find a credit card that offers automatic travel insurance?
One of the most effective ways to find a credit card offering complimentary travel insurance is by comparing credit cards online. By exploring the features and benefits of each card, you’ll quickly discover whether your card of choice, or the one you have, offers free travel insurance. Alternatively, chat to your bank about travel insurance benefits.

Make use of an online credit card comparison site now to find the cards that offer the features and travel benefits you most want.

About the Author

Plastiq is a credit card comparison website that enables users to find and compare South African credit cards, including Nedbank credit cards, as well as international credit cards, such as American Express credit cards.

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