What Travel Insurance Does and Does Not Cover

What Travel Insurance Does Today we're discussing what travel insurance does and does not cover are you a fan of our videos be sure...

What Travel Insurance Does

Today we're discussing what travel insurance does and does not cover are you a fan of our videos be sure to subscribe to mojo travels and ring the bell to be notified about our latest videos for this list we're taking a closer look at what's typically included and excluded from a travel insurance policy for the record every provider has their own inclusions and exclusions which also includes different levels of coverage available within the same company so none of the following should be considered a guarantee

travelers should always review the specifics of a given policy not covered pre-existing conditions if your

seemingly in perfect health

then you thankfully needn't worry about this exclusion but if like many middle aged or senior travellers you have medical conditions that you managed via regular treatment medication or simply through lifestyle choices you might be at risk you'll still be covered for most medical issues or accidents that could befall you while traveling but if the insurance company can tie it to your pre-existing conditions you're

unfortunately out of luck and depending on where you're traveling and the local cost of health care treatment could cost you a small fortune unfortunately many companies consider pregnancy to be a pre-existing condition

in fact reproductive health in general is often excluded at least in terms of reasons for cancelling venereal disease pregnancy abortion or an HIV diagnosis are all typically not covered the same goes with issues of mental health be it before your departure or during your trip covered injury or illness barring the after mentioned pre-existing conditions your travel insurance should have you covered for any and all typical medical emergencies that could arise and impact your travel this applies both the time period between looking and

departure as well as during the trip itself should you get into an accident or suddenly fall ill you should be eligible for reimbursement of all prepaid expenses the nice thing is the policy doesn't limit such medical emergencies to yourself if a medical emergency should befall a family member spouse traveling companion or business partner and it forces you to stay home as a result most policies will have you covered this equally applies should you have to interrupt your trip and return home early if you're staying with family or friends abroad and they should fall ill or be incapacitated you might also be able to qualify for a refundable cancellation not covered unlawful activities this should really go without saying but don't participate in criminal activity of course regardless of whether or not you've got a trip planned it's a bad idea if you get yourself arrested in the lead-up to your trip and it's stipulated that you can't travel or you have conflicting court dates your policy will not reimburse your travel expenses this equally applies during your trip should you get injured or fall ill while doing something illegal your insurance company can deny your claim not only will your medical expenses be your own but you'll forfeit reimbursement for the losses incurred throughout the remainder of your trip it's worth noting that you needn't commit a major offense for this exclusion to take effect

drunk and disorderly can be enough furthermore injuries incurred while intoxicated are typically excluded from emergency medical coverage covered job loss or work-related cancellations if you lose your job chances are that you've got bigger concerns than missing out on your trip that being said the money that you allocated to travel may suddenly be needed elsewhere in your personal financial planning thankfully almost all insurance providers cover sudden job loss meaning that you should be able to recoup almost all of the expenses you've paid for to date relating to the trip by the same token if things suddenly get crazy busy with work and your boss informs you that you cannot under any circumstances leave on holiday you will again be covered same goes if you're suddenly transferred by your company in a way that interferes with travel on a different but related note should you be a business owner and your property be vandalized or robbed most insurers will recognize this as a justifiable cancellation not covered medical tourism this could seem like a bit of a niche subset of the travel industry but you might be surprised it's estimated that travelers

collectively spend anywhere between 45 to 72 billion dollars annually on medically motivated travel the medical tourism industry as a whole is valued at approximately four hundred and thirty nine billion dollars so yeah it's big money but if you're traveling with the intention of seeking medical treatment abroad conventional travel insurance will not cover you in fact even your personal health insurance is unlikely to help in these situations electing to undergo medical treatment in a foreign country simply brings with a too high of a risk of affecting your travel plans for any insurance company to justify covering all the bookings you may need to change then there are the potential expensive medical emergencies that could stem from the treatment itself covered bankruptcy of travel supplier for all the infrastructure involved travel is a volatile industry and with so many budget airlines and travel related startups operating these days the likelihood of bankruptcy feels higher than ever the sad truth of the matter is if an airline suddenly folds they are of course very unlikely to give you your money back

thankfully in such a case your travel insurance has got your back this applies both before your travel dates under trip cancellation and then trip interruption should the airline collapse during your trip and leave you stranded abroad that being said it's important to make sure that your policy covers not just bankruptcy of suppliers but also financial default which means that the company has stopped operations

regardless of their bankruptcy status not covered anything on the exclusion list

this might sound redundant but it cannot be stressed enough everything we're discussing today inclusions and

exclusions are considered pretty standard for travel insurance companies but before settling on a policy it's absolutely imperative that you carefully read over their specific list of exclusions because theoretically they could put literally anything in there and have a legal leg to stand on so long as you sign on the dotted line items appearing on exclusion lists can range from bad weather to say nuclear

contamination so it's worth reviewing this section of the policy

extreme sports are typically excluded as our flights that you've won in a contest or paid for with points and that's a big one

insurers will often employ catch-all terms that you need to watch out for for example theft coverage might exclude unattended items which could refer to anything you leave in a rental car covered unrest and upheaval this is just about the last thing that you want to have to think about when planning a trip but acts of terrorism are unfortunately a very real concern in the travel industry thankfully should a terrorist attack be carried out in or around one of the destinations you plan to visit during your travels you're typically covered by insurance

terrorism is a complicated subject in many ways and unfortunately this holds true as it applies to travel insurance the attack in question needs to be officially deemed an act of terror by the government insurance companies also establish their own respective windows in which the trip and attack must coincide you might not feel safe visiting a destination for months after an attack but insurers usually limit coverage to 30 days some only offer a 7 day window if a terrorist attack occurred in the destination before you booked this may void coverage for cancellation should another one be carried out not covered epidemics and pandemics this is another tricky one because viral outbreaks of disease can occur so suddenly and the measures surrounding them are so subjective when one does occur it can be very hard to make an insurance claim if you want to cancel for fear of contracting the disease via visiting an affected area most insurers won't reimburse you deeming this to be your personal choice rather than an actual impediment and this is a double-edged sword because those who planned a trip after an epidemic first broke out might find themselves being denied emergency medical coverage because the epidemic is deemed to have been a known event at the time of booking same goes with

cancellation after the fact some insurers are more accommodating than others in times of a national or global health crisis but across the board the likelihood of coverage is low covered natural disasters while your travel insurance provider might leave you high and dry in the event of an epidemic they tend to be quite helpful when a natural disaster

strikes earthquakes fires floods volcanic eruptions hurricanes tsunamis you're pretty much covered across the board

the only real caveat is that the natural disaster needs to be devastating enough to pose a serious risk to personal safety damaged property and cause utilities and transportations to be affected in short it needs to be bad enough to ruin your trip if a natural disaster destroys your home or appends your local life this is typically also considered grounds for cancelling that being said it's worth noting that you're not usually covered for cancellation until the event has happened a hurricane forecast likely won't get you reimbursed until it has actually hit

What is Travel Insurance?

You've planned and saved for your vacation but sometimes things don't go according to plan a medical emergency away from home can turn your dream vacation into a financial and emotional nightmare but you can plan for the unexpected with comprehensive travel insurance travel insurance is designed to cover you from losses arising from sudden and unforeseeable circumstances while traveling such as the need for medical treatment in another province or a foreign country including the cost of hospital stays doctors fees lab tests and ambulance services it will also provide you with support when it comes to dealing with unfamiliar medical terminology and doctors who may speak a language you don't understand plus it can cover the cost of necessary emergency air transportation to either return you home for treatment in Canada or if required to receive medical treatment at the nearest appropriate medical facility you may have travel insurance coverage for your workplace benefits plan but be sure to check what is and isn't covered you may want to top-up your group coverage with additional travel insurance as most route plans don't offer such non-medical coverage as trip cancellation trip interruption and protection for lost baggage and personal effects

comprehensive travel insurance can cover you for a single trip or for an extended stay to protect you and your vacation investment it can also cover visitors to Canada or individuals and families waiting to be eligible for provincial health insurance travel insurance provides you with the coverage you need so you can relax and enjoy a worry-free vacation find more tips and tools at Sun Life dot CA life's brighter under the Sun

you

Travel Insurance Explained 2020

learning about travel insurance will not a fun topic but super important which is why in today's video I'll be giving you an overview of what travel insurance is and what it isn't as well as the four main types so you know what to look for and can make an informed decision while getting a policy for your next trip [Music]

travel insurance is emergency care for when things go unexpectedly wrong when you are traveling outside of your home country it is designed to be there for accidents both health and not health related and unexpected events that you honestly thought would never happen to you you can be the most careful person in the world and something unexpected can still happen travel insurance is not a substitute for your health insurance back home and it's often not going to cover you for any pre-existing

conditions or any routine checkups so if you need to get a physical or you need to just go to the dentist to check if you have any cavities you will not be covered by your travel insurance it's meant for emergencies the unexpected things in Thailand earlier this year a friend of mine was scratched by a stray cat and ended up getting three rounds of rabies shots

there were stray dogs and cats all over Thailand and yes it was highly unlikely that this particular cat had rabies but the risk is not worth it once you start showing any signs of rabies even just a mild headache as a symptom the disease has most likely progressed to a point where it's fatal so it's definitely not worth the risk of not getting the rabies shots in Thailand they weren't that expensive he was reimbursed for them but it wasn't that big of a deal if this has happened in the US it could have been tens of thousand dollars for that hospital stay and the exact same shots usually how it works if something I expect that happens like you break your leg or your baggage is lost you pay for what you need to pay upfront

out-of-pocket and then you contact your insurance and they'll reimburse you for eligible expenses later on by contact your insurance I mean

submit a claim he usually submit a claim on the insurance providers website you'll likely be asked to describe in detail what happened and then what all of you expenses more you'll also probably need to support these expenses with receipts so keep absolutely everything and often also a report from the authority involved so if you were in a bus accident you would need a report from the bus company or if you at the hospital you would need a report from the doctor we'll also need to provide them with your bank details and this is Jed so if you are approved which hopefully you are they'll be able to reimburse you those costs the process can be lengthy and involve a lot of information from you and from other people you'll also need to submit a new claim for each individual event in each type of expense once you've submitted your claim and all of the documents you'll receive notice of if your claim was approved or declined if it's approved it could take weeks or even months to actually get the money reimbursed back into your bank account and how much money you're getting reimbursed is going to depend on the policy that you choose if you are declined don't take it as a final answer they'll usually give you a reason why and it may just be because you didn't provide enough documentation so if you can go out get that documentation or find some way to make their reason invalid and resubmit the claim you may be approved later on so never take a decline as a final answer some insurance companies will actually pay the hospital directly so this way you're not having to pay out of pocket and be reimbursed they're paying upfront what you'll need to look for in your policy is something called the direct pay clause and this will tell you how they will go about paying for your expenses there are a few universal rules when it comes to travel insurance and every company and every policy is going to be a little bit different they also use all of these fancy words in your policy and I swear they try

to confuse you by neglecting to use simple human terms

for example premium why don't you just say what the insurance is going to cost you or deductible which is the amount that you'll have to pay up front before they start covering your insurance so for example if your deductible for a medical expense it's two hundred and fifty dollars you will be required to pay for any of your medical expenses up to two hundred and fifty dollars and then they'll start paying after that so if you go to the hospital and it costs you five hundred dollars two hundred and fifty of that is what you'll need to pay before they start covering any of the insurance not only is every policy a little bit different depending on the company that you go with but it's also different depending on who you are and where you are traveling we could get the same policy with the same company and end up paying different amounts and have different coverage based on our age a country of residence and where we are traveling to there's a lot of other factors too a lot of factors read that policy now that you know travel

insurance is meant to cover you for emergency health and non health related expenses on your trip let's break it down into the four main types of travel insurance that you'll probably come across while looking for a policy the main types of travel insurance that you'll come across include emergency medical emergency evacuation trip interruption and trip cancellation and then loss of baggage or gear you can buy policies that cover all of these areas which are typically called comprehensive plans and are going to cost a lot more or you can also get policies that are going to cover just specifics based on what you need you might think these different categories sounds

self-explanatory I personally did I figured gear coverage okay so they'll insure my stuff but what does that really mean it wasn't until I started traveling and really thinking wait a second so gear coverage if I go swimming with my iPhone in my pocket and I destroy it does that mean they'll pay me back for it

will they pay for the whole thing can I tell them it was an iPhone X when really it was my iPhone 6 with a cracked screen what if I'm planning a trip with my boyfriend's and then we're fighting does that count as trip cancellation I can get reimbursed and not take the trip when you start looking in the details and actually apply to the trip that you're going on you'll realize these different areas are not self-explanatory so what I'll be doing next is breaking down the four different categories so I hope you'll join me back here for that one next week in the meantime definitely check out one of these videos over here as they'll also help you prepare for your trip have a good one happy travels and I can't wait to see you back here 

Do You Really Need Travel Insurance?

today's episode we're gonna be covering how to choose the right travel insurance for you in this video we're gonna be covering probably the most important aspect about

traveling itself and that is travel insurance people spend an exorbitant amount of money on hotels flights on even luggage and they never think once to get travel insurance and to be honest that was us he travelled for a few months without travel insurance until he met a friend named Matt and he was like I love you guys but you're idiots Thank You Matt we now have traffic I'm sure hits but as full time travelers over the last two years we've

encountered everything from natural disasters canceled flights we've encountered dengue fever and even stolen equipment as a matter of fact when people choose to go on a chaser

adventure tour we require that they have travel insurance and the reason being is because mishaps happen you can be hiking a waterfall and break a leg you can be climbing a mountain and break an arm it really doesn't matter if things like this happen and you don't want to be in a foreign country and go broke simply because you don't have the insurance to cover the accident that's occurred so in this video we're gonna be covering the top three travel insurances that are out there on the market today and first on the list we have safety wing which is a travel medical insurance that was designed for digital nomads and

long-term travelers so to get into some of the reasons why safety wing is great for digital nomads along term travelers is the value that it provides it cost about 37 US dollars per month or a dollar 30 to a day depending on how you want to look at it they offer a great amount of flexibility there is no required end date and you can start whenever you want and that includes when you're traveling which is really big for a lot of insurances be nice part about having no specific end date is because a you can cancel the policy whenever you want and for us who are digital nomads we really don't know when we're going to be covered by traditional insurance back home and having that kind of flexibility is amazing because tomorrow I could be in Tulum Mexico or tomorrow I could be back home with my family it really just depends along with a long-term coverage they can also cover short term trips the only requirement they have for short term trips is that it be a minimum of five days but let's be real if you're planning a vacation and going wherever you're going and spending the money to get there and stay there you're most likely gonna be staying longer than five days so that really shouldn't be too big of a factor safety wing is a wide contributor company that it's policies are actually ministered by Tokyo marine which means it will always have money to pay out your claim and to cover whatever is needed to be covered and that's honestly important when looking at travel insurances it's also available in a hundred and eighty different countries for purchase and can actually provide coverage for those of fourteen days of age up to 69 years of age now hopefully if you're fourteen days old you're not looking for coverage but as a parent that's important safety wing covers one child per parent up to two children per family and from the ages of fourteen days to ten years old that coverage is at no additional cost which is really important if you're one of those digital Nomad parents out there so keep that in mind so before we get into the coverage of not only safety wing but the other insurance companies that we're gonna be discussing I want to put out a

disclaimer for you before making any purchasing decisions make sure that you read the actual medical coverage from top to bottom I am giving a very general overview of what's provided medical insurance is very detailed and as a previous practice administrator of a couple of emergency rooms back in my hometown it is very important to know exactly what your policy provides so if you have any questions about the policies that you're looking into contact the company or contact a medical insurance professional so that way you're able to get clarification on anything that you may need clarification on with that said let's go ahead and get into some of the covers that safety wing does provide safety wing provides 30 days every three months of coverage in your home country if your home country is the u.s. they do only provide 15 days but that is really nice because as digital nomads when we do the short trips to go back home and

it family it really gives us a great peace of mind to know that we have coverage because we do forego

traditional medical insurance when we go back home we don't have medical

insurance back in the United States so it's nice knowing that we get coverage some things that I will say the safety wing provides that other travel

insurances just simply do not is they provide things like outpatient physical therapy they provide emergency dental and emergency eye care things like that so this really is the closest to traditional medical insurance that we've honestly come across safety wing does provide an overall maximum limit of 250,000 US dollars per certificate period that also comes with a 250 u.s.

dollar deductible they also offer up to two days two hundred US dollars of travel trip delay if things do go wrong like we mentioned before it's always great to have that kind of coverage some things that I do want to make a note of that safety wing does not provide they do not provide coverage for risky adventurous activities they do not provide coverage for cancer treatments or pre-existing medical conditions so when making your decision those are items that you do need to factor in but safe doing seems to be a great travel medical insurance for those who are looking to travel long term or those who are looking to live as digital nomads abroad the next company that we're gonna discuss is Allianz worldwide travel insurance

now Allianz worldwide is great for those who are either doing short term trips or long term trips a very large distinction I want to make between Allianz worldwide and safety wing is that safe doing is a travel medical insurance

Allianz worldwide is a travel emergency insurance which there is a very large difference and again I recommend you read those medical coverages from top to bottom like safety wing Allianz

worldwide is flexible however the flexibility is a little different you can get the insurance while traveling but it does have a specific start and end date something else that goes along with this specific start and end date is the type of coverage that you get they are very very reasonably priced you can find packages covering you up to a year for two hundred US dollars or for five hundred US dollars based on the coverage that you want like safety wing

they provide 24/7 hotline help so if there's any issue that you have around the clock you can call the company and they will be there to assist you this is very important when traveling because something that we don't think of back home is when you're in different countries you're in different time zones and a lot of insurances do only have call assistance or online assistance during traditional business hours and that makes a big difference when you're day in Asia is night time in the United States so keep that in mind when you guys are looking at the different insurances but thankfully all the insurances we cover today do offer that 24/7 assistance something I will say that was a big draw for us with the Allianz worldwide is that they offer an application this application allows you access to the coverage that you're entitled to it allows you to make claims within the app itself and it provides emergency contacts so emergency medical context and embassy contacts which is huge because you never want to be in a situation where you need emergency medical care or you need to contact your embassy for whatever reason and not have that information available the app automatically updates depending on your location and we have loved that about this insurance we've actually been using this insurance for the last two years of full time travel let's knock on wood we haven't needed it so far but the coverage that they do offer is they offer emergency medical care up to 50,000 US dollars they offer medical coverage up to 50,000 us along with trip interruption up to three thousand US dollars they also cover baggage loss / damages up to two thousand US dollars which is nice when you're checking in luggage for us as full-time carry-on travelers it hasn't played into it but it's nice having that peace of mind if we ever need to check a bag it's always gonna be there to be honest this insurance was upgraded to their highest plan when we were in Thailand and we fell off a motorbike and it was like boom reality you are not invincible so keep that in mind

at first we cheap and down on the plan but per my recommendation always go for the most coverage you can get with an insurance come

anyways this is great for those who are on a small budget looking for emergency protection wherever you may go in this big beautiful world last on the list we have world nomads this is an amazing travel insurance for those who are looking to do some really crazy and adventurous stuff to start their extremely reliable

well no mess has probably been around the longest in the travel insurance industry and they've proven themselves with their longevity they're a very reliable company and not once has any of us encountered individual who has had to make claim with world nomads and ever experience any type of issue along with this they have the best coverage for adventure travelers if you're looking to go hike Mount Fuji or if you're looking to go to a dangerous waterfall hike all things that we have done they cover you when we have done those activities we've done that at our own risk that peace of mind is almost irreplaceable something that's really nice about world nomads is they offer tons of different insurance packages at different price ranges for those looking to fit something within their budget they offer emergency medical coverage up to a hundred thousand US dollars they offer things like trip interruption coverage up to twenty five hundred US dollars and they offer lost baggage or damaged baggage claims up to one thousand US dollars just like the other two insurance companies that we talked about they do offer 24/7 emergency assistance again which is very important when traveling abroad however with world nomads I will say that there are two drawbacks with this coverage a they only offer coverage up to three months when we were looking at this for not only the video but for ourselves as well being long-term travelers and digital nomads we couldn't actually get a plan with them and B they are the most expensive insurance company that we've come across but they do offer quite a bit more protection in certain circumstances again with any insurance company I recommend that you sit down and you read their medical coverage from top to bottom and if you have any questions consult a medical insurance professional at all times and there you have it

Credit Card Travel Insurance, How to Claim

they awarded me eight hundred and seventy two dollars ninety three four you know those expenses hey credit Warriors credit ripple here and today we are going to be talking about claiming on credit card travel insurances now many credit cards come with some form of travel insurance whether that's travel accident insurance or trip delay insurance whatever the card we're going to be looking at today is the chase Inc preferred and there are two insurances that you could claim on for travel related delays and

interruptions I'm gonna read those out for you they are trip cancellation interruption insurance and also trip delay reimbursement so first of all let me tell you the story of what happened to me on my recent trip I was in France for a ski trip it was awesome

if you're interested you can check out our ski channel Generations snow I'll put the link on the end of this video and in the description but anyway yeah we were coming back from this trip so we had a flight booked from France to the UK and then myself and my business partner and a contractor of ours and then I also had my daughter on the trip we all had flights the next day out of London back to New York okay now our plane from France to the UK originally you know first it was delayed and then it actually well

me and my daughter had gone on the plane and we flew all the way to London alright and the plane aborted the landing it was super windy it was actually really scary probably the scariest plane I've been on a lot of people threw up you know not close too close to me but a lot of people in the other rows threw up because it was so bumpy and stuff and the plane aborted the landing and flew all the way back to the south of France to an airport about you know 20 miles from where we started so it was crazy now my two business partners at this point they didn't even get on the plane they decided to rent a car and then get the train from Paris to London so they actually made it quite a wise decision I didn't do that

unfortunately so what I did when my plane landed back in in Lyon this south of France

I got a TGV high-speed train took me two hours to get to Paris and then in Paris you know I couldn't get tickets for the train from Paris to London so we just stayed in a hotel for a night and we booked actually new one-way tickets on a cheap low-cost airline from Paris to New York okay it was

teller okay in the end but obviously we were down I think you know about

probably $1,500 in total at the end of it so we you know when we got back to the US we were looking for ways to recoup below that cost so the first thing I looked at was trip delay

reimbursement now everything was booked on the chasing preferred so I could use that I'm just gonna read you out what trip delay reimbursement covers if your common carrier travel is delayed more than 12 hours or requires an overnight stay you and your family are covered for unreimbursed expenses such as meals and lodging up to $500 per ticket and you know what are those expenses reasonable additional expenses incurred for meals lodging toiletries medication and other personal use items due to the cupboard delay so it's up to $500 per person so obviously that doesn't mean you can go and stay at the ritz-carlton or

something and have that reimbursed no but if your plane is delayed 12 hours you're gonna be covered you know for certain things of course your carrier may cover certain things as well often they will put you up in a hotel but we actually couldn't go and take that option because we were rushing to make transfers in London so there was no way we could you know we had to make other plans all right so anyway that's what happened who is covered by this and this is quite interesting so the card hold is covered obviously the card holders spouse or domestic partner dependent children under age 22 and persons employed by the company for which the chase business credit card account is issued now it's kind of interesting that family members and children are covered all right because you know this is a business card so in theory you don't want to mix business and personal expenses other things on this card if you use it for personal stuff it kind of invalidates certain things but in this case your family are covered and I guess that means you know that's because they know that a lot of small businesses kind of mix vacation and business trip to cut down on costs that kind of thing you know you take a business trip and you extend it a few days and take your family along as well I don't know maybe it's because of that and then also employees of the business now my

business partner was on the trip he's an owner of the business and originally they were like no he's not covered but then I said well actually you know he has a salary too right we are an escort when you're an escort you have to pay yourself a salary so even though he's an owner he gets a w-2 salary so after they heard that they were like oh yeah okay he is covered alright and then the third you know the third adult on the trip was a contractor of ours in theory he shouldn't be covered I told them this I told him he's a 1099 contractor but actually in the end they covered some of his expenses which was I don't know that's just a mistake on their part or whether they were just like oh let him have it whatever I don't know but you know I don't know how I'm not gonna dispute it and be like hey no he's not you know whatever there's probably not even a mechanism suppose you can do that but anyway now let's move on so I made my claim online it's pretty easy you just click on this website on the left here and you can go into their you know their system and you can choose which insurance you want to claim on and you go ahead and claim now you do have to provide certain documents to prove it all and I'm going to tell you now the documents I provided so I provided an email from the airline explaining a longer than 12 hour delay this could be you know a letter or an email whatever kind of communication they gave you the original ticket the hotel booking the rental car booking the train booking and then also I had to provide credit card statements for all of the bookings we made so that they could get the accurate conversion from foreign currencies into US dollars and so in the end they covered me for the hotel I booked in Paris the rental car and two Eurostar train tickets from London to Paris they awarded me eight hundred and seventy two dollars ninety three four

you know those expenses but what they didn't cover were the flights that me and my daughter booked from Paris to London because they said this is trip delay insurance it doesn't cover new bookings it covers your expenses while you're delayed or because of a delay but not new flight bookings alright so that's a little bit of a shame and then I started looking at ways how can I get reimburse for this is there anything else and that's when my attention was drawn to trip cancellation and

interruption insurance so I'm just gonna read you out the description if your trip is canceled or cut short by

sickness severe weather and other covered situations you can be reimbursed up to five thousand dollars per person and ten thousand dollars per trip for prepaid non-refundable travel expenses including passenger fares tours and hotels so this one looks a lot more promising up to five thousand dollars per person so this is a bit higher I did call up chase and I asked them hey you know could this insurance reimburse my flight that I had to book because I miss my connection and what they said to me was no it will not reimburse the extra flight you booked but what it will reimburse is the cost of the flight that you missed all right now obviously the flight I missed was part of a roundtrip ticket so they said that they will work out you know they will ask the airline or you will have to ask the airline Ashley to provide a statement of what that segment cost all right so they can you know have the accurate fair that they're gonna reimburse there are you know other terms and conditions like the overall trip can't be longer than 60 days otherwise that's not covered you need to claim within 20 days although I'm slightly out of that period but there is sort of a clause saying or within reasonable time so hopefully and it should be okay obviously because I was claiming on the other one first so I can use that as an excuse while I'm cleaning slightly late so you know hopefully they don't decide just to be like you know and you know you know not honor it but you should be able to so basically yeah the guy said if all of the conditions are met they will cover you for connections that you have missed you for choosing mastercard visa

discover that's the number one to qualify for lower interest yeah you're right you're on my I'm just recording a show so and you called me while I was recording so you know say hi to the audience hey hi hey it's the credit card what is this card services right yeah yeah well congratulations is the first time I've had you guys on the show but you know I'm recording now so I have to hang up but you know thanks for thanks for calling and you know you're famous now alright say bye to the audience bye have a nice day anyway guys super an and I can't believe you went along with that but I hope that's been a little bit of a help for you no card claims with the travel insurances on credit cards this time we were looking at the chase Inc preferred it is a very good card for small businesses I will put the link below county has an eighty thousand point welcome bonus which is awesome it's worth

thousand around $1,000 or so in travel through the portal of a sea if you transfer to Airlines even more so if you want to learn more about that card and you know obviously it has the two insurances we mentioned in this video so if you want to learn more about it do click the link below in the description to find out more it is of course an affiliate link it helps out our show so if you want to see the advertiser disclosure that's right at the bottom of the description section as well thanks so much for watching guys also I just have one favor to ask if you like this video please give it a like our views have dropped a little bit we've been doing some things like posting articles and I think it's had a little bit of an effect with the YouTube algorithm and we've been pretty low on views recently so I would really appreciate if people can give a like to this video it really does help boost it a little bit