Credit Card Insurance Guide
Types of Coverage:
- Travel insurance
- Purchase protection
- Extended warranty
- Price protection
- Rental car coverage
Travel Insurance Coverage
Medical Coverage
- Emergency medical expenses
- Hospital costs
- Medical evacuation
- 24/7 assistance
Trip Protection
- Trip cancellation
- Travel delays
- Lost baggage
- Flight accidents
Purchase Protection
Coverage Details
- Duration: 90-120 days from purchase
- Coverage Amount: Up to $10,000 per claim
- Covered Events:
- Theft
- Damage
- Loss
- Fire damage
Extended Warranty
Coverage Period
Extends manufacturer's warranty by up to 12 months.
Eligible Items
- Electronics
- Appliances
- Personal items
- Home goods
Activation Requirements
Important Conditions
- Travel Insurance
- Pay full travel costs with card
- Meet minimum spend requirements
- Pre-trip notification
- Purchase Protection
- Full payment with card
- Keep original receipts
- Register valuable items
Making a Claim
Required Documentation
- Original receipts
- Police reports (if applicable)
- Damage photos
- Claim forms
- Medical reports
Claim Process
- Contact insurer immediately
- Gather documentation
- Submit claim form
- Provide additional info if requested
- Await claim assessment
Coverage Exclusions
Common Exclusions
- Pre-existing conditions
- High-risk activities
- Certain countries/regions
- Luxury items
- Normal wear and tear
- Cash and securities
Insurance by Card Type
| Card Level | Travel Insurance | Purchase Protection | Extended Warranty |
|---|---|---|---|
| Standard | Limited | Basic | No |
| Gold | Comprehensive | Enhanced | Yes |
| Platinum | Premium | Premium | Extended |
Common Questions
Do I need to register purchases?
Most cards don't require registration, but keeping receipts is essential for claims.
How long do I have to make a claim?
Typically within 30 days of the incident, but check your specific policy terms.
Is my family covered by travel insurance?
Many cards cover immediate family members, but conditions apply. Verify coverage details.