Capital One Travel Insurance

Rich__101

Forgive me if this seems like an odd question but I have no experience of it whatsoever.

In past i've always had to buy extra travel insurance through the post office. However I now have a capital one worldcard mastercard. I have booked a holiday in early February for myself and my girlfriend and want to know how it works.

Do I need to phone them up and inform them or am I just automatically covered now the holiday has been purchased on the card? Has anyone used their capital one travel insurance in past, does it cover everything they wanted and did they have any trouble getting them to pay out on a claim? I have booklet on this that came with the card but reading it just confuses me more and completely fails to answer my questions.

Thanks

lisyloo

You would need to check the wording but I think you are automatically covere if you buy the FULL holiday on the card (not if you just purchase flights or part of it).

I would strongly suggest you compare the summary of cover with a bog standard policy off the net.

I wouldn't be suprised if the free cover with your credit card is somewhat minimal.

Depends on where you are going and what you are carrying.
My cousin back packs with next to nothing whereas some people carry expensive jewelry and dinner suits on cruises.
The important thing is that you make sure the cover is adequate for you.
If you don't know what sort of things that might need covereig then jsut checkout an ordinary polciy on the web, but I'd expect it to cover things like

cancellation - (sickness, death etc)
missed departure/connection (weather, breakdown)
loss of baggage, money credit cards
medical expenses and repatriation
emergency passport
emergency legal advice
delay

neilp

I've just applied for one of these cards. According to the leaflet I read, you are covered if you pay for "travel and/or accomodation" on the card.

One further question: how long does it normally take to get a decision on this card? I applied just under a week ago and have yet to hear.

Rich__101

neilp wrote: »

One further question: how long does it normally take to get a decision on this card? I applied just under a week ago and have yet to hear.

Rather than hear anything I just got the application documents in the post. Took just over a week and a got a £7500 credit limit which is far far more than I need or want. Seemingly no credit crunch for me :rolleyes:

lisyloo

I think everyone is getting the same limit.
I have heard of people with only a few Ks income get this limit but also people with > £70K income, so it seems to be the same for everyone.

missile

My wife got £4K, so no it is not same size fits all