Travel insurance: Is my Visa or Mastercard card enough?

Are you going on a trip? Are you wondering if the travel insurance of your bank card will be sufficient in case of a petan? Let's do it.

If you pay for your trip with your Visa or Mastercard card, you receive travel insurance. However, according to the chosen card, the guarantees are far from equivalent. Indeed, the so-called "high-end" bank cards offer a much stronger protection. For other cards, additional insurance may be required.

Let’s take a look at how you’ll be insured during your trip abroad. Let’s see if the travel insurance of your bank card is sufficient.

Travel insurance with Visa card

By choosing a Visa card, you will be able to travel by being insured and benefit from assistance. But what will the level of care be?

What insurance with my Visa Premier card?

The Visa Premier offers the first level of care during your stay abroad. The following guarantees are proposed:

• Change, cancellation and interruption of travel;
• Capital death and disability ;
• Warranty snow and mountain ;
• Damage and flight of the rental vehicle;
• Transport and repatriation medical;
• Return of the attendants ;
• Childcare less than 15 years;
• Repatriation of pets ;
• Accompaniment of a loved one in case of hospitalization;
• Accommodation costs of a loved one in case of hospitalization: up to 125€/night for 10 nights;
• Advance and reimbursement medical expenses : up to 150,000€ ;
• Refund of Telephone charges with assistance: up to 100€ by disaster;
• Assistance in case of prosecution : up to 3 € reimbursement of legal fees;
• Civil liability abroad : up to 1 525 000€ by disaster;
• Transport delay and/or delay luggage : up to 400€ ;
• Loss, flight, baggage damage by airlines or SNCF: up to 800€ ;
• Replacement heating ;
• Scraps of objects professional, medicine, glasses, etc.

What insurance with my Visa Platinium card?

With the Platinium card, you travel insurance is strengthened. If you benefit from the same coverage as the Visa Premier card, some compensation ceilings increase:

• Civil liability abroad : up to 2 300 000€ in lieu of €1,525 million;

• Transport delay and/or delay luggage : up to 600€ instead of 400€;

• Loss, flight, damage by airlines or SNCF: up to €1,300 instead of €800 + compensation for theft in a hotel or rental car up to 1 000€.

What insurance with my Visa infinite card?

If you choose the Visa Infinite card, there is the same support. However, the ceilings are even higher than those of the Visa Platinium card:

• Costsaccommodation of a close in case of hospitalization: up to 200€/night for 10 nights instead of 125€;
• Civil liability abroad : up to 4 600 000€ in lieu of €2,300,000;
• Transport delay and/or delay luggage : up to 840€ instead of 600€;
• Loss, flight, baggage damage by airlines or SNCF: up to 1 800€ instead of 1 300€ + compensation for theft in a hotel or rental car up to 1 600€ instead of €1,000.

Travel insurance with the Mastercard card

If you have chosen a Mastercard for your stay as a means of payment, you also receive credit card insurance. The level of protection is indicated in the general terms and conditions of your contract, let's take a look at the costs with the different Mastercards.

What insurance with my classic Mastercard card?

With the Classic Mastercard, you have limited coverage. In travel insurance, you benefit from the following benefits:

• Assistance to administrative procedures with advance funds 1 000€ in case of loss or theft of passport ;
• Death of disability : ceiling 95 000€ ;
• Repatriation : actual costs;
• Support medical expenses abroad : ceiling 11 000€ with one franchise de 75€.

What insurance with my Gold Mastercard card?

With the Gold Mastercard, the guarantees are more important:

• Death of disability : ceiling 310 000€ ;
• Repatriation : actual costs;
• Support medical expenses abroad : ceiling 150,000€ with a franchise 50€ ;
• Assistance to administrative procedures with advance funds 2 000€ in case of loss or theft of passport ;
• Civil liability abroad : ceiling €2,000 ;
• Baggage loss : ceiling 850€ with a franchise 70€ ;
• Compensation delayed baggage : ceiling 450€ for a delay exceeding 4 hours;
• Compensation aircraft delay : ceiling 450€ for a delay exceeding 6 hours;
• Cancellation travel : ceiling 5 000€ with a franchise 20%. Allowance only if travel is cancelled medical or personal reasons.

What insurance with my Mastercard Platinium or Word Elite card?

Mastercard Platinium and Mastercard World Elite bank cards offer the same guarantees as the Gold, but the amount of the ceilings is higher:

• Death of disability : ceiling 620 000€ ;
• Repatriation : actual costs;
• Support medical expenses abroad : ceiling 156 000€ with a franchise 50€ ;
• Assistance to administrative procedures with advance funds €3 000 in case of loss or theft of passport ;
• Civil liability abroad : ceiling €5,000 ;
• Baggage loss : ceiling 1 900€ with a franchise 70€ ;
• Compensation delayed baggage : ceiling 900€ for a delay exceeding 4 hours;
• Compensation aircraft delay : ceiling 900€ for a delay exceeding 6 hours;
• Cancellation travel : ceiling 10 000€ with a franchise 20%. Compensation granted only if the trip is cancelled for medical, personal, administrative reasons or force majeure case.

Does the choice of my bank have an impact on my travel insurance?

Yes and no. Doesn't that help you? Let’s go further in the explanation. The travel insurance included in your contract concerns a specific card. No matter who offers it to you. Whether you are at the Banque Populaire, Credit Mutuel and Fortuneo, a card has its own guarantees.

On the other hand, the choice of the bank will be important since not all offer the same cards. For example, let's take the Mastercard Word Elite card. You can only get it if you are a customer in the following banks:

• Bred Banque Populaire;
• B.P.E;
• Crédit Agricole;
• Fortuneo Bank;
• C.I.C. Group;
• Mutual Credit;
• Swiss Life.

The choice is therefore limited if you specifically want this card. The Visa Infinite card is offered in most banks and will be easier to benefit from its travel insurance offer.

Is travel insurance useful?

Yes, it can even be indispensable in some cases. It will depend on different parameters. Today, a Visa Infinite or Mastercard World Elite card costs more 300€ per month. With regard to the price of travel insurance, if you leave for three months, this can be benefits financially. However, if you only leave a few weeks, your bank card will cost you more if you take it on purpose for the guarantees it offers.

Beyond the price, they are indeed the guarantees insurance and assistance that are important. Cancellation insurance , legal assistance, baggage insurance, repatriation assistance, care in the event of illness, reimbursement of hospital fees, early return, refund ceilings, all must be studied with magnifying glass. Depending on the nature of your trip, its duration and the destinations you plan to explore, the credit card insurance can be sufficient but it won't always be.

In addition, the bank card offers a global offer based on the selected card. Travel insurance will offer you offers tailor-made according to your needs. Romantic stay, adventure holiday, business trip, insurance for young people during school or internship, the guarantee must adapt.

Bank card and world tour insurance

Another important point: the duration of your vacation. Visa Premier, Platinium or Gold cards and Mastercard Gold, Platinium or World Elite cards offer protection only for stays less than 90 days .

If you are planning to make a world tour , there is plenty to bet that you will leave for more than 3 months. If so, you cannot be insured by your bank card. As a result, the travel insurance offered by an insurance company will naturally apply if you want to benefit from full coverage during your trip.

Credit card insurance if I’m offered a trip

The travel insurance of the bank card thus shows another limit: the trip offered. It is not uncommon for a birthday, for example, your loved ones decide to offer you a trip abroad. If this is the subject of a beautiful gift, you will however have to put your hand in the pocket. Why? Simply because there is a basic condition to benefit from the insurance of your Visa or Mastercard card: you must pay with . Did you not book your plane with your credit card? Did you not book your hotel yourself? Bank card insurance simply does not work.

Compare to find the best offer

To the question “Is the travel insurance of the Visa or Mastercard card sufficient?” there is no answer any made. Indeed, it is necessary to make a comparison of the offers to get the best protection and, above all, a coverage that really corresponds to you.

Taking the time to compare is to study in detail the guarantees, and especially the elements that will have an impact on your compensation:

• The compensation ceiling ;
• franchise in euros ;
• The delay in deficiency ;
• duty on days ;
• miles;
• ♪ exclusions.

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Do not forget to check that you sign a bank card with a trip insurance or a separate insurance, if the country you visit is good covered . There are exclusions in this matter. For example, most of the time, you cannot be insured if you travel in a countries of war .

Finally, compare makes it possible to find the best price. Each insurance company is completely free to set its rates. Often, you can imagine that the most expensive travel insurance will be the best. Making a comparison makes it possible to discover that this is not necessarily the case. You must find the best value for money according to your needs, profile and nature of your stay. The best travel insurance is a tailor-made guarantee that respects your budget.

You are now informed about the guarantees offered by the travel insurance of a bank card. You just have to make your choice!