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I have multiple payment cards.

Card A has travel insurance coverage.

Card B does not have such coverage but has the convenience of holding multiple currencies in different accounts and switch to the right one automatically depending on where you pay (Revolut or similar). It has the advantage of minimizing the losses that happen during currency exchange.

In a recent situation, I paid for train tickets using card B. Then, I experienced a disruption during the said travel. Can I claim the incident on the travel insurance of card A?

phoog
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DavGin
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1 Answers1

29

It depends on the terms of the travel insurance that comes with card A. To find out, you can either read the terms or just submit the claim and see whether they pay it.

(In my experience, insurance that comes with a credit card applies only when payment is made with that card. This makes sense, because the point of such benefits is to encourage people to use the card so the card issuer realizes more revenue. My guess is, therefore, that the insurance will not cover your disruption, but to be sure you'll have to read the terms or submit the claim.)

phoog
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