Hi guys,
I'm booking a trip for my partner and family in a few hours on credit card and trying to figure out which one is best to put payment on. The trip is for myself and my family, and my girlfriend. She is a supplementary card member on my Amex Platinum Edge.
All between myself and family, we have a Amex Platinum Edge, ANZ Rewards Black and HSBC Platinum. Im trying to read up on which one is best for travel insurance but i cannot figure out if they 'family', and by that i mean everyone who has a name on a ticket i pay for. Any suggestions?
So much to consider it's hard to say. However, there's a very real chance you can actually hit coverage on multiple insurances.
On a recent trip we actually met the minimum requirements for two insurance policies (two separate cards) as one asked for the outgoing flights to be booked using the card, and the other just asked for certain pre-paid minimum spend.
When we ran into a flight cancellation, one card offered us $275 AUD to book a hotel in the existing city; while the other offered to compensate us for the loss in the destination city. We ended up opting for the $275 AUD in the existing city as our destination hotel was only around $200. Could probably have double-dipped on both policies but we didn't.
Also, in the past when I've put through a purchase insurance claim I believe I was told ANZ FF Black doesn't have an excess for it. Sadly, I bought it on a previous card that did have a A$75 excess.