Credit card travel insurance when redeeming an award flight?
Last edited 23/05/2017 - 10:32
I have recently booked tickets with Singapore Airlines using my Krisflyer points balance. The ticket fares were fully paid using Krisflyer miles. The taxes were paid using my AMEX Explorer card. Now I know that Explorer card offers you complimentary travel insurance (with Chubb) when you purchase a return ticket and pay the full amount with your Explorer card.
However, in this situation I have paid the airline fare with Krisflyer miles and only paid the taxes with the AMEX card. In a way, that is still the full amount that I was required to pay. I'm trying to understand if AMEX(Chubb) will cover me for travel insurance. Has anyone been in a similar situation? I wanted to ask the OZB community before I contact AMEX/Chubb.
Here's the blurb about eligibility from AMEX Explorer card's travel insurance terms and conditions document:
- ELIGIBILITY AND ACTIVATION OF INSURANCE BENEFITS
Important: In order to be eligible for the insurance benefits,
You must first activate the cover. See the table below for details:
ACTIVATION OF INSURANCE
ACTIVATION OF TRANSPORT ACCIDENT COVER (SECTION A)
AND TRAVEL INSURANCE COVER (SECTIONS B–G):
Cover is effective when You pay the full fare for a return Trip on the
American Express Explorer™ Credit Card or with American Express
Membership Rewards® points or with Travel Credit.
The Trip must commence and end in Australia. Cover is not
activated until a return ticket has been purchased (i.e. if You only
hold a one-way ticket, You are not covered under these benefits).
Thanks for your input.
I rang AMEX travel insurance and they said the eligibility criteria when using frequent flyer miles is as follows:
- All the frequent flyer miles used to buy the award ticket have to be earned using the same AMEX card and transferred to the airline loyalty program
- The remaining charges (taxes, fees, fuel surcharges, etc) have to fully paid using the same AMEX card
If those two criteria are met, then you're covered. In my case, I'm not as only a part of the Krisflyer miles I used for these award tickets came from AMEX Explorer card.