Making Sure You’re Covered: The Top 10 Questions to Ask About Travel Insurance During the Holidays

On the site de Top Compare, you will be able to find all the advantages linked to credit cards. “For clarity, we indicate each of these coverages in the card details. What we call “travel insurance” therefore corresponds here to emergency medical care and repatriation. A good approach to choosing which card best suits your needs would be the choice of the country or countries of destination. For example, medical care in the USA being what it is, it will be better to favor a card with medical insurance that covers large amounts. A country like Costa Rica, where the roads are not always in good condition, will instead require a card with insurance that covers vehicle repairs and flat tires…”

Another angle that could be interesting is the profile of travelers. “A head of a large family does not necessarily have the same needs as a solo traveler or a young couple. For example, in case of cancellation of an accommodation. Some cards, such as American Express Platinum or Gold, are extremely comprehensive in terms of benefits and travel insurance. But can be relatively expensive and are therefore rather recommended for regular travelers who can amortize their cost.”

Depending on the different traveler profiles, Top Compare gives us its list of the best cards. Of course these are only suggestions. It all depends on everyone’s budget, the frequency of travel, the destination (there may be costs, especially outside the EU), etc.

Very frequent travelers

American Express Platinum ou Gold : a card that is not given away (€780/year for the Platinum), but which offers the highest coverage with an amount of €20,000 in the event of cancellation and up to €500,000 for travel insurance . Baggage (€1,500), vehicle (€75,000), personal assistance (€3 million), fraud during online purchases (€20,000). Discounts, advantages (€300 in a selection of restaurants), access to the airport lounge, miles programme, etc.

Beobank Premium Flying Blue World Mastercard : for €75 per year, coverage remains attractive, both for cancellation (€6,000) and for travel insurance (€250,000). A gift of 3,500 miles is offered on the first purchase as well as one mile for each euro spent. The coverage also covers luggage (€650), vehicle (€1,000)

Families

Brussels Airlines Premium American Express : for a cost of €150 per year, the card offers you cancellation (€5,000), travel (€250,000) and luggage (€750) cover, as well as purchase protection (€2,000). For every euro spent, you receive 1.5 miles.

Carrefour Visa Gold (for their cancellation insurance adapted to families): free the first year, then €39 per year, this card covers you for cancellation (€7,500), travel (€150,000) and for your luggage (€4,375). The card also offers you discounts at Carrefour, up to 10% on your purchases.

Solo traveler or young couple

Keytrade Bank Visa Platinum : free, it offers coverage for cancellation (€5,000), travel (€200,000), personal assistance (€25,000), luggage (€250), and purchases (€5,000) and online purchases (€1,500 ).