Premier and Gold contracts from Visa and Mastercard offer all sorts of additional protections that can save your vacation in the event of a summer problem.
Since this Friday, the school holidays have started, officially launching the summer vacation season. And to make the most of it whatever the program, you might as well leave with a free spirit and (re)assured. To guarantee your purchases can you rely on your bank card? Whether golden or colored, Visa or Mastercard, the CB also covers certain insurance and assistance sectors. Do you know the level of protection provided by your bank card? Coverage is minimal in basic plans but Premier and Gold contracts from Visa and Mastercard offer all kinds of additional protections.
Visa Premier
The Visa Premier, bills an average of 129.49 euros per year (up by more than 3 euros over one year) in French banks despite major disparities, insures not only the holder (the one whose name is written on the card) but also spouse and children under 25. All this, more than 100 kilometers from your home in France and abroad if your trip has been paid for… by bank card. Beware, especially in summer, of the temptation to pay for reservations with holiday vouchers if you wish to be covered by your bank card.
For example, if you are forced for personal or professional reasons (and which come under Visa’s general conditions) to cancel, interrupt or modify your trip, you can benefit from compensation of up to up to 5000euros per year. Do you want more? In the event of an accident with the rental car on the bends of the Corsica coast, your repair costs are covered without excess.
Another scenario: the conveyor belt at the airport pours out its flood of suitcases but not yours. With her purple ribbon and her wolf head, she is impossible to miss! No worries, if your flight was booked with a Visa Premier (or an Ultim card from Boursorama) you will receive an amount of 400 euros to meet your needs the most urgent and not spoil the start of your vacation. This bank card also offers civil liability insurance abroad: it can cover damage you cause to a third party up to 1,525,000 euros.
The Visa Premier card also covers any medical costs – also covered by your home insurance and its travel guarantee, possible repatriation from abroad or legal assistance, even if the stay was paid for with a different bank card. The health issue, beyond the Covid, should not be neglected because some countries like the United States charge very high prices.
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Gold Mastercard
he Gold Mastercard bank card can save your holidays! It is billed on average at 127.32 euros per year for the immediate debit version, and 128.78 euros for the deferred debit version. Unlike Visa, from the Mastercard Standard version you benefit from a certain level of coverage, in particular in the event of an accident in transport if the trip was paid for using the bank card in question. But the Gold version gives access to insurance against delays, against loss of luggage, up to 850 euros depending on the composition. of the family or in the event of damage with a rental vehicle.
Assistance services (medical repatriation, hospitalization and legal assistance abroad, etc.) are also offered.
Finally, the very high-end Visa Infinite and Mastercard World Elite versions, around around 300 euros per year, offer an even wider range of protection. For example? Lost baggage cover goes up to 1500 euros with these cards, i.e. triple.
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Should I take out additional travel insurance?
When paying for your turnkey trip, your flight or your train, we offer optional insurance. These affinity insurances cost around 5% of the amount to be paid, but their detailed conditions need to be read. With these products, the level of restrictions is often high, warns CLCV lawyer Olivier Gayraud. These are unusual insurance products with unclear explanatory leaflets. The low price and window dressing do the rest.
But according to The Parisian which quotes Allianz, the insurers have agreed to some adjustments for this summer: if general restrictions will not be covered, additional costs related to quarantine or a positive PCR test may be covered by certain contracts.
The price of the contract depends on the destination, the duration of your trip and the age. According to Tourdumondiste.com, prices fluctuate between 36 and 70 euros per month for a 27-year-old traveler, excluding the United States and Canada, with insurers such as Ava, Allianz or AssurTravel.
2023-07-08 08:10:07
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