- Joined
- May 25, 2013
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- 1,501
While we talk about separate annual multi-trip TI's here, it'd be interesting to know if any of the commonly available credit cards provide TI policies which would be generally adequate to replace a separate insurance policy?
With a separate policy I mean comprehensive plans from the likes of CoverMore, Southern Cross, Allianz, etc. For me, those plans cost around $500 - $700 a year (excluding high-cost countries like US). In this case, if there was a comparable credit card policy, it'd make sense to seriously consider that if the annual fee is at the same ballpark. This would inevitably rule out the high-cost cards (like some of the high-end Amex's) because one can get a low-cost card + separate annual TI for a lot lower price.
One reason to think of this is that I don't feel the need to duplicate plans and pay multiple times for the same. At the same time, I do want the plan (or collection of plans) to cover the likely high-cost or difficult items, should something adverse happen while wandering around.
ANZ Qantas Black at least used to have a pretty good policy and the card currently goes for $425/year (plus you collect QFF points along the way as a bonus). But how good is the policy these days and would there be other cards worthwhile checking out to replace a separate TI?
With a separate policy I mean comprehensive plans from the likes of CoverMore, Southern Cross, Allianz, etc. For me, those plans cost around $500 - $700 a year (excluding high-cost countries like US). In this case, if there was a comparable credit card policy, it'd make sense to seriously consider that if the annual fee is at the same ballpark. This would inevitably rule out the high-cost cards (like some of the high-end Amex's) because one can get a low-cost card + separate annual TI for a lot lower price.
One reason to think of this is that I don't feel the need to duplicate plans and pay multiple times for the same. At the same time, I do want the plan (or collection of plans) to cover the likely high-cost or difficult items, should something adverse happen while wandering around.
ANZ Qantas Black at least used to have a pretty good policy and the card currently goes for $425/year (plus you collect QFF points along the way as a bonus). But how good is the policy these days and would there be other cards worthwhile checking out to replace a separate TI?