Activating Credit Card TI with Reward bookings

[Spizz]

For example as a couple we always churn CC with good TI to cover any trip.
- As we redeem mainly 11 months out this main mean tag teaming several cards to cover the spend so that we have at least one TI activated at any time.
- we normally do not worry about coverage on the T+C of the flight as it is mainly refundable.
- but once significant spend has occurred we spend enough on a CC to activate the TI. For our current trip we are are probably onto our 4th churned cardfrom one of us to ensure coverage for any trip cancellation if it occurred, ,and will activate a 5th to cover the period that we are away.

Just to understand that must mean if you are booking 11 months out you are keeping the same Credit Card that you have met the spend conditions on to activate Travel Insurance for at least 11 months?

Out of curiositry for Frequent Flyer bookings where you can't put the entire price of the airfare on the Credit Card, Westpac with their $500 any travel expenses per person spend for Travel Insurance seems to be the best bet.

Interested in your experiences with TI.

 

[albyd]

It’s becoming more common that using reward points from your CC program triggers the TI cover. I recall it used to be like this with Citi. As long as you’d transferred Citi points towards that redemption, you were covered.

Each program may have its own nuances. Best to read the T&Cs first to make sure.

 

[lovetravellingoz]

Just to understand that must mean if you are booking 11 months out you are keeping the same Credit Card that you have met the spend conditions on to activate Travel Insurance for at least 11 months?

No I tag team. My upcoming 11 week trip will have been tag teamed over about 5 cards (I churn for sign on bonii) so that I was always covered. I will keep the last till after the trip and then cancel it.

Out of curiositry for Frequent Flyer bookings where you can't put the entire price of the airfare on the Credit Card, Westpac with their $500 any travel expenses per person spend for Travel Insurance seems to be the best bet.

Interested in your experiences with TI.

CC are all different in their activation. Many of the better ones it is essentially to have a return flight (can be with FF points which is important to me as I always redeem long hauls) AND some travel related spend BEFORE you leave. The $$ amount varies from $250 - $500. Westpac is one of the more expensive ones, but better than the ones that require all expense, on them.

NOTE: I activate as soon as I have significant spend as TI includes cancellation insurance.