The other day, he wrote, "Difference between automatic and supplementary overseas travel insurance included with credit cardsWe have explained "The following is a brief overview of the travel insurance policy that comes with your credit card. In case you missed it, the travel insurance included with credit cards does not include "Two types of coverage: automatic and usage-based.You said that there was a "one" and that the applicable patterns and conditions that can actually be used as insurance vary depending on the situation.
For more information, please click on the link above to read the article. Today, we would like to introduce the coverage of overseas travel insurance that comes with credit cards.
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I'm not sure if I can just use the insurance that comes with my credit card when traveling abroad.
Bottom line.Preferred CoverageThe answer depends greatly on the question, "To what extent do you want to be compensated? In simple terms, "To what extent do you want compensation?" to be clear.
So coverage is important!
There are certain rules that draw the line between being compensated and not being compensated.
Below is a brief explanation of the coverage.
How much coverage do you want?
When we talk about coverage, it's important to say, "What kind of compensation you expectFor example, if you are traveling alone, you may only need coverage for one person. For example, if you are traveling alone, you may only need coverage for one person, but if you are traveling with your family and have underage children, you may want coverage for the entire family.
The travel insurance that comes with your credit card is basically "Only the cardholder is eligible for coverage.The cardholder's family member is not required to pay the fee. To put it plainly, even if you are a family member of the cardholder, you can't just say, "Only the credit card holder is eligible for coverage.It means "the
Who are you traveling abroad with? That means it's important to
If you're thinking of covering everyone on a family trip, a "family card" or "family rider" might be useful.
Of course, coverage varies depending on the credit card you own, so if you want to know what you are covered for, you need to check carefully.
Compensation for family members traveling abroad together
If you are traveling abroad with your family and wish to have "coverage for the entire family," you may be able to use a "family card" or "family rider" provided by your credit card company.
Is there such a convenient service?
Of course! Some cards have it and some don't.
Below is a summary of the differences between a family card and a family rider.
Difference between a "family card" and a "family clause
Simply put, a family card is a "family credit card. The maximum number of cards that can be issued depends on the credit card company.
If a "family card" is issued, family members can receive the same coverage as the cardholder. However, the family card can only be created if the cardholder is at least 18 years old.
On the other hand, the Family Card is applicable even if the cardholder is of an age where a family card cannot be issued. This service is also applicable to relatives living together with the cardholder (or unmarried children living separately), so it can be said to be a substitute service for those who cannot be issued a family card.
Very happy with the service.
The "coverage" varies slightly from credit card company to credit card company, so it may be a good idea to check first to see how you yourself fall under the coverage category.
Below is a brief description of each coverage.
If you have a family card
If your credit card has a family card that includes insurance, you will be covered in either of the following cases, so we will summarize the general cases below.
▼ If the cardholder pays the overseas travel expenses for the family member
⇒ Family member is eligible
▼ If a family member pays for his/her own overseas travel
⇒ Family member is eligible
▼ When a family member pays the cardholder's overseas travel expenses
⇒ Cardholder is eligible (family member is not eligible)
▼ When a family member pays another family member's overseas travel expenses
⇒ Another family member is eligible (family member is not eligible)
There are several other possible patterns, so it is best to check if you are concerned.
Family cards are so convenient... ♪
It's the perfect service if you want to include your family in the coverage!
Strictly speaking, the terms and conditions of each credit card company vary, so please use this as a reference only.
If the card has a family rider coverage
If a credit card comes with a "family rider" coverage, it can cover a wide range of ages. As mentioned earlier, a family card cannot be issued unless the cardholder is 18 years of age or older, but there are basically no age restrictions for the "Family Card" feature.
Simply put, this service is provided for those who cannot issue a family card.
In other words, the family rider covers the "The system is designed to provide coverage only if the trip and transportation expenses are paid for, which is a condition for insurance coverage.So I'll put it a little differently."Children, etc. who have not paid for the tripis not covered by the family rider because it does not meet the insurance coverage requirements, and therefore, coverage is not available.
I see. So coverage is still important in that sense.
You could start by figuring out how many people are going to be on the trip.
In the rare case of a card with a credit cardholder's name on the credit card, the payment must be made by the credit cardholder, and detailed terms and conditions vary slightly from one credit card company to another.
summary
Today, we have explained whether or not travel insurance can be covered only by the insurance included with a credit card. The answer to this question depends on the extent of coverage you want to include, so it is important to first identify the scope of coverage you are looking for.
We also have overseas travel insurance for you and your spouse/relatives, so please feel free to contact us if you are considering it.
We can flexibly adjust the duration of insurance coverage from short to long term. If you have any questions or concerns, please contact us through " Contact Us ".
