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Rookie Sunday: I FINALLY did something I should have done YEARS ago. A wise travel move!

René by René
July 8, 2018
in Cruises
29

Advertiser Disclosure: Eye of the Flyer, a division of Chatterbox Entertainment, Inc., is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact how and where card products appear on the site. This site does not include all card companies or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of the links on this page are affiliate or referral links. We may receive a commission or referral bonus for purchases or successful applications made during shopping sessions or signups initiated from clicking those links.

RenesPoints Rookie

Welcome to a regular feature on the Renés Points blog. This blog series covers in a “rookie” way either a Delta or travel related theme and attempts to break down to a basic level each topic. You can read up on all the previous posts HERE. Now on to this featured topic.

a plane on the runway

Almost 7 years ago at the Chicago Seminars I talked to a long time NWA/ Delta flyer from Minnesota who was, at the time, one of the main Delta speakers at the event. He was brilliant in the way he used SkyMiles to the absolute maximum value and I learned so much from him. But this post is not about history or the once amazing value of SkyMiles but about something else he said.

We were talking about travel cards and points and specifically Delta Amex cards that offer no travel insurance at all. Back then I would simply purchase all my Delta tickets with my Delta Reserve card (ridiculous today – I know) as it was a way to help me reach my yearly spend goals for bonus MQMs etc. Earning 2x SkyMiles, back then, had real value and I gave up any travel protection for the points. Even today many make the same choice with say their non-Delta Amex Platinum cards. I asked him what he did and he said he did not care that whatever card offered or did not offer protection.

Wait – really? Why? Then he then said something that has stuck in the back of my mind for years and every time I fly or buy a ticket and more. He said:

“I have a yearly travel policy that covers me for my travels.”

Like most of us I have seen Delta, and others, bug me to buy insurance for a single trip at the final payment step. Same thing goes for cruises etc. But one that covers you for the year? Yep!Invalid request error occurred.

Allianz’s “ALL TRIPS PREMIER” is for me the perfect fit and my family since it covers both of us when we travel for the cost of one high-end travel card annual fee. Beyond just travel delays that I get from cards like my Chase Sapphire Reserve® card this plan gets us:

  • Trip Cancellation $2,000 / year
  • Trip Interruption $2,000 / year
  • Emergency Medical/Dental Coverage $50,000 /year
  • Emergency Medical Transportation $500,000 /year
  • Baggage Loss/Damage $2,000 / year
  • Baggage Delay $2,000 / year
  • Travel Delay $1,500 / year
  • Travel Accident Coverage $50,000 / year
  • Collision/Loss Damage Insurance $45,000 / year
  • 24-Hr Hotline Assistance
  • Concierge

This is clearly WAY more than I could ever expect from a travel card and it hits a bunch of personal issues I may face and could save my “bacon” in the coming years.

For example, when weather is bad (think days of delays like Delta had a while back) this is going to be huge. Same goes for bag issues or other travel delays. Beyond that, there are other important bits for me.

I scuba dive and have paid for DAN dive insurance each year I dive. With this plan, I have medical coverage as I always dive with a Dive Master never below 120 feet (and we always do).

My amazing USAA automotive policy does not cover me when I rent a car say in Grand Cayman and the add-on insurance can be as much as the rental cost. With this I am covered (still excluded Israel, Jamaica, Republic of Ireland or Northern Ireland, cars that retail over $75,000 and rentals longer than 45-day rental).

I am becoming a “frequent floater” in the past few years and this year will take 5 (some short, some long). While reading up on cruising I have come across nightmare after nightmare of the cost of medical treatment onboard or along the way (or to get home). This peace of mind alone, to me, is worth this policy.

I could go on and on for me personally but the bottom line is this is a buy it and forget it (until you need it) and covers me for any tickets, or cruises or car rentals, I buy while I have the coverage in place. No need to call or add – it is just automatic. Any other coverage I have is still in place unless this is needed.

Gosh, I should have done this annual travel protection plan years ago but I am happy I finally made this wise move! – René

 

 

Advertiser Disclosure: Eye of the Flyer, a division of Chatterbox Entertainment, Inc., is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact how and where card products appear on the site. This site does not include all card companies or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of the links on this page are affiliate or referral links. We may receive a commission or referral bonus for purchases or successful applications made during shopping sessions or signups initiated from clicking those links.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Tags: Rookie
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René

René

René de Lambert is a contributing writer for EyeoftheFlyer.com - He is an avid Delta and SkyTeam flyer who has held Delta’s top Diamond Medallion status for many years and flown millions of miles.

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Comments 29

  1. Hal says:
    7 years ago

    So I just started looking at it but I couldn’t find the details of what the covered reasons were for trip cancellation until you buy the policy.

    Reply
    • rene says:
      7 years ago

      @Hal – At the bottom of the policy choices click on: “Certificate of Insurance/Policy” for bits.

      Reply
  2. Cranky Bob says:
    7 years ago

    awesome information. Will sign up for wife and I today!

    Reply
  3. Marshall Jackson says:
    7 years ago

    Good post. Travel insurance is an often forgotten topic. The husband of an acquaintance recently suffered a heart attack while cruising. The medical evac alone was 10s of thousands. He’s doing fine, and since returned to cruising, but can you imagine the financial hit had they not had travel insurance?

    Reply
    • rene says:
      7 years ago

      @MJ – Exactly why I jumped “onboard” if you will. Well worth it. Not to mention all the other nice bits!

      Reply
  4. Cj says:
    7 years ago

    Chicago seminars going to happen 2018 ?

    Reply
    • rene says:
      7 years ago

      @Cj – Am told 100% ON. No idea why not yet on sale. I hope soon!

      Reply
  5. sabhi says:
    7 years ago

    does the premier plan include cruise coverage

    Reply
    • rene says:
      7 years ago

      @sabhi – It is outlined clearly in the “Certificate of Insurance/Policy”. Since I do cruise each year this is one of the reasons I got this.

      Reply
  6. Cate says:
    7 years ago

    Would love to see a comparison of different companies’ policies.

    Reply
  7. Bill G says:
    7 years ago

    While it sounds like a good deal (and perhaps it is, I didn’t check the price) the limits for the couple of things you are actually likely to use seem pathetically low. For example, travel delay protection covers $1500 per year? I think many of us can run through that rather quickly! (Unless they make it crazy hard to use, such as you have to be delayed 12 hours or something!)

    Reply
    • rene says:
      7 years ago

      @Bill G – For a higher plan you get more coverage. Even so, one max yearly claim on this point alone would cover years of premiums.

      Reply
  8. peachfront says:
    7 years ago

    Interesting. I’ve graduated to taking trips far more expensive than this, but it seems like the medical evac/emergency medical coverage might be worth it even if if the actual trip cancellation insurance is completely inadequate.

    Reply
  9. Byron says:
    7 years ago

    Rene, We will be on our 20th cruise and just booked #21 over in Europe for next year and paid $358 for insurance. Paying this one time a year, even if a bit more would be great. However, I could never get it to price the Premier package. I will call them on Monday as we are travelling on another vacation on Tuesday.

    Reply
    • rene says:
      7 years ago

      @Byron – When selecting plan you can for a higher fee choose much higher totals for cancelation insurance.

      Reply
  10. Byron says:
    7 years ago

    Rene,

    Could not get it to give me a price on premier. What do you think Premier is for 2 people 63 of age.

    By the way our two favorite cruise lines are NCL and Celebrity. The Getaway and Breakaway are right there with Celebrity’s top ship. I cannot imagine how those ships costing 2 to 3x more could be any better.

    Reply
    • rene says:
      7 years ago

      @Byron – I a little younger than you but for my wife and I who both cruise this was perfect. We normally book suites so for a cancel we are not getting our money back but more for if we need to visit the doctor onboard or need to med flight home. As MJ points out that can cost a small fortune and at my age (and yours) that is no longer a risk I am willing to take.

      Reply
  11. Jim A says:
    7 years ago

    I read the “bits” i.e. fine print but could not find, what kind of coverage do you get if you are traveling on an Award (i.e. miles) ticket? I would assume you’re getting zero $$ for the actual plane ticket; but would other things get covered, such as Trip Interruption / Cancellation costs, even though it’s an Award ticket?

    Reply
    • rene says:
      7 years ago

      @Jim A – FF tickets are covered. Even redeposit fees. Example see page 3 in the bits that says:
      “FREQUENT TRAVELER/LOYALTY PROGRAM COVERAGE
      If You used frequent traveler awards (frequent flyers miles or
      hotel rewards) for any part of a Trip, the Company will pay the
      fees incurred by You for re-depositing those awards in Your
      account if the Trip is canceled for any of the reasons under
      Trip Cancellation and Interruption Coverage.
      Please refer to Your Letter of Confirmation for the maximum
      coverage amount available under Your plan.”

      Reply
  12. Wayne says:
    7 years ago

    For air travel, my protection plan is my Delta ticket. For each of the past three years I have flown 220K miles, 140 or more segments. I have had only two missed connections. In both instances they honored the back up itineraries I chose and I kept my FC upgrades. In one instance it was the last flight of the day and they paid for my hotel.
    Delta is not responsible for weather delays but they have been very cooperative in allowing me to change itineraries when there’s a good chance weather will cause a missed connection.

    Reply
  13. Lulu says:
    7 years ago

    It’s better to buy a policy that covers actual medical bills outside the country. There are some that cost about the same that covers medical/hospital bills. Most of this policy is easily covered by my credit cards.

    Reply
  14. Lulu says:
    7 years ago

    Oops – didn’t read close enough – medical coverage is included – Sorry!

    Reply
  15. Grant Parish says:
    7 years ago

    Glad you are addressing travel insurance. Washington Post recently ran an article that shows that insurance purchased from a travel provider is very poor – insufficient limits of coverage and hassled with claims. Much better to buy direct from an insurance company, either by trip or annually.

    Reply
  16. CSue says:
    6 years ago

    Trip Cancellation $2,000 / year
    How is this way better than what you would get with a premium card? CSR is $10,000 per person.

    Reply
    • rene says:
      6 years ago

      @CSue – The policy covers WAAAAYYY more than CSR does.

      Reply
  17. Debbie L says:
    6 years ago

    I am looking at the differences between CSR and annual insurance and the only difference I see is the medical.dental coverage and baggage delay. Is that what you consider way more or is there something else that I’m not getting? I really like to follow your advice so please explain to me. Thanks so much for all your work!

    Reply
    • Chris Carley says:
      6 years ago

      @Debbie L: I personally went with an Allianz plan that covers my wife, daughter, and me. I think it was $475 for a year of travel — regardless of how a trip is paid for. (One of my clients books and pays all their contractors’ air travel and hotel, so I need to be protected in case something happens on one of those trips because they won’t pay it. I promise you they don’t use a credit card with travel protection. 🙂 )

      I took the comprehensive plan because of the medical coverage while traveling. I fractured my wrist in May at a hotel — before I had insurance — and it cost me a fortune in urgent care bills. After my primary insurance paid their share. That was all I needed to finally take the plunge.

      Does that help answer your question?

      Reply
  18. Gaurav says:
    4 years ago

    Chris this seems to link to the UK Allianz page.

    Reply
    • Chris Carley says:
      4 years ago

      Thanks for the heads-up.

      Reply

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