Person holding a credit card at a computer

CSA Travel Protection Shares Why Credit Cards Aren’t a Great Solution for Travel Insurance

Get your travel insurance quote from CSA

Travelers might think their credit card will cover them on a trip to the same extent as travel insurance, but, in many cases, this isn’t true. Many credit cards that include some travel protection features often provide coverage for fewer events and tend to offer lower benefit limits than travel insurance.

CSA Travel Protection, dedicated for 25 years to providing full-service travel insurance solutions, explains why credit cards are not enough, especially when it comes to coverage for trip cancellation, medical and evacuation coverages, pre-existing medical conditions, limits and covering other travelers.

Where credit card coverage falls short

Robust Trip Cancellation Coverage

  • According to Cardrates.com, “only about 15 percent of credit cards offer travel cancellation insurance.”
  • Most trip cancellation or interruption protection offered by credit cards is limited to a handful of reasons such as illness, injury or death. CSA’s plans cover around 20 different events that could cause travelers to cancel their travel plans, including job loss, school year extension, terrorism or jury duty.

Medical and Evacuation Coverages

  • Credit cards often don’t have the same level of coverage as travel insurance for medical expenses or emergency medical transportation while traveling—which can be costly if travelers don’t have the right coverage. According to the Centers for Disease Control and Prevention, medical evacuations by air ambulance can cost $50,000-$100,000.

Pre-existing Medical Conditions

  • If travelers are concerned about coverage for pre-existing medical conditions, they shouldn’t count on their credit card. CSA’s Custom Luxe plan includes coverage for pre-existing conditions as long as certain requirements are met.
  • In order to qualify for coverage for pre-existing medical conditions, the plan must be bought prior to or within 24 hours of the final trip payment, travelers must be medically able to travel at the time the plan is purchased and all prepaid trip costs that are subject to cancellation penalties or restrictions must be insured.

Card limits and covering other travelers

  • Many cards cap their benefit limits, especially for trip cancellation coverage, at lower amounts than CSA’s travel insurance plans.
  • Credit cards are likely to only cover the cardholder, while CSA’s plans allow for up to 10 people to be listed on a plan.

While planning their next vacation, travelers should consider these tips before crossing off travel insurance from their to-do list. If they have credit cards with travel insurance, then they should contact their credit card provider to find out the exact terms and conditions. Remember it is likely that only purchases made with the credit card will be eligible for coverage. If travelers paid another way, check or cash for example, then they would probably not be covered by the credit card.

Travelers who determine that credit cards aren’t enough should consider purchasing travel insurance from a reputable provider such as CSA Travel Protection. May they have travel insurance, but never have to use it because their vacation was smooth sailing.

About CSA Travel Protection

CSA Travel Protection is dedicated to providing valuable travel insurance and emergency assistance services to protect travelers’ vacation investments and provide the peace of mind one deserves while traveling. For 25 years CSA has developed a reputation for standing behind its customers and by offering products and services to meet their needs. Through award-winning customer service, extensive experience and industry-leading innovation, CSA is with its clients every step of the way, whenever and wherever they are needed.

Travel insurance plans are administered by Customized Services Administrators, Inc., CA Lic. No. 821931, located in San Diego, CA and doing business as CSA Travel Protection and Insurance Services.  Plans are available to residents of the U.S. but may not be available in all jurisdictions. Benefits and services are described on a general basis; certain conditions and exclusions apply. Travel Retailers may not be licensed to sell insurance, in all states, and are not authorized to answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance.  This plan provides insurance coverage for your trip that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. If you have any questions about your current coverage, call your insurer, insurance agent or broker.  This notice provides general information on CSA’s products and services only. The information contained herein is not part of an insurance policy and may not be used to modify any insurance policy that might be issued. In the event the actual policy forms are inconsistent with any information provided herein, the language of the policy forms shall govern. 

Travel insurance plans are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231. Generali US Branch operates under the following names: Generali Assicurazioni Generali S.P.A. (U.S. Branch) in California, Assicurazioni Generali – U.S. Branch in Colorado, Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice in Oregon, and The General Insurance Company of Trieste and Venice – U.S. Branch in Virginia. Generali US Branch is admitted or licensed to do business in all states and the District of Columbia.

A330 17 03