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Later, she realized she had made a $ 9,440 mistake.
Trip interruption coverage is what you need to qualify for a refund if something happens after the start of the trip.
To get both types of coverage on an RBC travel credit card, you need to sign up for Avion Visa Infinite Privilege ($ 399 a year) or Infinite Visa Avion ($ 120).
With the RBC Infinite Avion credit card, for example, the trip cancellation limit is $ 1,500 for each covered person. The overall maximum is $ 5,000.
This means Hopkins and her husband could have got back only $ 3,000 through the RBC Infinite Avion’s cancellation insurance (if they had the card). They’d be left to pay another $ 6,440 out of pocket.
“For small trips ($ 1,000 to $ 2,000 per person), consider relying on your credit card in case it has trip cancellation. I always suggest calling your bank to confirm you have this coverage. Reading an insurance policy can be tricky for some people.
“Ask about the limits for this coverage. They are normally indicated per traveler covered by your card, such as your spouse and kids.
“Remember, more credit cards have trip interruption than trip cancellation.”
“A travel agency may have an agreement with only one insurer, so it may be a more expensive option. Insurers know that need-driven purchases are more profitable for them, such as offering mortgage insurance when you buy a house,” he says.
If you have any pre-existing health conditions, you want to make sure your policy covers them. Talk directly to an insurance broker or find an insurance company that offers policies for people with health issues.
Make sure your travel insurance doesn’t stop at a certain age. Many credit cards have age limits on their coverage. This is especially important if you plan to celebrate your 65th or 70th birthday abroad.
“We would have paid that, if only we had known, but it was never brought up before I asked,” she says. “It’s a hard lesson to have learned, for sure.
My advice: You can compare travel reward credit cards at the RewardsCanada.ca website. Another site that compares credit card benefits is Insureye.com.
Do your homework and compare trip insurance packages online. You can find competitive quotes at Insurance Hotline and Kanetix.ca, plus informative articles at Travel Insurance File, offered by travel insurance broker Ingle International.