Do I have to pay for my entire trip with my card to be covered?

It depends on the card. Some require full payment of the ticket with the card, while others accept only a portion to be charged to the card. Always check your issuer's certificate of insurance before you travel.

Am I covered if I pay for my trip with points?

The answer varies depending on the card and program used. In many cases, paying entirely with points can invalidate insurance. However, some cards, such as the American Express Platinum Card or the TD Aeroplan Visa Infinite Card, maintain certain protections under conditions.

What happens after age 65?

Most cards significantly reduce the duration of medical coverage or completely exclude cardholders aged 65 and over. In this case, separate travel insurance is usually necessary to supplement the protection.

What to do if a flight is canceled?

First, contact the airline, as they have obligations to passengers. Often, they cover accommodation and meals. Keep all your receipts and written confirmation of the cancellation for a potential claim with your credit card insurance.

Does cancellation insurance cover a change of mind?

No. Cancellation insurance only covers specific reasons listed in the certificate (sudden illness, death in the family, unexpected job loss, etc.). To cancel for personal convenience, choose a flexible fare at the time of booking instead.

Are my children and spouse covered?

In most cases, yes. Credit card travel insurance generally covers the cardholder, their spouse, and dependent children during family trips. However, check the limits per person and per trip indicated in the certificate.

What if I travel for more than 21 days?

First, check the maximum duration covered by your card. If your stay exceeds this duration, you must either purchase an extension from your card's insurer or supplement your protection with separate travel insurance. Without this step, you will no longer be covered beyond the indicated limit.