Credit card with travel insurance Does it help you?

A credit card is very useful to have with you when traveling, for example to be able to rent a car. Some credit cards also have additional travel insurance policies linked to the card. How extensive are these insurance policies? Can you travel without a separate travel insurance policy from now on? We figured it out for you.

Credit cards with additional travel insurance policies are fairly common. You often do not even have to take the expensive variant. For example, the Visa World Card, the Mastercard Classic and the credit cards of SNS and ASN have supplementary travel insurance policies. These are all ICS cards, with almost the same insurance conditions.

American Express also offers travel coverage, which increases with the price of the credit card.

Additional coverage


The word ‘additional’ already shows that they are only a supplement and do not offer basic coverage of, for example, medical costs and luggage. In addition, the additional cover only applies if the trip has been paid for with the credit card. The cover also does not apply to other family members, unless they have a credit card that is linked to the main credit card.

Examples of additional cover are compensation for travel accidents, assistance and travel inconveniences, such as flight and baggage delay. Emergency money is sometimes also covered, in case your credit card is stolen or lost. You can then collect money from the local bank.

What does the additional coverage exactly mean?

Travel accident insurance

Travel accident insurance

With a travel accident insurance you may think of medical assistance in the event of an accident, but this is not included. This is a one-off payment for if you become permanently disabled due to an accident while traveling.

The ICS cards, for example, pay out a maximum of 149,625 euros if you were disabled for at least 25 percent. With a lower disability percentage, the maximum amount is 42,750 euros. The cover only applies to journeys by public transport that have been paid for with the card.

American Express and the American Express Flying Blue cards also reimburse an amount in the event of death.

Assistance insurance

The assistance that you can borrow from credit cards in emergencies varies widely. For example, American Express has Global Assist for all credit cards, a 24/7 telephone helpline for all sorts of questions and emergencies. Global Assist can help you apply for a visa or refer you to an English-speaking doctor or lawyer in your holiday country, for example.

The ICS assistance insurance goes further. This gives, for example, the right to help if you get sick or have an accident and therefore have to go home unexpectedly. The insurance reimburses transport costs, even if special transport is required. In the event of death, the costs of transporting the body are covered. Medical costs are not covered by the health insurance.

If you urgently need medication that is not available on the spot, you can contact the health insurance to have medication sent to you. The costs of the medication itself are not covered by the travel insurance.

Travel inconveniences

Travel inconveniences

If your flight has been delayed for hours, you can claim the extra hotel stay that you may have to make as well as the extra telephone costs on the travel insurance of the credit card. There are minimum times for the delay and maximum reimbursements.

The American Express Green Card and the Flying Blue American Express Silver Card, for example, reimburse a maximum of 175 euros per insured person per event after 4 hours. More expensive cards have higher insured amounts.

You can also purchase the necessary items if your luggage is delayed. Conditions and maximum reimbursements also apply to this. ICS cards give a reimbursement of a maximum of 125 euros per insured person per day with a maximum of 1,000 euros per event if you do not have your baggage 8 hours after arrival.


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