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Is my trip already covered by my bank card?

May 18th 2020
Find my insurance
Qover-me travel insurance
Standard bank card
Premium bank card (like Visa Premier or Mastercard Gold)
Medical emergency abroad
Refund type
As of the 1st euro
In complement to social security
In complement to social security
Hospitalisation
100% of the real cost


Medical expenses limit
Up to €3,000,000
Up to €11,000
Up to €155,000
Excess
€50
€50
€50
Emergency dental care
Up to €1,500
Up to €700
Up to €700
Emergency optical care
Included


Assistance and repatriation
Health repatriation
100% of the real cost
100% of the real cost
100% of the real cost
Presence of a family member in case of hospitalisation
100% of the real cost


Search and rescue
Up to €10,000


Missed departure and delay
Up to €1,000


Civil liability and legal expenses
Physical injury and material damage
Up to €1,000,000

Up to €1,525,000
Legal assistance
Included


Legal fees
Up to €25,000
Up to €800
Up to €3,100
Trip cancellation
Refund
Between €1,000 and €5,000 according to the chosen option

Up to €5,000
Excess
€50

20%
Eligible cancellation reasons
  • Death, illness or accident of the insured, a relative, a travelling companion or a person with whom the insured intends to reside during the trip,
  • burglary,
  • loss of employment,
  • jury service,
  • Unfavourable weather conditions,
  • Crisis situation,
  • Coup d'état, or unrest or within the government,
  • Change of government opinion (positive to negative)

  • Death of a relative,
  • accident
Baggages
Delayed baggages
€50 to €375 per insured according to the chosen option

Up to €400 per family
Lost bagages
€250 to €750 per insured according to the item and the chosen option

Up to €800
Refund per valuable belongings
Up to €750

Up to €250
Excess
€0

€70
Eligibility rules
Insured persons
Persons insured on the contract
Cardholder, partner and dependent children
Cardholder, partner and dependent children
Eligibility
The insurance contract must be taken out no later than the day before departure
  • Only if full payment for the trip is made with the credit card
  • As long as the card has not reached its expiry date
  • Coverage limited to the first 3 months of travel
  • Only if full payment for the trip is made with the credit card
  • As long as the card has not reached its expiry date
  • Coverage limited to the first 3 months of travel

Disclaimer:
Guarantees vary depending on the type of card and the issuing bank.
See the general conditions for full information on the guarantees and conditions of the insurance.

Repatriation, trip cancellation insurance... Does your bank card already provide the right coverage for your holiday? Better to double check.

Travel coverage may be included in your bank card benefits, depending on the card type and issuing bank. When you pay for your travel with your Visa Premier or Mastercard, you and your family (spouse and dependent children under 25) may - depending on the specified conditions - be covered by a repatriation insurance that includes coverage of some medical expenses, death/disability insurance and a number of assistance services. Several of these situations may also be covered by your health insurance.

However, it may not be easy to get your claim accepted as the conditions are usually stringent and coverage may be limited in your country of destination. Such coverage is “one size fits all” and may not match your needs. The same applies to airlines’ trip cancellation insurances, which are generally more expensive than separate policies.

To give you a better idea, here is a summary table of the main differences between the coverages you can get:

Please note: some countries require proof of travel insurance before issuing visas, e.g. China, Russia, Algeria, Cuba or Mongolia.

Qover-me offers you flexible coverage. You can design your own travel insurance coverage according to your profile and needs. You know what you’re paying for, under fair conditions and at a fair price. Just what you need for a carefree holiday!

Find more information on our packages and options:

Click below to find the insurance that suits you. Don't hesitate to contact us if you have any questions about our travel insurance.

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