【提醒一下】2019年8月1日起,加拿大Amex调整信用卡保险条款,具体分析

Updated on August 4th, 2019

2019年8月1日起,加拿大Amex调整旅游延误/取消保险(Trip Cancellation/Interruption Policy),Amex公告直达网页

2019年8月更新,新条款生效后,很多新的改动是值得留意的,其中包括以下几样,全部保险条款戳这里

旅游中断/取消保险

根据新的旅游中断/取消保险条款,只需要部分的费用(也就是税项)是使用Amex信用卡支付的,就会有保险:

This insurance provides coverage whenever any portion of the trip costs (before any cancellation penalties have been incurred), is paid with your Card or paid using points earned under the Card reward program, provided any applicable taxes are charged to the Card. Note: Trips will not be covered for Trip Interruption, if purchased with points from a reward program other than the Card reward program

旧的旅游中断/取消保险条款:

Whenever the entire cost (and before any cancellation penalties have been incurred) of prepaid travel…

or by redeeming Membership Rewards points earned under the card Membership Rewards Program

航班和行李延误保险

在新的条款下,所有用积分兑换的机票都会包括在内。

Flight and Baggage Delay kicks in if the common carrier ticket is purchased with the cards points programs.

更具体的解释是这样的:

  • Amex Air Miles,如果持有这张信用卡,用Air Miles兑换机票,保险包括;
  • Amex Aeroplan,如果持有这张信用卡,用Aeroplan兑换机票,保险包括;
  • Amex Gold/Platinum,如果持有这张信用卡,用Air MR兑换机票,保险包括;
  • 如果没有持有Amex Aeroplan,用Aeroplan兑换机票,保险不包括;同理,使用Avios,Asia Miles等兑换机票,保险也不包括。

酒店财物保险

意思是说,如果你手头上持有Amex Bonvoy信用卡。使用Marriott Bonvoy兑换酒店住宿时,会包括有入住酒店时的财物保险。

Hotel Motel Burglary insurance will now apply to all Marriott point stays if you have the Bonvoy card regardless if you pay any cash taxes or any other covered trip expenses with the card.

结语

新的旅游保险条款比之前有所改动,但是一些极细微的地方,还是需要通过之后的网友数据点(DP),才能变成更加明确。

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