加国信用卡 – 用里程兑换机票或者礼品卡购买机票时,那些信用卡有旅游保险

Updated on November 14th, 2019

当积累到足够积分里程时,当然要尽快计划一场说走就走的旅行了,总不能把积分里程存着等升值过期贬值吧。但如果旅程中有些不如意的地方,比如说航班延误等,就有可能用得着旅游保险。不过并不是每一张有旅游保险的信用卡都会包括里程机票的,其中Amex的旅游保险条款中就不包括里程机票。

那么,有那些信用卡的旅游保险是包括里程机票或者礼品卡购买机票的呢?

更新:多谢网友Zhao的DP,奖励机票用BMO的信用卡付税费就有保费。
更新:2019年8月1日起,加拿大Amex调整信用卡保险条款

Amex

  • 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。

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

BMO

  • BMO Air Miles World Elite Mastercard
  • BMO World Elite Mastercard
  • BMO Cash Back World Elite Mastercard

BMO的旅游保险的条款如下,全文戳这里

Coverage Eligibility
Coverage applies only when You charge the full cost, or portion of the cost, of Your Trip to the Primary or Family Cardholder’s MasterCard prior to departure.

TD Bank

  • TD Aeroplan Visa Infinite Card
  • TD Aeroplan Visa Infinite Privilege Card

CIBC

  • CIBC Aerogold Visa Card for Business
  • CIBC Aeroplan Visa Infinite Card
  • CIBC Aeroplan Visa Infinite Privilege Card

CIBC的保险条款戳这里 。其中CIBC Aeroplan Visa Infinite Card的旅游保险的条款如下,全文戳这里 ;由于其中有No less than 75% of the Common Carrier fare的字眼,保险起见当兑换里程机票时,税项最好由这张卡来支付。

“Trip” means a period of travel for which:
a) There is a Departure Point and a destination; and
b) There are predetermined and recorded beginning and ending dates; and
a) No less than 75% of the Common Carrier fare, hotel or similar accommodations have been charged to Your Card prior to Your departure.
This definition is extended to include a Common Carrier ticket or accommodations obtained through the redemption of points from the Card travel reward program

Desjardins

  • Odyssey Gold Visa
  • Desjardins Odyssey Visa Infinite Privilege Card

结语

即便是免费的里程机票,也会涉及到支付税项和手续费等款项。虽然上述的信用卡也没有写明一定要用这张卡来支付税项和手续费等,但为了保险起见,还是强烈建议这么做,以免将来需要出现不必要的麻烦。

关于信用卡旅游保险可参考: