More booby traps than benefits. When the card really covers you, when it's just coverage theater, and when you need a paid policy even with Black in your wallet.
More booby traps than benefits. When the card really covers you, when it's just coverage theater, and when you need a paid policy even with Black in your wallet.
A premium card only activates insurance if the airfare was paid 100% on the card. Paid half in miles? Probably no coverage.
Schengen requires an official letter in the local language and English with €30k explicitly stated. The bank app summary doesn't count — request the Allianz letterhead document 72h ahead.
Skiing, diving, paragliding, high-risk pregnancy, and travelers over 70 see coverage cut or zeroed in most contracts.
For short trips (up to 14 days), outside Schengen, no adventure, and under 60, the card usually replaces a paid policy.
An additional paid policy costs USD 35-80 for 7-15 days. For Schengen, skiing, or trips with small children, it's worth every cent.
More booby traps than benefits. When the card really covers you, when it's just coverage theater, and when you need a paid policy even with Black in your wallet.
