Wife and I have booked return airfares to Europe in September and paid for flights and accommodation using our Westpac earthblack credit cards. We have never used free insurance before preferring to buy standalone travel insurance. The insurer is Zurich. However I thought "why not" - there are a lot of happy customers on the web saying its okay. However, is there a catch?
According to PDS to qualify (in general terms) you have to have a return overseas travel ticket, and A$500 of your prepaid travel costs have been charged to credit card. On that basis we qualify as our (so far) booked accommodation is in excess of $1,000 (i.e. more than $500 each). However in the definition section under the definition of the word "trip" it reads "overseas passage by the cardholder as a paying passenger..... Provided that before the passage commenced the cost of the passage was charged to the cardholders eligible credit card account .....". The word "journey" is also defined.
Does anyone know is there is a distinction between a journey and a trip? I have been through the PDS a couple of times and while the word trip got a few mentions, it remains unclear. If they mean the same thing then simply paying $500 each on the credit card will not get you free insurance. Does the condition that you have a return overseas travel ticket somehow get caught up with the definition of trip which then means you must also purchase your tickets on your card?
I followed the PDS directive and phoned Zurich. The person said that all I had to do was "buy your plane tickets". Now I know that is not "all" I had to do so I didn't take the matter any further with them.
I believe we will be covered on this occasion. However a major concern I have is what will happen next time if I decide to purchase our seats using points.