We are planning two trips to Europe next year (a 14 day river cruise for H and me) and a different 14 day land tour that I am going on with a friend. Because travel insurance seems to be about run about 6% of the trip cost, we are thinking of getting the Chase Sapphire Reserve card and forgoing any additional travel insurance.
Does anything have any experience with using just the travel insurance that comes with that card? Or do you feel that the CC insurance isn’t good enough? We are 60 and in excellent health. Given the high annual fee of that credit card, we would only be getting it if we can use the travel insurance. Thanks for any feedback!
I use the CSR travel insurance benefit for many trips, but did purchase a separate policy for our cruise. Make sure the coverage limitations will work for you. I was researching whether the delay portion would be sufficient when I realized our trip total for 6 exceeded their limits even for cancellation.
Get and pay for some travel health insurance (like GEO Blue) in case anything happens. I have a good friend who broke 2 wrists the first night of a trip to Greece and ended up in a hospital in Greece. Because of her foreign travel health insurance, she was treated very well, did not have to pay out of pocket, and they arranged her travel home. Every since, nobody in my family travels out of the country without this (it is very inexpensive).
This. OP, your health insurance likely does not cover costs incurred during foreign travel. CSR travel insurance benefits do not cover medical expenses, so you need a separate policy for medical. Make sure it covers the cost of getting you home in a health emergency or if one of you were to pass away while traveling.