Post Office warns against over reliance on travel insurance from credit cards

Research by Post Office Travel Insurance reveals that 46 per cent of people are looking for ways to reduce the cost of their holiday, and travel insurance is just one of the ways they're looking to cut back.

You may be tempted to rely on free travel insurance that comes with your credit cards. However, Post Office Travel Insurance urges you to fully understand what free credit card travel insurance actually covers you for.

Whilst some credit card providers offer comprehensive travel insurance to their cardholders, the majority provide a very different free travel insurance policy known as travel accident insurance.

Many are under the mistaken belief that the travel accident insurance will provide the same cover as a traditional travel insurance policy, yet this is not the case.

More often than not, credit card travel accident insurance will not cover you before you travel to or when you arrive at your destination – meaning you will be unable to claim compensation for cancellation, travel delay, missed departure and lost or stolen possessions. Policies are likely to include only very limited personal accident insurance, which means you could be hit by costly medical expenses if you are ill whilst away.

Post Office Travel Insurance is warning that it is imperative that you are fully aware of the terms of your credit card travel insurance policy, and that you should take out additional travel insurance if you are in any doubt about level of cover.


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Post Office warns against over reliance on travel insurance from credit cards
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