What does the insurance of my Visa Centra Gold Alterna Savings card cover?

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Victor
Victor
Credit card insurance expert @Hellosafe
The Alterna Savings Visa Centra Gold card offers reliable insurance coverage across multiple categories. For travel abroad, the card includes Emergency Health Care coverage up to $5,000,000 for trips up to 60 days for cardholders under 59 years old, ensuring extensive medical protection, including hospitalization, prescription drugs, and repatriation services. It also provides Trip Cancellation coverage up to $2,000 and Baggage Insurance up to $1,000 for theft or damage, offering peace of mind for travelers.
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For travel abroad, the card includes Emergency Health Care coverage up to $5,000,000 for trips up to 60 days for cardholders under 59 years old, ensuring extensive medical protection, including hospitalization, prescription drugs, and repatriation services. It also provides Trip Cancellation coverage up to $2,000 and Baggage Insurance up to $1,000 for theft or damage, offering peace of mind for travelers.
For winter sports enthusiasts, there is no dedicated coverage for skiing accidents, equipment damage, or related activities. While medical coverage extends to emergencies, those seeking specific protections for winter sports may find the coverage lacking.
Regarding vehicle rentals, the card does not explicitly offer Auto Rental Collision/Loss Damage Insurance, which is a limitation for users relying on this card for car rentals. Travelers who rent vehicles should consider alternative insurance options.

Travel Insurance Card Visa Centra Gold Alterna Savings

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During the trip
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On site
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Car Rental Insurance Card Visa Centra Gold Alterna Savings

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Content Insurance Card Visa Centra Gold Alterna Savings

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FAQ - Alterna Savings Visa Centra Gold

faq

How can I contact customer support?

You can contact customer support by calling the insurer at 1-800-463-1623 (toll-free in Canada and the U.S.) or by dialing 418-647-5299 (call collect) from anywhere in the world.

How do I report a claim?

To report a claim, call the insurer at 1-800-463-1623 (toll-free) or 418-647-5299 (collect call). Ensure you have all required documentation, such as receipts, proof of value, and official statements, as outlined in the policy, and submit them within 90 days of the loss.

Who is insured?

The insured includes the primary cardholder, their spouse, and dependent children. Dependent children must be under 18 (or under 24 if a full-time student). All insured individuals must meet the eligibility criteria stated in the policy.

How can I obtain an insurance certificate?

To obtain an insurance certificate, contact the insurer directly at their designated contact numbers or through their service portal. Additional documentation or forms may be required based on the request.

For which sports activities am I not insured?

Coverage does not extend to high-risk activities such as professional sports, paid competitions, motorized vehicle races, scuba diving without certification, or extreme activities like bungee jumping and mountaineering. Refer to the policy for a detailed exclusions list.

From when am I covered, and for how long?

Coverage typically begins on the departure date, as specified in your policy, and lasts for the duration of your trip as long as it falls within the maximum number of insured days. Extended coverage can be purchased if your trip exceeds the standard period.

In which countries am I covered? Am I covered worldwide?

Yes, you are covered worldwide unless exclusions apply, such as traveling to regions under a government travel advisory. Always verify specific coverage conditions for certain countries.

To benefit from the coverage, does the trip need to be paid in full with the card?

Yes, to benefit from coverage, the trip or qualifying expenses must be fully or partially charged to the card, as per policy requirements. Specific coverage conditions may vary.

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