Discover Card Travel Insurance = Good or Bad?

All about Discover & Diners Club – talk about their credit card deals such as the More, Miles, Escape, and others.
3 posts
lizzylizard
 
Posts: 1
Joined: Fri Sep 23, 2011 7:50 pm
Location: Pasadena CA

Discover Card Travel Insurance = Good or Bad?

Postby lizzylizard » Fri Sep 23, 2011 7:56 pm

I see that most Discover credit cards offer travel accident insurance, trip delay, trip cancellation and some other insurance benefits. Has anyone on the forum actually used them before?

Say that I book a cruise to the Caribbean on my Discover Escape and then have an accident. Say I fall and break my leg. Will there be accident insurance that will pay for the medical care from my credit card?


Money card
Centurion Member
Centurion Member
 
Posts: 1361
Joined: Tue Jun 28, 2011 10:13 pm
Location: New York state

Postby Money card » Fri Sep 23, 2011 10:13 pm

this is something I would call them and ask the account manager. how do you like your escape card? do you use your card for business travel or personal spending?

If you use the card for business travel do you get your bill sent to your office or your home?

User avatar
Mogul of Pineapples
Centurion Member
Centurion Member
 
Posts: 1271
Joined: Sun Jun 01, 2008 11:32 pm
Location: Smogland

Postby Mogul of Pineapples » Thu Oct 06, 2011 1:42 am

The Escape card you mention has the best travel insurance benefits, but make sure you understand how they work. Here is a link to the benefits list on Discover's website: http://www.discovercard.com/customer-service/escape-enhanced-tc.html and here's a review of the Escape. The best in my opinion is the rental coverage that's primary, not secondary.

The Miles and More will have fewer travel benefits.

Say I fall and break my leg. Will there be accident insurance that will pay for the medical care from my credit card?


No, unfortunately not. In fact I don't know of any credit card that offers such coverage. Flight/travel accident insurance typically only covers you in the event of death or dismemberment during Common Carrier Travel.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred



Return to “Discover, Diners Club”

Who is online

Users browsing this forum: No registered users and 0 guests
†Advertiser Disclosure
The credit card offers that appear on this site are from credit card issuers from which CreditCardForum.com receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. CreditCardForum.com does not include all credit card offers that might be available to consumers in the marketplace.