Your Credit Card Issuer And The Insurance Programs They Offer

Depending on your Credit Card Issuer, you may have several types of insurance available with different names and functions.

Indeed, there are many insurance programs available for consumers, but we shall deal with the very basic and describe each one with pith.

It's pretty much the same across the board, although the names may change.

Whenever you feel that any of the following events occur, don't hesitate to contact your credit card issuer and inform them that the occurrence reflected in the insurance contract has taken place and that you want to know how to receive proper assistance on the matter.

Purchase Safety Insurance
This would cover any goods ordered with your credit card that had either been misplaced or robbed whilst in transit or any damaged goods not as a result of the customer's fault - once this happens, contact your credit card issuer to get a partial or full reimbursement, depending on your insurance policy's details.

Aside from the above example, also covered would be any items purchased in a retail store (especially home appliances), and even if your home insurance policy covers these incidents, you can still utilize the insurance available in your card.

Theft Insurance
Provided that you notify your credit card issuer the moment you realize your card is lost or stolen, the missing card will be blocked by the credit card company and if any charges had been incurred from the time you realized your card was missing, they shall be reimbursed and nobody will be able to use the card.

Bear in mind also, that not only should you report the robbery due to the insurance but because it is also a legal duty.

Fraud Insurance Protection
Identity theft has became a growing issue for credit card companies, as it is driving away customers from credit cards that do not include this kind of insurance. Whenever you are subject to fraud due to the use of your credit card number and identity to make purchases without your consent, you should immediately let your credit card issuer know that fact and tag that operation as unauthorized.

If the fraud claim is legitimate, any payments made toward the disputed item and the disputed item itself will be reimbursed to the customer.

Travel annulment Insurance
You would want to be covered if you have plane tickets and/or a hotel reservation and an act of God or similar circumstance leaves you without a choice but to suspend or cancel your reservation. Whether you're on a leisurely jaunt with family or on a trip solely for business purposes, you can change your reservations accordingly without having to pay, or you can also get a full or partial reimbursement for your flight, hotel, etc. if covered by this insurance policy.

Travel Accident Insurance
This is a form of insurance that will have you protected in case of an accident incurred while traveling, or, Heavens forbid, death during a travel engagement. Though it may be better to segregate death, as this would transform this type insurance into sort of a death insurance policy.

In case of an accident, all your costs, including medical bills, transportation, phone calls, medicine, etc will be fully covered by the insurance company.

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