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Optimal combo of CC travel coverage, medical policies, and travel insurance?


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@iamtrustworthy 

 

Hi! We use Chase Sapphire to book cruises, although we often put our air travel on our Delta Amex. We have two US based medical plans - BCBS through an employer plus Tricare Select (retiree). We don’t have serious medical issues and haven’t had major health changes in the last months (although medication changes do occur at times, type or doses).

 

For the rest of 2022 we have 3 cruises (one beginning in 2 weeks) and a driving trip to FL; in 2023 we expect to have 3 cruises plus a week independently in Mexico. We want to be covered, but don’t wish to duplicate coverage. 


What I don’t know is (a) whether we have significant/important gaps in coverage (including whether the insurance from sapphire is not covering our air fares since that portion of the travel and possibly others isn’t being charged to that card) and (b) would an annual policy save us money.

 

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3 hours ago, AlohaLivin said:

 

@iamtrustworthy 

 

Hi! We use Chase Sapphire to book cruises, although we often put our air travel on our Delta Amex. We have two US based medical plans - BCBS through an employer plus Tricare Select (retiree). We don’t have serious medical issues and haven’t had major health changes in the last months (although medication changes do occur at times, type or doses).

 

For the rest of 2022 we have 3 cruises (one beginning in 2 weeks) and a driving trip to FL; in 2023 we expect to have 3 cruises plus a week independently in Mexico. We want to be covered, but don’t wish to duplicate coverage. 


What I don’t know is (a) whether we have significant/important gaps in coverage (including whether the insurance from sapphire is not covering our air fares since that portion of the travel and possibly others isn’t being charged to that card) and (b) would an annual policy save us money.

 

Hi AlohaLivin,

 

What State do you live in?

 

Steve Dasseos

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