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neb

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#295777 22-Apr-2022 14:43
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I've been travelling for years on a personal BNZ Visa that includes insurance cover because it's far cheaper than paying for the insurance separately. While I was checking for what happens with Covid, I noticed that they now explicitly exclude cover for anything that could be classed as business or work-related travel, which I don't remember ever being an issue before. I phoned them to check and the mostly unhelpful person I talked to (as in, he had no idea what would happen in the hypothetical scenario I gave him, going to a conference) was of the opinion that any activity that could be connected with work or a business meant you weren't covered.

 

 

This post is both to point this out to others who may be in a similar situation that you may want to check your cover if you're using a personal credit card for travel insurance, and to see if anyone knows of any downsides to switching from a personal to business card apart from the huge hassle of having to close my existing account and open a new one just to get the different card - I'll never actually use the business account, I just need the card that gives me insurance cover.

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shk292
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  #2905416 22-Apr-2022 15:06
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I thought you normally have to pay for an element of the trip using the card in order to activate the travel insurance - so where the business is paying, this wouldn't be the case


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neb

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  #2905452 22-Apr-2022 16:47
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shk292:

I thought you normally have to pay for an element of the trip using the card in order to activate the travel insurance - so where the business is paying, this wouldn't be the case

 

 

You have to pay using the card to get cover, but it doesn't matter where the money is coming from as long as the payment processor gets their cut on the way through.

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