xx1what wrote: ↑ I have heard that almost all credit cards will null all insurance coverage even if a small portion of the flight was charged to a GC.
It typically says something like "full charge needs to be charged onto the credit card".
In this regard, air canada GC seems like a huge scam.
They sell you the GC, then try to sell you insurance for extra profit.
ShadowMordor wrote: ↑ agreed, i would never consciously book a flight without insurance through my CC...
but do keep in mind some people cant afford cc (either annual fee or they dont qualify for cc) that have coverages
and some people just like to save money to take the risk. hack, even if you book through aeroplan, unless you pay the tax via td/cibc/amex aeroplan cards, you dont actually have coverage....
For the AC gift cards, yes you're right. No travel coverage when flights are not FULLY paid by a CC, even with a little portion paid by GCs. So, burn them off on short/domestic/NA flights, where it is very unlikely that you will need to have any flight insurance coverage, particularly single hops such that there is no chance of lost luggage or missed connections.xx1what wrote: ↑ Really? Interesting.
Do you have any data point on aeroplan bookings not eligible for insurance?
How would the taxes not count as the "full charge" of the flight, since aeroplan miles are not cash.
The miles are reward, and the airlines reward us a lower fare (taxes) in exchange for loyalty.
For Aeroplan, yes it's true. You only get flight/baggage coverage if you pay the AeroScam fees with a TD or CIBC Aeroplan Visa card. The Amex Aeroplan and Amex Membership Rewards cards DO NOT provide coverage. Some people are saying the BMO World Elite MC will cover ANY flight where partial payment is made with the card, including Aeroplan...I haven't seen any datapoints of this being true though so I'll defer my suggestion to use the BMO card for now, and stick to the TD/CIBC Aero affiliated cards.
There are plenty of datapoints at FlyerTalk with reports that paying with any other CC, including Amex's super-uber Aeroplan Platinum card, will give you NO coverage on Aeroplan redemption flights. A few were able to stick-handle their way to get some coverage anyways, based on good Amex relationships, but I wouldn't rely on it. I have spoken to Amex's underwriter and they informed me clearly that there are NO Amex (Canada) cards that will cover Aeroplan purchased flights.