Travel card with insurance. What is the best bank card for travel? A card with travel insurance, Priority Pass, miles, free internet while roaming… Credit or debit? Tinkoff, credit ALL Airlines

Speaking about the additional benefits that can be obtained simply by using a bank card, it is worth mentioning insurance service. After all, most credit cards have long been not only a way to issue cash loans, today it is a full-fledged financial instrument, one of the possibilities of which is the easy execution of an insurance policy.

IN ordinary life we hardly think about insurance, except for compulsory health insurance(which, by the way, is drawn up by the employer) and our relationship with the car, less often - we insure life and real estate.

In any case, at home, most often no one specifically remembers possible troubles - ordinary and measured life is rarely interrupted by emergencies.

But everything changes when we go somewhere far from home, on vacation or on a business trip. In this case, the entire responsibility for the trip falls entirely on us, and there are plenty of problems that can be encountered during such a voyage. Starting from flight delays, lost luggage and troubles at customs, and ending with health and legal problems while abroad. Do not forget about the possible theft and loss of personal belongings, money and tickets.

In general, the risk of getting into an unpleasant situation, which can cost you time, money and health, increases many times during a trip abroad. Guaranteeing that everything will go "without a hitch" is almost impossible. However, as the notorious Ostap Bender once rightly noted, “only an insurance policy can give a full guarantee.”

That is why travel insurance has long been a standard offer for all insurance companies. There are countless tariffs and packages that can insure absolutely all risks or only some individual ones - the cost of the final policy will depend on this, as well as on the validity period.

Insurance is already included in the price of most package tours, however, if you plan to organize your vacation yourself, you will need to separately issue a policy for each member of your family. Of course, this is not a very complicated procedure, and it is also not very expensive. But it is much better when you can save time and money without losing insurance coverage. And there is such an opportunity if you find yourself a credit card with insurance already included.

Insurance included

There are two main ways to get auto insurance on a bank card today.

The first is to purchase a special insurance program in the same bank. Majority credit institutions have an insurance company in their composition, on behalf of which they sell policies to their customers. But this method is almost no different from ordinary insurance protection - except that you will buy a policy at the bank itself, and this will allow you to gain some time and money.

The second option is much more interesting and convenient. It consists in issuing a special type of bank card for yourself, the insurance for which is already included in the package of services. And then you will receive an insurance policy automatically, every time you go on a trip, and, last but not least, completely free of charge.

Of course, such a policy is free only at first glance. Firstly, its availability is already included in the annual cost of servicing the card. And secondly, insurance is often activated only after paying for a trip (tickets or a hotel) with this card, so the cost of the policy is paid off by the payment system commission for this operation.

Basically, such insurance is present on all types of premium bank cards, as well as on cards specially designed for travelers.

Examples of credit cards with insurance already included:

The best insurance service is provided by the company American Express. She just specializes in tourist services, so the cards of this payment system receive the most extended list of insurance programs, the exact content of which depends on the status of the card. But even the simplest AmEx-branded credit cards get health insurance coverage of up to $150,000 for all family members, free legal assistance, and protection against theft or loss of all purchases. Whereas platinum credit cards guarantee insurance protection for up to $1 million.

Other payment systems - VISA and MasterCard - for holders premium cards only offer an included purchase insurance program.

In some cases, the insurance travel service is organized not by the payment system, but by the bank itself that issued the card. This is the case, for example, with the Traveler Protection program for gold cards and above. Own program The card also has insurance.

In general, although bank card with insurance and costs a little more than buying a regular travel policy, but with frequent trips abroad, it becomes noticeably more profitable than separate insurance - because, unlike a policy, it needs to be issued only once. In addition, a status credit card can offer several types of insurance in one package at once, and also has a number of other useful advantages already included in its price.

Many people know that banks offer cards with bonuses for travelers. But not everyone knows about additional service– free insurance for those traveling abroad. Next, we will tell you why a TZR policy is needed abroad, what it protects against, and what bank offers you should pay attention to.

What is a VZR policy

The TCD policy protects travelers in case of illness or injury while on vacation or business trip. In some countries, such insurance is mandatory (for example, in most Schengen states), in some it is not.

In any case, it can greatly facilitate the life of a tourist in the event of unforeseen circumstances.

Of course, first aid will be provided regardless of whether a person has insurance or not. However, after the treatment, the clinic will issue an invoice. In foreign medical institutions, prices are an order of magnitude different from ours. For example, a doctor's appointment will cost 50-60 euros, a day in a hospital is 10 times more expensive.

The minimum package of services under the TCD policy includes:

• hospitalization;
• stay in a hospital or outpatient treatment (as prescribed by a doctor);
• emergency medical intervention;
• transportation to Russia if necessary.

As a rule, banks attach a policy with a standard set of parameters to classic cards. For additional options, such as "active recreation", you will have to pay extra.

Holders of status plastic are often offered premium insurance packages. Additionally, they include, for example:

• payment for housing after leaving the hospital and before leaving home;
• payment for urgent messages;
• provision of an interpreter;
• visits to the patient relatives;
• return of minor children;
• legal and administrative assistance;
• search and rescue operations.

With which card can I get a VZR policy

Usually free insurance is attached to plastic for tourists. With it, bank customers receive miles or other bonuses for purchases and spend them on tickets. It can be both debit and credit cards.

Some financial institutions make such offers for all customers, from ordinary to. Others give TZR policies only to holders of preferred Gold or Platinum cards. Price annual service varies from several hundred to several tens of thousands of rubles.

What is more profitable for a tourist

What is more profitable: to get a card with free insurance or to issue a TCD policy? Let's compare.

Most cheap option policy for a trip to Turkey for 14 days - about 1 thousand rubles. per person. This is an economy package without additional options (that is, only emergency assistance is included here). Premium will cost at least 2-3 thousand rubles. Economy option includes coverage in the amount of 35 thousand euros, premium - 100 thousand euros.

We have considered rates for single trips. We will also take out insurance for a year for several trips. In AlfaStrakhovanie, an economy package costs from 16 thousand rubles. Rosgosstrakh offers a policy for a year from 1770 rubles. provided that the client will stay abroad for no more than 30 days in total.

As for cards with free TCD insurance, you only need to pay for the annual service. It costs from 750 rubles. for standard cards and from 3000 rubles. for gold. The amount of insurance coverage is from 50 thousand euros or dollars. Next, consider the most profitable options.

Top 5 profitable offers

IN Novikombank upon receipt of debit cards, insurance is issued with coverage up to 50 thousand dollars or euros. The card is issued within 5 days; if you need an urgent issue within 2 days, you can order such a service and pay an additional 1500 rubles.

Also in Novikombank you can issue Gold card, while the insurance coverage under the TCD policy will be up to 100 thousand dollars or euros. Additionally, medical and legal assistance is provided within Russia.

In both cases, the policy is issued by Absolut Insurance LLC.

Among the features we can note the possibility of organizing a free flight for children to their homes. Insurance Company organizes it if the tourist was hospitalized for 2 weeks or more. The risk "Active rest" will have to be paid separately.

Annual maintenance:

• Visa Classic, MasterCard Standard - 750 rubles;
• Visa Gold, MasterCard Gold - 3000 rubles.

Favorable conditions are offered by Avangard Bank. Holders of Airbonus and Airbonus Premium debit cards receive as a gift insurance for traveling abroad with coverage up to 60 thousand dollars or euros from the international insurance company SK Blagosostoyanie OS JSC.

pay attention to required condition: insurance is provided free of charge if the client uses the card for the second or third year.

Otherwise, you will have to pay with plastic for the trip itself or any purchases during the trip (ticket, tour, hotel, gasoline, goods in Duty free stores). The policy is valid for the first 60 days of each trip. It includes emergency medical care, emergency dentistry, accident insurance, transportation to the hospital, the risk of losing luggage. The deductible is $40. This means that the tourist will have to pay this amount himself. The rest will be covered by SC.

Annual maintenance:

• Airbonus - 1000 rubles;
• Airbonus Premium - 5500 rubles.

Tinkoff gives insurance to cardholders and. The insurance policy is provided by Tinkoff Insurance JSC. For ALL cards Airlines, the duration of a tourist trip cannot exceed 45 days. The insurance is valid for 1 person and covers expenses up to 50 thousand dollars or euros. It applies to outdoor activities. Franchise is not provided.

For ALL Airlines owners Black Edition insurance is provided for a family of up to 5 people with coverage up to 100 thousand dollars or euros, which is valid even when practicing dangerous sports (alpine skiing and snowboarding).

Pay attention to the list of countries in which the insurance policy is not valid. This includes Lebanon, Somalia, Liberia, etc.

Annual maintenance:

• ALL Airlines World - 3588 rubles. (299 rubles per month); free of charge for customers with open credit or with an account balance of more than 100 thousand rubles;
• ALL Airlines Black Edition - 23,880 rubles. (1990 rubles per month); free of charge if the client's accounts contain more than 3 million rubles. or the amount of purchases for billing period amounted to more than 200 thousand rubles.

Raiffeisenbank cooperates with AlfaStrakhovanie OJSC. Free insurance is provided to holders. The policy includes professional medical care, is valid worldwide and protects owners from risks even when engaging in active recreational activities (cycling, cross-country skiing, skating, motorbike, ATV) and in case of alcohol intoxication.

The spouse and children are also insured when traveling together. Franchise is not provided, insurance coverage is 50 thousand dollars or euros.

Annual service: free of charge with spending from 30 thousand rubles. monthly or balance of at least 300 thousand rubles. Otherwise - 6000 rubles.

Promsvyazbank Issues with travel insurance service. Insurance coverage - up to 50 thousand dollars or euros. The policy is issued by OSAO RESO-Garantia. It only covers expenses in case of accidents and illnesses. The insurance company will organize medical assistance and, if necessary, reimburse the costs of hospitalization, the visit of a relative or the transportation home of a tourist and his minor children.

Annual service: 1990 rub.

What to look out for

Pay attention to:

• the presence of a franchise - in this case, at your own expense you will have to pay up to 40-60 euros;
• risks covered by the policy;
• the number of travelers covered by free insurance;
• maximum trip duration.

Some companies offer free minimum insurance packages. If this does not include active recreation, the tourist will not be reimbursed for medical care after water skiing, diving, etc. If you are planning to spend time on the beach, it is worth considering an extended package of services.

Another important parameter is the maximum duration of the trip for which the policy is valid.

If the traveler exceeds the limit of days, medical care will have to be paid out of pocket.

Conclusion

A card with free insurance is convenient for those who travel a lot abroad on vacation or for work purposes. In most banks, the policy is valid for 1 year, the number of trips on it is not limited.

If you need to pay at least a couple of thousand rubles for ordinary insurance for a year, then servicing the card can be free when you reach a certain amount of spending per month or on your account.

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The more purchases, the faster you can purchase a gift ticket. To obtain a visa to most countries of the world, you need to purchase an insurance policy. Its cost depends on several parameters, the main of which are the duration of the trip, the type of activity and sum insured. For example, the cheapest policy for 30 days to travel in the US costs 2567 rubles. If a tourist plans to engage in active sports, then in this case, pay twice as much - 5135 rubles. The more trips, the higher the insurance costs.

A credit or debit card can help you avoid them. Basically, banks offer free annual policies when issuing preferred cards such as Gold or Platinum. Often this is written in the description of the bank's offer, but when you receive a card, no one reminds you of insurance. It must be issued separately at the bank office or through its Internet application. A passport is required to obtain.

Often the policy is a piece of paper printed on a printer. It protects the cardholder and sometimes his relatives in the amount of 50 to 150 US dollars. Insurance is accepted for visa processing. Be sure to take it with you on your trip. In some cases, the policy is valid only if the trip was paid for using the card on which the insurance was issued.

As a rule, the policy is not valid in countries with security problems. For example, where there are clashes, a state of emergency has been declared, or states are not recommended for visiting by the Russian Foreign Ministry. Before the trip, insurers recommend that you carefully study the list of insured events for which compensation is provided.

10 cheapest cards with free insurance

The ranking winner is credit card"Airbonus" from Avangard Bank. The holder of the plastic is issued an insurance policy of the company "Welfare". The insurance is valid up to 60 days for each trip abroad. It provides compensation for emergency medical care in the amount of up to 60 thousand euros, emergency dental care - up to 150 euros, accident insurance - up to 20 thousand euros, medical transportation - up to 30 thousand euros and lost luggage - up to 500 euros. The cost of annual maintenance of the card together with this protection is 1000 rubles.

In second place is the Moscow Industrial Bank with the Visa Classic Voyage card, which covers medical expenses for $50,000 at an annual service cost of 1,190 rubles. Only 10 rubles. service will cost more debit card from Novikombank, but maximum amount payments in case of an insured event can amount to 100 thousand dollars.

Some insurances have an unconditional deductible of $40-60. On the onset insured event this amount must be paid by yourself, and the rest is compensated by the insurance company

Closes the list of the most profitable cards"Map of the World" from VTB24 Bank. In addition to foreign trips, the insurance policy is also valid at a distance of at least 100 km from home in Russia. Card maintenance will be free if you spend more than 35 thousand rubles on it every month. per month.

The search for cards with a free insurance policy for travelers took place in the top 50 banks in Russia by assets (as of August 1, 2015), as well as among the top 15 banks that issued the largest number of credit cards as of April 1, 2015 (according to Frank research group). Card options were considered, the amount of coverage for which is equal to or exceeds 50 thousand dollars / euros. In the rating, the cards are sorted by the cost of annual maintenance. Other card benefits were not taken into account.

As a rule, information about free insurance is available on the bank's website, but the policy is not issued with the card - it must be requested additionally. For example, in Russian Standard Bank, in order to obtain a policy, you need to send a request by e-mail, and in Promsvyazbank you need to print the policy from the Internet bank or come to the office to pick it up.

The cheapest card with free insurance can be issued at Novikombank. Her service costs 1200 ₽ per year, and the policy covers medical expenses up to $100,000. In second place is “ Tinkoff bank»: the card costs 1890 ₽, and maximum payout - $ 5 0,000. In third place is a Promsvyazbank credit card for 1990 ₽, which comes with insurance for up to €50,000.

10 cards with free travel insurance

A travel policy can be used to obtain a visa, it allows you to apply for medical care Abroad. The insurance company compensates for the cost of treatment if an insured event occurs - their list is given in the insurance contract. The insurer can pay for a doctor's call, hospitalization, transportation, telephone, emergency evacuation and other services.

Travelers should be aware that insurers limit the number of insured days per trip to 30, 60 or 90 days. Therefore, if you are going to go to another country for a year, then you will need other insurance.

Some more banks offer to insure not only the cardholder, but also the spouse (s) along with the children. Check with your bank about this possibility before issuing a card.

How was the ranking made?

The search for cards with a free insurance policy for travelers was conducted on June 4, 2018 in the top 30 Russian banks by assets (as of May 1, 2018). We considered cards that provide free travel insurance. Other card benefits were not taken into account. In the rating, the proposals are ranked by the cost of annual maintenance. The source of information was Sravni.ru, official websites of banks and their call centers.