Approved or Not? Auto
Approved or Not? Trip Can
Approved or Not? Trip Delay
Approved or Not? Baggage Delay
Approved or Not? Lost Luggage
100
A cardholder rents a vehicle from October 22, 2025, to November 23, 2025, and damages it in an accident. The front bumper has scratches, and the windshield is damaged.
❌ Rental periods exceeding 31 consecutive days are not covered.
100
The traveler cancels a trip because they forgot to renew their passport.
❌ Failure to obtain required travel documents is specifically excluded.
100
A flight is delayed 3 hours due to staffing shortages
❌ The delay did not exceed 6 hours, and staffing shortages are not listed as covered reasons.
100
The traveler buys a new smartwatch and designer jewelry during a baggage delay.
❌ Jewelry, watches, and electronic equipment are excluded from Baggage Delay coverage.
100
CM boarded a train with his carry-on bag. A 6-ft-tall person stood close to him. Just as the doors were about to close, that person grabbed CM's bag and ran off. CM called the cops immediately and told the train company all about it!
✅ Covered carry-on baggage stolen while under the Common Carrier's trip coverage period may qualify for reimbursement
200
A cardholder rents a vehicle in Iowa and purchases the rental and collision damage waiver on a covered card. Are we primary or secondary?
❌ Doesn't matter; he's denied either way, HA! He accepted CDW inside USA.
200
Two weeks before departure, the insured traveler is hospitalized with pneumonia and their physician advises them not to travel. The trip was prepaid and non-refundable.
Approved. Cancellation due to illness verified by a physician is a covered reason. Non-refundable prepaid travel expenses may be reimbursed.
200
A flight is delayed by 10 hours due to severe weather. The traveler purchases meals and a hotel room while waiting for the next available flight.
✅ Trip Delay applies when a common carrier delay exceeds 6 hours or requires an overnight stay due to inclement weather. Meals and lodging are covered as reasonable expenses.
200
A traveler's suitcase is delayed for 4 hours.
❌ Coverage begins only after a delay of more than 6 hours
200
An airline permanently loses a checked suitcase. The suitcase contained clothing and personal items worth $1,800. The airline reimburses $700.
✅ Lost luggage benefits may reimburse the difference between the actual cash value and the carrier's reimbursement, up to policy limits
300
A cardholder rents a sedan for 7 days in California, pays the entire rental cost with their covered card, declines the rental company's CDW, stating "I already have insurance from Geico." CM is later involved in a collision. The rental company charges $8,500 for repairs and $600 in loss-of-use fees.
Approved, up to CM's deductible from Geico.
300
The traveler decides to cancel because airfare prices dropped and they want to rebook a cheaper trip!
❌ A change in plans or financial circumstances is not a covered reason. Also, we don't cover new airfare.
300
The aircraft's landing gear failure grounds an aircraft overnight. The traveler incurs hotel, meal, and medication expenses totaling $325.
✅ Equipment failure is a covered reason, and reasonable expenses are covered up to $500 per traveler per trip
300
A traveler's checked baggage arrives 18 hours after they reach their destination. They purchase toiletries, a change of clothing, and a phone charger.
✅ Checked baggage delayed more than 6 hours qualifies for reimbursement of essential personal items.
300
A traveler leaves their laptop bag in the overhead bin and exits the aircraft. They later realized it was left behind, so he ran back to the terminal, and the air hostess stated CM could not board the flight again.
❌ Items inadvertently left behind on a Common Carrier are not considered lost or stolen under the policy.
400
Rental vehicle stolen after renter left keys in the ignition unattended
Denied
400
While on vacation, the traveler's residence is severely damaged by a fire. The traveler cuts the trip short and returns home.
Approved. A primary residence becoming uninhabitable due to fire is a covered Trip Interruption reason.
400
A traveler arrives in Europe and their checked luggage is delayed for 3 days. They purchase clothing and toiletries, and an Apple Watch totaling $750.
✅ Partially approved: essential personal items purchased during a baggage delay are covered, subject to daily limits.
400
CM checked in a bag with the Airline containing $2,000 cash gifts for his family back home. The airline said that the bag is lost.
❌ Cash, checks, traveler's checks, tickets, and other negotiable instruments are excluded property
500
Trip Cancellation due to COVID concerns but no illness or travel restriction
Denied