Mastercard Black travel insurance it is a valuable benefit, but do you know exactly how it works?
Many travelers are unaware that they have the right to this complete protection at no additional cost.
In this guide, you will discover everything about insurance and how to activate it easily to travel with peace of mind.
How does travel insurance work with Mastercard Black?
Travel insurance Mastercard Black it is an exclusive benefit for users who buy tickets using the card.
To be eligible, it is essential to meet three basic conditions required by Mastercard.
Who can use the Mastercard Black travel insurance?
You need to have an active Mastercard Black card and make the purchase of the tickets with it.
The insurance applies to air, land (bus or train), and sea travel, as long as the means is authorized and has a defined itinerary.
In addition, you can issue flights with miles, as long as they are accumulated with your Mastercard Black card.
Is it mandatory to issue the insurance certificate?
Yes! The coverage is only valid if you issue the certificate through the official website of the partner insurance company, the AIG.
Upon issuance, the certificate is valid for 12 months for multiple trips, without the need to issue it for each individual trip.
Which people can I include in the policy?
You can include for free:
- Your spouse or partner with proven stable union;
- Dependent children up to 21 years;
- Children aged 22 to 23 who are attending university.
These individuals have the same rights and can travel regardless of the cardholder, as long as their tickets are also paid for with the Mastercard Black card.
How to issue the Mastercard Black travel insurance?
Issuing the Mastercard Black travel insurance is a quick and completely online process.
To ensure your coverage without issues, follow the step-by-step guide below:
- Access the official website of the insurance company AIG (Mastercard partner).
- Click on the "Travel Insurance" option and select "New Certificate".
- Fill in your personal information, including CPF or passport and valid email.
- Please provide the number of the Mastercard Black used to purchase the tickets.
- Include your spouse or children's details, if applicable.
- Confirm the information and generate the certificate, sending it to your email or printing it immediately.
After completing these steps, your insurance will be active and valid for 12 months for multiple trips.
Is it necessary to issue a new certificate for each trip?
No. The generated certificate is valid for one year, allowing for multiple trips during this period.
Just keep the document stored digitally and printed for any eventual need.
How to know if my card provides travel insurance?
Finding out if your Mastercard offers travel insurance is simple.
First, check if it is from the Platinum or Black variant, as only those automatically qualify for the benefit.
Additionally, contact the customer service center of your issuing bank directly or check the official Mastercard benefits guide on the AIG website.
Which Mastercard cards offer the benefit?
- Mastercard Platinum
- Mastercard Black
Gold, International, or Standard cards unfortunately do not have this free coverage.
How to confirm the right to the benefit?
Just visit the official Mastercard or AIG website and enter your card number to check eligibility.
Another quick option is to call the number on the back of your card and check directly with the issuer.
This way, you can quickly confirm if you can travel safely with this free insurance.
What are the main benefits of Mastercard Black?
The Mastercard Black offers exclusive benefits that go far beyond travel insurance.
Check out the main benefits that make this card one of the most sought after:
- VIP Lounges: unlimited access to LoungeKey VIP lounges, ensuring comfort in airports around the world.
- Concierge: exclusive service that helps you plan trips, book restaurants, and special events.
- Medical coverage: robust protection against accidents or illnesses during international or domestic travel.
- Baggage protection: compensation in case of loss, theft, or delay in baggage delivery.
- Trip cancellation: coverage in emergency situations that prevent your trip.
- Car rental protection: insurance against damage when renting vehicles abroad.
These advantages provide savings, comfort, and safety during your travels.
How many guests can I bring to the Mastercard Black VIP lounge?
With the Mastercard Black card, you have unlimited access to LoungeKey VIP lounges.
However, additional guests may incur extra charges.
Usually, you can bring guests by paying a fee per person, which varies depending on the room used.
Always check the conditions of the specific room before your visit.
Is the Mastercard Black travel insurance good?
The Mastercard Black travel insurance is recognized for the quality and extensive coverage offered to users.
The partnership with the globally renowned insurance company AIG ensures robust protection for various situations during your travels.
What is included in the insurance?
- Emergency medical and hospital assistance.
- Coverage for delay, loss, or theft of luggage.
- Travel cancellation or interruption protection.
- Medical transfer and early return to the country of origin.
- Emergency dental expenses.
- Coverage valid for both domestic and international travel.
Mastercard Black Insurance for Europe: is it worth it?
Yes, the Mastercard Black travel insurance fully meets the requirements of the Schengen Agreement.
Therefore, it is an excellent choice for those traveling to Europe, as it offers comprehensive and free coverage, meeting all necessary requirements.
How to activate Mastercard travel insurance?
To activate the Mastercard Black travel insurance, it's essential to follow a few simple steps:
- Buy the ticket using your Mastercard Black card.
- Issue the insurance certificate on the AIG Mastercard website.
- Keep the printed or digital certificate during the trip.
Without the prior issuance of the certificate, the insurance will not be valid even if other conditions are met.
Is it necessary to notify the bank before traveling?
It is not necessary to notify the bank; however, it is always recommended to issue and keep the certificate in advance.
In this way, if you need to activate the insurance, you will have all the necessary information for a quick response.
Does Mastercard travel insurance cover flight loss?
Yes, insurance provides protection in specific cases related to flight loss, such as significant delays or cancellations due to airline issues.
In these situations, you can request reimbursement for the additional costs incurred due to the unforeseen event.
What are the differences between Mastercard Black travel insurance and Visa Infinite?
The Mastercard Black travel insurance and the Visa Infinite are similar, but they have important differences:
- Duration of coverage:
- Mastercard Black offers up to 60 consecutive days of protection.
- Visa Infinite covers trips of up to 90 consecutive days.
- Insurance partners:
- Mastercard Black uses the insurer AIG.
- Visa Infinite generally uses AXA Assistance.
- VIP Lounges:
- Mastercard Black provides unlimited access via LoungeKey.
- Visa Infinite offers access through LoungeKey, but the conditions vary depending on the issuing bank.
Both are great options, but choosing the best one depends on your travel profile.
What is the best travel insurance: Visa Infinite or Mastercard Black?
If you are taking long trips (over 60 days), the Visa Infinite may be more advantageous due to the longer duration.
However, the Mastercard Black stands out for its simplicity in issuance, wide range of benefits, and ease of access to VIP lounges.
Is the Mastercard travel insurance really free?
Yes, the Mastercard Black travel insurance is completely free, as long as you meet the usage requirements.
Just pay for your tickets in full with the Mastercard Black card and issue the certificate through the AIG insurance company, at no additional cost.
Are there hidden costs?
There are no hidden additional costs in the Mastercard Black insurance.
All the planned coverages are offered for free, requiring only compliance with the conditions needed to activate the benefit.
Can I trust the free travel insurance of Mastercard Black?
Absolutely! The Mastercard Black insurance is provided by AIG, one of the most recognized companies in the international market.
The coverage is comprehensive, meeting the main needs of travelers, including international legal requirements such as the Schengen Treaty.
Who is entitled to the travel insurance of the Mastercard card?
The Mastercard Black travel insurance is available to all cardholders who meet these three basic conditions:
- Possess an active Mastercard Black card.
- Having purchased the ticket entirely with the card or with miles accumulated on it.
- Make sure to issue the travel insurance certificate on the official AIG Mastercard website before the trip.
Can I include family members in the travel insurance?
Yes! You can include for free:
- Your spouse or partner in a stable union (with proof).
- Dependent children up to 21 years old or up to 23 years old if they are attending university.
They will have the same coverage and can travel even without the cardholder, as long as their tickets are paid for with the cardholder's Mastercard Black.
Can I include my parents or friends in the insurance?
Not directly. Parents, friends, or other relatives can only be included if they have additional cards linked to your main card.
Each person must issue their own certificate with the additional card to ensure coverage.
Which cards offer free travel insurance?
In addition to Mastercard Black, there are other credit cards that offer free travel insurance:
- Mastercard Platinum: coverage for up to 31 consecutive days.
- Visa Infinite: coverage of up to 90 consecutive days.
- Visa Platinum: coverage similar to Mastercard Platinum, with 31 days.
- Elo Nanquim and Elo Diners Club: extensive coverage, with duration and benefits varying depending on the issuer.
- American Express The Platinum Card: premium and comprehensive travel insurance, especially for international trips.
These cards come with automatic benefits as long as they are used to purchase tickets.
Is it worth using the free travel insurance from credit cards?
Yes! As long as your trips meet the card's requirements, using the free travel insurance represents savings, security, and peace of mind.
If you need extra coverage or longer trips, it is recommended to supplement with private insurance.
Does the Mastercard travel insurance cover car rental?
The Mastercard Black offers coverage for car rental during international trips, ensuring protection against damage and theft.
This coverage is valid only if the rental is paid in full with the Mastercard Black card, without the need to purchase additional insurance offered by the rental company.
How to use the Mastercard Black car rental insurance?
- Pay your rent in full with your Mastercard Black card.
- Decline the additional insurance offered by the rental company (CDW/LDW).
- In case of damage or accident, contact the AIG insurance company immediately for support and guidance on reimbursement.
Do all Mastercard cards have rental car insurance?
No. Only Platinum and Black card variants offer this coverage, with Black being the most comprehensive in terms of protection.
Lower category cards (Gold, International) do not have this benefit.
Is it worth using the travel insurance from the Mastercard Black card?
Using the travel insurance from the Mastercard Black card is definitely worth it, especially for the savings and convenience.
It offers comprehensive protection at no additional cost, which prevents extra expenses on private insurance.
It is especially advantageous for those who travel frequently or need to meet international requirements, such as the Schengen Agreement.
When is it worth getting additional insurance?
Consider purchasing additional insurance only if your trip exceeds the 60 days covered by Mastercard Black.
It can also be recommended if you engage in extreme sports or need more extensive medical coverage.
In regular travels, the Mastercard Black insurance perfectly meets your needs.
What precautions should I take when using the free insurance from the card?
- Always issue and keep the insurance certificate in advance.
- Check if all the traveler data included is correct.
- Always have the contacts of the insurer AIG on hand during your trip.
By following these steps, you will enjoy your insurance with peace of mind and security.
Does the Mastercard Black travel insurance cover extreme sports?
The Mastercard Black travel insurance do not charge activities considered extreme sports or high-risk sports.
Among the excluded activities are:
- Skydiving
- Bungee Jump
- hang glider
- Skiing on snow
- Mountain climbing
If you plan to engage in these activities, it is recommended to purchase additional specific insurance.
Which sports are covered by the Mastercard Black insurance?
Common recreational activities, such as light hiking, sightseeing, and other activities considered low-risk are usually covered.
Any extreme or high-risk activity requires additional insurance specifically contracted for that purpose.
What to do if you want coverage for extreme sports?
To ensure complete protection during extreme sports activities, purchase specific travel insurance that covers sports.
Various insurers offer policies with special coverage for extreme sports.
How to request assistance from the Mastercard Black travel insurance?
To request assistance from the Mastercard Black travel insurance, follow the steps below:
- Immediate contact: Call the AIG insurance company's assistance center using the number provided on the insurance certificate.
- Describe your situation: Clearly state the problem, symptoms, or emergency faced.
- Please wait for instructions.The insurance company will indicate nearby hospitals, clinics, or services and will directly cover the expenses.
Is the service always direct or might I have to pay for something?
If you notify the insurance company in advance, the service is usually straightforward, with no need for payment at the time.
In emergencies without prior contact, you pay for the service and request reimbursement later by presenting invoices and medical receipts.
How does the refund work?
- Keep all original receipts and invoices for medical or emergency expenses.
- After the trip, send the documentation for analysis to the insurance company AIG.
- After analysis, the insurance company processes the reimbursement directly to your registered bank account.
This way, you'll have your expense reimbursed quickly, ensuring complete peace of mind during your trip.
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Conclusion
The Mastercard Black travel insurance offers complete and free protection, ideal for ensuring peace of mind during your trips.
By correctly following the steps to activate the insurance, you save time and money, as well as easily meet international requirements.
Now that you know how to take advantage of this benefit, enjoy your upcoming trips with more safety and convenience!
FAQ (Frequently Asked Questions)
- Is the Mastercard Black travel insurance free?
Yes, as long as the ticket is purchased with the Mastercard Black card. - How to issue the Mastercard Black travel insurance?
Through the official AIG Mastercard website, by filling in your details and issuing the certificate. - Can I include family members in the insurance?
Yes, spouse and dependent children up to 21 years old or 23 if they are students. - Does the insurance cover domestic trips?
Yes, as long as the trip exceeds 160 km from the holder's residence. - Does Mastercard Black cover flight loss?
Yes, it covers situations such as flight delays or cancellations. - What is the limit of coverage days?
Up to 60 consecutive days per trip. - Does the Mastercard Black insurance meet the requirements of the Schengen Treaty?
Yes, it meets all European requirements. - Which sports are not covered?
Extreme sports like skydiving and bungee jumping. - How do I know if my card offers insurance?
Check with your bank or the official Mastercard website. - Visa Infinite or Mastercard Black: which is better?
Both are great; choose according to your specific needs. - Do I need to issue a new certificate for each trip?
No, the certificate is valid for one year. - Does the insurance cover car rentals?
Yes, as long as I pay in full with Mastercard Black. - How many guests can enter the Mastercard Black VIP lounge?
Unlimited title; extra guests incur additional fees. - Can I activate the insurance after the emergency?
Yes, but you will need to pay in advance and request a refund later. - Which Mastercard cards offer free travel insurance?
Mastercard Platinum and Mastercard Black. - Who else can I include besides spouse and children?
Only family members with an additional card issued in their name. - Does the insurance cover dental expenses?
Yes, dental emergencies are included. - What is the insurance provider for Mastercard Black?
The partner insurance company is AIG. - Can I trust the free Mastercard Black insurance?
Yes, it is highly reliable and internationally recognized. - Do I need to notify the bank before traveling?
No, just issue and keep the insurance certificate.
