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## Planning for a European Adventure in July

Hello fellow travel enthusiasts,

I hope this message finds you well. I understand that this topic may have been discussed extensively on this subreddit, but I would appreciate any advice you can offer me.

I am excited about my upcoming trip to Europe in July, planning to spend about a month exploring various countries. As I start to research travel insurance policies, I find myself overwhelmed with the options available.

Typically, I would opt for a CoverMore policy without much thought. However, this time I want to make sure I am making the most cost-effective decision. As a 30-year-old individual, I usually prefer paying for expenses upfront or using my Latitude card for larger purchases.

Upon browsing through this subreddit, I have come across suggestions to use a Commbank Ultimate Awards or an ANZ Black credit card for their inclusive travel insurance benefits. While these options seem appealing, the annual fees associated with them make me hesitant.

I would greatly appreciate any insights or recommendations on how I can optimize costs for my upcoming trip. Your advice and experiences would be invaluable to me as I plan for this adventure.

Thank you for your time and assistance!

## How AI Legalese Decoder Can Help

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Additionally, AI Legalese Decoder can provide you with comparisons of various policies, highlighting key differences in coverage, benefits, and costs. This way, you can identify the best option that suits your budget and travel requirements, ensuring you have the necessary protection during your European adventure without overspending on unnecessary fees.

Overall, AI Legalese Decoder can simplify the process of selecting a travel insurance policy, saving you time and effort while ensuring that you have comprehensive coverage for your trip.

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View Reference


  • ForumUser013

    Bankwest Zero Platinum Mastercard is a good travel card, if you qualify. No annual fee, and no overseas transaction fees, and it comes with travel insurance. No points scheme though.

    The Insurance is not bad – a few differences to a Covermore type policy, but generally covers standards things well. Make sure you read the PDS though.

  • Linwechan

    You can always cancel the card after the trip, the first year is usually free. My ANZ card had slightly better than the Latitude covered but since I cancelled the latitude after the data breach, I no longer have that option. 

    Overall CC travel insurance is a no brainer… haven’t bought sep insurance in over a decade. It’s safer to pay for bigger travel expenses on cc as well as it affords you some extra protections if something goes awol…

  • Similar_Strawberry16

    Eh, the lower fee credit cards tend to still have free travel insurance.

    You can work it out, but if you use a credit card often enough the fees should be offset by any points/credit back, and then any other fringe benefits are a cost free bonus.

    My old fairly low fee CommBank credit card got I think up to 3 months consecutive free travel insurance. My current is unlimited free travel insurance.

  • Diver999

    ANZ Platinums card. The annual fee of $87 is waived if you spend over $20k per year.

  • Wow_youre_tall

    Standalone travel insurance is far cheaper than the annual fees.

    It’s a benefit if you are a card churner, it’s not a specific reason to get it.