The four advantages of your card insurance that you did not know you had

Credit and debit cards usually have insurance associated with them that many customers do not know they have. This can save you from many complicated situations and it is therefore essential to know what it covers. In the case of ABANCA credit cards, they can help you with assistance, cancellations and cancellations in trips or fraudulent purchases.

The best known advantage is the card loss or theft coverage. In this case it is important to know that it covers all the charges that are made in the event that it falls into the wrong hands. The period of validity will cover from when its misuse occurs until the holder presents the complaint to the bank so that it can be canceled. This period should not exceed 30 days. Just in case you can turn off your card and, if you find it, turn it on again.

If you are unlucky enough to have an accident, check the contract and the insurance coverage of your credit and debit cards. It is important, first of all, to always have and keep all possible documentation (proof of payment, copies of tickets, complaints to the Police or the Civil Guard …) because this will make it easier to reach an agreement.

If you are unlucky enough to suffer an accident, check the contract and the insurance coverage of your credit and debit cards

If you have an accident in public transport and you have paid for the ticket using the card, or if you have paid it to someone else, it also covers you. Likewise, there are different coverages in the event of death, absolute or partial permanent disability. So it is best to check the details in your contract or in the information you will find in the web of ABANCA.

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Travel assistance

You also need to pay for the transport ticket with your credit card to enjoy the following coverages:

  • Medical expenses and transfers, hospitalization …
  • Delays, cancellation, loss of connection, overbooking …
  • Theft and damage to luggage
  • Civil liability abroad, legal information service …

In addition, ABANCA advises that, if you are interested in this type of policy, you also inform yourself about a traditional travel insurance. It may be more complete and useful for your case, especially if you travel to countries outside the European Union. Remember that these insurances do not always cover all the unforeseen events that may arise.

Fraudulent use of your card

If you withdraw money from an ATM and it is stolen or if you are forced, with violence, to withdraw money or provide your PIN, in ABANCA you are also covered. Check your contract, since in most cases your card insurance covers the amount withdrawn up to one hour after the operation. If, instead of money, the purchases you have made with your card have been stolen, the insurance will be valid for the three months following the purchase.

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