Travel Stack Exchange is a question and answer site for road warriors and seasoned travelers. It only takes a minute to sign up.
Sign up to join this community
Many credit cards offer free travel insurance when you purchase tickets using your credit card, and this will last for 40 days starting from the commencement of your trip.
But what if I purchase further flights and extend my holiday? e.g. I purchase a flight on the 39th day. Does this extend my travel insurance coverage or start a new insurance policy?
What if I purchase flights on day 41? Does this start a new Insurance policy as if it were a new trip?
Typically -- although this may vary by CC type/issuer -- new coverage can not begin until after you have ended the first trip by returning home.
So if you book a trip and then extend that trip past the 40 days limit without returning home the CC travel insurance will expire at 40 days. The fact that you purchased additional flights does not enter into it.
However, if you book one trip for, say, 30 days, return home and then book another trip about 10 days after getting back, that second trip will be covered as a separate trip with its own 40 day period of coverage.
Unless there is specific language in the insurance terms that come with you CC (which you should read carefully from start to finish) this is the most likely situation. You could also contact the issuer of your CC for details on the policy.
