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Some cards also provide the added benefit of insurance.Upon the occurrence of an event covered by the insurance, it may partially reimburse you for eligible travel expenses, or loss or damage to car rentals or qualifying purchases.Some insurances require purchases, auto rentals, common carrier fares and other trip costs to be charged to your credit card to activate coverage (other conditions may also apply).Credit card insurance may be supplementary to other home, auto or medical coverage you may already have (meaning all other sources of insurance, recovery or indemnity must be exhausted before credit card insurance pays any benefits to you).

Premier Worldwide Travel Insurance is provided by Aviva Insurance Limited. Please note: holidays in the UK, Channel Islands and Isle of Man will only be covered if they include two or more consecutive nights stay in pre-booked holiday accommodation.Please refer to the insurance policy for terms and conditions and other specific details.Big game hunting, motorcycling, riding or driving in any kind of race, professional sporting games, aerial activities other than parachuting and air travel (other than as a passenger in a properly licensed power-driven aircraft).Immediate notice shall be given to the Company of any occurrence likely to give rise to a claim under the Policy upon the Insured Person's return to Hong Kong.Written proof of loss including all original invoices, receipts, information and evidence together with a completed Claim Form shall be submitted within 30 days after the date of such loss.

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