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Does my credit card travel insurance cover transfers in the Maldives?

Feb. 18, 2020
6 min read
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Editor's Note

</strong>This post was originally published on Feb 26, 2019.

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Editor's note: This post was originally published on Feb 26, 2019.

"Reader Questions" are answered twice a week by TPG Senior Points & Miles Contributor Ethan Steinberg.

No matter where you start your trip, getting to the Maldives requires stringing together a few different modes of transportation. After your flight lands in Malé (MLE), you'll need to take either a seaplane or speedboat to reach your final destination, depending on which hotel you've booked.

Ready to plan that bucket-list trip to the Maldives? Visit TPG’s Maldives destination hub for more stories about traveling to the region on points and miles, where to stay and what to do while you’re there.

TPG reader Jae wants to know if these hotel transfers are covered by his credit card's travel insurance ...

[pullquote source="TPG READER JAE"]If I book a hotel in the Maldives with my Chase Sapphire Reserve, will the travel insurance cover my seaplane/speedboat transfer even though I'm not booking it myself (the hotel books it and then charges me)?[/pullquote]

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First of all, Jae has the right idea using a Chase Sapphire Reserve here, as it offers one of the most comprehensive travel insurance packages of any travel rewards credit card. Since you usually won't earn hotel points on these transfers, you should instead opt for a card with a great travel bonus category and strong insurance benefits, and no card does that better than the Sapphire Reserve. The ultimate answer to this question will depend on a lot of variables, but there's one important thing to keep in mind: In order to submit a travel insurance claim with Chase, you'll need a bill or statement showing that you paid for the transfer from Malé.

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It doesn't matter that the hotel booked it and charged you, but you will need an itemized receipt showing the amount you paid for the transfer. When I stayed at the St. Regis Maldives, the cost of the seaplane transfer was included as a line item on my final bill, so make sure to hold on to that document. Without the hotel bill and corresponding credit card statement, even if your circumstances are covered by insurance, you'll have a lot of trouble submitting a claim. If you're worried about your outbound flight from Malé to the hotel, you could even reach out to your hotel to prepay your seaplane transfer cost a few days before you arrive. That way, you'll already be covered from the moment your trip starts, instead of paying the bill at checkout like most guests do.

Related: Where to stay in the Maldives using points and miles

Seaplane versus speedboat

Depending on how far your hotel is from Malé, you might be transferred in a seaplane or a speedboat. Seaplane rides are almost always operated by Trans Maldivian Airways, while speedboats are often private transfers operated by the hotels. This is important because credit card travel protection typically only applies to travel operated by a "common carrier" (a licensed organization operating regularly scheduled transportation). Trans Maldivian Airways, the world's largest seaplane operator, should absolutely meet this definition.

If your hotel uses speedboat transfers instead, it might get trickier. You may want to reach out to the property before you book to ask who operates the speedboats so you can determine if the company is (or is not) a common carrier. When in doubt, you can always call Chase and speak to a benefits administrator for more clarification, though a phone call can't guarantee that you'd be covered.

Related: Your ultimate guide to hotel and resort transfer fees in the Maldives

Trip delay versus trip cancellation insurance

The list of Sapphire Reserve protections stretches on for a long time, but there are two that are likely to be relevant here: Trip Delay Reimbursement and Trip Cancellation / Trip Interruption Insurance.

Many of the flights operated by Trans Maldivian Airways on behalf of nearby hotels aren't regularly scheduled flights — the hotel organizes them on a case-by-case basis based on the number of guests they have arriving and departing. We weren't told of our seaplane departure time until we landed in Malé and were never given any documentation listing a scheduled departure time. As such, proving a trip delay case might be very difficult. If you find yourself delayed on Malé for more than six hours after your scheduled departure (the time at which trip delay coverage on the Sapphire Reserve kicks in), and you incur expenses for which you'd like to seek reimbursement, you should work with your hotel as soon as possible to provide documentation of the delay.

The same applies for trip cancellation/interruption insurance, and you'll need to coordinate with your hotel and the transfer-operator to produce the necessary documentation. I would strongly suggest digging through the fine print of your insurance benefits to see a list of what documents you might be asked to submit with your claim.

Related: What you should know about trip cancellation and interruption protection offered by select credit cards

There is one other important exclusion that applies to trip interruption coverage: it only applies to prepaid travel arrangements. Here's how Chase defines reimbursable expenses under this benefit:

"The forfeited, non-refundable pre-paid land, air and/or sea transportation arrangements that were missed."

This means if your stay in the Maldives was booked using hotel points or a cash rate that wasn't prepaid, you likely won't be covered.

Bottom line

For many people, the Maldives is a once-in-a-lifetime, bucket list trip. It would be very unfortunate to get all the way to Malé only to find out that extreme circumstances are going to stop (or delay) you from officially starting your vacation. Before a trip like this, you should study the terms and conditions of your insurance benefits, especially in terms of what documents are needed to file a claim. Trans Maldivian Airways is a unique case in that it meets Chase's definition of a common carrier, but most passengers aren't provided written information about their flights.

Thanks for the question, Jae, and if you’re a TPG reader who’d like us to answer a question of your own, tweet us at @thepointsguy, message us on Facebook or email us at info@thepointsguy.com.

Featured image by Fixed value cards like the Venture Rewards card are great for erasing travel expenses like seaplane transfers in the Maldives (Photo by EyesWideOpen/Getty Images)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
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10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
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The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

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  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023