Does the PenFed Gold Visa cover it?
PenFed Credit Union lists 2 of the 11 protections we track with terms: travel accident (up to $100,000) and cell phone protection (up to $500 per claim, $50 deductible). Not listed on the sources we checked: trip cancellation, trip delay, baggage delay, lost or damaged bags, rental car damage, emergency evacuation & medical, purchase protection, extended warranty and return protection. No medical-expense cover is listed.
What the issuer lists
Trip cancellation & interruption Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Trip delay Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Baggage delay Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Lost or damaged baggage Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Rental car collision damage (CDW) Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Travel accident insurance Listed with terms
Travel Accident Insurance: principal sum $100,000 (accidental death and dismemberment only) when you buy the travel ticket with the card.
Emergency evacuation & medical Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Cell phone protection Listed with terms
Cellular Telephone Protection: up to $500 per claim, less a $50 deductible, with a maximum of 2 claims and $1000 per 12 month period, when you pay the monthly cell phone bill with the card. Coverage begins the first day of the calendar month after the payment. Pays after other insurance.
Purchase protection (damage & theft) Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Extended warranty Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Return protection Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Before you rely on this: benefits only apply when you pay the way the terms require (often the full purchase, fare, rental or phone bill on the card), they have exclusions, claim deadlines and documentation rules, and they can change. Your card’s Guide to Benefits is the final word. Not insurance advice.
What this card doesn’t list
Protections the PenFed Gold Visa sources we checked say are not included, or don’t mention. Not listed doesn’t mean not covered: check your Guide to Benefits. For trips, a standalone travel insurance policy is one way people fill gaps like these; whether that is worth it depends on your trip.
- Trip cancellation & interruption: not listed on the issuer source we checked.
- Trip delay: not listed on the issuer source we checked.
- Baggage delay: not listed on the issuer source we checked.
- Lost or damaged baggage: not listed on the issuer source we checked.
- Rental car collision damage (CDW): not listed on the issuer source we checked.
- Emergency evacuation & medical: not listed on the issuer source we checked.
- Purchase protection (damage & theft): not listed on the issuer source we checked.
- Extended warranty: not listed on the issuer source we checked.
- Return protection: not listed on the issuer source we checked.
- Medical treatment costs abroad: no medical-expense coverage is listed for this card.
Quick answers
Does the PenFed Gold Visa have cell phone protection?
PenFed Credit Union lists cell phone protection for this card. Cellular Telephone Protection: up to $500 per claim, less a $50 deductible, with a maximum of 2 claims and $1000 per 12 month period, when you pay the monthly cell phone bill with the card. Coverage begins the first day of the calendar month after the payment. Pays after other insurance. Check your Guide to Benefits.
Does the PenFed Gold Visa have purchase protection?
Purchase protection (damage & theft) is not listed on the PenFed Credit Union sources we checked for this card. Not listed doesn’t mean not covered. Check your Guide to Benefits.
Does the PenFed Gold Visa include travel insurance?
The PenFed Credit Union sources we checked list travel accident for this card; see each protection above for its terms. No medical-expense coverage abroad is listed. Check your Guide to Benefits.
Do I have to pay with the PenFed Gold Visa?
The sources we checked tie these protections to how you pay. Cell phone protection: Cellular Telephone Protection: up to $500 per claim, less a $50 deductible, with a maximum of 2 claims and $1000 per 12 month period, when you pay the monthly cell phone bill with the card. Check your Guide to Benefits.
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