Does the Gold card reimburse a cruise in case of force majeure?

Hi, I was wondering if any of you have dealt with a death. Does the Gold card reimburse the full cost of the trip, please?

Hi Caty,

If you paid with the card, it might be possible, depending on the relationship to the deceased person. You should read the card’s insurance terms carefully. Condolences.

Michel

Hello Michel, I’m going through this experience myself; my condolences. Here’s my account from January 2025. My mother-in-law passed away on the morning of January 24 this year (doctor’s death certificate with time noted). This was important because we were supposed to board in Marseille on the 25th at noon. Since I’d paid with my Gold card, I contacted the number provided by the bank and discussed it with them: LET ME REASSURE YOU RIGHT AWAY. I WAS FULLY REIMBURSED, INCLUDING THE TRAIN TICKETS AND THE HOTEL FROM THE NIGHT BEFORE.... BUT I’m warning you upfront: it’s an obstacle course. The phone reception and vocal interaction were charming, but what’s less charming is that the insurance’s goal isn’t to reimburse you as soon as you’ve sent the requested copies of documents. Instead, they’ll delay the transfer for about 4 months—provided, like me, you arm yourself with patience or even extreme tenacity. Here’s a (non-exhaustive) list of the hurdles they’ll throw your way: - "Resend us the email with the documents; we had an IT glitch." - "Documents 8, 12, and 16 are missing" (false). - "The credit card statements don’t clearly mention the payments" (false). - "The supporting document proving the relationship between the deceased (born in Switzerland between the two wars) and her daughter is missing....)" - "The cruise order form doesn’t mention the mandatory tourist taxes" (false). And so on... ETC....... I’ll stop here because I’m convinced they’ll come up with even more creative excuses, all delivered very politely over the phone. BUT ABOVE ALL, DON’T GIVE UP.... Because from the start, they’ve acknowledged in writing the validity of your claim and their commitment. It’s just the same old song: "I’d love to help, and I’m doing what I can." Also worth noting: they withheld 70 or 80 € for tips paid in advance, visible on the invoice, on the grounds that since I didn’t go on the cruise, I hadn’t paid them! Except... I *had* paid them in advance! But after insisting with my agency, and the agency putting pressure on MSC, the company eventually reimbursed me—though it took a few more months. Kafka and Courteline aren’t dead! Best regards. Good luck with your own obstacle course. Francis

Of course, don't hesitate to come back if you need any clarification or a painkiller! 😊