CTI Verdict
PassportCard does something genuinely different from most travel insurers – rather than waiting to be reimbursed after a claim, approved claim payments are loaded directly onto a prepaid debit card in real time, so you’re not out of pocket while you’re still travelling. It’s particularly useful for medical expenses, stolen cash or delayed luggage. The plans offer solid coverage including unlimited overseas medical, though both cancellation and disruption limits are customer-selected rather than fixed, so it’s worth taking time to set these at the right level when buying.
