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I have used the credit card travel insurance without any issues. You need to check the Ts & Cs carefully - you may find that the insurance only covers those parts of the trip which were actually bought on the card. If everything is being charged to one credit card account, you should be OK, but if you are booking some flights with Frequent Flyer points for example, that flight leg may not be covered.
If in any doubt, single-trip travel insurance is pretty cheap, and buys a lot of peace-of-mind.
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