Travel insurance - Payment card

Good Morning, Just a quick question… i have Monzo premium with travel insurance.
Does the travel insurance cover me and my family if i use another card to pay for the trip, ie: my wifes credit card ?

I know cards like Amex only cover you if you use the card, so i want to check if this is not like that.


The travel insurance is a separate policy. Nothing to do with paying with Monzo card.


Also, I I’m pretty sure that’s not exactly case with amex, but it probably depends on what you’re claiming for.