My AA Barclays Mastercard still covered my Collision insurance while in SXM this last May/June but not the Citi Bank card. I call every year to verify that. Barclays also along with my AA Citi Bank card have no foreign transaction fees. Might want to look into that your cards do too.
I contacted them earlier and they said they didn't. I will check again and see if that is the case. I hope so. That would be great.