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Canadian Travel Insurance - Claiming Through Insurance Company AND Credit Card?

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This is specifically a question to see if anyone knows whether in Canada, we can claim a cancellation or interruption through both a purchased insurance policy from someone like Manulife, AND then any residual through the Credit Card, which in this case is a TD Infinite Privilege Visa?


Why we are asking this is that when we have 2+ trips in a year, it is significantly cheaper to purchase cancellation / interruption insurance on an annual plan.  Our challenge is that we are hedging our bets here because most of the annual plans available to us only pay max $5,000.00 CDN per person.  Our trips are often significantly higher or even double that per person.


We recently just got a new Credit Card that offers $2,500.00 per person and in the process of applying, we asked our banking person, if we can do this and her response was that we MUST submit the cancel/interruption claim to the Credit Card FIRST, and then anything they don't pay to the insurance company after.


She said that if we submit to the insurance company first, the credit card will not accept a claim for the residual amount.


Anyone know anything about this?


Our first experience with cancelling was just a month ago where we had to cancel a complete trip for a covered reason and it was a smooth experience, but the one policy covered the entire amount paid out.

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