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Emergency Medical & Dental Coverage | What is Covered by Your Travel Credit Card & is it Sufficient?



hi there it's Ernest from triple suit in this video we're going to explore the emergency medical and dental coverage benefit that's included on most travel credit cards and explain whether it's sufficient for most travelers last year I went on a tour with gee adventures to Southeast Asia and one of the requirements of the trip was to have proof of emergency medical insurance I initially thought my credit cards benefits would be sufficient but as I started to dig deeper I realized it was pretty confusing especially with all the restrictions to make a long story short I ended up buying a cheap travel insurance policy that met my tour's requirements but I wanted to share what I learned when digging deeper into the topic first I think it's important to acknowledge that medical and dental emergencies do happen when traveling especially if you're an active traveler so it's important to have the right coverage when visiting a new place most premium travel cards list an emergency medical and dental benefit as one of their travel perks for example on the Chase Sapphire reserve you can be reimbursed up to $2,500 for emergency dental and medical expenses if you become sick or injured during your trip the benefit also provides up to $75 per day at a hotel if you're recovering and is prescribed by a doctor the terms and conditions state that you have to be more than a hundred miles away from home on a trip that's between five to sixty days long and you had to have used your card for the travel purchase or redeem points from the card this sounds great and for some trips it might be all you need however here are some stipulations that you should keep in mind number one coverage is secondary the credit cards will only pay the benefit above and beyond any other insurance for example if your medical insurance covers you while traveling then your credit cards will only pay after your medical insurance is exhausted if you don't have medical insurance coverage while traveling then your credit cards benefits should kick in and should become primary number two coverage is limited to traditional medical services anything that is outside normal medical treatment is likely not covered by your credit card things like homeopathic or herbal treatments are generally not covered even if they might be widely accepted as medical treatment at your travel destination a good rule of thumb is that the surface must be provided by a doctor and in a hospital for it to be covered number three coverage excludes specific high-risk activities and destinations certain activities are explicitly excluded from the coverage including skydiving scuba diving hang gliding and rock climbing also countries deemed unsafe by the US government are excluded from the coverage to find out whether your country is on that list you'll want to check the State Department's travel site and enroll in the step program for more information see our video on the step program number for coverage only extends to spouses domestic partners and children if you're traveling with other extended family members or friends they won't be covered even if you paid for their travel on your card also children are only covered up to age 18 the only exception for extending coverage is if they are authorized users on your account if so the benefits will extend to them as well number five be aware of limited dental benefits keep in mind that certain dental situations might not be covered by the benefit for example an emergency tooth extraction would be covered but losing a filling or having a crown fall out it's not covered under the policy number six medical evacuation coverage is limited in the event that you need to be moved because of an injury or worse then you'll need to be evacuated most credit cards cover the evacuation to a major hospital but not necessarily the transport back to your country this is typically a requirement with booking a tool with a multi-day tour company like GE adventures or intrepid number seven call the issuer immediately if you encounter a medical emergency situation you need to contact issuer as soon as possible it might be worth getting confirmation but the requested medical service is going to be covered prior to getting the care but only if the situation is not critical or life-threatening so as you can see there are a lot of rules and exclusion to this benefit to be honest given what I know about the benefit I think you might be better off buying a cheap travel insurance policy before your trip that way you'll have better peace of mind knowing that you're covered in case of an emergency we'll do a separate video on travel insurance policies in the meantime though if you need to get one I recommend world nomads I've used them on many trips and been really happy with their service and prices I'll include a link in the video description have you ever used your credit cards emergency medical benefit if so please share your experience in the comment section below if you enjoyed this video or found it useful please hit the like button and consider subscribing also visit our website and subscribe to our newsletter for travel articles updates and contests until next time travel safe travel smart


Reader Comments

  1. Thank you so much. I have been wondering about the depth of coverage since I got my Reserve when they came out.

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