Does my credit card insurance cover me?

Usually, credit card insurance is limited to trip delays or lost luggage. Most do not offer robust emergency medical coverage; always read the 'Guide to Benefits' document.

What is a 'pre-existing condition'?

Any injury, illness, or medical condition you were treated for or took medication for in the 60 to 180 days before buying the insurance policy.

How do I make a claim?

Always call the insurer's 24/7 assistance line before undergoing non-emergency procedures. They can often arrange direct payment to the hospital so you don't have to pay out-of-pocket.

Choosing the Right Medical Coverage for International Travel

Prioritize a policy with at least $100,000 in emergency medical coverage and $250,000 for medical evacuation. Ensure the plan includes 'primary' coverage, meaning it pays out before your domestic health insurance, to avoid out-of-pocket costs and complex claims.

Check your domestic policy. Call your current health insurance provider to confirm if you have any international coverage. Most US-based plans, including Medicare, offer zero coverage outside the country.
Set your coverage minimums. Aim for a minimum of $100,000 in medical coverage. If you are traveling to countries with high healthcare costs (like the US, Switzerland, or Japan), consider increasing this to $250,000.
Prioritize Medical Evacuation. Verify the policy includes 'Medical Evacuation' or 'Repatriation of Remains' coverage of at least $250,000. This pays to transport you to a better hospital or back home if local facilities cannot treat your injury.
Review exclusions. Check the fine print for 'adventure sport' exclusions if you plan to ski, scuba dive, or mountain bike. If you have chronic conditions, ensure the policy offers an 'Existing Medical Condition Exclusion Waiver' purchased within 14-21 days of your initial trip deposit.
Verify 'Primary' status. Choose a primary insurance policy rather than secondary. Secondary policies require you to file a claim with your domestic health insurance provider first, which can take months and often results in denials.

Does my credit card insurance cover me?: Usually, credit card insurance is limited to trip delays or lost luggage. Most do not offer robust emergency medical coverage; always read the 'Guide to Benefits' document.
What is a 'pre-existing condition'?: Any injury, illness, or medical condition you were treated for or took medication for in the 60 to 180 days before buying the insurance policy.
How do I make a claim?: Always call the insurer's 24/7 assistance line before undergoing non-emergency procedures. They can often arrange direct payment to the hospital so you don't have to pay out-of-pocket.