{"id":183253,"date":"2021-12-12T22:31:00","date_gmt":"2021-12-13T03:31:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/medical-emergency-credit-card-insurance\/"},"modified":"2024-05-31T14:17:08","modified_gmt":"2024-05-31T18:17:08","slug":"medical-emergency-credit-card-insurance","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/medical-emergency-credit-card-insurance\/","title":{"rendered":"How does credit cards emergency medical insurance work?"},"content":{"rendered":"

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The subtleties differ from one credit card<\/strong> to another. Indeed, they are not all equivalent.<\/p>\n

The number of days covered, the maximum age and the eligible amounts vary from policy to policy.<\/p>\n

[\/vc_column_text][vc_message]You will need to make sure you have the right coverage for your situation<\/strong>! Read your contract carefully and contact your company before you leave.[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=”what_you_need_to_know” text=”What you need to know” google_fonts=””][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=”the_amount_of_coverage” text=”The amount of coverage” font_container=”tag:h3|text_align:left” google_fonts=””][vc_column_text el_class=”checkmarks”]<\/p>\n

Most credit cards<\/strong> will provide EMC<\/strong> coverage up to $5,000,000 per person for the duration of the trip. This amount is generally for all conditions except exclusions.<\/p>\n

In addition, in this time of pandemic, some credit card insurances<\/strong> offer protection against hospitalization due to COVID-19<\/strong>.<\/p>\n

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As for oral care<\/strong>, the work is covered only between $500 and $3,000<\/strong> depending on the nature of the accident. Also, most contracts reject claims for root canal treatments.<\/p>\n

Indeed, extensive cavities do not appear overnight, but the pain does! If you submit a claim for a toothache, it would most likely be denied<\/strong> if the tooth could have been repaired before you left.<\/p>\n

Finally, dental problems and fractures that result from lack of care<\/strong>, neglect<\/strong> or poor hygiene<\/strong> will not be covered either.<\/p>\n

[\/vc_column_text][vc_single_image image=”181485″ img_size=”large” add_caption=”yes” alignment=”center” style=”vc_box_rounded”][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=”covered_individuals” text=”Covered individuals” font_container=”tag:h3|text_align:left” google_fonts=””][vc_column_text el_class=”checkmarks”]<\/p>\n

In most cases, to benefit from emergency medical care insurance<\/strong>, you only need to be a credit card<\/strong> holder. For the others, expenses (partial or full) must be charged on them.<\/p>\n

Your spouse and children travelling with you<\/strong> will also be covered. However, if the spouse is travelling alone, he or she is protected only when registered as an authorized user<\/strong> on the credit card.<\/p>\n

[\/vc_column_text][vc_column_text el_class=”checkmarks”]The definition of a dependent child<\/strong> differs from company to company. For example, the baby must be at least 30 days old with the National Bank’s World Elite Mastercard®<\/sup><\/a>, while with the Desjardins Odyssey World Elite Mastercard<\/a>, the requirement says 15 days old.[\/vc_column_text]

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Then, here are examples of the variations in coverage for a baby born abroad<\/strong>:<\/p>\n