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Emergency medical travel insurance?
August 16, 2020
10:46 am
dommm
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I presently have a CIBC Gold Visa that I pay $120 per year for. It has done me well through the years & I have no complaints. It adds 1 yr of extra warranty on purchases (I have used it twice) & car rental insurance & 31 days of out of province emergency medical travel insurance for both my wife & myself. The insurance alone pays for most of the cost of the card since we are snowbirds & use the card for the first 31 days of insurance before having to pay a penny to a travel insurance company. Unfortunately for me the travel insurance coverage is only for those under the age of 65 & I will soon be reaching that not so enviable number. Once I get there the travel coverage stops for both my wife & myself.

Can anyone give me recommendations on CC's that I might be interested in? Thanks

August 16, 2020
10:56 am
GICinvestor
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Check out:
Amex Simply Cash (Cash Back) - no fee
Rogers World Elite Cash Back - no fee version
Home Trust Visa - no forex fee.

They all have other features/offerings. Like front of the line, road services etc.

August 16, 2020
11:52 am
Norman1
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The Home Trust Preferred Visa has no extended warranty and no emergency medical travel insurance.

The Rogers World Elite Mastercard has emergency medical travel insurance, up to age 75. But, the coverage is not much for those age 65 to 75:

The inclusive Out-of-Province/Out-of-Country Emergency Medical benefit of this certificate of insurance is available only if you are age 75 or under. This age restriction applies to the primary cardholder, primary cardholder’s spouse, primary cardholder’s dependent children and authorized user.

Out-of-Province/Out-of-Country Emergency Medical coverage is provided for the first 10 days of a trip if you are 64 years of age and under, or for the first 3 days of a trip if you are 65 years of age up to and including 75 years of age.

The travel insurance on the American Express SimplyCash card is only for accidental death and dismemberment.

August 16, 2020
1:16 pm
Loonie
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Some of the cards offered by Collabria through the credit unions give coverage to age 75. I'm pretty sure it is full coverage but of course will be time-limited.
I am only informing you that it exists, not recommending it. I've never had one of these cards. Personally, I would never rely on CC travel health insurance.

August 16, 2020
1:34 pm
AltaRed
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Nor would I ever rely on CC travel health insurance. The fine print may limit it to between 5-10pm on a full moon. There is simply no way they can backstop any meaningful health insurance.

August 16, 2020
1:42 pm
Loonie
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I agree with AltaRed. You may not always get what you pay for, but in this case you won't get what you don't pay for.

August 28, 2020
8:36 am
seh
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Loonie said
I agree with AltaRed. You may not always get what you pay for, but in this case you won't get what you don't pay for.  

Probably true, though I had no problem collecting on my CC trip interruption claim, possibly because they could find no loophole/small print to challenge it on (death in the family). Another supplementary insurer for the same claim started down the road of asking for the deceased's medical records, likely looking for a way to avoid paying. In the end they backed down and paid.

My general take on all travel insurance, is to assume they will look for some way to deny your claim. Then be prepared to fight.

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