[TRAVEL INSURANCE] Best Credit Cards for Emergency Medical Insurance
Deciding on a good travel insurance package can sometimes be very time consuming (and expensive) depending on our travel needs, however, we often overlook the fact that we may already have a good travel insurance which comes attached with the credit cards in our wallet. In our previous post, I talked about credit cards with Trip Interruption and Trip Cancellation coverage. Today I will introduce credit cards which have Emergency Medical Insurance worth taking into consideration.
Emergency medical insurance includes anything from injury to hospitalization which occurs the duration of your trip. Other coverage includes medial expenses for hospital care, nursing care, ambulance assistance and prescription drugs.
Below we can find a list of travel insurance credit cards with a generous emergency medical coverage:
| Credit Card | Medical Insurance |
| National Bank World Elite MC | Up to $5,000,000 per person
54 and under: 60 days 55 to 64: 31 days 65 to 74: 15 days |
| Capital One Aspire Travel World Elite MC
|
Up to $500,000 per person
Included for having the card 65 and under: 22 days 65 and older: 8 days |
| Capital One IHG Rewards Club World MC
|
Up to $500,000 per person
Included for having the card 64 and under: 22 days 65 and older: 8 days |
| American Express Platinum Card
|
Up to $500,000 per person
65 and under: 15 consecutive days |
| American Express AeroplanPlus Reserve Card
|
Up to $500,000 per person
65 and under: 15 consecutive days |
| American Express Air Miles Reserve Card
|
Up to $100,000 per person
65 and under: 15 consecutive days |
| CIBC Aerogold Infinite Privilege Card
|
Up to $5,000,000 per person
64 or under: 31 days 65 or older: 10 days |
| CIBC Aventura Infinite Visa Card
|
Up to $5,000,000 per person
64 or under: 31 days 65 or older: 10 days |
| CIBC Aerogold Infinite Visa Card
|
Up to $5,000,000 per person
64 or under: 31 days 65 or older: 10 days |
| TD Aeroplan Visa Infinite Privilege Card
|
Up to $5,000,000 per person
64 and under: 22 days 65 and older: 4 days |
| TD First Class Travel Visa Infinite Card
|
Up to $1,000,000 per person
64 and under: 15 days 65 and older: 4 days |
| RBC Avion Visa Infinite Privilege Card
|
Up to $500,000 per person
64 and under: 31 days 65 and older: 7 days |
| RBC British Airways Visa Infinite Card
|
Up to $500,000 per person
64 and under: 31 days 65 and older: 7 days |
| WestJet RBC World Elite MC
|
Up to $500,000 per person
64 and under: 15 days 65 and older: 3 days |
| Scotiabank American Express Platinum Card
|
Up to $2,000,000 per person
64 and under: 31 days 65 and over: 10 days |
Credit cards such as the CIBC Aventura Infinite Visa Card, Scotiabank American Express Platinum Card and RBC Avion Visa Infinite Privilege Card offer medical coverage for up to 31 days if you are under the age of 65 while others only offer a minimal 15 days. If you like to plan long trips, then it may be more ideal to choose one of these cards. It is also important to note that the CIBC Aventure Infinite Visa Card offers insurance up to $5,000,000, while on the other hand, the RBC Avion Visa Infinite Privilege Card only offers insurance up to $500,000.
Consequently, you can see which cards offer a good coverage for emergency medical assistance. Most of them require the individual to be under the age of 65 in order to maximize the benefits of the aforementioned credit cards. Some require you to make a payment with the card, while others just require you to hold the credit card in hand. Ultimately, choosing the right card for you will be dependent on your travel needs.Credit cards such as the CIBC Aventura Infinite Visa Card, Scotiabank American Express Platinum Card and RBC Avion Visa Infinite Privilege Card offer medical coverage for up to 31 days if you are under the age of 65 while others only offer a minimal 15 days. If you like to plan long trips, then it may be more ideal to choose one of these cards. It is also important to note that the CIBC Aventure Infinite Visa Card offers insurance up to $5,000,000, while on the other hand, the RBC Avion Visa Infinite Privilege Card only offers insurance up to $500,000.