Which Credit Card Companies Cover Medical Bills Out Of Country?

Credit card companies offer travel and medical insurance to help you recover your money when mishaps happen on vacation. When out of the country, medical insurance remains a debate as to whether it is needed.

Numerous credit card companies, including medical insurance, insurance for unforeseen circumstances, travel, and rental car loss and damage insurance, provide various types of insurance. So is medical insurance needed while traveling? Perhaps it is safer.

What Does The Credit Card Companies Travel Insurance Cover?

The various coverage offered via your credit card to help safeguard your trip are as follow:

• Delay in baggage. Reimbursement to minimize expenses may be received in case of luggage does not arrive at the airport. The duration of the delay and money offered differs for every card.
  
• Damaged or lost luggage. You may be provided monetary compensation for stolen, lost, or damaged luggage.
  
• Delay in your trip. Monetary compensation up to a specific amount may be given per ticket to cover costs for meals, transport, and hotel expenses in case of a trip delay.
  
• Trip termination. Compensation may be given to offset lost funds if a prepaid or non-refundable trip needs to be canceled. 
  
• Trip interference. If you miss out on part of your trip owing to a genuine reason, your money will be reimbursed for the unused paid reservations made.
  
• Medical expenses. Medical costs will be covered up to a certain amount of medical treatment required during travel.
  
• Deportation is based on medical reasons. Medical insurance through your card will cover the expenses if you are required to return home due to an injury or illness immediately.
  
• Accident insurance while traveling. Coverage for you or your beneficiary may be provided in case of a serious injury such as a fracture or an accidental death.
  
• Car insurance for rentals. Protection against damage or theft for your rental car is provided. Depending on the card being used, the coverage may come first or second to your car insurance. 

Which Rewards Cards Offer Travel Insurance?

Various forms of travel insurance are included in the most popular rewards cards. Below are some of the most sought-after cards offering different coverage types. It’s good to check your card’s benefits if you own various travel rewards cards.

Chase Sapphire Reserve®

• Trip cancellation: About $10,000 per person and $20,000 for every trip. Maximum reward of $40,000 each year.
  
• Trip interruption: About $10,000 for every individual and $20,000 for each trip. Maximum reward of $40,000 every year.
  
• Trip delay: $500 for every ticket for a delay exceeding six hours.
  
• Baggage delay: $100 for a day till five days.
  
• Lost luggage: About $3,000 per individual.
  
• Travel accident: About $1,000,000 is given for coverage.
  
• Rented car insurance: Around $75,000

Chase Sapphire Preferred® Card

• Trip cancellation: About $5,000 for each individual and $10,000 for every trip. Maximum rewards of $20,000 every year.
  
• Trip interruption: About $5,000 per head and $10,000 for each trip. Maximum reward of $20,000 annually.
  
• Trip delay: Around $500 for one ticket for a delay exceeding 12 hours.
  
• Baggage delay: About $100 every day for five days.
  
• Lost luggage: Approximately $3,000 per traveler.
  
• Travel accidents: About $500,000.
  
• Rented car insurance: Matching the actual cash value of the car.

Marriott Bonvoy Brilliant™ – an American Express® Card

• Lost luggage: Receive up to $2,000 for a checked bag and about $3,000 for a checked trolley bag.
  
• Travel accident insurance covers about $500,000.
  
• Rented car insurance: About $75,000.

Marriott Bonvoy Boundless® Credit Card

• Baggage delay: About $100 per day till five days.
  
• Lost luggage: Around $3,000 for each passenger.
  
• Trip delay: About $500 for every ticket for delays exceeding 12 hours.

Southwest Rapid Rewards® Plus Credit Card

• Baggage delay: $100 per day is given for three days.
  
• Lost luggage: About $3,000 per traveler.
  
• Accident insurance: About $250,000 – $500,000 
  
• Insurance for rented car: Actual cash value of the automobile.

United℠ Explorer Card

• Trip cancellation: About $1,500 per head and $6,000 for every trip.
  
• Trip interruption: Around $1,500 for every individual and $6,000 each trip.
  
• Trip delay: $500 for each ticket for a delay exceeding12 hours.
  
• Baggage delay: $100 each day for three days.
  
• Lost luggage: Around $3,000 is given to every passenger.
  
• Accident insurance while traveling: Receive up to $500,000.
  
• Rented car insurance: Funds theft or damage with limitations.

Delta SkyMiles® Gold American Express Card

• Misplaced luggage: Around $1,250 per head.
  
• Rented auto insurance: About $50,000.

Terms and conditions apply.

The Platinum Card® via American Express

• Trip cancellation: About $10,000 for each trip. Maximum rewards of $20,000 every year.
  
• Trip interruption: Around $10,000 per trip. Maximum rewards of $20,000 annually.
  
• Lost luggage: About $3,000 per traveler.
  
• Accident insurance while traveling. Receive up to $500,000.
  
• Rented car insurance: Around $75,000.

Terms and conditions apply.

Capital One Venture Rewards Credit Card 

• Missing luggage: Receive up to $3,000 per individual.
  
• Accident insurance: Around $250,000 is given.
  
• Rented auto insurance: Funds theft or damage with limitations.

Hilton Honors American Express Aspire Card

• Trip cancellation: Approximately $10,000 for every trip. Maximum rewards of $20,000 every year.
  
• Trip interruption: About $10,000 each trip. Maximum rewards are worth $20,000 yearly.
  
• Delay in baggage: Around $100 per head till three days.
  
• The disappearance of luggage: $3,000 for each commuter.
  
• Insurance for accident(s): About $500,000.
  
• Rented car insurance: Around $75,000.

Is Additional Travel Insurance Needed?

A few credit card companies which offer travel insurance and additional benefits may not cover and provide sufficient insurance to meet your requirements. For instance, you may look into buying extra coverage if you pay $10,000 for a trip via your credit card and trip cancellation is not given. Similarly, you may want additional coverage if you have booked an expensive vacation, but your current credit card companies covers $10,000 in trip cancellation. 

Complete travel insurance is provided by American Express via AmEx Assurance. All travelers can benefit from this advantage despite not owning an American Express card. The coverage you require can be selected, and a rate will be given to you based on the days spent in travel, age, and cost of the trip.

For instance, here’s what we came across when applying for insurance for a two-day trip that cost $1,000. You can decide the type of coverage you want after viewing the total cost of your choices:

• The rates given covered 100% reimbursement for cancellation while offering different levels for other kinds of coverage.
  
• Medical insurance could be attained for $25,000 to $100,000.
  
• Accident protection while traveling was accessible for $250,000 – $1,500,000.
  
• Luggage protection could be obtained for about $500 to $2,500.
  
• Trip gap or interval coverage was available for $150 to $1,000 for each day, depending on the silver, gold, or premium options.

Double-check and verify your credit card companies requirements when renting a vehicle, as the specifications vary by automobile type and location.

The Bottom Line

Suppose you are looking for suitable credit card companies to cover medical insurance while traveling. It is advised first to make your plan to assess what your existing credit card companies covers or does not cover, then apply to one of the above-listed companies to receive the best offers and packages.