Haris Ashley
When it comes to choosing an airline credit card, it's important to consider the additional benefits that come with it. One key benefit that can provide peace of mind when travelling is medical insurance. While travel medical insurance is not a common feature on credit cards, there are a few notable options that offer worldwide coverage. For example, the Chase Sapphire Reserve card offers emergency medical and dental coverage, as well as travel accident insurance. The Platinum Card from American Express also offers extensive travel insurance, including access to airport lounges worldwide. Other cards worth considering include the Capital One Venture X card, the Marriott Bonvoy Brilliant American Express Card, and the Bank of America Premium Rewards Credit Card. These cards offer a range of benefits, from lounge access to bonus points and credits, in addition to medical and travel insurance coverage. It's always a good idea to review the specific terms and conditions of each card to understand the coverage limits and any exclusions that may apply.
| Characteristics | Values |
|---|---|
| Credit cards with travel medical insurance | Chase Sapphire Reserve, Chase Sapphire Preferred, The Platinum Card from American Express, Capital One Venture X, Marriott Bonvoy Brilliant American Express Card, Bank of America Premium Rewards Credit Card |
| Chase Sapphire Reserve coverage | Up to $1 million for travel accidents, $100,000 for accidents during a trip paid for with the card, $1 million for accidents on a common carrier, emergency medical and dental coverage, $550 annual fee, 1-10 points per $1 spent on purchases |
| Chase Sapphire Preferred coverage | Lost or delayed luggage, accidents resulting in injury or death, cancelled trips, covers cardholder and immediate family |
| The Platinum Card from American Express coverage | Secondary car rental insurance, trip delay insurance, trip cancellation and interruption insurance, access to Global Lounge Collection, over $1,000 in travel and business credits |
| Capital One Venture X coverage | $300 annual credit for bookings through Capital One Travel, earn 2 miles per dollar spent, earn 75,000 bonus miles when you spend $4,000 in the first 3 months, access to over 1,300 airport lounges worldwide |
| Marriott Bonvoy Brilliant American Express Card coverage | Extensive list of travel insurance for a hotel credit card, Marriott Bonvoy Platinum Elite Status |
| Bank of America Premium Rewards Credit Card coverage | Trip delays, baggage delays, lost luggage, $100 in airline incidental statement credits annually |
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What You'll Learn
Chase Sapphire Reserve card
The Chase Sapphire Reserve card is one of the best credit cards with travel medical insurance. It offers up to $1 million in coverage for travel accidents when you pay for your trip with the card. The card also offers emergency medical and dental coverage of up to $2,500 (with a $50 deductible). This benefit can be used to cover the cost of emergency medical services and transportation, as well as any necessary hotel stays.
In addition to medical and dental coverage, the Chase Sapphire Reserve card also offers travel accident insurance, which provides coverage for accidental death, dismemberment, or a combination of loss of speech, sight, or hearing. This benefit includes two types of insurance: Common Carrier Travel Accident Insurance and Common Carrier Accident Insurance. Common Carrier Travel Accident Insurance applies when an accident occurs while entering, exiting, or riding as a passenger on a common carrier, such as an airplane, train, cruise ship, or bus. Common Carrier Accident Insurance covers accidents that occur during transit on a common carrier, with a coverage limit of $1 million.
The card also comes with a travel and emergency assistance benefit, which provides cardholders with access to an emergency assistance phone line 24 hours a day, seven days a week. This benefit can be used to obtain medical referrals, legal referrals, emergency transportation assistance, emergency ticket replacement, and other travel-related assistance.
The Chase Sapphire Reserve card also offers trip cancellation/interruption insurance, which can provide reimbursement of up to $10,000 for cardholders and immediate family members if a covered loss prevents or interrupts their trip. This benefit applies to trips purchased with the card or with Chase Ultimate Rewards points earned from the card.
Overall, the Chase Sapphire Reserve card offers comprehensive travel medical insurance and other travel benefits that can provide peace of mind when travelling. The specific benefits and coverage limits may vary, so it is important to review the terms and conditions provided by the card issuer.
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Chase Sapphire Preferred card
The Chase Sapphire Preferred card is a top travel credit card with many benefits. It offers travel accident insurance, which covers accidental death or dismemberment when you use your card to pay for air, bus, train or cruise transportation. It also provides legal and medical referrals and access to other travel and emergency assistance services. The card also comes with rental car insurance, which can save you a lot of money on long and frequent trips. The roadside dispatch service provides towing, jump-starting, tire changes, lockout services, winching, and gas delivery.
The Chase Sapphire Preferred card also offers baggage delay insurance and lost luggage reimbursement. Your points are worth 25% more when redeemed for airfare, hotels, car rentals, and cruise lines through Chase Travel. You can earn bonus points on travel, dining, and everyday purchases. There are no foreign transaction fees when using the card outside the United States. For example, if you spend $5,000 internationally, you save $150 in foreign transaction fees.
The card also provides an annual point bonus worth 10% of your total purchases for the year. You can transfer points to participating frequent travel programs at a full 1:1 value. However, it is important to note that the Chase Sapphire Preferred card does not offer complimentary airport lounge access or free checked bags. Additionally, it does not include a credit for Global Entry or TSA PreCheck.
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American Express Platinum Card
The American Express Platinum Card offers worldwide medical insurance to its members. The Platinum Travel Assistance service is provided by AXA Assistance USA, a division of the AXA Group, and is only valid for American Express International Dollar Platinum Card Members or Additional Card Members.
The service is only valid while the American Express Platinum Card account is active and in good standing. The AXA Group provides services in emergency situations that result in external bodily injury, violent and/or accidental means, or a medical condition that is sudden, unanticipated, and urgent, requiring immediate medical or surgical treatment.
The American Express Platinum Card also offers Travel Accident Insurance, which provides coverage of up to $500,000 in the case of accidental death or dismemberment while travelling on a common carrier conveyance (plane, train, ship, or bus) when the entire fare has been charged to the card. This insurance covers the basic or additional card member, their legally married spouse, or dependent child under the age of 23.
In addition to worldwide medical insurance, the American Express Platinum Card also provides benefits such as luggage protection, trip delay coverage, and rental car insurance. The card also offers access to the Global Lounge Collection, which includes more than 1,400 airport lounges worldwide.
It is important to note that the coverage provided by the American Express Platinum Card may vary depending on the country of residence and the specific terms and conditions of the card.
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Capital One Venture X card
The Capital One Venture X card is a travel credit card that offers a range of benefits for travellers. For a $395 annual fee, cardholders can access several travel insurance perks, making it a good choice for booking travel.
Firstly, the card offers trip interruption or cancellation insurance. This means that if your trip is cancelled or cut short due to the death, injury, or illness of you or an immediate family member, or the financial insolvency of the common carrier, you can be reimbursed up to $2,000 per person for any non-refundable airline, bus, train, or ferry tickets.
Secondly, the card provides travel accident insurance of up to $1,000,000. This coverage protects you against loss of life or specific, significant bodily injuries that occur while travelling on a common carrier, such as a taxi, bus, ferry, or other public transportation.
Thirdly, the card offers rental car insurance, which covers the cost of damage to or theft of a rental car. This coverage is primary and offers reimbursement for the actual cash value of the rental, up to $75,000 for a new vehicle. However, it is important to note that this insurance does not cover liability, and you may still be liable for claims if you damage property or injure someone with the rental car.
In addition to these travel insurance benefits, the Capital One Venture X card also provides unlimited Capital One Lounge access, up to $300 Capital One Travel credit every cardmember year, cell phone insurance, and more. Cardholders can earn 75,000 bonus miles when they spend $4,000 on purchases within the first three months, and miles do not expire for the life of the account.
Overall, the Capital One Venture X card is an excellent option for travellers seeking an all-in-one premium credit card with comprehensive travel insurance coverage and a wide range of additional perks and benefits.
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Bank of America Premium Rewards card
The Bank of America Premium Rewards credit card offers comprehensive travel insurance benefits, including worldwide medical insurance. Here are the key features:
Trip Delay Insurance
If your trip is delayed for 12 hours or more, you are eligible for reimbursement for necessary expenses, such as a hotel room.
Trip Cancellation/Interruption Insurance
This benefit covers unforeseen cancellations or interruptions that cut your trip short. It provides reimbursement of up to $2,500 for non-refundable passenger fares. This includes cancellations or interruptions due to illness or severe weather.
Baggage Delay Insurance
If your baggage arrives over 6 hours late to your destination, you can claim reimbursement for essential purchases made due to the delay.
Emergency Evacuation and Transportation Insurance
In the event that you become sick or injured during your travels and require emergency evacuation or medical transportation, the card offers reimbursement for medical services and transportation costs up to a specified dollar amount.
It is important to note that to be eligible for filing a travel insurance claim with the Bank of America Premium Rewards card, you must pay for your travel using the card. Additionally, the coverage amounts and specific benefits may vary between Visa and Mastercard credit cards offered by the bank.
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Frequently asked questions
Many credit cards offer worldwide medical insurance. Here are some of the best ones:
- Chase Sapphire Reserve Card
- Chase Sapphire Preferred Card
- The Platinum Card from American Express
- Capital One Venture X Card
- Marriott Bonvoy Brilliant American Express Card
The Chase Sapphire Reserve Card offers up to $1 million in coverage for travel accidents when you pay for your trip with the card. It also offers emergency medical and dental coverage, a generous initial bonus, and 1-10 points per $1 spent on purchases.
The Chase Sapphire Preferred Card covers lost or delayed luggage, accidents resulting in injury or death, and canceled trips. These policies cover you and your immediate family, as long as you pay for the trip using the card.
The Platinum Card from American Express offers extensive travel insurance coverage, including car rental insurance, baggage insurance, trip delay insurance, and trip cancellation and interruption insurance. It also provides access to over 1,400 airport lounges worldwide.
The Capital One Venture X Card offers an annual $300 travel credit, the ability to earn 2 miles per dollar spent, and complimentary access to 1,300+ airport lounges worldwide.
The Marriott Bonvoy Brilliant American Express Card offers extensive travel insurance, including luxury perks for Marriott loyalists like Marriott Bonvoy Platinum Elite Status.
