Milecards

Advertiser Disclosure

Medevac insurance your credit card might already provide

by on Mon June 23, 2014 • No Comment
Google+TwitterFacebookEmailLinkedIn

When something goes wrong while you travel and you need to be Medevac’ed to a hospital the costs can be enormous, easily reaching tens of thousands of dollars, and sometimes costing over $100,000 if a private jet or air ambulance is needed.

If you’re traveling abroad and considering an insurance policy to cover medical evacuation in case of an emergency, you might want to double check your credit card coverage before paying $30 – $100 for a typical medical evacuation policy.

What does a typical standalone Medevac policy cover?

It depends. Cheaper policies will cover transportation to the nearest appropriate facility, and send you home if it’s deemed necessary. More expensive options, like those that often cost about $100 for a trip, will let you choose the hospital, including sending you to a hospital near your home if you request it.

What kind of Medevac do cards cover?

Cards typically cover making sure you get to the nearest hospital that can reasonably provide you care. In some cases that might be a hospital in the country you are visiting, while in others it may mean flying you back to the United States for care. They will also pay to fly someone to stay with you if you’re traveling alone.

For many trips and circumstances this can be viable coverage, especially on cards that have no limit on the amount of expenses that can be covered, even if private jet services are needed to get you home safely.

There are currently four cards widely available to U.S. residents and open to new applicants that offer Medevac coverage:

Chase United Club Card

  • unitedclub170Will transport you to the nearest appropriate hospital, or to one near your home if that is deemed needed by your physician.
  • No limits on the cost of transportation – whatever the medical team deems necessary will be used
  • Trips must be longer than 5 days, and less than 60 days in length to qualify
  • Air ambulances can be used if deemed necessary
  • The Benefit Administrator must pre-approve any evacuation, but will take the guidance of your physician to make the decision
  • You must purchase a portion of your trip’s ‘common carrier’ transportation (airline ticket, train ticket, etc) to your card to be eligible.
  • Your spouse and kids under age 18 (25 if full-time students) are covered when traveling with you
  • $450 annual fee
  • Learn more

The Ritz Carlton Rewards Visa

Coverage is similar to the United Club Card, but there is a limit of $100,000 on expenses covered.

The Platinum Card from American Express

amexplat170The coverage on The Platinum Card is similar to that on the Chase United Club Card, but has the added benefit of not requiring that you use the card to pay for the trip to be eligible.

  • There is no limit on the cost of transportation.
  • Whatever transportation your doctor and the Amex team deem necessary will be used, including air ambulance or private jet services
  • Transport is generally back to your residence city and hospital, but if an emergency requires treatment in the region you are traveling the nearest facility will be used
  • Trips of 90 days or less are covered
  • You don’t need to charge the trip to the card to be eligible
  • You, your spouse, and kids up to age 23 (26 if full-time students) are eligible for the coverage when traveling with you
  • $450 annual fee
  • Learn more

Citi Prestige Card

  • citiprestige170Will transport you to the nearest appropriate hospital, or to one near your home if that is deemed needed by your physician.
  • $100,000 limit on the cost of transportation
  • Air ambulances can be used if deemed necessary
  • The Benefit Administrator must pre-approve any evacuation, but will take the guidance of your physician to make the decision
  • $450 annual fee
  • Learn more

So in summary, The Platinum Card from American Express offers the most comprehensive coverage for medical evacuation, with no need to charge your trip to the card to be eligible for the benefit, and with a $200 annual airline fee credit you can reduce the cost of the card to about $250 per year.

Remember, evacuation coverage won’t cover medical care – you may need separate coverage for that, but the evacuation benefit makes for excellent peace of mind and can let you save money when shopping for other coverage.

The following two tabs change content below.

Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee, then $95

Annual Fee

$0

Foreign Transaction Fee Waived

Yes

Points Can Transfer to Airline Miles ?

Still confused? Have a question?

Leave a comment below -- we'll reply shortly -- no need to use your real name. Or, use the email form at the top of the page for private advice.

"These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered."

Leave a Reply

Your email address will not be published. Required fields are marked *

X
MileCards.com Email Alerts
Hear about new offers and tips