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The cheapest card with medical evacuation coverage built-in

by on Fri January 15, 2016 • 1 Comment
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Did you know the $95 a year Virgin Atlantic World Elite MasterCard from Bank of America offers $100,000 worth of medical evacuation or repatriation coverage?

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No one wants to think about getting hurt or sick so badly that you need to be flown back home.

But if it happens, the situation can get expensive fast.

According to Travelex, the average medical evacuation within North America costs $25,000, and from Europe costs $50,000, while the most sensitive situations can run $100,000 or more.

Your own health insurance might pick up the cost, but you may be on the hook for a large deductible, and if you’re traveling outside the country it might not cover the evacuation at all.

You can buy a policy from a travel insurance provider – it’s often about $20 or so for a single trip – but if you travel often it can add up.

The $400+ per year Citi Prestige, Platinum Card from American Express, and United Club Card each have medical evacuation and repatriation coverage when you pay for tickets with the cards.

But the Virgin Atlantic MasterCard is a surprising addition to that list given its low annual fee.

Here is the snapshot of coverage from the benefits guide that’s mailed to cardholders.

medicalevac

The $100,000 in coverage applies when:

  • You book the entire cost of a ticket using the card (less any certificates or discounts). Miles are okay to use, but only if you earned them with the card, so in this case we’re talking tickets booked with Virgin Atlantic miles.
  • Your trip is more than 50 miles from home
  • It’s a trip of less than 180 days
  • You’re not traveling for medical reasons, like getting a procedure done

And it also includes:

  • $5,000 to send your kids back home if you’re in the hospital more than 5 days
  • $5,000 in guaranteed payment to the hospital if they require the money upfront to admit you
  • $100 per day, for up to 7 days, for a family member to stay with you if you’re in the hospital for 3 days or more

We hope no one reading this ever needs to use the coverage, but if you’re traveling far away for a while, it may be worth charging your ticket to a Virgin Atlantic MasterCard.

It’s a pretty under rated card with a decent intro offer.

 

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?

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"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."

One thought on “The cheapest card with medical evacuation coverage built-in

  1. john

    I have the Citi Prestige and CSP cards. But I am also traveling to mexico on points. How could either card cover me, or am I stuck buying insurance from a company

    Reply

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