Understanding your coverage could be key to maximizing your benefits.
Pre-existing conditions can affect your policy. For example, if you had a heart condition before you departed, and then had a heart-related medical treatment while abroad, your insurance may not cover you.Article content
Most policies have a limit on which medical expenses are covered. It’s usually a minimum of $1,000,000, so it’s unlikely that you’d exceed your limit when seeking treatment.When it comes to extended travel insurance, it can differ quite a bit from card to card.
You also need to check what qualifies as a covered reason to make a claim. For example, an emergency medical condition, or formal travel advisory would trigger your trip cancellation policy. But, wanting to change your dates would not.Article content Finally, every credit card’s auto rental collision/loss damage insurance will require you to decline the rental agency’s insurance for your insurance to apply. That said, third-party liability coverage — which covers you if you’re sued for a physical injury or property damage — is never included with credit card insurance policies, so you may want to purchase that.