{"id":183253,"date":"2021-12-12T22:31:00","date_gmt":"2021-12-13T03:31:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/news\/medical-emergency-credit-card-insurance\/"},"modified":"2026-05-08T15:52:47","modified_gmt":"2026-05-08T15:52:47","slug":"medical-emergency-credit-card-insurance","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/medical-emergency-credit-card-insurance\/","title":{"rendered":"How does credit cards emergency medical insurance work?"},"content":{"rendered":"\n<p>The subtleties differ from one <strong>credit card<\/strong> to another. Indeed, they are not all equivalent.<\/p>\n\n\n\n<p>The number of days covered, the maximum age and the eligible amounts vary from policy to policy.<\/p>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>You will need to make sure you have the right coverage for <strong>your situation<\/strong>! Read your contract carefully and contact your company before you leave.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-you-need-to-know\">What you need to know<\/h2>\n\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-amount-of-coverage\">The amount of coverage<\/h3>\n\n\n\n<p>Most <strong>credit cards<\/strong> will provide <strong>EMC<\/strong> coverage up to $5,000,000 per person for the duration of the trip. This amount is generally for all conditions except exclusions.<\/p>\n\n\n\n<p>In addition, in this time of pandemic, some <strong>credit card insurances<\/strong> offer protection against <strong>hospitalization due to COVID-19<\/strong>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t<\/aside>\n\n\n\n<p>As for <strong>oral care<\/strong>, the work is covered only between <strong>$500 and $3,000<\/strong> depending on the nature of the accident. Also, most contracts reject claims for root canal treatments.<\/p>\n\n\n\n<p>Indeed, extensive cavities do not appear overnight, but the pain does! If you submit a claim for a toothache, it would <strong>most likely be denied<\/strong> if the tooth could have been repaired before you left.<\/p>\n\n\n\n<p>Finally, dental problems and fractures that result from <strong>lack of care<\/strong>, <strong>neglect<\/strong> or <strong>poor hygiene<\/strong> will not be covered either.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1600\" height=\"1059\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/Soins-dentaire.jpg\" alt=\"How does credit cards emergency medical insurance work? - Soins dentaire\" class=\"wp-image-181485\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/Soins-dentaire.jpg 1600w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/Soins-dentaire-450x298.jpg 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/Soins-dentaire-1024x678.jpg 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/Soins-dentaire-200x132.jpg 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/Soins-dentaire-768x508.jpg 768w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-covered-individuals\">Covered individuals<\/h3>\n\n\n\n<p>In most cases, to benefit from <strong>emergency medical care insurance<\/strong>, you only need to be a <strong>credit card<\/strong> holder. For the others, expenses (partial or full) must be charged on them.<\/p>\n\n\n\n<p>Your spouse and children <strong>travelling with you<\/strong> will also be covered. However, if the spouse is travelling alone, he or she is protected only when registered as an <strong>authorized user<\/strong> on the credit card.<\/p>\n\n\n\n<p>The definition of a <strong>dependent child<\/strong> differs from company to company. For example, the baby must be at least 30 days old with the National Bank&#8217;s World Elite Mastercard<sup>&reg;<\/sup>, while with the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/desjardins-odyssey-world-elite-mastercard-card\/\">Desjardins Odyssey World Elite Mastercard<\/a>, the requirement says 15 days old.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"87931\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Then, here are examples of the variations in coverage for a <strong>baby born abroad<\/strong>:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a class=\"thirstylink\" title=\"National Bank's World Elite Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"nofollow sponsored\">National Bank&#8217;s World Elite Mastercard<sup>&reg;<\/sup><\/a>: a child born <strong>during the first 32 weeks<\/strong> of pregnancy without risk<\/li>\n\n\n\n<li><a class=\"thirstylink\" title=\"Desjardins Odyssey World Elite Mastercard\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/desjardins-odyssey-world-elite-mastercard\/\" rel=\"nofollow sponsored\">Desjardins Odyssey World Elite Mastercard<\/a>: a child born while travelling is <strong>automatically covered<\/strong> by the mother&#8217;s insurance policy under certain conditions<\/li>\n\n\n\n<li><a class=\"thirstylink\" title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card - Quebec\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/td-aeroplan-visa-infinite-card\/\" rel=\"nofollow sponsored\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a>: a child born outside <strong>will not be covered<\/strong>, even if the mother is well insured<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-coverage-by-age-and-length-of-trip\">Coverage by age and length of trip<\/h3>\n\n\n\n<p>Depending on the insurance company, the coverage will vary depending on the number of days and the age of the person.<\/p>\n\n\n\n<p>People <strong>under 54<\/strong> have the most extensive coverage. It can be <strong>up to 30-60 days<\/strong> with most credit cards EMC insurance.<\/p>\n\n\n\n<p>After that age, the choices are more limited and we may have to turn to a <strong>private company<\/strong> to meet our needs.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"164421\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>When a trip exceeds the <strong>number of days covered<\/strong>, coverage is void for the entire trip. A private insurance, for the total duration of your absence, will therefore be necessary.<\/p>\n\n\n\n<p>Finally, an extension of coverage is possible with certain institutions. Desjardins Insurance is an example.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"181799\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-covered-by-emc-insurance\">What is covered by EMC insurance<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-eligibility-criteria\">Eligibility Criteria<\/h3>\n\n\n\n<p>In general, these criteria are very similar from one card to another.<\/p>\n\n\n\n<p>The following conditions must be met:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>having activated the credit card before leaving<\/li>\n\n\n\n<li>maintaining an account <strong>in good standing<\/strong><\/li>\n\n\n\n<li>being a Canadian resident<\/li>\n\n\n\n<li>being <strong>eligible for provincial government health insurance<\/strong> (at the time of purchase and for the duration of the trip)<\/li>\n<\/ul><\/div>\n\n\n\n<p>Ideally, <strong>insurance should be contacted<\/strong> before consulting and consenting to further treatment. In the event that you are unconscious, another person should ideally call.<\/p>\n\n\n\n<p>If they cannot be reached, your claim may be rejected or a penalty may be payable.<\/p>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Be sure to keep your credit card active until the end of your trip! If you cancel your credit card , you will not be <strong>able to benefit from the insurance offered<\/strong>.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22642\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-eligible-expenses\">Eligible expenses<\/h3>\n\n\n\n<p>The following are various eligible medical expenses:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>hospitalization<\/strong> costs<\/li>\n\n\n\n<li>expenses incidental to hospitalization (transportation, telephone, parking, etc.)<\/li>\n\n\n\n<li>emergency dental care (exclusions apply)<\/li>\n\n\n\n<li>medical accessories (wheelchairs, crutches, etc.)<\/li>\n\n\n\n<li>health professional fees<\/li>\n\n\n\n<li>prescription <strong>drugs<\/strong><\/li>\n\n\n\n<li><strong>transportation and medical transfer<\/strong> costs (by road or air)<\/li>\n\n\n\n<li><strong>repatriation<\/strong> and attendant costs, if necessary<\/li>\n\n\n\n<li>the cost of transporting a relative to the insured person&#8217;s bedside (if the attending physician deems it important)<\/li>\n\n\n\n<li>costs for the return of the vehicle and luggage<\/li>\n\n\n\n<li>assumption of responsibility for the remains in the event of death and repatriation of the remains\/ashes in accordance with the wishes of the insured person and\/or their family<\/li>\n\n\n\n<li>living expenses if return to province of residence is delayed<\/li>\n\n\n\n<li>follow-up costs up to 15 days after return (accommodation, transport, accessories, home nurse, etc.)<\/li>\n<\/ul><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1600\" height=\"1067\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Transport-Me\u0301dical.jpg\" alt=\"How does credit cards emergency medical insurance work? - Transport Me\u0301dical\" class=\"wp-image-180794\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Transport-Me\u0301dical.jpg 1600w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Transport-Me\u0301dical-450x300.jpg 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Transport-Me\u0301dical-1024x683.jpg 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Transport-Me\u0301dical-200x133.jpg 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Transport-Me\u0301dical-768x512.jpg 768w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<p>Throughout the period of care, the insurer will communicate closely with you or the responsible physician.<\/p>\n\n\n\n<p>The insurer is within its rights to request repatriation to limit costs. As soon as your health permits, the insurer <strong>may request a transfer to<\/strong> continue treatment in your home province.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-not-covered-by-emc-insurance\">What is not covered by EMC insurance<\/h2>\n\n\n\n<p>By definition, EMC insurance covers the care required in the event of an accident or <strong>sudden, unforeseen<\/strong> health problem while abroad.<\/p>\n\n\n\n<p>However, it is very important to note that you will not be insured in the following cases.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"192394\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pre-existing-conditions\">Pre-existing conditions<\/h3>\n\n\n\n<p>This is defined as an illness, injury, condition or symptom for which:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>a doctor was consulted<\/li>\n\n\n\n<li>you had an exam<\/li>\n\n\n\n<li>you were hospitalized<\/li>\n\n\n\n<li>you have been prescribed a new drug or treatment<\/li>\n\n\n\n<li>there has been a change in the dosage of medication or treatment<\/li>\n<\/ul><\/div>\n\n\n\n<p>The insurer requires a <strong>stability period<\/strong> that varies according to age; it is generally between 3 and 6 months.<\/p>\n\n\n\n<p>Particularities in terms of cardiac, pulmonary and oncological problems are also to be noted.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"123585\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-other-ineligible-situations\">Other ineligible situations<\/h3>\n\n\n\n<p>Different situations ineligible for emergency medical insurance:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Competitions where you can win money (e.g. car racing)<\/li>\n\n\n\n<li>Extreme sports (when a waiver must be signed)<\/li>\n\n\n\n<li>Drug and alcohol abuse and drug use<\/li>\n\n\n\n<li>A war or terrorist act<\/li>\n\n\n\n<li>Aesthetic treatments<\/li>\n\n\n\n<li>Care that is not covered in your home province<\/li>\n\n\n\n<li>Complications following elective care<\/li>\n<\/ul><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1600\" height=\"1067\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Sport-Extreme.jpg\" alt=\"How does credit cards emergency medical insurance work? - Sport Extreme\" class=\"wp-image-180799\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Sport-Extreme.jpg 1600w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Sport-Extreme-450x300.jpg 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Sport-Extreme-1024x683.jpg 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Sport-Extreme-200x133.jpg 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Sport-Extreme-768x512.jpg 768w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-make-a-claim\">How to make a claim?<\/h2>\n\n\n\n<p>First of all, always contact the insurer for <strong>approval<\/strong> before consulting and receiving treatment.<\/p>\n\n\n\n<p>Then, if you need more care, the insurer will ask you for <strong>additional information<\/strong> such as the results of your blood test or X-rays. Professionals, affiliated with the insurance company, will review your file as you go along.<\/p>\n\n\n\n<p>When you are discharged from the hospital or clinic, the insurer may provide you with a claim form for EMC incurred during your trip. This way, you won&#8217;t have to pay anything.<\/p>\n\n\n\n<p>However, it is also possible to pay the expenses and be reimbursed by cheque following the application.<\/p>\n\n\n\n<p>You must keep:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>all evidence of the accident or illness<\/li>\n\n\n\n<li>the medical certificate from the attending physician confirming the illness and the treatment received<\/li>\n\n\n\n<li>a proof of the expected duration of the trip<\/li>\n\n\n\n<li>invoices for expenses claimed<\/li>\n<\/ul><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1600\" height=\"1067\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Assurance-SMU.jpg\" alt=\"How does credit cards emergency medical insurance work? - EMS Insurance\" class=\"wp-image-180796\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Assurance-SMU.jpg 1600w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Assurance-SMU-450x300.jpg 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Assurance-SMU-1024x683.jpg 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Assurance-SMU-200x133.jpg 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/11\/Assurance-SMU-768x512.jpg 768w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-best-credit-card-emc-insurance\">The best credit card EMC insurance<\/h2>\n\n\n\n<p>The best cards stand out mainly in terms of the amount of coverage, the travel period covered, the eligible age groups and the amount to be charged to the card.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='5'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432,22654,22672,22712\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Conclusion<\/h2>\n\n\n\n<p>Personally, I highly recommend the National Bank&#8217;s World Elite Mastercard<sup>&reg;<\/sup>, which offers <strong>some of the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/insurance\/\">best insurance<\/a><\/strong> on the market and protects us from <strong>emergency medical care<\/strong> simply by being a cardholder.<\/p>\n\n\n\n<p>I had to call on them several times, but fortunately the service and care was always excellent. Finally, all claims were made very easily.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Certificates of Insurance<\/p>\n\n\n<p><a target=\"_blank\" href=\"https:\/\/www.bnc.ca\/content\/dam\/bnc\/particuliers\/pdf\/assurance\/certificat-713705-3.pdf\">National Bank World and World Elite Mastercard<\/a><br \/>\n<a target=\"_blank\" href=\"https:\/\/www.bmo.com\/pdf\/World_Elite_Cardholder_Agreement_FR.pdf\">World Elite Mastercard and BMO World Elite<\/a><br \/>\n<a target=\"_blank\" href=\"https:\/\/www.desjardins.com\/ressources\/pdf\/b10-brochure-odyssee-f.pdf\">Desjardins Odyssey World Elite Mastercard<\/a>","protected":false},"excerpt":{"rendered":"<p>Many credit cards offer emergency medical coverage abroad. Here is a detailed review of their main characteristics.<\/p>","protected":false},"author":1237,"featured_media":180796,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[46377],"tags":[],"mc_loyalty_program":[],"class_list":["post-183253","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","post_series-credit-cards-insurance","tutorial-insurance"],"acf":{"mc_approved_badge":false,"mc_card_used":401432,"mc_featured_card_specific":null,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How does credit cards emergency medical insurance work? | Milesopedia<\/title>\n<meta name=\"description\" content=\"Many credit cards offer emergency medical coverage abroad. 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