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List of No annual fee cards that offer (free) travel medical insurance

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  • Nov 8th, 2018 2:03 pm
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[OP]
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Apr 23, 2017
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List of No annual fee cards that offer (free) travel medical insurance

With the travel season to warmer climes underway, thought I'd look at what no AF cards offer free travel medical coverage. If I'm missing any, feel free to add to the list.

* PC Financial World Elite MasterCard: 10 days coverage (1 Million max) for under 65 (also gives free car rental CDW for rentals up to 31 days)

* Rogers World Elite MasterCard: 10 days coverage (1 Million max) for under 65 (also gives free car rental CDW for rentals up to 31 days)

* Scotiabank Amex (the red one): 8 days coverage (1 Million max) for under 65 (also gives free car rental CDW for rentals up to 48 days)
(also gives free trip interruption insurance up to $2,500 per person/$10k family group, and free $250k flight accident insurance)

In addition to the two cards above, the following cards with an AF can get that AF waived with a bank plan, the plan fee also being waived with min deposit:

- TD First Class Visa Infinite: 21 days coverage (1 million max) for under 65 (over 65 = 4 days). (also gives free car rental CDW for up to 48 days).
(annual fee of $120 waived with TD All Inclusive bank account. Bank fee waived with min $5k on deposit with TD in the account)

- BMO World Elite Travel MasterCard: 21 days coverage (2 million max) for under 65 (also free car rental CDW for rentals up to 48 days)
(annual fee of $150 rebated with Premium bank account. Bank account fee rebated with min $6k on deposit with BMO in the account).

- HSBC 'Jade' World Elite MasterCard: 31 days coverage (1 million max) for under 65 (also free car rental CDW for rentals up to 31 days).
(annual fee of $299 waived with Premier 'Jade' relationship. Jade relationship requires 1 million invested with HSBC).

The three AF cards that waive the AF entirely all have a host of other benefits I won't go into as this is primarily about travel medical insurance on no AF cards.
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RBC offers the Avion Visa Infinite AF rebated with RBC VIP plan, however they don't waive the bank plan fee with a min deposit, and yearly bank fee exceeds AF.
CIBC likewise offers Aventura Visa Infinite AF rebated with a bank plan, but they don't rebate the bank plan fee with a min deposit, and bank fee exceeds card AF.
Last edited by HermanH on Jan 11th, 2018 10:48 pm, edited 2 times in total.
33 replies
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The TD cash back infinite card also has 8days of coverage I think. AF can be waived like the TDFCT card.
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Dec 10, 2006
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Japan
Icing on the cake: I believe you do not need to charge the trip on your card to use the travel medical insurance.

However, things like lost baggage, trip interruption, travel accidental death or dismemberment require the trip to be charged fully.
[OP]
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rageguy wrote:
Jan 13th, 2018 11:35 pm
Icing on the cake: I believe you do not need to charge the trip on your card to use the travel medical insurance.

However, things like lost baggage, trip interruption, travel accidental death or dismemberment require the trip to be charged fully.
Yes, you do not need to charge the trip to get the travel medical insurance coverage. Only the other insurance offerings require charging the trip, not the medical coverage.

An advantage to the no-AF cards that give free travel medical is that if one uses a card like the MBNA Rewards World Elite MasterCard to get the 2% flat rate on 'everything else' (a card with no travel medical insurance), you can pick up a no-AF card from this list as a backup card that gives you the free travel medical insurance for your vacation without your having to use the backup card.
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Nov 22, 2012
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AMHERST
wra45mon wrote:
Jan 13th, 2018 3:36 pm
The TD cash back infinite card also has 8days of coverage I think. AF can be waived like the TDFCT card.
Yes, TD has several cards with travel medical insurance in which the annual fee can be rebated.
"Annual Fee rebate applies only for the Primary Cardholder of one of the following new (to you) TD Credit Cards - TD® Aeroplan®Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Card, TD First Class Travel Visa Infinite Card, TD Platinum Travel Visa Card or TD Cash Back Visa Infinite* Card, and for one Authorized User Card for the same TD Credit Card Account for as long as the All-Inclusive account remains open and in good standing."
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Nov 22, 2012
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AMHERST
The Scotiabank American Express® Card (red card) provides travel emergency medical Insurance for eligible persons under age 65 for up to 8 consecutive days and for eligible persons age 65 and older for up to 3 consecutive days. This might be the only no fee card in Canada which includes travel emergency medical Insurance for persons age 65 and older.
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(also gives free trip interruption insurance up to $2,500 per person/$10k family group, and free $250k flight accident insurance)
That Scotia Amex does look good
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does anyone know how they enforce the number of travel days...esp if you're not charging it on your card and only using the medical insurance?
Russell wrote:
Sep 10th, 2011 12:29 pm
We come here looking for deals. We use the savings on the things we buy to justify buying more things, thus filling our homes with tons of unnecessary consumer products. Such is the key to happiness.

[OP]
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twitchyzero wrote:
Apr 1st, 2018 3:34 pm
does anyone know how they enforce the number of travel days...esp if you're not charging it on your card and only using the medical insurance?
Many credit card travel medical insurance fine print says during the claim process one is required to provide proof of departure and proposed return. If you fly, the airline ticket stating departure and return dates would provide this. Since most insurance seeks to avoid paying out claims when possible, getting them to cover days in excess of the covered period will not go well. Most insurance, if it covers you for say 15 days, will cover you for the first 15 days of your trip, and if the trip goes beyond that one has to call in before one leaves to purchase a top up of coverage to cover the extra days one will be away, or else take the risk of having no coverage for whatever days one stays over the insured portion. If one booked a trip for 17 days and has 15 days travel medical insurance, the last two days (16,17) are not covered so if the medical emergency happens on day 17, your insurance wouldn't cover it (unless you bought top up coverage for that trip).

Also, if one has three credit cards that all offer travel medical insurance, whichever one you claim on will split the medical bill with the other two cards' insurance. So if one has PCF 10 day, RBC Visa 15 day, and BMO MC 21 day coverage, and your accident happens on day 12, and you claim with RBC, and RBC's insurance and BMO's insurance co will split the cost of paying your claim. Since you were outside the coverage of PCF at the time, it wouldn't be a three-way split unless the accident happened on say, day 8 when all three were covering you.

One is required to provide details of any other credit cards one has that offer travel medical coverage when claiming, to allow the insurance co to get the other insurance companies to pay a share. This doesn't really matter to you - you can still put the claim in to whichever one gives you the best/most extensive coverage. The getting the other insurance companies to pay part is usually a behind the scenes arrangement between the insurance companies - the one you claim with will try to pay the hospital directly, then recoup what they can after from the provincial health plan and the other card travel medical coverage you may have.
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Hi HermanH, please add the new Rogers WE.
😎 "How do you like to pay?" "American Express!" 😄
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Herman thanks for your well-written reply
do you suppose I can use one card, let's say a 3 week vacation, use the first 8-10 days with the CC then get additional coverage through a travel agency to cover the remaining days?
or am I 'forced' to use the CC insurer to 'top' up to cover the remaining days?
Russell wrote:
Sep 10th, 2011 12:29 pm
We come here looking for deals. We use the savings on the things we buy to justify buying more things, thus filling our homes with tons of unnecessary consumer products. Such is the key to happiness.

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HermanH, nice thread, you might want to specify if the coverage is x days of coverage, or for trips of x days. Difference is the former covers you for the period even if trip is longer, the second would provide 0 coverage in such cases.
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Nov 22, 2012
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AMHERST
titaniumtux wrote:
Apr 2nd, 2018 11:44 am
Is there a limit on how many trips per year? Or even how many claims per year? Will that vary from one card to the next?
None of the credit card travel medical emergency insurance polices I've read limit the number of trips or number of claims. Only the $ amount or age restrictions are typically limited.

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