Yes, be aware of the fine print of credit cards' insurance coverages. I was reading thru my TD Infinite card and recalled there being some age clause.
Here's an example I pulled from the TD website:

Travel Medical Insurance

You're covered without even having to charge the trip to your Card! As the Primary Cardholder, whenever you leave your province of residence, you, your spouse and dependent children are automatically insured upfront payments of eligible medical emergency expenses for $1 million for the first 15 days, without having to pay for the coverage. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip.