Originally Posted by
466SHH
Card provides 100,000 in medical evacuation coverage and 2500 in emergency medical coverage. 50 deductible on the medical. Actually a useful addition for me. 2500 is not enough medical of course but I can layer it with a cheap travel policy and raise the deductible on it. Will be very interested to read the actual contractual provisions on these.
Not a big thing by itself, but will save me another 50-100 a year.
This sounded like a great benefit to me at first, but both benefits are "supplemental to and excess of any valid and collectible insurance or other reimbursement". The medical coverage "covers only the medical expenses that are not covered by your medical insurance".
More concerning are these conditions on the medical evacuation coverage: "The evacuation must be pre-approved by the Benefit Administrator in consultation with a legally licensed Physician..." and "The Benefit Administrator must make the actual medical transportation arrangements."
Suppose I'm backpacking and suffer an injury such that I need to be airlifted to a hospital, and the governing body of that particular area charges for such services. It may be imperative that action be taken as soon as possible rather than taking the time to contact the Benefit Administrator, if such contact is even possible!
But perhaps these are normal conditions for similar insurance coverage; I have not paid much attention to such policies.