Credit Cards Provide Emergency Health Services Abroad
We have written about travel insurance and health coverage. You may not know, however, that your credit cards also have international travel and emergency assistance benefits (domestic-if more than 100-150 miles from home). You should examine these benefits, before you leave home and see if it would be wise to make reservations using a particular credit card, and/or to become a member of their loyalty programs.
See if you are entitled to 24 hour concierge services to assist you with restaurant recommendations, reservations, and even vacation-planning assistance. This assistance can give you information on your destination before you leave—information such as ATM locations, currency exchange rates, weather reports, health precautions, immunizations, and required passport visas.
Your credit card may help you rent a car, often at discount prices, and give you car insurance, permitting you to waive auto rental collision damage offers. Paying with your credit card may also provide you with travel accident insurance and lost luggage reimbursement. And, if your rental car breaks down or runs out of gas, your card may also get you a referral dispatch for towing or fuel delivery.
Medical Emergency Assistance Services:
If you become ill and must halt your trip and return home, your card can help make arrangements and assist you with getting your nonrefundable fare back.
The card’s benefit administrators can give you names of English-speaking doctors, dentists, and hospitals; or provide you with a translator. They can contact your physicians at home to speak to the local doctor. They may assign a physician to monitor your condition. They can contact your family and provide continuing liaison. Last, they can help you arrange medical payments.
Emergency transportation assistance may assist you to make all the necessary arrangements for emergency transportation home or to the nearest appropriate medical facility. This usually includes arranging to bring your traveling companion home with you. In the case of a death, the card benefit administrator can make arrangements for returning the remains of the deceased home. You will probably be responsible for many of these costs. Remember, if you have evacuation and medical assistance insurance, these costs will be covered in addition to assistance with making arrangements.
Your credit card may also provide prescription assistance to help you get prescriptions filled or replaced, subject to local laws, and can even arrange pickup and delivery service.
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