Primary And Secondary Dental Insurance Rules

Hey there, it’s Ernest from Trip Astute. Today, we’re going to dive into the world of emergency medical and dental coverage benefits that come with most travel credit cards. We’ll discuss whether these benefits are sufficient for the average traveler. So, if you’re planning your next adventure, keep reading to find out what you need to know about dental insurance rules.

Primary And Secondary Dental Insurance Rules
Primary And Secondary Dental Insurance Rules

The Importance of Having the Right Coverage

When we travel, unexpected medical and dental emergencies can happen, especially if you’re an active traveler. That’s why it’s crucial to have the right coverage when visiting a new place. Many premium travel cards offer an emergency medical and dental benefit as one of their travel perks. For instance, the Chase Sapphire Reserve provides coverage for up to $2,500 for emergency dental and medical expenses if you become sick or injured during your trip. The benefit even includes up to $75 per day in hotel expenses if you need to recover and it’s prescribed by a doctor.

Understanding the Limitations

Although these benefits might sound great, it’s essential to be aware of their limitations. Here are some stipulations you should keep in mind:

1. Coverage is Secondary

Your credit card’s medical and dental benefits will only pay for expenses beyond what is already covered by other insurance policies. If your regular medical insurance covers you while traveling, your credit card benefits will only come into play once your medical insurance is exhausted. Only if you don’t have medical insurance coverage while traveling will your credit card benefits become primary.

2. Coverage is Limited to Traditional Medical Services

It’s important to note that credit card coverage is limited to traditional medical services. Any treatments considered outside normal medical treatment, such as homeopathic or herbal remedies, are generally not covered by credit cards. To be covered, the service must be provided by a doctor in a hospital.

3. Coverage Excludes High-Risk Activities and Destinations

Certain high-risk activities, like skydiving or rock climbing, are explicitly excluded from the coverage. Additionally, countries deemed unsafe by the US Government are also excluded. Check the State Department’s travel site and enroll in the STEP program to find out if your destination is on the exclusion list.

4. Coverage Only Extends to Spouses, Domestic Partners, and Children

When traveling, credit card benefits typically only cover spouses, domestic partners, and children. Other extended family members or friends won’t be covered, even if you paid for their travel expenses on your card. However, children up to age 18 are covered, and if they are authorized users on your account, they will also benefit from the coverage.

5. Limited Dental Benefits

Keep in mind that some dental situations may not be covered by the benefit. While emergency tooth extractions are typically covered, losing a filling or having a crown fall out may not be covered under the policy.

6. Medical Evacuation Coverage is Limited

In the unfortunate event that you require medical evacuation, most credit cards will cover the evacuation to a major hospital. However, the transport back to your home country is typically not covered. This is especially important to consider when booking a tour with a multi-day tour company.

7. Contact Your Issuer Immediately

In the event of a medical emergency, it’s crucial to contact your credit card issuer as soon as possible. It’s a good idea to confirm that the requested medical service will be covered before receiving care, but only if the situation is not critical or life-threatening.

Considerations and Alternatives

Given the various rules and limitations surrounding credit card benefits, it may be more advisable to purchase a cheap travel insurance policy before your trip. This will provide you with better peace of mind, knowing that you’re fully covered in case of an emergency. We’ll cover travel insurance policies in a separate video. In the meantime, if you’re looking for a travel insurance provider, I recommend checking out World Nomads. I’ve used them on many trips and have always been pleased with their service and prices.

Have you ever had to use your credit card’s emergency medical benefit? We’d love to hear about your experience! Drop your story in the comments section below. And if you found this information helpful, please give our video a thumbs up and consider subscribing to our newsletter on our website for more travel articles, updates, and contests.

Until next time, travel safe and travel smart!

Credit Card Insurance