Limits of credit cards abroad

Almost all credit cards provide insurance and assistance benefits to help you in an emergency situation (transportation/repatriation, advance of hospitalization fees, lost or damaged luggage, third-party liability, etc.) during short stays of less than three months.

Who is covered by the credit card?

The credit card’s holder as well as his/her spouse or common-law spouse.
Coverage is also provided to:

Limited coverage duration

It is important to know that coverage provided by your credit card has a limited duration. Therefore, whatever your credit card, your coverage will usually only be effective for a 90-day period (three months). After this, you will no longer benefit from any healthcare and assistance coverage abroad if you have not taken out international healthcare insurance on your own.

Limited aggregate limits

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Credit cards may cover your healthcare expenses up to a certain limit:

These aggregate limits can be quickly reached and exceeded, in particular in the case of “standard” cards, as for example a day of hospitalization in the USA may cost several thousand euros.
Also, you do not benefit from lost or damaged luggage insurance if you hold a standard MasterCard or Visa card and you are only covered up to €800 per claim if you hold a Visa Premier card or MasterCard Gold card.

A deductible is applied to all your reimbursements

Whatever your type of credit card, please note that a deductible of €50 to €75 will be charged for each event, whether you claim insurance or assistance benefits.

In a word

Insurance benefits provided by your credit card (Visa, MasterCard, American Express) allow you to face certain emergency situations such as an unforeseen illness* or an accident*, on condition that the claim does not entail major consequences. Indeed aggregate reimbursement limits may be far too low to cover healthcare expenses incurred in some countries where medical costs are very high (e.g.: USA, Canada, China, etc.).

Our recommendations

If you are going abroad for more than three months and are looking for insurance coverage similar to what you are accustomed to in your home country, we recommend you take out international healthcare insurance for all your healthcare expenses. It is also important to consider purchasing insurance coverage for assistance/repatriation, death & disability, legal protection and/or third-party liability (not included in a standard MasterCard or Visa credit card), which are all essential benefits when leaving on expatriation!

To find the solution that best meets your needs, go to “Our Solutions” or let us guide you through our on-line assistance form. Our comprehensive offers provide solutions suited to all according to the level of coverage desired, age, family situation and country of expatriation. You will benefit from large aggregate limits which will allow you to go abroad with total peace of mind.

You can check the details of your credit card’s benefits and exclusions on the following websites:

*Accident: any unintentional personal injury suffered by an insured member and arising exclusively from the sudden unexpected effects of an external cause (such as sprains, fractures, etc.).
*Unforeseen illness: a sudden and unforeseeable deterioration of an insured member’s health, as certified by a medical practitioner, for which surgery or treatment are required and cannot be delayed until return or repatriation to the country of residence.

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