Imagine though, if this had happened while out of town, on a trip. Finding a dentist in the US can be fairly easy, but what do you do if this were to happen overseas?
This is especially true with credit card coverage.
- Trip Cancellation & Interruption
- Trip Delay
- Missed Cruise Connection
- Baggage & Personal Effects
- Baggage Delay
- Emergency Medical or Dental Expense
- Emergency Evacuation
- 24 Hour and Flight AD & D
For example, on car rentals, most cover collisions but not necessarily liability. Coverage may be OK in the US, but not necessarily when driving internationally. Call your credit card company for details!
A low percentage of cards have trip cancellation coverage, but again, check the details as coverage tends to be quite limited. While a few cards cover up to $10,000, most are a lot lower, some as low as $1500 on an annual basis. Some only cover the flight portion of the trip, and weather related reasons are limited. Most international trips are quite a bit higher than this amount.
Aside from coverage levels and inclusions, the biggest difference, and in my opinion the most important, is with emergency medical and evacuation coverage. Most cards provide no coverage. They do offer assistance in finding medical help, but you any medical expenses will not be covered or reimbursed.
Bottom line, call for details on both types of coverage. This will help you make the best and most informed decision.