Have you ever read the details of your American Express Out of Province and Country Emergency Medical Insurance provided by your credit card?

I have summarized a few important details as you evaluate whether you need additional emergency medical insurance during your travels.

The following credit cards have the Out of Province and Country Emergency Medical Insurance coverage with American Express:

For other credit card issuers, information about their travel insurance policy is available here:

The information listed below is my interpretation of the insurance policy.

Coverage Eligibility

The basic coverage provided for all the listed cards are:

  1. Coverage is provided to the cardholder, cardholder’s spouse, and cardholder’s dependent children.
  2. Maximum coverage is C$5,000,000.

Exclusions of Basic Coverage

Important Exclusions:

  • Pre-existing medical conditions need to be stable at least 90 days prior to your trip departure date, for those under 75, or 180 days, for those 75 or older.
  • Scuba diving (unless you have a designation), motorized race, motorized speed contest, bungee jumping, parachuting, rock climbing, mountain climbing, hang-gliding or skydiving.

Coverage Benefits

BenefitsLimitations (C$)
Accommodation in a Hospital or Medical Facility-
Doctor's Bills-
Private Registered Nurse10,000
Ground Ambulance Service-
Air Ambulance ServiceNot Eligible
Paramedical Services$250 per profession
Diagnostic Services-
Medical Appliances-
Emergency Dental Treatment-
Emergency Dental Pain Relief250
Emergency Return Home-
Care and Return of Dependent Children-
Transportation to Bedside1 Round-trip Economy Class Ticket

$300 for accommodation, food & beverage
Traveling Companion BenefitNot Covered
Return of Deceased-
Meals and Accommodation150 per day
1,500 maximum

Only for meal and accommodation expenses incurred after the date you were scheduled to return to the departure point or if you need to be relocated for treatment.
Vehicle Return-
Incidental ExpensesNot Covered
Return of Excess Baggage500

Differences between cards

The major difference between the credit cards is what is the age group that is covered, how long they are covered for, and the maximum coverage provided.

Credit Card64 Years or Younger65 Years or Older
American Express Platinum150
American Express Gold Rewards Card150
American Express Cobalt Card150
American Express Aeroplan Reserve Card150
SimplyCash Preferred Card from American Express150


Wow, I am honestly surprised. I always thought the American Express Platinum would be the gold standard in travel insurance coverage for Canadians. However, it is actually one of the weaker providers as it does not provide any insurance coverage for anyone older than 65 years old. For a premium card brand, their travel insurance coverage