Have you ever read the details of your BMO Out of Province Emergency Medical Protection 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 Emergency Medical Protection Insurance coverage with BMO:

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. Coverage is up to $5,000,000 per insured person per trip.
  3. The dependent children must be traveling with the cardholder or the cardholder’s spouse

Exclusions of Basic Coverage

Important Exclusions:

  • Pre-existing medical conditions need to be stable at least 90 to 180 days prior to your trip departure date, depending on the credit card and your age.
  • Scuba diving (unless you have a designation), motorized race, motorized speed contest, bungee jumping, parachuting, rock climbing, mountain climbing, hang-gliding or skydiving amongst other activities.

Coverage Benefits

BenefitsLimitations (C$)
Accommodation in a Hospital or Medical Facility-
Doctor's Bills-
Private Registered Nurse5,000
Ground Ambulance Service-
Air Ambulance Service-
Paramedical Services150 per covered person per profession
Diagnostic Services-
PrescriptionsUp to 30 days of supplies
Medical Appliances-
Emergency Dental Treatment$2,000
Emergency Dental Pain Relief$150
Emergency Return Home-
Care and Return of Dependent ChildrenNot covered
Transportation to Bedside200 per day for a maximum of 10 days for meal and hotel accommodation
Return of Deceased3,000
Meals and Accommodation$200 per day
$2,000 maximum
Vehicle Return$1,000 for your return of private or rentla vehicle
Incidental ExpensesNot covered
Return of Excess BaggageNot Covered

Differences between cards

The major difference between the credit cards is what is the age group that is covered by the insurance and how long they are covered for.

Credit Card64 Years or Younger65 Years or Older
BMO eclipse Visa Infinite150
BMO Air Miles World Elite MasterCard150
BMO Ascend World Elite MasterCard210
BMO eclipse Visa Infinite Privilege223
BMO Cashback World Elite MasterCard80

Conclusion

One unique situation about the BMO credit cards are that the benefits are quite limited once you are above 65 years of age.