Good to know. Apparently my one, which is a travel related CC with annual fee, doesn't provide this benefit.

If yours does, I would still read the fine print and compare with ones on insuremytrip. I picked a random CC and read its benefits, and did not see one involving serious illness - only death, accidents, and things like flight delays.

Edit: Checked again: Apparently mine does provide travel insurance. But as expected, not for serious illness (e.g. stroke that requires medical evacuation - happened to someone I know during travel). Also, it only covers issues related to the mode of travel. So if you're in the Bahamas for 2 weeks, and you get into accident a week in, that is excluded. With insuremytrip plans, the whole duration of stay is covered.

Medical evacuation (unrelated to method of travel) is specifically one of the benefits of an Amex Platinum card, as long as you’re more than 100 miles from your address. Maybe worth $700/year, maybe not.

See: https://www.americanexpress.com/us/credit-cards/features-ben...

If you travel a lot every year, I can see it being more affordable than buying insurance each time. Typically when I buy travel insurance it's $50-200 per trip.

Too lazy to look up whether Amex provides for problems during the trip (beyond evacuation), as opposed to merely during travel.