I went to http://peoples.com and couldn't peruse your account (I'd need your CC number, SSN number, and lots of other stuff). According to http://www.peoples.com/creditcards/platinum_benefits , * Free Travel/Accident Insurance: When you use your card to purchase airline, train, bus or cruise ship tickets, you're protected automatically with up to $1,000,000 in free travel/accident insurance. And when you use your People's Bank Platinum MasterCard to purchase tickets for your spouse and/or unmarried, dependent children under age 25, they'll enjoy the same coverage--free! I don't know if this is specifically health-related or covers merchandise as well. Perhaps if you get time, you could call People's and ask them about our particular situation.