If your card expired last week, last month, or even last year, you’re not doomed. Just apply for a fresh one immediately. The process is identical to a renewal—you just have a blank card instead of a different expiry date.
But here’s the honest truth: if you’re already abroad and your card is expired, you might need to pay upfront for care and then claim reimbursement later. That’s a headache you can avoid by checking the date right now.
Stick a reminder in your phone for six months before it expires. Call it “Operation No Unnecessary Medical Bills.”
