Exactly, I don't believe Chase covers medical during the trip
They sent me a 60-page PDF via email a few days ago. PDF too large to attach here, but here is a bit of text:
Emergency Medical and Dental Benefit:
• The Emergency Medical and Dental Benefit provides reimbursement for certain medical expenses incurred when Emergency Treatment for sickness or accidental injury is required during the course of a Common Carrier covered Trip. It covers only the medical expenses that are not covered by Your medical insurance and is supplemental to and in excess of any valid and collectible insurance or reimbursement.
• You must receive the treatment during the course of the Trip and upon the recommendation of the attending physician.