Medical evacuation insurance plans, often called Medevac plans, are focused on emergency medical evacuations, international security evacuations and repatriation.
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What is Medical Evacuation Coverage?
How does Medical Evacuation Coverage Work?
What makes Medical Evacuation travel insurance unique?
Why would you need Medical Evacuation travel insurance?
What coverage is included in Medical Evacuation travel insurance?
Who should buy Medical Evacuation travel insurance?
How much does Medical Evacuation travel insurance cost?
Where should you buy your Medical Evacuation travel insurance?
Which companies offer Medical Evacuation travel insurance plans?
Just because you get injured and require medical transportation doesn’t mean you will be sent all the way back to your home. When a well-planned trip goes awry and you, or someone you love, desperately needs immediate medical attention, this is where medical evacuation coverage comes through.
Most travel insurance policies cover transportation to the nearest facility and leave you there for treatment. They decide where you go, not you. They decide what is considered an acceptable medical facility for your care, not you. Once they get you to the hospital, their obligation is finished. You will then be liable to cover the cost of getting home or getting transported to a hospital at home that can complete your treatment.
Medical evacuation coverage gets you transported to the hospital of your choice and then, after you are well enough to be repatriated, it transports you to your hospital at home.
Most travel insurance plans include basic coverage for medical evacuation. According to the terms of your contract with them, they take you to the nearest facility that can handle your emergency.
This means you have:
Medical evacuation insurance is important because each year over 10 million travelers are hospitalized abroad and over two million require emergency medical transportation. And medical transport is not cheap.
When you need a medical evacuation, you will contact your plan provider and they will coordinate your medical evacuation, handle family communications, provide translation services, and provide support every step of the way. When you’re well enough to travel home, they will arrange for medical transportation to your choice of hospital back home.
There are essentially two types of evacuation coverage:
Medical evacuation covers the coordination and cost of transportation to a medical facility. Depending on your need for treatment, it will also transport you either to your home or to a medical facility at home that can continue your care.
Security and political evacuation covers your transportation away from an unsafe place to a safe one. Depending on how the situation develops, you and your dependents can be returned to your trip destination or back home.
A medical evacuation insurance plan provides coverage for evacuations and repatriation for individuals who travel either internationally and/or for business reasons on a regular basis.
Medevac plans focus on emergency medical evacuations, international security evacuations, and repatriation. The travel insurance company must handle the coordination of these efforts and they usually take care of payments to the rescue team as well. Evacuations are covered up to the policy limits and only for covered reasons listed in the policy document.
Medevac plans often include emergency medical reunion benefits and return of minor children benefits, so you can care for the people who are important to you as well.
Many medevac plans include AD&D and/or term life benefits as well. These are paid regardless of whether the insured has other AD&D or life insurance benefits to the beneficiary(ies) listed on the application form.
A few medical evacuation plans include some package-like benefits, including:
The following coverage is typically found in a Medical Evacuation travel insurance plan.
Travelers like these should purchase medical evacuation travel insurance:
The factors that affect the cost of a medical evacuation plan include:
An annual medical evacuation plan will cost a traveler around $200.00 and cover all the trips taken during the year. A single-trip medevac plan will cost a traveler between $45 and $68 (depending on the factors above).
You have two options for buying travel insurance – the best option is to compare plans from all companies, get quotes, and purchase your travel insurance plan online:
All travel insurance companies include a free look period with a refund that lets you review the plan documentation. If you decide you need something a little different, you can make changes to your policy or cancel it for a refund (minus a small fee).
Damian Tysdal is the founder of CoverTrip, and he believes travel insurance should be easier to understand. He started the first travel insurance blog in 2006.