This coverage provides for medically necessary evacuation to a medical facility, medically equipped flights to return home, or the repatriation of mortal remains to your primary residence. (A repatriation definition is provided below.)
|Contents (click to jump down)|
What does Emergency Evacuation/Repatriation cover?
What is NOT covered
Is there coverage for non U.S. citizens?
Important notes about this coverage
What type of policy covers this?
How much coverage does each company provide?
Carol and her young son, Jacob, were on a skiing holiday in Switzerland. Carol’s husband, Richard, had to remain at home due to concerns about a buyout at his employer.
On their second afternoon, Carol was skiing some distance behind Jacob when her ski caught an icy edge and she tumbled off the slope into a deep ravine. Jacob witnessed the accident and was able to ski down to alert the rescue teams who found Carol nearly buried in snow, unconscious, and bleeding. The team at the bottom of the slopes worked with Jacob to call his father in the States and Richard contacted their travel insurance provider for assistance. Carol was air-lifted to a nearby hospital where they began treating her injuries. Richard was able to join his family with emergency travel assistance from the travel insurance plan operators. A week later, when Carol was stable and able to travel, their travel insurance provider arranged a commercial flight to send the family home.
The emergency medical evacuation coverage provides benefits payable up to the policy limit in if the insured suffers a medical emergency and requires transportation. It’s important to understand that this coverage is not medical coverage. Instead, it is coverage for medically necessary transportation.
The method of evacuation is determine based on the patient’s condition and location. For example, in less severe cases (such as a broken leg) a patient may be transported by air and then transferred to commercial airline service. In other cases, evacuations are complex procedures involving:
If you are seriously ill or injured during your trip, this coverage will determine the closest medical facility appropriate to your needs and make arrangements and pay to transport you to that facility. After receiving medical care, this coverage provides assistance arranging and paying for you to be transported by commercial transportation carrier to either:
In many policies, emergency medical transportation coverage also includes the following benefits:
The term repatriation is not familiar to most travelers, so we’ve provided a definition here. Repatriation coverage means that the travel insurance company arranges for and handles the transportation necessary to return a covered person’s body to his or her home or to a nearby funeral or cremation facility.
This benefit will arrange and pay for reasonable and necessary expenses, including, but not limited to, expenses for embalming, an appropriate container for transportation, and shipping costs to transport your remains via the most direct and economical route.
Some travel insurance plans also provide non medical evacuation services or security/political evacuations.
This benefit does not include funeral, burial, or cremation expenses or related containment expenses for items such as urns or coffins.
Yes, there are some travel insurance plans that provide this coverage for non U.S. citizens. Specifically:
All travel insurance companies offer at least a few plans ‒ both travel and medical plans ‒ with emergency medical evacuation and repatriation benefits. In some travel plans, the travel insurance company may not provide additional benefits for the return of dependent children or a bedside visit.
|POLICY||COMPANY||RETURN OF CHILDREN||BEDSIDE VISIT||POLICY LIMIT||REPATRIATION LIMIT|
|Annual Business Traveler||Allianz||Yes||$250,000|
|Annual Travel Protection||Allianz||Yes||Yes||$100,000|
|Custom Luxe||CSA||Yes *||Yes||$1,000,000|
|TravMed Choice||FrontierMEDEX||Yes *||Yes *||$100,000||$20,000|
|TraveMed Global||FrontierMEDEX||No limit||No limit|
|TravMed International||FrontierMEDEX||No limit||No limit|
|SafeTrip||FrontierMEDEX||Yes||Yes||No limit||No limit|
|TravMed Abroad||FrontierMEDEX||Yes||Yes||No limit||No limit|
|Plus Scholastic||FrontierMEDEX||Yes||Yes||No limit||No limit|
|Preferred Plus||Global Alert||Yes||Yes||$1,000,000|
|Diplomat LT||Global Underwriters||Yes||$300,000||$20,000|
|Diplomat International||Global Underwriters||Yes||$300,000||$20,000|
|Diplomat America||Global Underwriters||Yes||$300,000||$20,000|
|International Group Medical||Global Underwriters||Yes||$5,000-$75,000||$5,000-$50,000|
|TravelGap Voyager||HTH Worldwide||Yes *||$500,000||$25,000|
|Trip Protector Preferred||HTH Worldwide||Yes *||$1,000,000|
|Global Citizen (annual)||HTH Worldwide||$100,000||$25,000|
|TravelGap Multi-trip Gold||HTH Worldwide||Yes *||$500,000||$25,000|
|TravelGap Excursion||HTH Worldwide||Yes *||$500,000||$25,000|
|TravelGap Multi-trip Silver||HTH Worldwide||Yes *||$250,000||$15,000|
|Trip Protector||HTH Worldwide||Yes *||$1,000,000|
|Advantage Complete||MH Ross||Yes||Yes||$1,000,000|
|Advantage Asset||MH Ross||Yes||Yes||$50,000|
|Advantage Bridge||MH Ross||Yes||Yes||$500,000|
|RoundTrip Elite||Seven Corners||$500,000|
|Liaison Worldwide||Seven Corners||Yes||Yes||$300,000||$50,000|
|Liaison Silver||Seven Corners||Yes||Yes||$300,000||$50,000|
|RoundTrip Economy||Seven Corners||$250,000|
|RoundTrip Choice||Seven Corners||Yes||Yes||$1,000,000|
|Liaison Majestic||Seven Corners||Yes||Yes||$300,000||$50,000|
|Liaison International||Seven Corners||Yes||Yes||$300,000||$50,000|
|Liaison Reside||Seven Corners||$25,000-$50,000||$20,000-$25,000|
|Wander Frequent Traveler||Seven Corners||Yes||Yes||$300,000||$50,000|
|Inbound Immigrant||Seven Corners||$10,000||$7,500|
|Liaison Continent||Seven Corners||Yes||Yes||$300,000||$50,000|
|Liaison Student||Seven Corners||Yes *||$100,000||$25,000|
|Liaison Traveler (multi-trip)||Seven Corners||Yes *||Yes||$20,000|
|Inbound Guest||Seven Corners||$50,000||$7,500|
|Liaison Reside Prime||Seven Corners||Yes *||$250,000||$25,000|
|Missionary||Seven Corners||Yes *||Yes *||$50,000||$7,500|
|Travel Select Advantage||Travelex||$500,000|
|Business Traveler||Travelex||Yes||Yes||$1,000,000||(included in Evacuation limit)|
|Savvy Traveler||Travel Guard||$100,000||(included in Evacuation limit)|
|Sportsman’s Travel **||Travel Guard||Yes||$500,000||(included in Evacuation limit)|
|TravelRite||Travel Guard||Yes||$100,000||(included in Evacuation limit)|
|Worldwide Health International||Travel Guard||Yes||Yes||$500,000||(included in Evacuation limit)|
|Tee, Tour, and Travel **||Travel Guard||Yes||$500,000||(included in Evacuation limit)|
|My Travel Guard||Travel Guard||$100,000|
|Basic||Travel Guard||$100,000||(included in Evacuation limit)|
|Adventure **||Travel Guard||Yes||$500,000||(included in Evacuation limit)|
|Pack ‘n Go||Travel Guard||$300,000||(included in Evacuation limit)|
|Business Traveler||Travel Guard||Yes||$500,000||(included in Evacuation limit)|
|MedEvac (annual)||Travel Guard||Yes||Yes||No limit|
|WorldMed||Travel Insurance Services||Yes||$100,000-$500,000||$20,000-$50,000|
|Study USA||Travel Insurance Services||Yes||$500,000||$100,000|
|Select Elite||Travel Insurance Services||Yes||Yes||$100,000|
|InterMedical||Travel Insurance Services||Yes||Yes||$50,000-$75,000||$7,500|
|Select Basic||Travel Insurance Services||Yes||Yes||$25,000|
|Visit USA||Travel Insurance Services||$75,000-$150,000||$20,000|
|Select Plus||Travel Insurance Services||Yes||Yes||$1,000,000|
|Trip Protector Lite Expanded||Travel Insured||Yes||Yes||$100,000|
|Trip Protector Lite||Travel Insured||$200,000||$100,000|
|Worldwide Trip Protector||Travel Insured||Yes||Yes||$500,000|
|Worldwide Trip Protector Gold||Travel Insured||Yes||Yes||$1,000,000|
|Atlas Travel Medical||Travel Insured||Yes||Yes||$500,000||$50,000-$1,000,000|
* Limited maximum payout
** Optional upgrade
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.