The travel medical insurance in a travel insurance plan can pay for doctor and hospital bills, X-rays, lab work, medicine and other associated expenses, up to your medical coverage limit. Your travel insurance company will work as a liaison to arrange the transportation on your behalf, which can come in handy during a medical crisis in a foreign country. Medical evacuation benefits help if you become seriously ill or suffer a severe injury during your trip and there are no local hospitals with the resources to treat your condition.įor example, if you suffer a serious injury in a car accident in China, your travel insurance company can arrange for medevac services to the nearest hospital equipped to care for you, which can be elsewhere in China, another country or even back in the U.S. When Do You Need Medical Evacuation Insurance? If you or a traveling companion die during your trip, the cost of transporting remains home can be covered by repatriation benefits included in your evacuation coverage. This benefit also usually has a minimum number of days for hospitalization you must meet to file a claim. Your benefits can compensate for the cost, minus any refunds for unused plane tickets. If you’re hospitalized during your trip and traveling with your children, your travel insurance company can arrange for your children to fly home or to another U.S.-based location. Some medical evacuation benefits include compensation for hotel stays, meals and other reasonable costs your traveling companion has while staying near you. For example, if you’re told you’ll be hospitalized for seven days or more, your benefits might apply. This benefit usually has a minimum hospital-stay requirement. If you’re hospitalized during your trip following an illness or injury that is covered by your policy, your medical evacuation travel insurance can pay for a round-trip flight for a friend or family member to come stay with you. The cost for a friend or family member to travel to you If you require specialized care for the flight home, like a medical professional who can administer intravenous antibiotics or oxygen during your flight, medical evacuation insurance can pay for associated costs for medical escort services. for further treatment or to recover, it can pay for the flight home. Or, if you’ve been treated but you need to fly back to the U.S. It can also pay for you to be transported back to the U.S. Medical evacuation insurance can pay for the cost of emergency transportation to the nearest adequate treatment center if you become seriously ill or injured while traveling and require immediate care. Here’s what medical evacuation insurance typically encompasses. What Does Medical Evacuation Insurance Cover? from the following countries can cost the following: Durazo says emergency medical transportation to the U.S. “The cost of emergency medical transportation can run into the tens of thousands of dollars or more, especially if you’re in a remote destination,” says Daniel Durazo, a spokesperson with Allianz Global Assistance.Įxactly what you’d pay for emergency evacuation would depend on your medical condition, the care required and your location. That might seem high, but evacuation costs can add up quickly. The best travel insurance plans provide up to $1 million per person for medical evacuation. The maximum coverage amount will vary by plan, so be sure to shop around for a high coverage amount if this is important to you. It’s sometimes called medical evacuation and repatriation insurance. Find Policies Now What Is Emergency Medical Evacuation Insurance?Įmergency medical evacuation insurance is generally included in a comprehensive travel insurance plan.
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