Travel Insurance for Emergency Medical Evacuation Coverage

Co-Insurance: After paying the deductible, percentage or amount of covered expenses that the insured pays. For example, an insurance policy brochure may mention that the policy will pay 80% of the first $5,000 and 100% thereafter of the usual and customary charges; In some health insurance plans, it is also called "co-payment".

Deductible: Amount to be paid by the insured person before the insurance company begins to pay for the covered expenses. Deductible may be either per sickness/injury or once per policy period or once per year depending upon the insurance policy you purchase. You will not get receive any reimbursement later from insurance company for the deductible you pay. e.g., Let us consider that you have purchased an insurance policy with a $50,000 policy maximum, $250 deductible per policy period and 80/20 co-insurance. Suppose you incur a covered expense of $10,250; then the insurance company will pay the covered expenses according to policy terms after you make a a payment of the deductible (i.e. $250).

Emergency medical evacuation coverage is a type of travel insurance available on American Visitor Insurance that provides financial protection and assistance in the event that you require emergency transportation to the nearest suitable medical facility or back to your home country for medical treatment. It typically covers the costs associated with medical evacuation by air or other means, ensuring that you receive the necessary medical care in a timely manner. This is especially important when you are traveling in outside the US or on a cruise or in remote areas where good healthcare facilities are not readily available.

Emergency medical evacuation coverage is important because it helps ensure that you can receive appropriate medical care and be transported to a suitable medical facility if you experience a serious illness, injury, or medical emergency while traveling. It provides peace of mind knowing that you will be assisted and financially protected in case of a medical evacuation, which can be extremely costly. This is very useful when traveling outside the country and in regions where good hospitals are not easily available.

The specific coverage can vary depending on the travel insurance policy, but emergency medical evacuation coverage generally includes the following:

1. Transportation expenses: It covers the cost of transportation to the nearest appropriate medical facility or back to your home country.
2. Medical coordination: Assistance in coordinating and arranging the medical evacuation.
3. Medical evaluation: Evaluation by a medical professional to determine the necessity of evacuation.
4. Repatriation of remains: If the worst should happen and you pass away while traveling, this coverage can assist with the repatriation of your remains.

Yes, limitations and exclusions will apply depending on the travel insurance policy. Some common limitations include pre-existing medical conditions, high-risk activities such as hazardous or extreme sports, acts of war or terrorism, and self-inflicted injuries. It is important to review the different medical evacuation plans that are available on American Visitor Insurance to understand the specific limitations and exclusions before buying Med-Evac travel insurance.

No, emergency medical evacuation coverage is just one component of travel insurance. Travel health insurance generally provides coverage for medical expenses, emergency medical treatments, and travel related expenses due to unplanned adverse circumstance. Emergency medical evacuation coverage specifically focuses on arranging and covering the costs of transporting you to a suitable medical facility or back home in case of a serious medical emergency.

If you experience a medical emergency while traveling and require emergency medical evacuation, you should contact the travel insurance company's emergency assistance hotline immediately. They will guide you through the process, coordinate the evacuation, and provide the necessary financial coverage as per your policy. It's important to have the travel insurance details and contact information readily available during your trip.

Yes, some US travel insurance plans offered on American Visitor Insurance offer emergency medical evacuation coverage as a standalone policy or as an optional add-on to a basic travel insurance plan. However, it's more common for emergency medical evacuation coverage to be included as part of comprehensive travel insurance policies that also cover other aspects such as trip cancellation, trip interruption, and baggage loss.

Most travel insurance policies available on American Visitor Insurance include emergency medical evacuation coverage and provides coverage worldwide. However, it is important to compare different medical evacuation plans on American Visitor Insurance and to review the policy details to ensure that the coverage extends to your intended travel destinations. Some policies may exclude certain high-risk countries or regions, so it's important to clarify any limitations before purchasing the medical evacuation insurance.

The cost of emergency medical evacuation coverage can vary depending on various factors such as the duration of your trip, your age, the coverage limits, and the destination. Generally, travel insurance policies with emergency medical evacuation coverage are relatively affordable compared to the potential expenses involved in a medical evacuation. It's recommended to compare quotes on American Visitor Insurance to find a policy that suits your needs and budget.

While having health insurance is beneficial, it may not provide the same level of coverage and assistance as emergency medical evacuation coverage in travel insurance and they might not offer coverage in your destination, especially if it is outside your home country. Most health insurance plans do not cover the costs associated with emergency medical evacuation or repatriation. It is therefore advisable to buy travel insurance with emergency medical evacuation coverage to ensure comprehensive protection during your travels.