Medical Evacuation and Emergency Medical benefits are some of the most commonly sought out benefits among travelers. However, when choosing a travel insurance policy with medical benefits, it is important to know what each benefit will cover.
The Medical Evacuation and Repatriation benefit covers the transportation of a patient to a nearby and appropriate medical facility. If it is necessary for the patient to return home for care, it would also cover the cost to return home. It is very rare for evacuation costs to exceed $100,000, so travelers should not feel like they need to purchase million dollar policies. Repatriation of remains would provide coverage to transport the remains of a deceased person to their home country. It is also important to note that transportation arrangements would need to be arranged with the travel insurance provider through the 24-hour assistance number.
Emergency Medical coverage accounts for the cost of care in the event of an unexpected medical emergency while traveling. However, if an emergency results from a Pre-Existing Condition and Pre-Existing Condition coverage is not included, a traveler may not receive reimbursement for the trip cost. Routine check-ups or physicals would also not be covered. Squaremouth recommends a minimum of $50,000 in Emergency Medical coverage on a travel insurance policy.
When purchasing a travel insurance policy, always pay close attention to the policy certificate in order to understand what specific benefits are included.