Non-Medical Evacuation Insurance

What is Non-Medical Evacuation Insurance?

Non-Medical Evacuation is a travel insurance benefit that provides coverage for evacuation services to get you out of danger and to a place of safety during a covered trip.

This benefit is designed to keep you safe in the event of an unforeseen non-medical emergency, such as a natural disaster, civil unrest, or political unrest.

Non-Medical Evacuation coverage can range from $10,000 to $150,000 per person, depending on the policy. It’s important to note, however, that not all travel insurance policies include this protection.

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FAQs: Non-Medical Evacuation Insurance

What Does Non-Medical Evacuation Insurance Cover?

Non-Medical Evacuation covers all reasonable expenses incurred to transport a traveler to the nearest place of safety as determined by your insurance company or their travel assistance services. Depending on the situation, this benefit may cover emergency transportation back to your home country, known as repatriation.

Common covered reasons to utilize your Non-Medical Evacuation benefit include:

• Natural disaster
• Civil, military, or political unrest
• A terrorist incident at your destination
• You are expelled or declared “persona non grata” from your host nation

Coverage may differ from one travel insurance plan to the next. To view the non-medical emergency events covered by a policy, you can reference its Certificate of Insurance at any time.

What Is Not Covered by Non-Medical Evacuation Insurance?

Not all non-medical emergency evacuations are eligible for reimbursement through travel insurance.

While exclusions vary from one plan to the next, examples of events in which coverage would apply include:

• A political or security evacuation at your home country
• The civil or political unrest at your destination precedes your arrival date
• There was a level 3 or higher travel advisory at your destination prior to your departure date
• You waited over 7 days to notify your provider of an evacuation notice

What Are the Coverage Limits for Non-Medical Evacuation?

Coverage limits, meaning the maximum reimbursement amount an insurance company agrees to pay, can vary widely. Most plans that include Non-Medical Evacuation coverage will offer between $10,000 to $150,000 per person in protection.

Coverage for this benefit is typically significantly less than a policy’s Emergency Medical Evacuation coverage, which can exceed $1,000,000 in coverage. Reimbursement limits are generally lower for non-medical evacuations because there is less need for medical care during transport.

Is Non-Medical Evacuation Insurance Coverage Necessary?

Like other travel insurance benefits, Non-Medical Evacuation can provide you peace of mind and financial protection when traveling abroad. This coverage can be especially helpful if you have concerns about a non-medical emergency, such as a natural disaster or political unrest, impacting your travel plans.

Before traveling, it’s always important to check the U.S. Department of State travel advisories in place at your destination. Doing so can alert you to any potential dangers or threats, and give you time to make changes to your itinerary if needed.

As always, be sure to read the fine print of your policy before purchasing to ensure you fully understand its coverage, exclusions, and limitations.

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Please be aware that coverage and eligibility requirements for this benefit differ by policy.

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