Evacuation coverage is a vital part of a travel insurance policy. When you travel domestically, you might have medical transport coverage through a regular medical policy, however, when you travel internationally, it’s important to make sure you add evacuation coverage to your insurance policy.
Some areas have higher risks and require more insurance, and, in those cases, various types of evacuation coverage should be considered, such as political and medical coverage options.
Here are some types of evacuation coverage:
Political Evacuation Coverage
Depending on the trip, you may want to add extra insurance and opt for political evacuation coverage. This type of coverage is important for your security and safety, especially when traveling to high-risk countries. During your stay in a country where the political crisis happened, this type of coverage will ensure the safe evacuation, if the political events put your life at risk.
Due to the risk of hostage and ransom in some nations, everyone traveling needs to have some type of political evacuation rider, to make sure they are securely transported back home. When reviewing a policy, it’s necessary to understand all the details of the rider, so, research different political evacuation coverages, thoroughly.
Emergency Evacuation Coverage
Emergency evacuation coverage is recommended for the travelers who frequently visit countries that are endangered with natural disasters or various environmental problems. If you are often traveling to places where natural disasters such as hurricanes occur, or high-risk countries where there is a possibility of terrorist attacks, you should definitely explore your options, and choose an emergency evacuation coverage before the trip.
Medical Evacuation Coverage
Coverage for a medical evacuation policy should be reviewed for a deductible. If you find yourself in need, you’ll want to be sure you can pay the deductible for the air transport home. Often, there is a requirement of a life-threatening emergency in order to use medical evacuation coverage. Be sure to understand all the aspects of a policy before you decide on which policy to purchase.
Medical evacuation, added to travel insurance, covers much of the care you would receive during transport. Countries that have facilities similar to home, make people more comfortable, and they may choose to use the medical travel insurance instead of using the evacuation insurance because they are receiving top of the line care in the foreign country.
People may opt for less coverage when traveling to Europe, and more coverage when traveling to the Middle East. The considerations are not only about cultural dangers; medical facilities in Europe are more in line with the type of medical facilities you might find at home. Therefore, people may feel more comfortable in a European hospital than they would in a hospital located in a dangerous part of the Middle East.
Repatriation Evacuation Coverage
Not many people feel comfortable discussing repatriation evacuation coverage, for the obvious reasons, but it is really important to consider adding this option to your policy. Repatriation coverage, also known as the return of mortal remains, covers the cost of transportation of the remains back to home country.
Emergency Reunion Coverage
An option that you might want to consider adding to your insurance policy is the emergency reunion coverage. This type of coverage handles the expenses of a family (traveling expenses and in some cases accommodation costs) that travels to meet you when you’ve been evacuated because of a medical emergency.
To summarize, travel insurance is completely different than medical evacuation coverage, and learning the terminology as well as knowing what you are purchasing is important, so, ask questions!
Reach out to our friendly staff at WellAway, if you have any uncertainties or doubts about various types of evacuation coverage. We are looking forward to answering all your questions!