Emergency Benefits

Emergency medical evacuation means covering the expenses for sending an injured or ill person home or transporting him/her to a place where appropriate medical care can be obtained. Emergency reunion means covering the expenses for having a family member brought to the injured or ill insured during a medical emergency. The repatriation benefit pays the cost of preparing the body of a person who dies in a foreign country and returning the body to the deceased's home country. These benefits are often bundled together and included in international medical insurance and travel protection plans. However, these benefits can also be bundled together and offered as an economical stand alone annual plan, with no medical insurance or travel protection components, but with virtually unlimited coverage for emergency medical evacuation. For frequent international travelers, this type of stand alone plan is a prudent option to consider, especially for those with adequate worldwide medical insurance. This is so primarily because the emergency medical evacuation coverage that is included with most international medical insurance and travel protection plans is limited to a pre-set maximum dollar amount, usually $20,000 - $50,000. It is not uncommon for emergency medical evacuation costs to exceed the common pre-set limits by tens of thousands of dollars, especially when evacuation is from a remote location

See Also: Co-Insurance or Co-pay; Exclusions; Expenses; Family Plans;

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