If you find yourself caught in a medical emergency while in another country, transportation can cost you thousands of dollars. With emergency evacuation and repatriation of remains insurance coverage, a medical dilemma does not have to turn into a financial one as well. It is important to obtain the best international travel medical insurance for your situation so that your stay will be as comfortable as possible.
It was a crisp winter morning in New Zealand. Henry had just relocated for his job and could not resist the fresh powder that was snow. He breathed it in and glanced up at the top of the mountain, wondering what it must feel like to be closer to the sky. Until he found himself waking up with a serious injury, skiing sounded like a good idea.
Relocating to another country for a period of time can be exhilarating. You’re immersed into a new culture, filled with knowledge you didn’t previously have, and you have the privilege of seeing the world from a new perspective. Although nobody plans to encounter an emergency while out of the country, there is a chance that it can happen, and if it does, you will want to have the proper international travel medical insurance so a devastating situation doesn’t turn into something much worse.
What Is Emergency Medical Evacuation?
Emergency medical evacuation insurance coverage provides benefits if the insured suffers from a medical emergency which requires immediate transportation. Depending on the seriousness of the patient’s condition, transportation may be focused on getting to the nearest location equipped to treat the condition. However, it typically is more complicated than this and may require the use of oxygen and other special equipment to keep the injured individual safe until arrival. When an individual utilizes their emergency medical evacuation coverage, the tending physician will determine the closest medical facility appropriate to treat your needs. Some plans will also cover the cost of bringing a loved one to the medical facility where your treatment is taking place, providing transportation for your dependent children to your home or other location, and other special benefits. When finding a health insurance plan that includes evacuation, make sure to look not only at the coverage of the evacuation, but these additional benefits related to an evacuation situation.
What is Repatriation of Remains?
If a covered individual dies due to a covered illness or injury on their plan, the repatriation of remains benefit consists of the international travel medical insurance company providing the transportation needed to return a covered person’s body to his home or nearby funeral or cremation facility. Repatriation of remains will not include the coverage of funeral, burial, or cremation expenses along with relating items such as coffins or urns.
Is It Worth It?
Many people hesitate to purchase emergency medical evacuation or repatriation of remains insurance coverage because of financial reasons. In many cases like when applying for certain visas, purchasing an insurance plan with these benefits will be required. If this insurance coverage is not required for your stay overseas, it is important to purchase a plan for your health and financial well-being. Financial limits for emergency medical evacuation insurance will often range from $25,000 to $100,000. Since the cost of evacuation is so high, this insurance is extremely important to consider.
How to Purchase
Many times this coverage will already be included in your travel insurance plan, if you already have an international health insurance plan, find out if it is already included in your plan. If not, you are able to purchase this insurance coverage as a stand-alone plan. Whether or not you purchase this insurance with a package plan or a stand-alone plan is your decision and depends on your preferences and priorities.
Purchasing international travel medical insurance can be an overwhelming experience since you want to make sure you are getting the best value, coverage and chance at treatment during your stay in another country. Make sure you always find out how much an insurer will cover before committing to a plan. As mentioned above, make sure that if you already have the proper international health insurance, check with your provider to see if you are already paying for medical evacuation and repatriation insurance, or if the company will allow you to receive the insurance benefit as an add-on option. If it is a priority for you, check to see if your plan will provide reimbursement to bring a family member to you if you are hospitalized or to return your children home.
The question of how important it is to obtain emergency medical evacuation and repatriation of remains insurance coverage is answered every time someone travels. Though nobody wishes to be critically injured during their stay, what could be a frightening situation can be smoothed over when the situation has been prepared for ahead of time by traveling proper insurance.