Emergency Medical Evacuation And Travel Insurance: European Traveler’s Protection

Emergency Medical Evacuation And Travel Insurance: European Traveler’s Protection – While most budget travelers are content with a standard travel insurance package, today I wanted to talk about one specific aspect that I get a lot of questions about: getting additional medical evacuation insurance.

When I first started traveling the world, I thought standard travel insurance would cover the cost of getting home if I were injured overseas. Isn’t that what their “medical evacuation” coverage does?

Emergency Medical Evacuation And Travel Insurance: European Traveler’s Protection

If you read the fine print, most travel insurance companies only cover your medical transportation to the “best” medical facility near you. This is what they call “nearest acceptable facility”.

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And once your travel insurance company sends you to the hospital, they have fulfilled their evacuation obligation to you. This means that if you are not sent home, you may be required to cover the cost of getting home, which can be a lot of money.

Now, that’s not to say that “normal” travel insurance is bad. It just means that people think it covers a lot more than it does and are often upset when they find out otherwise. I mean, I love travel insurance (I never go without it), but it’s important to know its limits. Always read the fine print!

This is where comprehensive medical evacuation coverage can come in handy in addition to your existing travel insurance plan.

First, let’s make one thing clear: medical evacuation insurance is not exactly the same as travel insurance (and vice versa).

Medical Evacuation And Repatriation Insurance

Of course, travel insurance typically includes medical evacuation insurance, but travel insurance is specifically designed to protect travelers against financial loss in the event of trip interruptions and cancellations, as well as physical injury. stranger.

Most travel insurance plans include decent coverage for medical evacuation, but they only get you to the nearest facility that can handle your emergency. That means:

When I was stabbed in Colombia, I went to a local hospital. I was alone, left to navigate the process with what little broken Spanish I knew. Although I received basic medical care, it wasn’t exactly the best in the world. I returned to the United States soon after to get the care I needed.

I was lucky that I didn’t need surgery and was able to handle the situation on my own. I did not necessarily need medical evacuation insurance for this incident.

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But not everyone will be so lucky. Earthquakes, monsoons, hurricanes, floods and fires happen – and the list goes on.

Each year, 10 million travelers are hospitalized abroad, including more than two million requiring medical transport. And if you need to be evacuated due to an injury, weather event, or political crisis, you certainly don’t want to be stuck with a costly repatriation bill. After all, evacuation and transport are not cheap. The costs of a medical evacuation or medical transfer can range from $30,000 to over $200,000.

Unless you have that kind of cash lying around, you’ll want to make sure the insurance you buy covers you for medical evacuation, transportation, transfers, and repatriation. You don’t want to be stuck in a foreign medical facility, especially if that facility doesn’t provide the level of care you need.

While these types of emergencies are rare, it’s better to pay a small fee now than risk bankruptcy from an unexpected injury. Because $200,000 is a lot of money!

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Just as important as the financial argument for medical evacuation insurance is the fact that having comprehensive coverage gives you peace of mind. You and your loved ones can relax knowing that if the worst should happen, you have a business out there that is ready and able to help you through it. The last thing you want while on vacation is to worry about the fine print on your insurance policy.

Over the past decade, I’ve had to deal with all sorts of hiccups on the road, ranging from minor inconveniences, like a broken camera and lost luggage, to more serious situations, like when I broke down my eardrum.

That’s why more and more travelers are making sure they have medical evacuation insurance AND are joining medical transportation membership programs to ensure they can get to a hospital from home.

Medjet is a membership program that provides comprehensive medical transportation services worldwide. They have access to hundreds of air ambulances, expert medical transport escorts and personnel located around the world, and if you also have their security coverage, you have 24/7 access to a network world of security and crisis experts for in-country response. and evacuation if necessary!

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Medjet has the best reputation for medical transportation services. They were the first medical transportation program in the United States and have been doing so for nearly 30 years. They specialize in hospital-to-hospital transportation, making them the go-to company for travelers concerned about medical evacuation and repatriation. All the travel professionals I know use it.

Where most insurance companies will simply take you to the nearest medical facility, Medjet will make sure you get to the hospital at home.

However, it is also extremely affordable – I am still a budget traveler after all! Medjet offers short-term and annual plans. An annual subscription can cost as little as US$315 per year, which is incredible value if you’re an avid traveler.

If you’re looking for coverage that goes beyond what most companies offer, you might want to consider Medjet, especially if you’re concerned about the cost of medical evacuation.

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It is also the perfect choice for anyone looking to do adventurous activities or travelers heading to an area where extreme weather events (such as hurricanes or floods), fires or earthquakes are common. .

Medjet also includes COVID-19 coverage, so if you are hospitalized overseas with COVID-19 and need to be repatriated, Medjet has you covered (with some restrictions). You can read Medjet’s full COVID policy here for more information.

Nobody likes to imagine that something is wrong during their trip. But accidents and emergencies happen. Make sure you have the evacuation insurance coverage you need on your next trip. You will not regret it !

Find a cheap flight using Skyscanner. It’s my favorite search engine because it searches websites and airlines around the world so you always know that no stone is left unturned.

Do You Need Medical Evacuation Insurance In 2023?

You can book your hostel with Hostelworld. If you want to stay somewhere other than a hostel, use Booking.com as it consistently offers the cheapest rates for B&Bs and hotels.

Travel insurance is one thing you will want to purchase. It’s there if you get sick, robbed, delayed or a trip is cancelled. I never go on a trip without it because you never know what might happen. Don’t skip it. I have seen too many travelers regret having done so. My favorite companies are:

Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation, all at no extra expense. Check out my guide to choosing the right card to start with. For US residents, here’s how you can get points on rent, too.

Check out my resource page for the best companies to use when traveling. I list all the ones I use when I travel. They are best in class and you can’t go wrong using them on your trip.

Medical Evacuation & Repatriation Insurance

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Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission if you make a purchase. I only endorse the products and companies I use and the revenue goes to keep the site community supported and ad-free. When you travel – whether for work or play – you want peace of mind knowing that there is support and help available when you need it. If something were to happen, you want the reassurance that you can get home no matter what. This is where emergency medical evacuation comes in.

This Pacific Prime Singapore article will discuss the importance of emergency medical evacuation for those traveling overseas or planning to do activities that may require evacuation.

An emergency medical evacuation (EME) is the emergency transportation of one or more people, usually by some form of air or ground transportation, to the nearest medical facility, such as a hospital or specialty clinic. It is often needed when his life is in serious danger. For example, after a severe traumatic accident in a region that is difficult to access or from one inadequate medical facility to another that can support enhanced recovery.

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If you’re wondering why most medical insurance plans offer coverage for up to $1,000,000 for EME, know that it’s because EME can be notoriously expensive. Although the exact costs of EME depend on the medical condition, the care required and the location in question, it is possible to provide a cost estimate to give you a rough idea. Let’s say you are traveling to the United States from a foreign country, EME can cost the following:

Well the reality is that if you ever find

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