Emergency evacuation insurance is very important for when you are traveling to certain places. While you may be able to have that covered under traveler's insurance, it may be important to find a plan that covers this option a great deal. This is especially the case when you are traveling to locations that have been known to have crisis' that affect entire areas.
What is This Type of Insurance?
This type of insurance covers any situation where you absolutely MUST return home or seek medical treatment elsewhere. There are a lot of situations that could occur that could end in you having to leave your vacation or business trip early. There are insurances that consider this to be "medical" emergency evacuation insurance, since it is often used when someone gets injured or sick.
What Services does it Provide?
Take into consideration language barriers and time differences. If you are in a country where you do not speak the national language, you may need someone to be a translator for you. If you are in a country that is in a different time zone, you may not be able to get into contact with your normal insurance company. Finding a company that is open and ready to help you 24 hours a day can cut back on the stress and make sure that you are getting the help you may need in a reasonable amount of time.
Do You Need It?
Most people that travel often should have this type of insurance just in case. There are more specific reasons as to why you may need it depending on your interests. If you are traveling to do more physically involved outings such as hiking, skiing, or snowboarding; You are at risk of getting injured. The risks are higher than if you decide to travel to relax on a beach or have a luxurious spa trip.
Accidents can happen no matter where you travel to or what you do. Having this insurance could protect you from having to shell out thousands of dollars on making sure that you get the treatment you need and get home instead of having to stay there. There are other emergencies that can arise that makes it important for you to get home as soon as possible, as well. Good coverage will make sure that you are capable of doing what you need to do without breaking the bank.
As with most insurance policies, there are exclusions. They may include situations due to pre-existing conditions or even political evacuation if there is enough warning before being in that type of situation. Always stay in the know about the places you travel to. If you travel to places that have been known to have extremely troublesome political issues and you end up injured or needing to leave immediately, you may not be covered. This could complicate your attempt to find solutions to the emergency. These exclusions vary. Make sure to read all of the fine print and information that is provided before deciding on a plan.
How Affordable is It?
These insurance plans are not incredibly expensive and usually cover up to $100,000 in protection. This amount of money may sound like a lot, but depending on the situation--you may need a good portion of it. Even if the premiums seem expensive, it is no where near as expensive as it would be if you were uninsured.
Examples of When Emergency Evacuation Insurance Helps
Imagine that you are on a vacation to the Bahamas and you end up being seriously injured or getting very sick. You may be in a location that is far from proper medical care and a medical helicopter must pick you up and take you where you can get the attention you need. This can become very expensive, especially if you must be moved to another hospital.
If you do not have this type of insurance, you may end up having to spend a ton of money out of pocket when it could be easily covered instead. On the darker side of things, if you are fatally injured, your remains will be sent home instead of having to have your family travel to collect them. This will make the process much easier and more affordable for them.
Decent insurance also provides services of getting children home from vacation spots if something were to happen to their parents. Many plans even have personal liability coverage up to a certain limit, which means if something happens to a 3rd party due to your neglect there can be help for them.
No matter where you are traveling to, if it is out of the country--you need protection. Accidents happen to good people every day and making sure that you are able to get to the hospital of your choice and be medically taken care of is important. It also gives you relief to know that other aspects of the trip are taken care of while you are seeking medical attention.