Frequently Asked Questions | MedEvac Services | Travel MedEvac

Are any countries excluded from your Global Plan coverage?

Coverage applies when you are more than 150 miles from home for both domestic and international travel. Certain countries may have restrictions on arranging services for medical transport in some instances, and services are not guaranteed. These countries currently include Algeria, Chad, Chechnya, Congo DR, Cuba, Iran, Ivory Coast, Liberia, North Korea, Palestinian Territories, Sierra Leone, Republic of South Sudan, Republic of Sudan, Syria, and Somalia is subject to change.

Why choose a Travel MedEvac Medical Evacuation Plan?

Travel MedEvac insurance plans are underwritten by Nationwide Mutual Insurance Company and other highly rated underwriters. The importance of buying “real” insurance cannot be understated. Many non-insurance, “membership” or assistance type medical evacuation plans are not regulated by any Department of Insurance. In the event of a coverage dispute and to provide assurance that you are protected, buying a regulated insurance product is always in your best interest. Travel MedEvac also gives you the option to purchase Travel Medical coverage for medical expenses associated with an emergency sickness or accident. Travel MedEvac utilizes highly accredited air ambulance providers for all our air medical transports. Utilizing an extensive EURAMI and CAMTS accredited network of air ambulance providers ensures your medical transport is completed by only experienced global air ambulance providers with a level of expertise and commitment to safety that is unmatched. This also ensures that your continuity of care and service will be world-class every time from start to finish.

What Makes Travel MedEvac’s Medical Evacuation plan unique?

Travel MedEvac brings you to your home hospital of choice if you are hospitalized while traveling or temporarily residing 150 miles or more from home and your condition warrants a medical evacuation. Our Medical Evacuation plan does not restrict transport to the ‘Nearest Suitable Facility’. Limitations of nearest suitable facility transport found in other plans could leave you far from home, in a foreign country, away from your doctors, your healthcare network, and away from your family. Should you have a travel protection plan, whether through Travel MedEvac or elsewhere, that provides for the nearest suitable facility transport, we recommend purchasing our premier Medical Evacuation policy as well.

Why should I purchase the Optional Emergency Travel Medical Coverage?

While Travel MedEvac and its providers will work expeditiously to transport you to your home hospital of choice when a flight is warranted, there are out of pocket expenses for emergency medical services and hospitalization costs where you are first admitted, that may not be covered by your health insurance when traveling. You may also have an illness or accident that does not warrant an evacuation, but the out-of-pocket costs for doctor visits, hospitalization, diagnostics, or other treatments can be significant. Travel with the peace of mind knowing you have emergency sickness and accident medical coverage as well.

How are Travel Medical Expense Claims Paid?

Emergency Medical Coverage will be paid after any other primary collectible insurance or indemnity has paid the claim and the primary policy limits have been exhausted. Benefits can be reimbursed up to the limits shown based on the plan chosen. See the Claims Page for more information on how to file a claim and to secure the correct claims form based on the plan you purchased.

When will my coverage be active?

Once the required premium has been paid, your coverage will begin based on the date you elected coverage, at your location at 12:01 A.M. All coverage (except Trip Cancellation) will begin on the later of the effective date or upon your departure from your home residence or home country. See policy terms for more information based on the plan you choose at the point of purchase.

Who is eligible for Travel MedEvac Medical Evacuation, Travel Medical Plans, and Trip Cancellation Plans?

Travelers and those residing away from the United States under the age of 85 are eligible for Travel MedEvac Medical Evacuation Plans. There is no age limit for single Trip Cancellation plans. Annual Trip Cancellation Plans are available to those up to age 81.

Who should buy a Travel MedEvac plan?

Whether you are traveling for business or leisure, are departing on a one-time trip, are a frequent traveler or residing away from your home country, having a Travel MedEvac premium medical evacuation plan, which will take you to your home hospital of choice, is the best way to prepare for an unexpected illness or accident. Request a quote today.

What if I am hospitalized but don’t have my policy information or annual policy ID card with me at the time, am I still covered?

Although we recommend you carry your policy information with you, have electronic access to your global plan coverage for convenience, or share it with a friend or family member, you are not required to carry it for coverage.

Are there any dollar limits for Travel MedEvac?

Medical Evacuation services are covered up to $500,000 per person. Repatriation of Mortal Remains is covered up to $50,000 per person. Vehicle and Vessel Return is covered up to $5,000 (limited to the U.S., Canada and Mexico) with no deductible. Should you purchase 0ptional Travel Medical coverage, those services are covered up to $100,000 per person with a $250 deductible.

Is there any portion of the air medical transport not covered?

Our preferred provider will manage all of your care from hospital-to-hospital which includes air medical transport, ground ambulance transports, all medical crews, and pilots, plus all medications and medical devices needed for your successful return.

Do you have plans that cover children or dependents? Are there certain qualifications required?

Parents and legal guardians traveling with children and dependents can secure emergency medical evacuation coverage that offers significant savings. Children and dependents must be under the age of nineteen (19) or less than age twenty-six (26) and primarily dependent on you for support and maintenance.

Does my health insurance policy cover medical evacuation?

Health insurance may cover your emergency evacuation to the “nearest adequate facility” when traveling outside your healthcare network or country, but typically does not bring you to your hospital of choice or even back to your home country. This could leave you hospitalized thousands of miles away from home, possibly outside the U.S.

While your health insurance may provide for some emergency medical expenses when traveling within the U.S., deductibles, and co-pays can leave you with significant out-of-pocket expenses – a Travel Medical plan can offset those costs. Even more importantly, health insurance plans provide limited or no coverage while traveling outside the U.S. The costs of hospitalization, doctor visits, x-rays, and other medical expenses while traveling out of the country are substantial and usually require immediate payment – a Travel Medical plan can provide the much-needed coverage for those expenses.

How will my companion or family members get home if I am medically evacuated?

Our preferred providers will allow a companion and additional family member(s) to join the patient on the aircraft back home when possible. This is important during such a stressful situation. However, the health and safety of the patient will always be our priority. If in any circumstance the return of a companion or family member could be detrimental to the patient’s health, the family’s health, the companion’s health, or the health and safety of the crew or aircraft, then a return of a companion or family member with the medical transport may not be granted. If we are unable to transport a child or dependent on the medically configured aircraft, Travel MedEvac will arrange for a commercial flight to the nearest commercial airport of the hospital where the patient has been evacuated for those covered on the policy plan.

If I have a pre-existing condition can I apply for a Travel MedEvac Plan?

Yes, you can enroll with pre-existing conditions with no waiting period for medical evacuation services and our global plan coverage. However, if an applicant is hospitalized, has a planned, hospitalization or scheduled treatments for a new illness known at the time of application, or travels against the advice of medical professionals the medical transport will not be covered for any issues related to these circumstances.

Are there Pre-Existing Limits or Exclusions if I choose to add optional Travel Medical coverage?

Excluding a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription, there are some limits. If during the sixty (60) day period immediately prior to the start date of your plan, you exhibited symptoms which would have caused one to seek care or treatment; received a recommendation for a test, examination, or medical treatment or took or received a prescription for drugs or medicine you would be excluded from coverage related to such conditions.

What does repatriation of mortal remains coverage include and how does it work?

A Travel MedEvac plan will assist with global plan coverage and cover reasonable expenses for the return of your mortal remains should the insured pass away on a trip. The insured’s family or legal power of attorney will provide Travel MedEvac the name of the receiving mortuary upon an insured’s death. Travel MedEvac will work in conjunction with the mortuary making the arrangements to return the insured’s mortal remains. Travel MedEvac will pay the mortuary direct for the expenses related to the repatriation of the insured’s mortal remains. This includes, but is not limited to, expenses for embalming, cremation, a container for transport, and transportation to the primary residence mortuary. Travel MedEvac must be notified in advance and coordinated through Travel MedEvac and our assistance provider.