Travel Coverage for Air Ambulance Flights Home
You may want to consider purchasing a travel insurance plan before you leave the country , whether you’re travelling for business or pleasure.
It’s important to be aware of exactly what your package purchase covers. Even more importantly, you should know exactly what it does not cover.
For peace of mind, you should have an exact idea of both before you set out. Just in case “the worst happens,” you don’t want to find out you’re not covered for treatment after the fact.
Obtaining immediate emergency health treatment while abroad can be incredibly costly. If your existing or temporary travel insurance plan will cover an air ambulance flight to a hospital back home, you may want to take advantage of it not only for comfort but for the potential cost savings as well.
When weighing your options and trying to decide whether it’s worth the cost to purchase temporary travel insurance, always keep in mind that an unexpected air ambulance flight to a home healthcare facility can potentially cost well over $10,000. Not all travel insurance will include air medical flights back home in coverage, but some do, so it makes sense to check for one that has this included if you can afford it.
Even the most basic plans can help cover the costs of:
- Air ambulance services (to a local or home health care facility)
- Ground ambulance services
- Hospital stays
- X-rays and tests
Of course, this is not a guarantee. It’s important to check with a representative to make sure a given package will cover these basic medical services.
For those with the additional financial means, there are higher-level travel insurance packages available that will include coverage for:
- Emergency dental care
- Out-of-pocket expenses
- Pet care/return
- Temporary accommodations (and meals)
- Loss of personal belongings
Of course, for all the things travel insurance policies do cover, there is a broad range of things that may disqualify your coverage eligibility.
For example, many of these types of policies (including the more advanced kind) will simply not cover or will have significant restrictions surrounding treatment for injuries or illnesses related to these conditions:
- Pre-existing conditions
- Elective care (such as alternative treatments or surgeries)
- Alcohol/Drug use
- Psychological disorders
- Sports, contests, or physical activities with high injury potential
- Pregnancy and Childbirth
You may speak to your travel insurance provider to get more information on their specific conditions and exclusions. In some cases, you may be able to get greater coverage that will be effective even under some of these conditions at additional cost.
As when choosing an air ambulance service or any other type of service where health is concerned, it’s very important to research your available options. Just because a policy package is more expensive doesn’t necessarily mean it will have more coverage than a much cheaper option. This is yet another case where researching just a little bit can save you a lot of financial and mental stress.
If you travel quite a bit during the year, it’s probably wiser to just pay for a year-round travel insurance policy. This can ultimately save you money and the trouble of purchasing many individual single-trip policies over the course of the year.