Medevac: What Is It and When Do You Need It?
We have to face up to the fact that sometimes our trips don’t turn out exactly as we expected. And when problems crop up away from home, you need to know that you’re protected. So, if you’re going to travel abroad you need to decide whether an insurance plan is necessary. If so, you could do worse than get yourself a Medevac plan.
If you aren’t familiar with the term, a Medevac plan is similar to a health insurance plus medical evacuation coverage. And there are many occasions when travelers have been glad they took on this extra level of protection over and above a standard health or travel insurance.
When Do You Need a Medevac Plan?
- If you’re traveling to a war-torn country or a country that’s experiencing violence or protesting against the government, you may want Medevac insurance.
- If you’re traveling to a country with poor health care, you may want a Medevac plan. This would help you if you came down with a medical emergency like appendicitis.
- If you’re participating in some dangerous activities in a foreign country, you may need one. An example might be scuba diving.
What Does Medevac Insurance Cover? What Does It Do?
If it becomes necessary, your Medevac insurance will cover the cost of an air ambulance, a doctor, and a nurse. And if you need to, they’ll arrange a flight home for you for emergency treatment.
Most overseas health care providers and facilities do not accept health care policies from other countries, including the U.S. A Medevac plan will cover you for emergencies in a foreign country and transportation to a U.S. medical facility. They also cover transporting your remains back to the U.S. if you should pass away.
Where Do You Find a Medevac Plan?
You can ask your travel agent about which provider they recommend; they may actually sell it themselves. You can also find reputable providers online or if you have a good relationship with an insurance agent, ask them who they recommend. Like any industry, it’s important to deal with a reputable provider – you are after all asking them to safeguard your life. Take care to read the documentation closely and to know what you’re paying for.
Before you purchase a plan, make sure you’re not already covered by your health and/or travel insurance. There is no sense paying for the same coverage twice. Medevac plans costs vary and depend on your age, where you’re traveling and how long you’ll be gone. Short-term plans start at around $200 a week and $600 a year.
It’s true that you don’t always need Medevac insurance. But, if you’re going to be taking a vacation with any of the risks we’ve mentioned above, you might want to take a hard, long look at the possibility of protecting yourself and your health while you’re away from home.
26 Mar 2010 |