Trip/Evacuation Insurance
One reason that we buy trip insurance is for potential medical airlift back to the US for treatment. One of our neighbors had to utilize this benefit on a recent trip to the Caribbean. What was a surprise to me was that, despite having trip insurance that covered the huge cost (I think it was in the $25,000 to $50,000 range), they had to front the cost themselves with credit cards and then seek reimbursement later. Fortunately they had a combination of cards such that they were able to meet that expense.
We will be taking a trip to Asia and our policy "covers" us up to $250,000 for evacuation. The question I have is, suppose you are confronted with a cost even only a half of that, how would people lay their hands on that amount of instant credit or cash to cover the expense until they are reimbursed by the insurance policy?
Is this something that savy travelers have an answer for, or is the evacuation insurance somewhat meaningless?
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