[JourneyOfLife]

Travel Insurance policies are complicated. Plus, provisions vary from company to company and from policy to policy even if they are issued by the same company.

You will have to read the details of the policy to try to figure out what is covered and who they will reimbursed. Assume nothing!

I called the insurance company that underwrote one of our travel policies directly one time with some questions. I wanted to make sure I was not misunderstanding a specific provision around payment of claims and how it would work. They gave me an answer.


One other important thing many people overlook; What type of evacuation?

Yes, there are multiple types of evacuation! Some insurance policies only insure the cost (up to the coverage limit) of getting the insured to the nearest appropriate medical facility.


There is a service industry that offers membership services for a certain "specific" type of medical evacuation. They claim to fill a gap in the medical evacuation provision of many travel insurance policies. But, they are not insurance companies, they are service organizations.

Their service is very limited in scope. They claim that they move people from hospital A to hospital B. For example, one is admitted to hospital in a foreign country under a doctors care and needs to be transported to a hospital at home.

It is too complicated to try to describe the details. You can read about them at their web sites. Each of those companies has slightly different service offerings.

Air Ambulance Card
AirMed
Medjet Assist

FYI. All of those companies have age restrictions on their membership plans.