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Medical Evaluation Insurance as Type of Insurance


Medical Evaluation Insurance as Type of Insurance

People often forget to buy medical evacuation insurance when they travel, even though it is part of a travel insurance policy. Medical evacuation insurance is something that needs to be thought about, whether they are staying in the United States or going farther away.

What Happens When People Become Injured While Away From Home?

If you become injured or sick while traveling and need a helicopter or plane, you’ll pay a lot without trip insurance that covers medical evacuation. Hiking is common at Yosemite National Park in California. In this secluded spot, hikers risk tumbling.

The injured person may need to be airlifted. This excursion would cost about $50,000. What if the person is simply walking in Europe? Leaving may cost $150,000. Most health insurance plans exclusively cover US-based injuries and illnesses. Their insurance may not cover medical evacuations. Hikers must pay for helicopter or plane rides.

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How Does Medical Evacuation Insurance Help?

Pre-trip insurance prevents the above scenario. Travel insurance covers hospitalization if they are injured or sick. People can obtain travel health insurance to cover medical expenses if they get sick or injured.

Once travelers who were hurt or got sick are well enough to go home, they may need special gear to get there. Even this cost will be paid for by travel insurance. If travelers die from their injuries or illnesses, their bodies will be sent back to the country where they came from. Repatriation coverage, which is part of the insurance package, will pay for the cost.

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How Much Insurance Can People Purchase?

People can put together a package that meets all of their needs, including insurance for medical evacuation. They can also add protection for their luggage and rental cars, as well as insurance in case they need to cancel or cut short their trip. If someone gets hurt or sick and the family has to go home early, they will want their pre-paid expenses to be refunded in addition to having their medical bills paid. All of these possible losses can be covered by one insurance policy if you get a full insurance package.

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