Traveling to new and interesting places is one of the most enjoyable activities in which a person can engage. Unfortunately, however, there is a vast array of negative events that can occur when a person is away from home. For this reason, it is wise for individuals to invest in travel insurance in order to minimize problems that may arise during a trip. Such insurance usually covers loss of luggage, canceled flights, medical emergencies and other situations that may take a traveler by surprise. In addition to trip protection, policies of this kind may also include repatriation coverage.
Emergency Medical Evacuation and Repatriation Insurance
Repatriation coverage and emergency medical evacuation coverage are often included in travel insurance policies. Such coverage provides benefits to the insured if he or she suffers a medical emergency and requires transportation to a hospital or other medical facility, or back to his or her primary residence.
The evacuation method is based on the individual’s location and condition. For instance, if the traveler has sustained an injury such as a broken leg, he or she may be transported by air to a standard airline service and then flown home to his or her local hospital. In other instances, transporting the patient may be a complex affair, particularly if he or she has suffered a catastrophic event such as a stroke or heart attack, and therefore requires special equipment or oxygen while being transported to a medical facility.
Repatriation coverage means that the insurer will arrange and handle the necessary transportation in the event a person passes away from an illness or injury when away from home. This benefit typically covers the arrangement and payment for necessary and reasonable expenses, which include embalming and the appropriate transportation of the deceased’s body to the proper location via the most direct route.
Additional Benefits of Trip Insurance
Certain trip protection insurance plans also offer reimbursement for the ill or injured traveler to bring a family member or friend to his or her bedside bedside if hospitalization is required for seven days or longer. In some cases, extended coverage of this type may also provide transportation home for minor children who were traveling with the person who sustained injuries or became ill.
Virtually all travel insurance companies offer several plans from which to choose, each of which features various levels of coverage. The one the traveler selects depends on numerous factors, such as his or her age and health and the cost of each policy.
Ultimately, the appropriate trip protection insurance helps travelers experience less stress when on vacation or when traveling for business. Those who invest in such insurance are guaranteed to enjoy greater peace of mind whenever they are away from home.