Attention! Have you ensured coverage for medical evacuation?
Earlier this year, a British guy got into a motorbike accident in Koh Tao and had to pay a lot of money for his medical treatment. To make matters worse, he found out that his insurance policy didn’t cover any of the expenses because of some exceptions that were buried in the fine print. This just goes to show how important it is to read and understand your insurance policy before you go on a trip.
Generally, when traveling, you secure basic travel insurance to help cover healthcare expenses when required. But have you ever checked whether travel insurance covers medical evacuation?
In this Pacific Prime Thailand article will learn more about medical evacuation and its importance.
Why Do You Need Travel Insurance?
It is crucial to choose comprehensive travel insurance or medical insurance when you are traveling because it helps protect against unexpected hospital bills.
What is Medical Evacuation Insurance?
Medical evacuation insurance typically covers the costs of air ambulance services, medical escorts, and transportation costs associated with medical evacuations. Without this insurance, you might need to pay up to hundreds of thousands of USD or more in Thailand for an emergency evacuation.
What Does Medical Evacuation Insurance Cover?
Medical evacuation insurance usually covers expenses for emergency medical transport, including bringing you to the nearest hospital or health center if you get into a serious accident while traveling.
- Medical escort expenses: For those who need to travel back home after getting injured, this insurance will cover the expense of the medical escort and the medical professional if needed.
- Travel expenses for companions: If you are traveling with friends, family, or your children, they will also get coverage for their transportation back home.
- Repatriation costs: Covers the costs associated with bringing a person or their body back to their home country if they become injured or pass away while traveling in another country.
Having medical evacuation insurance can give you peace of mind while traveling. Although policies can vary from one another, we strongly recommend that you consider adding medical evacuation coverage to your travel insurance plan.
In the next topic, we’ll provide you with useful tips on how to choose the right plan that suits your needs.
How to Choose the Right Medical Evacuation Insurance Policy
Now that you know you need to plan your travel insurance carefully when traveling outside your country, we will look at how to choose the right plan for you.
- Determine the coverage you need: To make sure you have the right insurance coverage, you should consider the cost of emergency medical transportation back to your country. This will help you choose an insurance plan that provides the coverage you need in case something unexpected happens while you’re traveling.
- Compare policies: Once you know the coverage you need, you should compare the prices of the policies between providers. The goal is to find the one that suits your budget and needs.
- Read the fine print: It’s a good idea to know exactly what kind of coverage you get and understand any limitations or exclusions that may affect your coverage.
Contact Pacific Prime Thailand Today!
If you’re feeling overwhelmed by the process of selecting the right medical evacuation insurance policy, Pacific Prime Thailand is here to help. As a top health insurance broker with over 20 years of experience, we offer free consultations and quotes to help you find the policy that meets your needs.
Whether you are a tourist or an expat who is planning to relocate to Thailand, we will be more than happy to help you find the best insurance plan that fits your needs best.
Not only will you get the coverage you need with our medical evacuation insurance policy, but you’ll also receive a wide range of support services at no extra cost. We offer administrative assistance, liaison with the insurer, claims support, and much more.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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