Repatriation Travel Insurance

repatriation travel insurance

What is Repatriation Travel Insurance?

Repatriation travel insurance is a benefit included in most travel insurance plans that covers the costs associated with returning you home in case of a medical emergency, illness, or even death. This can involve various means of transportation, depending on your situation, such as:

  • Medically equipped air ambulance flights
  • Commercial flights with medical escort
  • Ground ambulance transport (in some cases)

What Does Repatriation Travel Insurance Cover?

Repatriation insurance typically covers the expenses of getting you back to your home country for necessary medical care or in the case of death. Here’s a breakdown of some covered expenses:

  • Transportation costs: This includes the cost of the medical flight, commercial flight with medical escort, or ground ambulance (depending on your policy and situation).
  • Medical care during transport: Some plans may cover any necessary medical attention you require during the repatriation journey.
  • Travel and accommodation costs for a traveling companion (in some cases): If you need a family member or friend to accompany you during repatriation, some plans might cover their travel and accommodation expenses.

Things to know:

  • Policy Limits: There might be limits on the amount your insurance will cover for repatriation costs. Understand your policy’s maximum coverage amount.
  • Destination: Repatriation from remote locations or areas with limited medical facilities might be more expensive. Consider your travel destinations when choosing coverage.
  • Documentation: You might need to provide medical records and other documentation to support your repatriation claim.

Remember:  Always check your specific policy wording for any additional details, exclusions, or requirements regarding repatriation coverage.

What is Not Covered by Repatriation Travel Insurance?

While repatriation insurance provides valuable coverage, it’s important to understand its limitations:

  • Non-medical emergencies: This coverage typically applies to medical emergencies or death. Other types of emergencies, like political unrest or natural disasters, might not be covered for repatriation.
  • Elective Procedures: Repatriation is not intended for planned medical procedures. It’s for situations requiring urgent medical attention back home.
  • Costs beyond repatriation: Your travel insurance likely won’t cover ongoing medical treatment costs back home. Consider additional health insurance if needed.

Do I Need Repatriation Travel Insurance?

Here’s how to decide if repatriation insurance is right for you:

  • Travel Plans: If you’re traveling to remote locations or areas with limited medical facilities, repatriation insurance is highly recommended.
  • Medical Concerns: If you have any medical conditions, repatriation insurance can provide peace of mind knowing you can get back for necessary care.
  • Budget: While repatriation costs can be substantial, the insurance cost is often a small percentage of your overall trip expense.

How Much Coverage Do I Need?

The amount of coverage you need depends on factors like your travel destinations, age, and medical history.  Generally, it’s wise to choose a plan with a high enough coverage limit to cover potential repatriation costs from your chosen destinations. There are plans out there like LUMA Asia Pass that provide UNLIMITED coverage for repatriation. The coverage is very large compared to the small premium cost.

How much does Repatriation Travel Insurance cost?

It’s difficult to give a precise number as costs can vary depending on multiple factors. However a a travel insurance like LUMA Asia Pass would cost you anywhere from 50 USD to 230 USD for a 1 week trip to Bali with repatriation travel insurance. Get quotes from multiple travel insurance providers to compare prices and coverage details.

How Does Repatriation Travel Insurance Work in a Real-life Example?

Imagine you’re on a recreational ski trip in Japan and suffer a serious leg fracture. Local doctors recommend you be flown back to your home country for specialized surgery. Your repatriation insurance covers the cost of the commercial flight, ensuring you receive the necessary care closer to home.

Repatriation travel insurance can provide invaluable peace of mind during your adventures. By understanding what it covers and how it works, you can make an informed decision about including this essential benefit in your travel insurance plan.

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