Far too many people stuck overseas are reaching out to the world for money through crowd funding. Some even might say that crowd funding for rescue is being viewed as ‘insurance’ coverage in case anything goes wrong, especially when the emergency involves air ambulance transport across borders. While the world community must be appreciated for showing concern and extending a helping hand, international travellers too must take precautions to avoid giving rise to such situations in the first place. Here, we touch upon certain details pertaining to travel insurance and air ambulance coverage that people travelling abroad must keep in mind.
Adventure, Insurance and Air Ambulance – the Three Main Factors
Most travel-related injuries occur when adventure activities go wrong. However, adventure, most often, is the motivating factor for international travellers. Even though most of the travellers understand the importance of insurance and go for one, certain nuances are sometimes ignored. For instance, if you are headed for a skiing adventure in the Swiss Alps, you must make certain that the travel insurance covers that sport in particular. Also, one needs to know whether the coverage is for local care or air ambulance evacuation too, and if the evacuation is covered, then to what extent.
Travellers Must Discuss Health Concerns with their Travel Agents
While online research is an excellent place to start, it should not be considered a substitute to the insight that a travel agent can provide. Discuss different insurances, the activity you plan to indulge in, the coverage and air ambulance evacuation. Go for the right balance of travel cost and health care assurance. While measures like crowd funding may rescue you, the hassles of raising money and the worries that come along, can be quite harrowing. The effort taken to research and purchase travel insurance goes a long way to bring you a tension-free adventure.
Travel insurance is the safety net that you need when travelling abroad, especially in countries where the quality of health care is not the same as the one you enjoy in your home country. In such situations, air ambulance can become an absolute necessity. Most people assume that travel insurances automatically ensure an air ambulance to their home countries if they felt there is a necessity and that it is the patients’ choice to get the treatment wherever they desire; however, these beliefs are far from true. The insurance company can actually deny a claim and for the patient to get treatment in the visiting country. The company would weigh the cost advantage in situations like these.
Checks Air Ambulance Cover Before Purchasing the Travel Insurance
Explore as many travel insurance options as you can before zeroing down on a specific one. Reveal upfront the kind of activities you plan to indulge in and check out the premiums. If you have any pre-existing illness, make that known clearly and check out the premiums. The fear of higher premiums must not deter you from making this revelation as you can get into a huge financial mess owing to this mistake later.
Know Your Coverage Well
Also, some activities are considered very high risk and certain travel insurance policies might not cover them. If you’re going to be a part of some extreme adventure event, check out the facilities that the organizers offer and also whether the insurance company is willing to cover the mishaps that occur during such activities.
There have been several instances in the recent past where the travelers have not bothered to look closely enough whether the insurance company covers air ambulance services and later have had to resort to crowd funding to afford international air ambulance services. A little homework can avoid such issues and make your travel more secure and safe.
If you are going on an extreme sports trip, the chances of needing medical care and air ambulance cover are naturally more. So, you need to question yourself, “Is mere travel insurance enough?” In fact, there are special travel insurance designed just for the purpose and you must look into them. However, before that, you must know certain facts.
Classifying Extreme Sports before Looking at Air Ambulance Cover
Going for a swim in calm waters or ruffling some waves by the beach does not count as extreme sports. Extreme sports are those where there is a high likelihood of mishaps, even after safety precautions, and can warrant emergency medical treatments including air ambulance evacuations. Some of these are:
- Deep sea scuba diving
- River rafting
- Rock climbing
- High altitude mountaineering
- Bungee jumping
- High-speed or cross-country biking
Air Ambulance Cover and Insurance are no Substitute for Reasonable Precautions
Most extreme sporting companies will not even entertain your request unless you have adequate extreme sports insurance. They might also demand that you have enough extreme sporting experience and practice behind you. The reason is simple; the eventualities in such sports can even mean death or disability. Having adequate insurance and air ambulance cover increases your chances of survival drastically. You are assured of immediate medical care in any foreign countries. One must note in this context that most countries outside the US demand assurance of payments before the treatment is initiated.
Choosing the Air Ambulance Cover and Insurance
Here are a few points that you need to consider:
- Your sports insurance might cover air ambulance evacuations. If that’s the case you don’t have to worry at all. However, it is vital to look whether there are limitations to this cover.
- Compare the costs. Sometimes buying a separate air ambulance cover is more economically viable. So check whether the travel insurance company is charging you exorbitant rates.
- Compare between various travel-insurance providers and compare the prices and the kind of facilities being provided. You would not only need air ambulance evacuation cover, but also coverage for medical consultation, hospitalization, and treatment.
- If you are going as a couple or a group, look for discounts. Never hesitate speaking to the company’s representative.
You need to fill your forms for extreme sports travel insurance clearly and mention the kind of activities that you would be involved in to avoid confusion later.
The holiday season is here! This is the time of the year when most people head to exotic locations all over the world. Travel insurance is today part of every individual’s holiday planning. You choose to cover minor risks such as losing your belongings that essentially have no financial consequences. You even buy flight insurance to cover your death incase the airplane crashes within the short duration that you travel in it. But have you thought about international air ambulance evacuation coverage? Missing this vital coverage could result in bankruptcy or at least leave you with a huge financial burden.
Why Purchase International Air Ambulance Evacuation Cover?
The exotic places that you travel to might not have the same standards of medical care that your home country provides. According to one estimate only 5 out of every 100,000 tourists ever need international air ambulance evacuation, but when you consider that over 60 million American citizens travelled abroad last year, the number does not seem so small all of a sudden. The need for international air ambulance evacuation actually seems extremely essential.
International Air Ambulance Evacuation Cover is Not as Expensive as You Imagine
One can buy international air ambulance evacuation cover through travel insurance for about $200 to 300. Seems expensive? Think again. Getting back through a commercial airliner with a nurse to accompany you can alone cost about $25,000. A full fledged international air ambulance evacuation can cost you up to $100,000. Also, keep in mind that Medicare does not cover you outside the United States. When you consider the financial risk, spending additional couple hundred dollars for your own safety and wellbeing does not seem all that expensive. Frequent overseas travelers can avail international air ambulance evacuation cover for roughly the same amount through annual plans. With a little thought and adequate cover, you can enjoy this holiday season without any worries at the back of your mind.