Make Sure Your Evacuation Coverage Has a High Limit

Each Friday, we feature a reader-submitted tip as our Travel Tip of the Day. This week’s tip comes from reader Mike A., who says:

“As a Medicare Benefits Advisor, I am always advising my clients that some supplement plans to Medicare offer foreign travel coverage, but it is very limited. After a $250 deductible, these plans will only pay at the 80% level up to a maximum of $50K. If a person needs to be evacuated from a cruise or Europe, that type of coverage woefully is not going to meet their needs.

Travel insurance is most appropriate for consideration. However these plans typically have basic benefits and low evacuation limits. I recommend that to protect seniors who do a lot of traveling to make sure that you have high limits for evacuation coverage as well as basic coverages. For example, when my wife and I travel, we make sure that we have evacuation limits of $1 million. That protects us for the ‘what if scenario.'”

That’s good to know, and a good reminder to make sure to know what you’re getting from your travel insurance before you leave. Here’s more on my plan, and below are some more relevant stories. Thanks, Mike!

 

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Johnny Jet
I used to be afraid to fly and at times even leave the house! I conquered my fear (long story) and now I travel to 20+ countries a year sharing my firsthand knowledge, tips and deals with friends, family and readers. Please sign up to our free newsletters and tell your friends!

1 Comment on "Make Sure Your Evacuation Coverage Has a High Limit"

  1. The plan that you recommend from Alliance refers to it not as medical evacuation, but Emergency Medical Transportation, which they define as “Provides medically necessary transportation to the nearest hospital or appropriate facility following a covered illness or injury.”

    Most policies take you to the closest hospital that can do the work… This is not always the best option. It won’t get you back to the USA.

    Medjet Assist is medical evacuation (they told me it is hospital to hospital) that will transport you to the hospital of your choice back home. A policy can be purchased with an AARP discount. Annual plans are available.

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