$500,000 per person
Medical Evacuation can provide coverage for transportation of a traveler to the nearest adequate medical facility in the event of a medical emergency during their trip. Repatriation can transport a traveler’s remains back home.
EMERGENCY EVACUATION AND REPATRIATION OF REMAINS
We will reimburse you, up to the maximum amount shown in the schedule of benefits, for covered emergency evacuation expenses incurred due to your injury or sickness that occurs while on a covered trip.
Covered emergency evacuation expenses are the reasonable and customary charges for medically necessary transportation, related medical services, and medical supplies required by the standard regulations of the conveyance transporting you incurred during your Emergency Evacuation.
The transportation must be:
a. Ordered by the onsite attending physician, who must certify that the severity of your injury or sickness warrants the Emergency Evacuation;
b. Authorized in advance by us or our designated representative. In the event your injury or sickness prevents prior authorization of the Emergency Evacuation, we or our designated representative must be notified as soon as reasonably possible; and
c. By the most direct and economical route possible.
We will also pay a benefit for reasonable and customary charges incurred for an escort’s or contracted attendant’s services, and the escort’s or attendant’s transportation and accommodations, if an attending physician recommends that an escort or attendant accompany you. This coverage is inclusive of the maximum limit of the Emergency Evacuation benefit.
Transportation will be provided:
a. From the place where your injury or sickness occurs to the nearest adequate licensed medical facility where appropriate medical treatment can be obtained; and
b. From a local medical facility to the nearest adequate licensed medical facility to obtain appropriate medical treatment if the onsite attending physician certifies that additional medically necessary treatment is needed but not locally available, and you are medically able to travel; and
c. To your primary residence, or an adequate licensed medical facility nearest your primary residence, to obtain further medical treatment or to recover after being treated at a local licensed medical facility, if the onsite attending physician determines that you are medically able to be transported and that the transportation is medically appropriate.
Special Limitation: In the event we or our authorized representative could not be contacted to arrange for Covered Emergency Evacuation Expenses, benefits are limited to the amount we would have paid had we or our authorized representative been contacted.
REPATRIATION OF REMAINS COVERAGE
We will reimburse you for Repatriation Covered Expenses up to the maximum amount shown in the schedule to return your remains if you die while on the covered trip.
Repatriation Covered Expenses are limited to the reasonable and customary charges for the expenses listed below. We or our authorized representative must make all arrangements and authorize all expenses in advance.
Repatriation Covered Expenses include the reasonable and customary charges for:
a. Embalming or cremation; and
b. Associated temporary storage costs for up to fifteen (15) days, or until local authorities will permit further transportation of the body, whichever is later; and
c. The most economical coffins or receptacles adequate for transportation of the remains; and
d. Transportation of the remains, by the most direct and economical conveyance and route possible, to:
1. The nearest location where the body can be embalmed or cremated, if not locally available; and
2. The receiving funeral home or morgue, the return destination, or a different place of burial within your country of residence; and
e. The cost for creation and transmission of necessary documentation to transport the body, such as a death certificate, autopsy or police report, up to five (5) copies per document.
In the event we or our authorized representative could not be contacted to arrange for Repatriation Covered Expenses, benefits are limited to the amount we would have paid had we or our authorized representative been contacted.
We will pay a benefit, up to the maximum limit shown in the schedule, directly to the provider if, while on a covered trip, you suffer an injury or sickness which requires an emergency evacuation or repatriation of remains, and payment is required prior to transportation or repatriation. This amount will be deducted from the Emergency Evacuation and Repatriation of Remains benefit limit, shown in the schedule of benefits. You agree to reimburse this payment to us if: a) you do not file a claim for the expenses incurred as outlined in the Payment of Claims section; or b) it is determined that your emergency evacuation or repatriation of remains claim is not covered.
We will provide advance payment when required and requested by you. However:
a. We reserve the right to deny a request for advance payment, if we confirm that your claim is not covered under the policy; and
b. An advance payment made by us is not a guarantee of claim approval.
Emergency Evacuation and Repatriation of Remains Exclusions:
In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:
a. Transportation taken against the advice of the attending physician;
b. Intentionally self-inflicted injury, suicide, or attempted suicide by you;
c. You or the traveling companion are traveling for the purpose of securing medical treatment;
d. Normal pregnancy or childbirth, or elective abortion. However, unforeseen complications of pregnancy are not excluded;
e. Your participation in adventure activities, extreme activities, winter activities or dangerous activities, except as a spectator;
f. Your mental, nervous or psychological disorder;
g. Expenses incurred by any child born during the covered trip; or
h. Any loss that occurs on a covered trip with a destination less than one hundred (100) miles from your primary residence or to another residence of you or the traveling companion, or on a covered trip that is not at least overnight in length.
For purposes of this coverage, the following definition is added:
Medically appropriate means an adequate and acceptable course of treatment or transportation in the opinion of the onsite attending physician.