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Medical Evacuation Insurance: Often Overlooked, But a Potential Lifesaver

Sally French

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What is medical evacuation insurance?

What does medical evacuation insurance cover, how much coverage should you have, how to get medical evacuation insurance (maybe for free).

If you get injured or sick during your trip, travel insurance can come to your rescue by reimbursing the cost of prepaid travel arrangements, like a hotel room, rental car or airfare. But it won’t necessarily cover the actual costs to get medical treatment, nor will it always cover the cost of transportation to get care.

For most people, you’ll need to rely on your existing medical insurance to cover the treatment. And while some health insurers cover you anywhere in the world, not all do, so check your policy before traveling.

Even if your plan covers treatment abroad, it may not cover transportation to get there, like an ambulance ride or perhaps even a helicopter. For that, you’ll need medical evacuation insurance.

Medical evacuation insurance is typically included in travel insurance policies. It’s also commonly sold in tandem with travel medical expense insurance, which covers emergency medical treatment during your trip.

The exact terms of medical evacuation insurance vary by policy, but generally speaking, this type of insurance covers medical transportation, such as an ambulance ride or air evacuation services, to the nearest adequate medical facility. If you need to head back home for treatment, some plans may also cover the cost to change your flight or book new travel arrangements so you can return sooner.

Again, exact coverage varies by policy, but it generally encompasses:

Emergency transportation to the nearest adequate treatment center

Most policies promise transportation to what’s generally referred to as an “adequate” treatment center. But “adequate” can be a relative term, and a medical facility not up to your personal standards might still be deemed adequate by your insurer. And not all policies will pay for a flight back home to visit the doctor you already know.

However, if local doctors can’t help, medical evacuation usually covers transportation home. Those doctors would have to provide documentation that your condition is either untreatable locally or severe enough that a flight home is necessary.

A medical escort or travel companion’s travel

Some policies cover not just your transportation, but also the cost of someone else to accompany you. In some cases, that might need to be a medical professional who can support you throughout the journey, such as by administering oxygen. In other cases, it might be a trusted family member or friend.

Some policies cover only economy-class airfare, while others might cover business class, but only with a doctor’s order.

Repatriation of remains

Should you die during the trip, repatriation can transport your remains home. Typically this service also covers the costs of embalming, local cremation or a casket to transport remains by air.

If going to the doctor for a sprained ankle at home seems expensive even if you’re insured and visiting an in-network doctor, then getting coverage for an emergency abroad might be even costlier.

Most medical evacuation insurance coverage starts at $100,000 per year, but even that might not be enough. The national average for an emergency helicopter ride is about $40,000, according to medical travel service Flying Angels. That’s just an average, so flights to remote places could easily be more expensive.

Plus, it’s unlikely your existing insurance will cover an air ambulance. About two-thirds of medical flights in 2017 for people with private insurance are still out-of-network, according to the U.S. General Accounting Office, meaning you’re on the hook for most or all of that bill, unless you have medical evacuation insurance.

Throw in the actual cost of treatment, plus last-minute flights for you, a travel companion and a medical escort, and $100,000 might not go that far. Then again, some policies cover as much as $1 million or $2 million per person.

While accidents can happen anywhere, you’re less likely to need medical insurance for a winter trip that entails building snowmen and drinking cocoa in the cabin versus going backcountry skiing on challenging runs. Understand the risk and your risk tolerance. With the former scenario, slipping on an icy sidewalk might mean a patch-up at urgent care that costs a few hundred dollars, especially if your travel companions can drive you. In contrast, a severe injury with the latter might necessitate a full rescue crew.

Read the fine print

Like any travel cost, it’s always wise to read the fine print of your specific policy. Some have additional limits, require specific paperwork or exclude certain circumstances. Though this list is far from comprehensive, here are some common things to look out for:

Whether you have primary or secondary coverage: If your medical evacuation coverage is considered secondary coverage, that means it kicks in after your primary health insurance plan.

Trip length requirements: Some policies won’t cover trips longer than a certain period (60 days is common).

Distance from home: Many policies exclude accidents occurring within 100 miles of your home.

Documentation required: You typically can’t just twist your ankle, rebook an early flight home and expect to successfully file a claim, even if your ankle is puffy and painful. Most policies require extensive documentation, like approvals from a legally licensed physician that emergency evacuation is warranted. Save every receipt and get documentation of everything.

Medical evacuation insurance coverage is sometimes included with comprehensive travel insurance policies , alongside other forms of travel insurance like lost luggage insurance . Prices vary by the length and nature of your trip, so a long weekend at a resort would likely cost far less than a multiweek camping adventure off the grid.

However, you might already have travel insurance — and not need to pay any extra for it. That’s because many premium travel credit cards include medical evacuation insurance within their trip insurance policies, which are often a benefit for trips paid for on that credit card . If you’re considering purchasing trip insurance anyway, this benefit alone can easily offset any annual fees on the credit card.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee:   Bank of America® Travel Rewards credit card

Flat-rate travel rewards:  Capital One Venture Rewards Credit Card  

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Millions of travelers each year trust AIG's Travel Guard to cover their vacations

Travel insurance plans provide coverage for certain costs and losses associated with traveling. Travel Guard ® helps you navigate canceled flights, lost bags, sudden health emergencies, and much more—almost anywhere in the world. Whether you’re planning a two-day getaway, a cruise, an adventure vacation, or a month-long international holiday, our plans help cover travelers and their trip inverstments.

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Coverage available to residents of U.S. states and the District of Columbia only. These plans provide insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of each policy with your existing life, health, home, and automobile insurance policies, as well as any other coverage which you may already have or is available to you, including through other insurers, as a member of an organization, or through your credit card program(s). If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc .(Travel Guard). California lic. no. 0B93606, 3300 Business Park Drive, Stevens Point, WI 54482,  www.travelguard.com.  CA DOI toll free number: 800-927-HELP.

This is only a brief description of the coverage(s) available. The policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas, Floor 41, New York, NY, 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.

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The Good:  Available to U.S. citizens. Can be purchased on a per-trip or annual basis. This plan includes not only emergency medical evacuations, but also non medical security evacuations. Optional sports coverage available for adventure activities specifically excluded from the base plan.

The Drawbacks:  Some plan coverages are not available to U.S. citizens of all states.

The Bottom Line:  This is not a trip cancellation plan, but a medical evacuation plan specifically designed to help insured travelers get safely out of emergency medical or political situations. It provides for medical care if the insured becomes ill or is injured on their trip.

This plan is unique in that it provides the following:

  • Available on a per-trip or annual basis.
  • Pre-existing medical condition look-back period is a short 90 days.
  • One child under 17 covered at no additional cost for each covered adult.
  • Medical coverage is extended for up to one year for injuries or illnesses that occur on your trip.
  • Travel Guard’s signature assistance services for 24-hour emergency travel assistance, travel medical assistance, concierge and identity theft services.
  • Covered reasons for security evacuations include natural disasters, verified physical attack, political or military action.
  • Security evacuation benefits will be paid (up to the plan limits) for consulting services if the insured is determined to be kidnapped or missing.
  • Evacuation coverage ensures the insured is returned home after medical treatment abroad. It also covers a bedside visit and the safe return of dependent children if the insured is hospitalized.
  • Advance payments will be made to a medical facility or hospital to ensure admission.

Optional Coverage

The following optional coverage is available when you purchase this plan:

  • Optional adventure sports coverage for mountaineering, hang gliding, sky diving, bungee jumping, learning to operate an aircraft, and more.
  • Optional baggage upgrade adds $1,000 for loss and $300 for delays.

Limitations

The following are the limitations on this plan’s coverage:

  • Security evacuations not available in Florida or Pennsylvania.
  • Travelers must be at least 100 miles from their permanent residence for benefits to be in effect.

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The Comprehensive Guide to Emergency Medical Travel Insurance

Travel Emergency

What is medical repatriation?

Medical repatriation means getting you home after an illness or injury, once you’re well enough to travel. Repatriation can be as simple as booking a standard airline ticket, or as complex as arranging a private air ambulance with a medical escort.

Medical repatriation costs can be high — as much as $1 million in especially challenging situations, according to some estimates. 1  Your emergency transportation benefits can cover medically necessary repatriation costs up to the stated limit.

What happens if I get sick or injured while traveling and I don’t have emergency medical travel insurance?

That depends on where you’re traveling and the specific nature of your emergency. However, you should know that you’ll be 100% responsible for the costs of any care you receive. If you’re in another country, the local U.S. Embassy will not pay any portion of your medical costs.

If you get sick or injured overseas and you don’t have insurance, you may:

  • Be treated in a public hospital or clinic that does not offer a high standard of care
  • Have to pay cash upfront before receiving medical care
  • Be refused treatment if you’re unable to pay
  • Have to manage your own treatment and figure out how to get yourself home

Is it likely that I’ll get sick or injured while traveling?

Travel, by its very nature, is unpredictable. You may do a 9-day trekking tour of Croatia and never take a tumble. You may be strolling through a park in Buenos Aires and get knocked down by a wayward cyclist. Anything can happen, and that’s why you need travel insurance with emergency medical benefits.

Each year, our Assistance team fields thousands of calls from travelers who are experiencing a medical emergency. The most common emergencies we see are fractures from falls, cardiovascular problems (such as heart attacks and strokes), trauma from vehicle accidents and other accidents, and pulmonary/respiratory conditions.

Which travel insurance plans include emergency medical benefits?

Plans with emergency medical benefits include:

  • OneTrip Basic , an economical plan with limited post-departure benefits
  • OneTrip Prime , a popular plan with substantial benefits and free coverage for children 17 and under when traveling with a parent or grandparent
  • OneTrip Premier , which doubles most OneTrip Prime post-departure benefit limits
  • OneTrip Emergency Medical , a flexible and affordable plan that includes only post-departure benefits
  • AllTrips Basic , an annual travel insurance plan that provides emergency medical benefits for frequent travelers
  • AllTrips Prime , which offers affordable, reliable protection for a full 365 days of travel
  • AllTrips Executive , an annual plan built for business travelers
  • AllTrips Premier , which protects world travelers with multiple tiers of benefits

Wondering which plan is right for you? Get a quote for your next trip .

What’s covered by the emergency dental benefits in my travel insurance plan?

Breaking a tooth can spoil your trip just as surely as breaking an ankle. Fortunately, your emergency medical benefits also can cover emergency dental care. Just be aware that a sublimit applies to these benefits. For example, if you have a $20,000 limit for emergency medical benefits, that may include a $750 limit for dental benefits.

You should know, too, that these benefits are for dental emergency care only: a dental injury or infection, a lost filling, or a broken tooth that requires treatment. Your travel insurance won’t cover preventive care, cosmetic procedures, or any procedure that could safely wait until you return home.

What does emergency medical travel insurance not cover?

Travel insurance is designed to protect you in case of certain, unforeseen travel mishaps and emergencies. It’s not intended to apply to every possible scenario. When you read your plan documents, you’ll see that your travel insurance does not cover:

  • Pre-existing medical conditions , unless your plan includes the existing medical condition waiver and you’ve met all the requirements
  • Any medical condition that resulted in you being unable to travel on your policy or trip purchase date
  • Non-emergency care or services, such as elective cosmetic surgery, routine exams, long-term care, and other types of care
  • Any loss, condition, or event that was known, foreseeable, intended, or expected when your policy or trip was purchased
  • Intentional self-harm
  • Normal pregnancy or childbirth
  • The use or abuse of alcohol or drugs, or any related physical symptoms
  • Participating in or training for any professional or amateur sporting competition
  • Participating in extreme, high-risk sports and activities

This is only a partial list of exclusions. Please check your plan documents for the specific exclusions associated with your plan.

Do my emergency medical travel insurance benefits cover COVID-19?

Getting sick with COVID can be miserable… and it’s even worse if you’re far from home. But we’re here to help!

If your plan includes emergency medical benefits and the Epidemic Coverage Endorsement , then you may be reimbursed for costs for emergency medical care for COVID-19 or another covered illness, up to your specific plan’s maximum limit for the emergency medical benefit.

If your plan includes emergency transportation benefits and the Epidemic Coverage Endorsement, then your medically necessary evacuation — whether you have COVID-19 or another covered illness/injury — may be covered. You also get medical repatriation benefits, which means we can arrange and pay for your transportation home once you’re well enough to travel (with medical accommodations, if necessary).

Please note, this coverage only applies to plans that include the applicable benefit and covered reason. All benefits are subject to maximum limits of liability, which may in some cases be subject to sublimits and daily maximums. See your plan for details.

So how do emergency medical benefits work? Does my travel insurance pay upfront for medical care, or reimburse me later?

That depends on the situation. If the medical care you need is minor, such as getting stitches for a cut or a splint for a sprained wrist, you may pay out of pocket and then file a claim for reimbursement later.

If you need to be admitted to a hospital for inpatient care for longer than 24 hours, Allianz Global Assistance can guarantee or advance payments, where accepted, up to the limit of your emergency medical/dental coverage.

If you need emergency medical transportation, we can arrange and pay for it. In order for emergency transportation to be covered, however, Allianz Global Assistance must determine that it’s medically necessary and make the arrangement in advance. If we did not authorize and arrange the transportation, we will only pay up to what we would have paid if we had made the arrangements.

If I have a medical emergency while traveling, what should I do?

  • Don’t panic! Allianz Global Assistance is here to guide you.
  • If your illness or injury is life-threatening and/or requires immediate attention, call local emergency services. Remember that 911 doesn’t work in every country. Use the free Allianz TravelSmart app to instantly access the right emergency number for your location.
  • As soon as possible, contact Assistance and tell us what’s going on. Our Assistance team can refer you to a local, pre-screened medical provider; provide interpretation services when speaking with medical providers; guarantee payments to doctors or hospitals; and more.
  • If our medical team determines that local medical facilities aren’t sufficient to treat your condition, we can arrange emergency transportation to the nearest appropriate facility.
  • As you’re being treated, your Assistance coordinator will stay in touch with your doctor, review your medical reports, handle billing and keep your designated family member or friend updated on your condition.
  • Once you’re stable enough to travel, we’ll arrange transportation home. If you need continuing medical care in the United States, we’ll work with your health insurance provider and your primary healthcare provider to figure out a treatment plan.

Read more: What To Do In A Medical Emergency

Is my emergency medical travel insurance primary or secondary coverage?

It’s secondary coverage, which means that if you have health insurance, you must submit your claim to that provider first. Any payments or reimbursements from your other insurance providers will be deducted from your claim. Not sure what your insurance covers? Contact us and we can help you figure it out.

Is there any deductible or co-pay for my emergency medical travel insurance benefits?

No, there’s no deductible or co-pay. There is, however, a maximum limit for your emergency medical/dental and emergency transportation benefits, which you’ll find in your plan documents.

How do I know if my travel insurance plan covers existing medical conditions?

You’ll need to select a plan that offers a Pre-Existing Medical Condition Exclusion Waiver, and also meet the requirements in your plan. In short, if you insure your full non-refundable trip costs within 14 days of paying your first trip deposit, and you’re medically able to travel when you do so, you can be covered for most existing medical conditions.

An existing medical condition is defined as an injury, illness, or medical condition that, within the 120 days prior to and including the policy purchase date:

  • Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor;
  • Presented symptoms; or
  • Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).

The illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.

Read more: When Does Travel Insurance Cover Existing Medical Conditions?

How can the TravelSmart app help?

The Allyz ®  TravelSmart app from Allianz Global Assistance can help you navigate medical emergencies (and other crises) almost anywhere in the world. Use the app to:

  • Contact Assistance for help
  • Contact local emergency services with a single tap
  • Find the closest hospitals, doctors and pharmacies, including those that Allianz Global Assistance has identified as preferred providers
  • Get quick translations of first-aid and medication terms to help you communicate with doctors and pharmacists

Related Articles

  • Medical Emergency While Traveling? The TravelSmart App Can Help
  • How Assistance Services Can Help in Medical Travel Emergencies
  • Help Us Help You: The Emergency Travel Assistance Checklist

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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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AIG Travel Guard Insurance Coverage Review – Is It Worth It?

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AIG Travel Guard Insurance Coverage Review – Is It Worth It?

Why Purchase Travel Insurance

Core coverages, optional coverages for an additional fee, aig travel guard and covid-19, additional information — aig travel guard, to other travel insurance companies, to credit card travel insurance, the value of travel insurance comparison websites, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Purchasing insurance for your home, auto, or your life, can be complicated and time-consuming if you want to compare coverages and premium costs between companies. Fortunately, the process of purchasing travel insurance is quite simple , and you can secure immediate coverage within minutes.

It all starts with determining the coverages that most important to you, securing a quote, then making sure you’re purchasing from an established, highly-rated company. One such established travel insurance company is AIG Travel Guard .

With over 25 years of experience and high ratings from premier insurance financial rating company A.M. Best , AIG Travel Guard was named the best travel insurance company of 2020 by Forbes . Its Travel Guard Deluxe policy was also given a top 5-star rating by Forbes’ insurance analysts.

We’ll certainly discuss AIG Travel Guard’s policy offerings in our article today but we also want to discuss why you’d want to purchase travel insurance , whether travel insurance covers COVID-19, the process for obtaining a quote, and additional resources to help ensure you’re receiving good value.

Plus, if you’re wondering if you need to purchase travel insurance or whether you might have enough coverage elsewhere, you’ll want to read on.

While the primary reasons for purchasing travel insurance are to protect your economic investment and to cover unexpected additional expenses you might incur due to trip disruptions, purchasing travel insurance has another, more intangible, purpose.

Purchasing travel insurance can provide peace of mind prior to and during your trip as you won’t be worried that an unforeseen event will result in an economic loss. Knowing you have evacuation insurance when you’re traveling to a remote area on safari, for example, could be tremendously reassuring, even if you never use the coverage.

Here are some sample situations where travel insurance may provide coverage:

  • Your sister is diagnosed with a life-threatening illness and you must cancel your trip
  • You broke your ankle and will not be able to go on your skiing trip
  • You become ill and cannot travel
  • You or your traveling companion is terminated or involuntarily laid off from your job
  • You are summoned to jury duty or other legal action such as requiring you to appear as a witness

If your trip is expensive, complicated, or you need medical coverage while traveling, a travel insurance policy is a must.

Bottom Line: In addition to protecting your trip investment and covering unexpected expenses due to trip disruptions, travel insurance can also provide peace of mind before and during your travels. 

AIG Travel Guard — Coverages and Policy Options

AIG Travel Guard homepage

There’s probably nothing more boring than listing insurance coverages but it’s important to know the types of coverages you can expect when purchasing an AIG Travel Guard policy.

First, AIG Travel Guard offers 3 policy options for U.S. residents (not including NY residents), 3 separate options for NY residents, and 1 policy for Canadian residents.

  • Tr avel Guard Essential
  • Travel Guard Preferred
  • Travel Guard Deluxe
  • Travel Guard Essential Expanded — available to NY residents
  • Travel Guard Protect Assist — available to NY residents
  • Travel Guard Tour, Cruise, & Travel — available to NY residents
  • Gold Trip Cancellation Policy — available to Canadian residents

Coverage options and limits will vary by policy, however, you can expect to find the core and optional coverages listed here.

Here are the types of coverages you’ll find offered on AIG Travel Guard policies and the applicable coverage limits for each type of policy.

There are also additional coverages that may be included at no extra charge, depending on the policy type selected. Terms and conditions apply.

  • 1 child under 17 per covered adult is included for no extra charge
  • Pre-existing conditions waiver
  • Trip exchange coverage
  • Single occupancy fee coverage
  • Evacuation for a security reason
  • Non-flight accidental and dismemberment insurance
  • Worldwide travel and medical assistance services

You may secure any of the following add-on coverages by paying an additional fee.

  • Cancel for Any Reason Insurance — covers trip cancellation for any reason
  • Rental vehicle damage — coverage for collision damage when renting a vehicle
  • Pet bundle coverage — pet care, medical expenses, and adds pet illness to trip cancellation benefit
  • Adventure sports coverage — coverage for higher risk adventure activities
  • Increased lodging expense bundle — increases the amount covered under travel inconvenience benefit
  • Wedding bundle — coverage when a destination wedding is canceled
  • Name a family member bundle — select a traveler to be covered as a family member

Hot Tip: For more information and tips on purchasing travel insurance, start here in our article on travel insurance basics .

Travel insurance , in general, is designed to protect you from financial loss due to unforeseen events that may cause you to cancel your trip, or to cover disruptions that could occur during your journey. It is not meant to cover voluntary trip cancellations due to fear of getting ill.

Voluntary cancellations, including those that are related to the fear of getting ill, are not covered on travel insurance policies. However, there is 1 option for obtaining coverage for voluntarily canceling your trip.

Cancel for Any Reason insurance (CFAR) is an optional coverage that can be added to select travel insurance policies allowing you to cancel your trip for any reason you deem necessary and be covered for partial reimbursement.

AIG CFAR

AIG Travel Guard offers CFAR coverage as an optional add-on to add to its Preferred and Deluxe plans , with these stipulations:

  • Must be purchased within 15 days of the initial trip deposit
  • The trip must be canceled more than 48 hours prior to departure
  • The full cost of the trip must be insured for at the time of purchase

Cancel for Any Reason insurance does not cover the entire cost of the trip. In this case, to add CFAR insurance to the Deluxe and Preferred plans above, the additional premium would be $53.31 for coverage to cover up to 50% of the trip price. Additional options may be available to cover up to 75% of the cost of your trip.

The above prices are for a single trip 1-week in length for a traveler of 40 years of age at a cost of $3,000.

AIG Travel Guard policies, even without the CFAR insurance add-on, offer coverage for trip cancellations due to COVID-19 related illness and also medical coverage should a covered traveler become sick with COVID-19 during their travels. Terms and conditions apply.

Bottom Line: While trip cancellation, trip interruption, and emergency medical may offer some coverage for illness, you must purchase Cancel for Any Reason insurance to have coverage for canceling a trip due to the fear of getting ill. AIG Travel Guard offers this coverage on its Deluxe and Preferred plans.

Point-of-Sale Availability — In addition to offering travel insurance package policies directly to the public, AIG Travel Guard offers travel insurance products via several travel providers including airlines and various travel services. You’ll find the option to purchase Travel Guard protection during the checkout process with companies such as United Airlines or Frontier Airlines when purchasing a flight and when making a travel purchase via Costco Travel .

Call for Additional Quotes — While AIG Travel Guard does sell annual multi-trip policies, you must call to request a quote. Adventure sports coverage, medevac coverage, and rental vehicle damage coverage quotes are also available via phone.

15-Day Free Look Period — If you decide, after you have reviewed your purchased policy, that you do not want it, you may receive a full refund.

Cruise Insurance Option — AIG Travel Guard offers cruise insurance that includes cruise diversion and other applicable coverages.

Filing a claim — to initiate a claim, you can either call AIG Travel Guard at 866-478-8222 or access travelguard.com to begin the process. You will need your policy number handy. Once your claim is submitted, you can check the status at claims.travelguard.com/status .

How Does AIG Travel Guard Compare

First, know that when purchasing a policy from AIG Travel Guard, you’re buying from a highly-rated established insurance company. Here’s how the company stacks up in relative comparison with other travel insurance companies.

AIG Comparison

Comparing travel insurance policies can be complicated as coverage limits and prices vary widely. We looked at a 1-week trip to Mexico for a traveler 40 years of age and a total trip cost of $3,000 as criteria for obtaining a quote.

AIG Travel Guard’s Preferred plan, which prices out at around $200, aligns with the John Hancock Bronze policy above. Add in CFAR coverage, however, and the comparison costs are closer to AIG Travel Guard’s $254 premium for its Preferred level plan that also includes CFAR.

Squaremouth travel insurance

This 1 example uses the criteria of a specific trip for an individual traveler of a certain age and may not reflect the same relative premium costs as other comparisons.

Your own individual traveler information, the number of travelers, trip length, destination, state of residence, selected coverages, and the total cost of your trip will ultimately determine the premium cost. Our example is just a narrow snapshot comparison.

Bottom Line: Travel insurance policy coverages and costs vary dramatically. To ensure you’re receiving good value, determine the coverages that are most important to you, compare policy options, and purchase from a reliable company. 

The travel insurance coverages that come complimentary on your credit cards are no substitute for a comprehensive travel insurance policy. With that being said, the coverage that comes with your credit card could be enough to cover some trips.

Here are some examples of trips where you may not need travel insurance and the coverage you have on your credit card could be sufficient.

  • The trip consists of only a round trip domestic flight and hotel stay
  • The trip is a road trip by car
  • The trip does not include any non-refundable trip expenses
  • The trip does not have several travel providers involved
  • Your health insurance covers you while traveling and you are not worried about having additional medical coverage during your trip

Also, keep in mind that coverage offered on your credit card is generally secondary versus a primary travel insurance policy. This means you must first file a claim with other applicable insurance, including coverage with the airline or travel provider, for example, before the credit card coverage will kick in.

Bottom Line: If you have a significant investment at stake, several travel providers involved, or want medical coverage during your travels, you should purchase a comprehensive travel insurance policy for your trip and not depend on a credit card with travel insurance . 

Travel insurance is widely available and competitive. You won’t have trouble purchasing some level of coverage regardless of your situation. Additionally, there are travel insurance comparison websites that make it easy to find a policy that fits and purchase coverage that is effective immediately.

These travel insurance comparison websites are each easy to use, have qualified people to assist, and all feature policies offered only by highly-rated companies.

Travelinsurance.com

  • Instant coverage
  • Simple format, easy to secure a quote quickly
  • Guarantees the best price for the policy you’re purchasing

Squaremouth

  • Features 20 companies with nearly 120 different policy options
  • Its customer service team is award-winning
  • You can access thousands of customer reviews

InsureMyTrip

  • Educational content to assist you in understanding coverages
  • Features 21 highly-rated companies
  • Licensed agents can answer questions and assist with a claim

Bottom Line: Travel insurance comparison websites provide quick easy access to securing a quote, compare several high-rated travel insurance providers at once, and the benefit of receiving immediate coverage. 

While airlines and travel providers have made significant changes to cancellation, refund, and exchange policies, it’s still important to consider purchasing travel insurance if you’re uncomfortable with the possibility of losing your trip investment or incurring unexpected expenses during your journey.

In addition, if you need medical insurance coverage during your trip, you won’t find that coverage on a credit card or with the airlines — you’ll need to purchase it.

The fact that AIG Travel Guard does not exclude COVID-19 related claims under certain coverages and offers a Cancel for Any Reason add-on is significant as not every travel insurance company can make that claim.

Also, if you have children traveling with you, you may find good value with AIG Travel Guard having those under 17 included for no extra charge (1 per premium-paying adult).

The bottom line when purchasing travel insurance from AIG Travel Guard is that if you can secure the coverages you need at a price you’re comfortable with and you’ll know you’re completing that transaction with a highly-rated established company.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

Frequently Asked Questions

Is aig travel guard a good travel insurance company.

AIG Travel Guard is a highly-rated established travel insurance company. It is rated A by the prominent insurance financial rating company A.M. Best and has been in business for over 25 years.

It was also named the best travel insurance company of 2020 by Forbes.

Does AIG Travel Guard cover trip cancellation?

Yes, AIG Travel Guard will cover trip cancellations but only for covered reasons listed in the policy. Examples of situations that may be covered include becoming ill and having to cancel your trip, being called for jury duty or other covered legal obligation, or your home becomes uninhabitable.

Does AIG Travel Guard cover flight cancellations due to COVID?

AIG Travel Guard, like other travel insurance companies, does not cover canceling a flight due to the fear of getting ill. However, if you become ill from COVID-19 and have to cancel your trip, you may have coverage for trip cancellation, trip interruption, or emergency medical if should become ill during your trip.

How do I make a claim with AIG Travel Guard?

You can file a claim with AIG Travel Guard by calling 866-478-8222 Monday through Friday from 7 a.m. to 7 p.m. CST. You can also initiate a claim online at travelguard.com using your policy number and last name.

Once you have submitted a claim, you can check the status of your claim at claims.travelguard.com/status , using your claim number and last name.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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  • Best overall
  • Best for expensive trips
  • Best for exotic trips
  • Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

  • Best overall: Allianz Travel Insurance
  • Best for expensive trips: John Hancock Travel Insurance
  • Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

Allianz Allianz Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
  • con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
  • con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
  • Single and multi-trip plans available
  • Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
  • Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

John Hancock John Hancock Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
  • con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
  • con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
  • Trip cancellation for 100% of the trip cost
  • Trip interruption insurance for up to 150% of the trip cost
  • Emergency medical coverage of up to $250,000 per person
  • Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

World Nomads World Nomads Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
  • con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
  • con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
  • con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
  • Coverage for 150+ activities and sports
  • 2 plans: Standard and Explorer
  • Trip protection for up to $10,000
  • Emergency medical insurance of up to $100,000
  • Emergency evacuation coverage for up to $500,000
  • Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

AIG Travel Guard

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
  • con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

  • Trip cancellation coverage for up to 100% of the trip cost
  • Trip interruption coverage for up to 150% of the trip cost
  • Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
  • Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

  • Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
  • Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
  • Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

  • Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
  • Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
  • Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

  • Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

  • Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

  • Travel medical coverage - This coverage will pay for your medical bills outside the US.
  • Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
  • Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
  • Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
  • Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
  • Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
  • Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

  • Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
  • Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
  • Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
  • Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
  • Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

travel guard medevac

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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travel guard medevac

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Travel guard medevac plan.

Travel Guard Medevac Plan

When you are planning a trip, the last thing you want to worry about is what will happen if you or someone you love gets sick or injured while traveling. That’s where the Travel Guard Medevac Plan comes in. This comprehensive travel insurance plan provides you with peace of mind, knowing that you are covered in case of a medical emergency.

What is the Travel Guard Medevac Plan?

The Travel Guard Medevac Plan is a travel insurance policy specifically designed to provide medical evacuation and repatriation services. This means that if you or a family member becomes seriously ill or injured while traveling, you can be transported to the nearest suitable medical facility for treatment, or even flown back home if necessary.

Why Do You Need the Travel Guard Medevac Plan?

Medical Emergency Travel

When you travel, you are exposed to a variety of risks, including accidents, illness, and natural disasters. If you or someone you love experiences a medical emergency while traveling, the costs of medical treatment and evacuation can be astronomical.

The Travel Guard Medevac Plan provides you with financial protection, ensuring that you do not have to worry about the costs of medical care or evacuation. With this plan, you can focus on getting the care you need without worrying about the financial burden.

What Does the Travel Guard Medevac Plan Cover?

Travel Insurance Coverage

The Travel Guard Medevac Plan provides comprehensive coverage for medical evacuation and repatriation services. This includes transportation to the nearest suitable medical facility, as well as repatriation to your home country if necessary.

In addition, the plan also provides coverage for emergency medical expenses, including hospitalization, surgery, and emergency dental treatment. This means that you can get the care you need without worrying about the costs.

How to Purchase the Travel Guard Medevac Plan

Purchase Travel Insurance

Purchasing the Travel Guard Medevac Plan is easy. Simply visit the Travel Guard website and select the plan that best meets your needs. You can choose from a variety of coverage options, including single-trip or annual plans.

Once you have selected your plan, you can purchase it online using a credit card. You will receive your policy documents via email, and you can travel with peace of mind, knowing that you are covered in case of a medical emergency.

The Travel Guard Medevac Plan is an essential travel companion for anyone who wants to travel with peace of mind. With comprehensive coverage for medical evacuation and emergency medical expenses, this plan ensures that you are protected in case of a medical emergency while traveling. So, before you embark on your next journey, make sure you have the Travel Guard Medevac Plan in your travel bag!

NEVER assume your health plan provides protection when you travel internationally.

Understand your risk. Not sure? Read the FAQs below!

  • $1,000,000 Emergency Medical Evacuation
  • $150,000 International Medical Health Coverage
  • Trip cancellation, delay and interruption
  • COVID-19 health and quarantine coverage
  • Underwritten by Nationwide ®

Affordable Peace of Mind for the International Traveler

The world of travel insurance can be confusing. Too many choices with plans that offer inadequate coverage for health and safety emergencies or are simply too complex or expensive. At TravelCare, we've done the work for you. You can buy with the confidence that comes from TravelCare's over 20 years of experience in the travel health industry and our relationship with one of the most trusted brands in insurance, Nationwide ® . 

travel guard medevac

Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company.

TravelCare plans cost around $5 per day. Coverage highlights are as follows. Scroll down for more FAQs and to see full plan details.

TravelCare's Emergency Evacuation and Assistance and Travel Medical plans are underwritten by Nationwide combining the strength of TravelCare's experience with Nationwide's financial strength to offer unparalleled peace of mind for the International traveler.

Frequently Asked Questions

General questions  (16).

All you need to know to understand why you should never leave the U.S. without a TravelCare protection plan.

  • Many U.S. health plans do not provide adequate – if any – coverage overseas.
  • U.S. health plans generally do not cover emergency evacuations, which can cost you up to $200,000 or more, depending upon your circumstance and location.
  • Medicare does not provide coverage for hospital or medical costs outside the United States (except in rare emergency circumstances on our borders with Canada and Mexico) or emergency evacuations.

Yes. If medical treatment or evacuation is necessary for an insured with COVID-19 during their trip, the plan covers related expenses. Make sure to purchase both the TravelCare evacuation plan and the optional medical plan to cover both evacuation and medical expenses.

Unfortunately, that situation is not uncommon. Here in the U.S., where most our healthcare is financed by private insurance, people can receive medical treatment and admission to a hospital by presenting their health plan ID card. In other countries, where healthcare is generally provided under state-financed or state-provided health systems, that is not the case. Their financial infrastructure is not set up to provide care and then send a bill to a third-party to pay the costs after-the-fact. That is why it is common for foreign hospitals to require an up-front payment – often ten thousand dollars or more – or a "guarantee of payment" from a travel insurance provider they are familiar with, like Nationwide. You do not want treatment delayed or denied because you are having difficulty quickly coming up with the cash or sufficient credit balances on your credit cards.

It is highly unlikely that your regular medical plan will:

  • know the best place to get treatment in your foreign location;
  • pay a hospital in advance if necessary to assure your admission or treatment;
  • immediately speak with your treating doctor in his/her language to assess your condition, your treatment plans, and their ability to provide appropriate care;
  • pay tens (or even hundreds) of thousands of dollars to evacuate you to a higher level of care if you cannot receive adequate care where you are;
  • accept medical records in a foreign language or pay claims in foreign currencies;
  • be available 24/7 to receive calls to assist you and advocate for you in any language.

Most people need emergency travel assistance and evacuation services, and Travel Medical insurance, to get proper protection – even if they have great health coverage here in the U.S.

Medicare does not cover medical expenses incurred while traveling abroad except in rare circumstances. (Medicare may cover you if you're in the U.S., but the closest hospital is across the border, or if you have a medical emergency while traveling through Canada between Alaska and another state).

Only some Medicare Supplement plans cover emergency health care provided in a foreign country. For those that do, the coverage: (1) is limited to 80% of $50,000 after you pay either a $250 or $2,000 deductible, (2) does not apply for emergencies after you have been on a trip for 60 or more days, and (3) does not provide any coverage at all for emergency medical evacuations.

The government does not take financial responsibility to cover the costs of Americans that become ill or that are seriously injured abroad. While a consular officer can assist in the transfer of funds from the United States, payment of emergency services including evacuation, repatriation, hospitalization and other expenses is the responsibility of the traveler.

Before selecting Nationwide as our preferred carrier, we considered most of the top U.S. providers of international travel medical insurance. We feel Nationwide offers the best combination of broad benefits, affordable rates, financial strength and high-quality customer service. People know and trust the Nationwide brand.

We selected United Healthcare Global as our preferred travel assistance provider as they are a worldwide leader in their field and provide services to many of the U.S. leading multinational and global companies. We feel UHG offers the best combination of financial strength, operational excellence and medical and security expertise to manage any situation that a traveler may experience while in a foreign country. People know and trust the United Healthcare brand.

United Healthcare Global is a global medical, safety and security travel assistance company that delivers:

  • a fully integrated solution focused on prevention, intervention and response
  • a world-class, worldwide assistance infrastructure
  • first-world standards of primary and emergency medical care in remote and hazardous locations
  • a strengthened global network of practicing medical specialists and resources
  • robust medical, safety and security protocols
  • emergency medical and security evacuation and crisis response capabilities
  • extensive travel intelligence, insurance and protection services
  • specialized technical and operational health and safety expertise

Nationwide Mutual Insurance Company, based in Columbus, Ohio, is one of the largest and strongest diversified insurance and financial services organizations in the U.S. and is rated A+ by both A.M. Best and Standard & Poor's. The company provides customers a full range of insurance and financial services, including auto insurance, motorcycle, boat, homeowners, pet, life insurance, farm, commercial insurance, annuities, mortgages, mutual funds, public and private sector retirement plans, long-term savings plans and specialty health services.

The assistance company is a 24/7 multilingual service available to assist you when you are traveling internationality. They have the expertise and resources to help you when you are faced with travel, medical, legal, personal security and other emergencies or concerns when traveling internationally, regardless of the severity. You simply call a toll-free phone number from within the country (or you can call them collect from anywhere in the world), and they will assist you.

It is important that the assistance company is notified as soon as possible. They will monitor your care and work through the complex details of foreign hospitalizations. They will immediately speak with your treating doctor to assess your condition, your treatment plans, and whether or not an evacuation is necessary. They will update your family, employer and personal physician as appropriate. In addition, they will coordinate all insurance verifications and admission details.

The assistance company can direct you to the hospital in your locale that is most capable in getting you treatment. If you elected to purchase the TravelCare Travel Medical Insurance, they will coordinate all Nationwide insurance verifications and billing, including making advance payment arrangements with the hospital, like issuing a "guarantee of payment" on behalf of Nationwide. This ensures that there is no delay or denial of medical treatment because you are unable to make the up-front payment or because your regular insurance is not recognized. The assistance company will settle any guarantees of payment with the hospital on Nationwide's behalf.

The assistance company has expertise in knowing the capabilities of international hospitals and clinics. That information, in conjunction with their assessment of the treating physician's diagnosis and treatment plans, will enable the assistance company's physicians to make an evaluation of whether the local hospital is capable of providing you the treatment you need. If the assistance company's doctors are of the opinion that you cannot receive appropriate care there, they will make arrangements to have you evacuated to either: (1) the nearest hospital where adequate treatment can be obtained or (2) to a hospital of your choice near your home in the U.S. to obtain further treatment or recover (or both). The assistance company will consult with all parties involved and fully manage all logistics of the evacuation.

In the event of a security situation, you can call the assistance company for help at any time. Additionally, if the situation is deemed to require Non-medical Emergency Evacuation, you are covered up to $100,000.

You can call the assistance company for help at any time. They will assist you with lost or stolen passports, legal referrals, translation services, emergency transfers of funds and a variety of other travel related issues.

Questions About the Plan  (12)

Answers to the most common TravelCare plan questions are below. More plan questions? Call (866) 223-2835 option 4. (M-F 8:30AM to 5:00PM EST)

As a natural extension of our health and safety expertise, it became increasingly apparent that we also needed to make it easier for the medical community to convey the importance of securing Emergency Evacuation services and Travel Medical Insurance to ensure that our travelers are not left:

  • stranded without access to appropriate resources in the event of a medical or security emergency, or
  • unable to secure medical treatment or admission to a hospital because their primary insurance at home does not provide adequate coverage or services when overseas

Sure, in plain English, here's a summary of what TravelCare plans cover:

If you need to be evacuated for emergency medical reasons, the Emergency Assistance Services will make all the arrangements and cover the costs of transporting you with appropriate medical supervision to the nearest appropriate medical facility and/or taking you home. Costs for air ambulance services can run over $200,000 depending upon your location and circumstance.

In addition, if you need to be evacuated for political or emergency security reasons, the Emergency Assistance Services will make all the arrangements and cover the costs up to $100,000 to transport you in a secure fashion to the nearest safe place, and when conditions allow, then return you back to your point of origin or take you home.

There are also a variety of additional services included and available 24/7 that help you with the kind of problems international travelers often experience.  Click here  for Complete Emergency Assistance Service details.

When you purchase the optional Travel Medical Insurance, it will make advance payment arrangements to get you into the best foreign hospital in your locale (generally foreign facilities will not agree to provide care, then bill your insurance at home), and then pay your foreign hospital and medical expenses directly, up to $150,000. They deal with the medical records in foreign languages, the foreign currencies, etc., and you have no deductibles or co-pays.  Click here  for Complete Travel Medical Insurance details including plan maximums based on your age at time of purchase.

Coverage may be purchased with VISA, MasterCard or American Express.

A trip can be as short as 1 day or as long as 90 days; however the minimum premium equals 7 days of coverage.

Nationwide will pay your providers directly for your covered expenses, or will reimburse you for covered expenses if you paid the providers directly. If Nationwide then determines the benefits paid under their plan are eligible benefits under any other benefit plan, they may seek to recover expenses from the other plan to the extent the other plan would have covered as well. Any recoveries Nationwide makes helps to keep the cost of their coverage down.

All coverage will begin on the later of the Effective Date, or upon Your departure from Your Home Country

Your coverage will end at 11:59 P.M. local time on the date that is the earliest of the following: (a) upon Your return to Your Home Country; (b) when Your Trip exceeds ninety (90) days.

No. Both the Emergency Evacuation and Assistance plan and Travel Medical Insurance plan will pay 100% of the reasonable and customary charges for the expenses they cover up to the plans' maximums.

Yes. Please  click here  for a complete listing of the Emergency Evacuation Service exclusions and limitations, and all other terms and conditions of the coverage. You can also call TravelCare's insurance plan administrator, at (800) 753 1000 option 6 - Monday to Friday between 8:30 am and 5:00 pm Eastern Time. 

Yes. Please  click here  for a complete listing of the Travel Medical Insurance exclusions and limitations, and all other terms and conditions of the coverage. You can also call TravelCare's insurance plan administrator, at (800) 753 1000 option 6 - Monday to Friday between 8:30 am and 5:00 pm Eastern Time.

Plan Details

Ready to learn more.

Book a personalized demo today or simply join our mailing list.

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AIG Travel Guard insurance review: What you need to know

Whether you need an annual plan or a policy for a last-minute trip, travel guard can deliver..

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Travel Guard is one of CNBC Select 's picks for best travel insurance , thanks to its wide range of customizable policies. But are any of them right for you? Below, we review the provider and its offers and how they compare to the competition to help you choose the right travel insurance for your next trip.

Travel Guard review

Other insurance offered, how it compares, bottom line, travel guard® travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

  • A variety of plans are available to help cover different types of trips
  • Not all products are available for purchase online

Travel Guard® is a global travel insurance provider specializing in plans for leisure and business travelers. Its online travel insurance packages include five options, from basic and last-minute trip coverage to more comprehensive plans. This allows travelers to pick a plan that best matches their situation.

For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and delayed baggage, and medical, evacuation and death coverage.

On the other hand, the Deluxe Plan — the most comprehensive option — adds such extras as missed connection coverage, security evacuation, travel inconvenience benefits and more. It also boosts high limits for essential coverages.

Last-minute travelers can opt for the Pack N' Go Plan which only includes certain post-departure coverages. Or, if you travel often, the Annual Plan can cover your trips throughout the year.

Finally, Travel Guard offers "offline" travel insurance packages, meaning you'll have to call if you're looking for a specialty plan.

Coverage types

Depending on the plan, here are the types of protection Travel Guard can include in your package:

  • Trip cancellations
  • Trip interruption
  • Baggage coverage
  • Baggage delay
  • Travel medical expenses
  • Travel inconvenience benefits (reimbursement for such situations as runway delays, cruise diversion and other unforeseen situations)
  • Medical evacuation
  • Trip Saver (reimbursement for meals, hotels and transportation if you need to begin your trip sooner due to weather or airline changes)
  • Trip exchange (reimbursement in case you have to cancel your trip and book a new one due to covered unforeseen circumstances)
  • Security evacuation (due to a riot or civil disorder)
  • Flight guard (coverage for accidental death or dismemberment that occurs when traveling by plane)
  • Pre-existing medical conditions exclusion waiver

You can also customize your plan with add-ons, such as car rental insurance and "cancel for any reason" coverage .

Travel Guard landed on our list of the best travel insurance companies thanks to its variety of coverage. With plenty of options to choose from, both online and offline, it's easy to build a policy that meets your needs.

Travel Guard also features 24-hour concierge services that you can use to book a new flight in case of an emergency or delay.

The provider's website also offers informational resources — here, you can check travel news, read safety tips and find general travel advice. Additionally, the website lets you modify your plan, file a claim and check its status, or apply for a voucher or refund.

As of writing, Travel Guard doesn't offer any discounts. That's common for travel insurance — you're more likely to find deals when shopping for other types of insurance, such as home and auto insurance .

Travel Guard is a portfolio of travel insurance and travel-related services offered by AIG Travel, a member of American International Group (AIG). AIG also offers life insurance and a variety of business insurance products.

Travel Guard makes it easy to get a travel insurance policy customized to your needs. But before you purchase coverage, it's always a good idea to shop around.

For example, if you're going on a cruise, you might want to look at Nationwide Travel Insurance . The provider advertises cruise-specific insurance with three plan options available. This type of coverage is designed with issues unique to cruises in mind — from ship-based breakdowns to missed pre-pard excursions.

If you're planning a more active trip filled with rock climbing or sky diving, Berkshire Hathaway offers the AdrenalineCare® plan which features coverage for unforeseen costs that result from participating in extreme sports on your trip, as well as reimbursement for sporting equipment delay. Pre-existing conditions are covered under this plan (if you meet qualifying conditions).

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

As you can see, offerings vary by provider. It can be helpful to compare multiple companies and the plans they offer to find what works best for you. It's even better if you gather several quotes to ensure you're getting a good price for your policy.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Travel Guard offers plenty of ways to customize your policy, making it a solid choice for travel insurance. You can also access additional options by giving Travel Guard a call. However, make sure to check out other travel insurance companies too — comparison shopping is essential when picking any type of financial product.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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AIG Travel Guard Insurance | Money

W e’ve reviewed Travel Guard from AIG as part of our exploration of the best travel insurance companies of 2023. This review will cover the pros, cons and features of AIG Travel Guard to help you decide if it’s the best travel insurance provider for you.

Best for Add-Ons

AIG travel insurance stands out for its wide variety of add-on options. Travel Guard offers a security bundle, pet bundle, sports bundle and many other add-ons to customize your travel insurance.

AIG Travel Guard Travel Insurance Pros and Cons

AIG Travel Guard is one of many insurance providers that support international travelers while they’re abroad. It isn’t your only option, so let’s take a look at how the company’s policies compare to competitive offerings. Here’s an overview of what you can expect from a Travel Guard travel insurance policy.

  • Up to $1 million in evacuation coverage
  • Plenty of add-on options
  • Optional waiver for pre-existing conditions
  • CFAR upgrade doesn't cover the entire trip
  • Premiums can get expensive

Pros explained

AIG Travel Guard insurance is highly rated across review platforms. This might be the right insurance company for you if you’re looking for a policy with high coverage for medical evacuations, a range of add-ons and waivers for pre-existing conditions.

$1 million medical evacuation coverage

One of the main reasons people buy travel insurance is to pay for an emergency medical evacuation. If you get sick or injured while abroad, you may need to be evacuated for your safety.

With Travel Guard Deluxe from AIG, you get up to $1 million in coverage for medical evacuations. Travel Guard Preferred offers $500,000 for evacuations, and Travel Guard Essential offers $150,000. That coverage goes toward flights and other costs to get you to a safe location where you can receive high-quality medical care.

Offers a variety of special add-on coverages

AIG Travel Guard Insurance offers a wide variety of add-on coverage options. These riders can be added to your plan to customize your trip. These include:

  • Medical bundle: This supplies extra coverage for medical costs and the option to choose your hospital.
  • Wedding bundle: This allows you to cancel your trip if a destination wedding is canceled.
  • Pet bundle: This provides a daily benefit for the costs of traveling with a dog or cat, plus coverage for veterinary bills.
  • Inconvenience bundle: This covers certain problems that don’t end your trip, such as credit card cancellations, closed attractions and trip delays.
  • Adventure sports bundle: This removes coverage exclusions for injuries caused by extreme sports such as scuba diving, skydiving and rock climbing.
  • Baggage bundle: This gives increased coverage for baggage loss and delays.

Pre-existing medical conditions waiver available for purchase

If you have a pre-existing condition that could lead to medical costs during your trip, Travel Guard offers waivers to extend coverage for those expenses. The waiver must be bought before your trip. It might be worthwhile for travelers with chronic conditions, immune system deficiencies, and other conditions that can make traveling especially dangerous.

Cons explained

AIG travel insurance isn’t right for everyone. Before you buy a Travel Guard plan, you should be aware that you can’t get a full reimbursement when you cancel for any reason and that your premium might be more expensive than other options.

Cancel for Any Reason upgrade only covers 50% of trip costs

Cancel for any reason (CFAR) policies are common with travel insurance companies. This add-on allows you to be reimbursed no matter why you cancel your trip.

A standard travel insurance plan only offers reimbursements for a prescribed list of eligible reasons for canceling. These include medical or weather-related emergencies and the death of a close family member or traveling companion. But with CFAR, you can cancel under any circumstances and still receive coverage — as long as you do so 48 hours before departure.

Unfortunately, AIG Travel Guard with CFAR only offers a 50% reimbursement of your prepaid travel expenses. Other companies offer a higher reimbursement percentage, so consider whether you want more comprehensive protection before signing up for this insurance.

Expensive premiums

AIG Travel Guard is not the cheapest travel insurance company out there. Your exact premium depends on several factors, including your destination, plan type, add-ons and age. But based on our sample quotes, AIG travel insurance plans are slightly more expensive, on average, than other insurers’ plans.

AIG Travel Guard Travel Insurance Plans

Like shopping for the best travel credit cards , choosing the best travel insurance plan takes time and research. The best plan will save you money and give you peace of mind, while the wrong plan could be an unnecessary expense. That’s why looking for insurance companies offering multiple policy options is best.

AIG Travel Guard offers three main plans plus two bonus plans for international travel insurance. Let’s break those options down in detail.

Travel Guard Essential is a very basic travel plan offered by AIG. This budget-friendly plan comes with standard coverage for trip cancellations, interruptions and delays. Medical coverage goes up to $15,000 plus $500 for dental costs and $200 for lost or damaged baggage.

The Essential plan is best for a tourist or short-term traveler who is willing to sacrifice comprehensive coverage for a lower insurance premium. The plan can be beefed up with any of AIG’s add-on bundles.

Travel Guard Preferred is a mid-priced option for someone who wants more coverage. This policy comes with medical coverage of up to $50,000 and evacuation coverage of up to $500,000. Damaged, lost or stolen baggage is covered up to $1,000.

Travel Guard Deluxe, the most expensive plan offered by AIG, comes with a wide range of benefits and includes security evacuation, missed-connection coverage, trip-saver coverage and more. This plan offers up to $1 million for a medical evacuation.

Travel Guard Deluxe is a good choice for someone traveling to rural or dangerous areas. It covers almost any emergency and even includes robust coverage for your beneficiaries in case of a fatal accident.

AIG’s Pack N’ Go plan is designed for travelers who buy their insurance at the last minute. There is no cancellation coverage, but this plan offers up to $25,000 in medical coverage plus $500 for lost or damaged baggage. Buying travel insurance at the last minute is not recommended, but this is a helpful option if you plan a trip quickly.

You can purchase an annual travel insurance plan through AIG. An annual plan is ideal for someone who travels frequently, especially to dangerous areas. With Travel Guard’s annual plan, you’ll get:

  • Trip delay coverage: $150 per day, up to $1,500
  • Trip interruption coverage: up to $2,500
  • Lost baggage coverage: up to $2,500
  • Baggage delay coverage: up to $1,000
  • Medical expenses coverage: up to $500,000 (dental coverage up to $500)
  • Accidental death coverage: up to $50,000
  • Emergency evacuations and repatriation of remains: up to $500,000

These benefits apply to multiple trips within the same year. You can renew your coverage annually or cancel at the end of a payment period. Purchasing an annual plan is usually less costly than insuring two trips individually.

AIG Travel Guard Travel Insurance Pricing

AIG travel insurance is comprehensive but on the higher end of the price spectrum. Premiums for Travel Guard Essential and Premium are on par with industry standards. Travel Guard Deluxe is slightly more expensive because of the added coverage that comes with it.

For example, our quote for a month-long vacation in Europe for two people costing around $5,000 came to around $300 with Travel Guard Premium and $560 with Travel Guard Deluxe. Add-on bundles will add a flat rate to that price. Our quotes for the same trip came out to around $150–$300 with other travel insurance companies.

Of course, that’s just an estimation. Your exact premium will vary depending on your travel dates, destination, age, number of people in your party and other factors. AIG family travel insurance goes up in price for each family member added.

Talk to an AIG Travel Guard representative to get a personalized quote for your travel insurance. You can also request a quick quote online for a basic estimate.

AIG Travel Guard Travel Insurance Financial Stability

AIG Travel Guard is an established insurance provider and a publicly traded company. It has an A rating from AM Best, which reflects a high degree of financial strength and stability. AIG also has a rating of A2 from Moody’s and an A+ from Standard and Poor’s. Because Travel Guard is a product of AIG, you should expect this insurer to remain stable in the future.

AIG Travel Guard Travel Insurance Accessibility

Here’s how AIG Travel Guard compares with other top insurers in terms of accessibility.

Availability

AIG travel insurance offers coverage on six continents. You can search for your destination country on AIG’s website to ensure coverage is available, but remember that not all coverage is available in all destinations.

When it comes to buying travel insurance, AIG is only available to residents of the U.S.

Contact information

You can call AIG’s travel insurance phone number any time to get more information about your policy or request help. Both of these numbers have 24/7 availability:

  • U.S. toll-free, 1-855-203-5962
  • U.S. and international collect, 1-715-345-0505

If you need to file an AIG travel insurance claim, you can connect with a customer service agent online or over the phone. You can also reach AIG by mail at:

Travel Guard

3300 Business Park Drive

Stevens Point, WI 54482

User experience

While it does offer a travel-assistance app, this insurer isn’t as up-to-date with modern technology as other options. Its Travel Assistance app has 2-star ratings on both Google Play and the App Store and is difficult to navigate. The website is also slightly confusing and has several pages stating the same information. On top of that, AIG travel insurance claims must be filed directly with an agent.

However, getting a quote on the AIG website is easy. It takes less than a minute, and you don’t need to provide your name or any contact information.

AIG Travel Guard Travel Insurance Customer Satisfaction

AIG Travel Guard receives a high rate of customer complaints. It’s rated 1.01/5 stars with the Better Business Bureau. Some reviewers report a lack of helpful customer service and problems getting their AIG travel insurance refund for a canceled trip.

Keep in mind that these complaints are fairly standard in the travel insurance industry. Your individual experience will vary depending on your plan and other details.

AIG Travel Guard Travel Insurance FAQ

What does aig travel guard travel insurance not cover.

  • Pre-existing conditions (without an optional waiver)
  • Traveling against your doctor's advice
  • Traveling against warnings about war or other dangerous conditions
  • Trip cancellation due to concerns over a COVID-19 outbreak at home or in your destination country. You may be eligible for cancellation coverage if you have a confirmed diagnosis of COVID-19 before your departure.

What is the AIG Travel Guard claims process like?

Is aig travel guard travel insurance worth it, how we evaluated aig travel guard travel insurance.

We evaluated AIG Travel Guard for this review based on several factors, including:

  • Range of plan options
  • Accessibility
  • Customer reviews and complaints
  • Claims filing process
  • The extent of coverage for the cost

Summary of Money’s AIG Travel Guard Travel Insurance Review

AIG Travel Guard stands out for its variety of add-ons. Its optional bundles allow you to customize your plan to meet your travel needs. While the Deluxe plan is a little more expensive than other options, Travel Guard could be the right choice for you if you value flexibility and extensive coverage.

Whichever insurance policy you choose, be sure to plan ahead and buy your insurance far in advance. Keep an eye out for other ways to save on your trip, including the best travel rewards credit cards and travel booking sites .

© Copyright 2023 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

Explainer-AIG-Travel-Gaurd-Insurance

MedEvacGlobal

MedEvacGlobal

“Get Your Plan Rates Today!”

Available to all U.S. Residents to age 84

We pick-up where others fall short

If you were hospitalized away from home with a injury or illness, travel insurance, health insurance and premium credit cards won’t bring you home. Being treated outside your healthcare network, away from your doctors, your family and friends will not only be a financial burden, but may compromise your health and well-being. The out-of-pocket costs of such a transport start at $20,000 for a domestic flight and can reach over $ 100,000 for an international flight. Travel with peace of mind and be prepared with Travel MedEvac, your solution home when the unexpected happens.

The ONLY medical evacuation plan in the WORLD with ALL these features!   True regulated premium insurance, not an unregulated membership program.

Secure today a Travel MedEvac Insurance policy now and enjoy enhanced benefits while saving money.

* Some restrictions may apply see Questions and Answers

Your Travel MedEvac Plans will also include many other services and benefits including:

  • Air Medical Transport to Your Home Hospital of Choice
  • Ground Ambulance Transport from Hospital-to- Hospital
  • Return of Dependents:
  • Visitor Transportation:
  • Return of Stranded Vehicle, RV and Watercraft
  • Disabled Driver Vehicle/RV/Watercraft Return
  • Transport and Repatriation of Mortal Remains
  • Transport of Traveling Companion or Family Members

GUARANTEED ACCEPTANCE FOR ALL APPLICANTS! 

Travel MedEvac Insurance guarantees acceptance for all applicants and there are no waiting periods for stable pre-existing conditons.

Any accidental Injury or sickness when traveling against the advice of a Physician is not covered.

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Coast Guard coordinates medical evacuation of TN fisherman off Kerala coast

08 may 2024, 06:21 am ist.

travel guard medevac

A critically-ill fisherman being evacuated by the Indian Coast Guard (ICG), off the Kerala coast | PTI

Ernakulam: The Indian Coast Guard conducted a medical evacuation of a Tamil Nadu fisherman from Kerala's Beypore coast on Tuesday.

The fisherman, identified as Ajin, aged 26, hailing from Tamil Nadu's Kolachal, was rescued from IFB Jazeera 40 nm off Beypore, an official statement of the Coast Guard said.

As per the statement, AD Fisheries in Beypore raised a medical distress to the Maritime Rescue Sub Centre (MRSC), Beypore, regarding the drowning of one fisherman from a fishing boat.

"Though the fisherman was promptly rescued by the IFB, the health condition of the patient was deteriorating due to the ingress of seawater into his lungs. Considering the gravity of the situation, ICG immediately launched Advanced Light Helicopter with a medical team embarked at 1500 hrs from Kochi whilst Coast Guard ships Aryaman and C-404 had also responded to the distress," the statement mentioned.

The statement further said that the condition of the fisherman is "stable and under observation."

" The IFB was located and the patient was airlifted to Kochi. On arrival, the patient was immediately shifted to a nearby hospital. At present, the patient is under observation and the condition is stable," it added. (ANI)

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    Travel Guard North America offers a MedEvac plan that covers 100% of the costs for medical evacuation and up to $100,000 for security evacuation due to security reasons. The plan can be purchased individually or per trip, annually or per family, and includes emergency medical expenses. The plan is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa.

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  15. The Comprehensive Guide to Emergency Medical Travel Insurance

    An emergency medical evacuation — that is, being transported to a medical facility by helicopter, plane or ambulance — can be even more expensive. The cost of an emergency medical evacuation overseas can reach six figures in some parts of the world. Fortunately, insurance can arrange and pay for medically necessary emergency transportation.

  16. AIG Travel Guard Insurance Coverage Review

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  18. AIG Travel Insurance Review 2024: Pros and Cons

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    The Travel Guard Medevac Plan is a travel insurance policy specifically designed to provide medical evacuation and repatriation services. This means that if you or a family member becomes seriously ill or injured while traveling, you can be transported to the nearest suitable medical facility for treatment, or even flown back home if necessary.

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  26. Coast Guard coordinates medical evacuation of TN fisherman off Kerala

    Ernakulam: The Indian Coast Guard conducted a medical evacuation of a Tamil Nadu fisherman from Kerala's Beypore coast on Tuesday. The fisherman, identified as Ajin, aged 26, hailing from Tamil ...