What is Medical and Emergency Medical Evacuation Coverage?

Ask Dan

Written by: Dan Drennen, Director of Sales and Marketing

Published: Aug 1, 2016

K.S. from Texas asks: I have booked a tour to Iran through a Canadian agency that requires travel insurance with $250,000 of medical and emergency medical evacuation coverage. I would like the medical coverage to be primary (first-payer) coverage. What plans do you have?

 

Dan answers: 

Thanks for the question, K.S. We do have trip protection plans with $250,000 of primary medical coverage, but unfortunately the underwriter will not accept Iran as a travel destination. It’s not unusual to see a disclaimer like this one during a travel insurance application when traveling to certain destinations.

"Please note, coverage is not available while traveling in the following countries: Afghanistan, Burundi, Central African Republic, Chad, Congo, Eritrea, Guinea, Iran, Iraq, Lebanon, Liberia, Libya, Mali, Niger, North Korea, Pakistan, Sierra Leone, Somalia, South Sudan, Sudan, Syria or Yemen."

However, we do have travel protection packaged plans offering $250,000 to $500,000 of secondary medical coverage that will insure a person traveling to Iran or the other countries listed above.

K.S. then informed me that she had several trips coming up in the next year. Our multi-trip coverage solution was a Patriot Multi-Trip International plan from International Medical Group. Her plan includes $1 million of secondary coverage (with a $250 deductible per illness) and covers her every time she leaves the states for trips up to 30 days in length. Her annual plan premium was only $200.

 

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