Did you know that it can cost upwards of $50,000 to $100,000 just to pay for an emergency medical evacuation, depending on your location in the world and how far away you are from your home country origin! That is just for the ride in the "ICU configured" jet that is transporting you. This cost doesn't include medical care costs associated with the registered nurse(s), respiratory therapist(s) and any other ancillary medical staff, treatments and medications on board during the flight.
General commercial airline transports (where you are stable enough to fly back with a registered nurse on a commerical airline) still can cost a significant amount of money. Having a plan that costs just a few dollars a day to cover these unexpected costs is certainly worth the purchase. And you must do so BEFORE traveling. Don't think it can't happen to you. Accidents happen all the time and sudden and unexpected illnesses are just as likely. These are just a few of the reasons to have an emergency medical evacuation plan.
What is repatriation of mortal remains ? Kind of a morbid topic but one that a savvy globe trotter should be considering, especially if they have any dependents back home. Essentially, should the unthinkable occur abroad (death), your family (dependents) would need to get your "mortal remains" returned home. This process is called "repatriation" and can be potentially daunting and political, depending on what country you might have been visiting. Repatriation is also costly with pricing running into the tens of thousands of dollars.
Life happens and it happens without warning. Be prepared with emergency medical evacuation and repatriation benefits.
Accidental death and dismemberment (AD&D) is a type of life insurance, not medical insurance. AD&D pays claims upon death or dismemberment for accidents only. For this reason, it is very easy to apply for accident coverage since there are no medical questionaires or exams required. "Accident" is a very broad category and includes claims related to not just typical accidents we commonly think of, such as being hit by a car or plane crash, but acts of terrorism resulting in death would also fall under the accident category as well. For this reason, AD&D is commonly used and sought after for those traveling to third world or unfriendly countries where there are higher risks of accidents and acts of terrorism.
If you have a family or dependents, you should be taking out supplemental AD&D before every trip abroad, as traditional life insurance plans will commonly fall short of covering claims abroad and especially in war zones. If you are a contractor working in a war zone such as Iraq, Afghanistan, Sudan, Syria and the like, we recommend learning more on our war zone contractor page.
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