What is Evacuation Coverage?
Under Arch RoamRight travel insurance, there are two types of evacuation: medical evacuation and security evacuation.
Medical evacuation insurance will pay for certain transportation costs (and associated medical services) to the closest adequate medical facility in an emergency. RoamRight also offers an upgrade to medical evacuation insurance that allows you to be taken to a healthcare facility of your choosing, once you are stable enough for such a transfer. Additionally, medical evacuation insurance will pay certain costs to return your dependent children home and/or to bring someone to the medical facility where you are staying if you were traveling alone.
Security evacuation insurance will cover the expenses of getting you to safety if the country you have traveled to causes your personal safety to be at risk. This can happen for several reasons, including natural disaster, political unrest and civil uprising. Security evacuation plans may also include non-insurance assistance services that can also handle the logistics of your evacuation while communicating with your friends, family, and employers back home.
What is Repatriation Coverage?
Repatriation coverage has three different facets to it: Medically Necessary Repatriation and Repatriation of Remains.
Medically Necessary Repatriation is coverage to return you to your point of origin, primary place of residence, or to a hospital or medical facility closest to your primary place of residence capable of providing continued treatment. Repatriation will only occur if your local attending physician and our assistance provider determine that it is medically necessary.
Repatriation of Remains provides coverage in the unfortunate event that you should pass away while traveling. All Arch RoamRight plans have repatriation of remains coverage to prepare and return your body home to your loved ones.
What does evacuation and repatriation insurance cover?
Travel insurance with emergency evacuation and repatriation can cover: †
- Expenses incurred from transportation expenses for an emergency medical evacuation to the nearest hospital or medical facility where suitable medically necessary treatment is available if it is deemed that the nearest hospital cannot provide adequate care.
- Expenses incurred in order to transport you to your point of origin, primary place of residence, or to a medical facility closest to your primary place of residence if your local attending physician and our service provider determine it is medically necessary.
- Expenses related to embalming, local cremation, minimally necessary casket for transport, air transportation of remains, and any other expenses required comply with local laws.
†For a full list of coverage, including limitations and exclusions, please consult your policy.
What does evacuation and repatriation insurance not cover?
There are some exclusions when it comes to evacuation and repatriation coverage. This list is not meant to be a full list of exclusions. For a full list of exclusions, consult your policy.
For medical evacuation, repatriation and repatriation of remains, most Arch RoamRight plans have the following exclusions and limitations. These may vary by state and by plan, so it’s best to check your policy for details.
- suicide, attempted suicide or any intentionally self-inflicted injury of You, a Traveling Companion, Family Member or Business Partner booked to travel with You, while sane or insane;
- war, invasion, acts of foreign enemies, hostilities between nations (whether declared or undeclared), or civil war;
- participating in maneuvers or training exercises of an armed service or police force of any country;
- mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);
- participating as a professional in a stunt, athletic or sporting event or competition;
- participating in skydiving or parachuting, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails; or heli-skiing, any race or speed contests, scuba diving if the depth exceeds 130 feet or if You are not PADI or NAUI certified to dive and a dive master is not present during the dive; spelunking or bodily contact sports;
- piloting or learning to pilot or acting as a member of the crew of any aircraft;
- being Intoxicated or under the influence of any controlled substance unless taken as administered or prescribed by a Physician;
- the commission of or attempt to commit a felony or being engaged in an illegal occupation;
- normal pregnancy (except Complications of Pregnancy) and/or resulting childbirth, except as otherwise covered under Trip Cancellation or Trip Interruption, or voluntarily induced abortion;
- any non-emergency treatment or surgery, routine physical examinations, hearing aids, eye glasses, contacts or any Elective Treatment and Procedures;
- any loss occurring during a Trip booked or taken for the purpose or intent of securing medical treatment;
- a mental, or nervous or psychological disorder, unless Hospitalized for that condition while the policy is in effect for You;
- a loss that results from an illness, disease or other condition, event or circumstance that occurs at a time when the policy is not in effect for You.
For political and security evacuation, these conditions and limitations include:
Coverage is only applicable for evacuation arranged or coordinated by our program assistance provider
A Political or Security Evacuation is not covered from Afghanistan, Iraq, Somalia, Chechnya, Democratic Republic of the Congo, Iran, Israel West Bank, Israel Gaza Strip, Ivory Coast, Lebanon, Libya, North Korea, Sudan, or Syria.
Political or Security Evacuation from your home country is not covered
Political or Security Evacuation if the political or security event precedes your arrival in the country is not covered
Political or Security Evacuation when the evacuation notice has been issued or posted by the recognized government of your home country or the host country for a period of more than seven days and you have failed to notified our program assistance provider regarding your need to be evacuated.
Only one Political or Security Evacuation is covered per trip
What To Do When The Worst Happens On A Trip:
While we do not always want to plan for it, it is always a good idea to know what to do in an extreme emergency when traveling.