This type of insurance is relatively new to Canada and TravelInsure.ca is proud to be the Canadian Representative for two of the best known and largest brands in the US – SkyMed International and MedJet Assist.
Why do I need this insurance?
This type of insurance offers benefits in addition to those provided by your Emergency Medical Policy. An Emergency Medical Policy gets you better, a Medical Evacuation policy gets you home (or to a treatment facility of your choice).
Medical Evacuation Insurance may also be a good choice for those with unstable pre-existing conditions which would be excluded from an Emergency Medical Policy or other conditions which would make you ineligible for that type of coverage. For those people, although the medical costs would NOT be covered (except for in-flight), at least your out of pocket costs would be cut back significantly. You could be returned to your home province where your care would be covered by Provincial healthcare.
Regardless of medical necessity, we will arrange medical transfer for members to the hospital of their choice with no pre-existing condition exclusions (under age 75 – varies by policy), health questions, deductibles or claim forms. There are no monetary limits to the program’s benefits and no restrictions on the amount or type of travel taken annually.
How do these programs work?
These programs are available for a single trip, or they can be purchased on a subscription basis, renewable at the end of the chosen term. Monthly, 1, 3, and 5 year memberships are available.
If I want to be transported from one hospital to another in medical emergency, are all my costs covered?
As long as an enrolled member meets the required criteria per the rules and regulations, we will arrange medical transfer from bedside to bedside. This may be a huge benefit to get you to a specialty hospital (Mayo Clinic etc.) if required to get the best care you can.
Who makes the decision as to whether I am transported?
The medical department consults with the local attending physician to determine stability for transfer. As long as the member meets the transport criteria and is stable for transfer, it is the member’s ultimate decision as to whether or not he or she is transported.
How many transports am I allowed each year?
Two transports per year per membership for members under age 75. Except in the case of a common accident involving multiple family members, in which case each and every member of the enrolled family will receive one transport.
How long will my repatriation take if I’m hospitalized internationally?
Medical repatriation timeframe is dependent on multiple factors, including but not limited to, required permits and visas for the respective countries. If you have questions regarding this issue, please contact the insurer prior to your travels.
What constitutes a “family” under family plan membership?
Primary member, domestic partner or spouse and up to five dependent children up to the age of 19 (or up to age 23 if a full-time student).
Doesn’t my current health care insurance cover emergency evacuations?
The vast majority of traditional health providers do not provide coverage for air medical evacuation and transportation services. If there is some coverage of this type, it will likely contain restrictions and significant out-of-pocket costs. Check with your provider for specific details.
Do you have the resources to transport my entire family if all of us were involved in a medical emergency and subsequently hospitalized?
Yes. Some authorized affiliate aircraft have the capability of transporting up to two critical patients simultaneously, as well as dispatching multiple aircraft at one time. Through our affiliate network, we also have the capability of transporting several non-acute patients at once on a common aircraft.
Is a medical evacuation expensive?
Yes. Domestic air medical evacuation services normally average $10,000 to $20,000, while international transports can exceed $100,000. As a member of a Medical Evacuation program, the membership fee is the only expenditure for complete domestic and international protection.
Does the Insurer operate or maintain its own aircraft?
Not always. Typically they are authorized Indirect Air Carriers (IAC) utilizing the services of licensed Part 135 air carriers to meet your air ambulance transportation needs. They do not necessarily own, lease or operate any aircraft, and have no affiliation with any direct air carrier. As an IAC, the insurer contracts for the provision of air transportation services in its own name and coordinates the provision of medical services for your flight. All flights are operated by licensed direct air carriers.