Travel Insurance Emergency Evacuation due to unrest

[Elbig]

Exactly the reason we have it. 

[GeezerCouple]

12 minutes ago, DrHemlock said:

Exactly.  That's what it is, and Horizon is what it's called.  Copied and pasted from their website, Horizon offers in addition to the regular MedJet med-evac service: 

24/7 travel security response and evacuation services due to political threat, terrorism, natural disaster, pandemic and violent crime

24/7 crisis response to kidnap for ransom, disappearance, wrongful detention, blackmail and extortion.

We have it; wouldn't be without it as most of our overseas travel is on our own.

 

Thanks.

 

Have you ever used the "non-medical" coverage?
Have you ever been in a situation where you were considering calling MJA to help, under the non-medical coverage?  (No need for personal details, obviously.)

 

We always have MJA regular (medical) coverage when we are traveling internationally.  And one time, we came very close to calling them.

 

(We still joke that The Fates must have overheard us mumbling, "Should we call MJA...?" when I was in hospital overseas, because at about that time, I turned the corner and started to improve.  We lost a week of our trip, but were able to recover the final week.  Our regular travel insurance covered all of the "extra costs".  It could have been *much* worse...)

 

In the past, we figure that our main non-medical concern is if some destination starts looking dicey.  We've considered using CFAR (Cancel For Any Reason) once for that reason, at least getting back 75% of our non-refundable costs.  We may rethink things in the future... 😡

 

GC

[Hlitner]

1 hour ago, GeezerCouple said:

 

 

OP asked about both "medical" evacuation AND "in the event of political unrest": 

 

 

I thought that MJA had a higher (= more expensive) level of coverage where they would help in non-medical situations.  (Was that called "Horizon"?)

Unrest would probably qualify, but I'm not sure if they would operate in a war zone... sort of like MJA did not initially handle Covid patients (although they later did).

 

Also, Hank, MJA does NOT require that "medically necessary" condition; that is, to us anyway, the key feature of their coverage.  The *patient* decides if the medical care is acceptable, not beancounters or local medical staff (who may be reluctant to declare themselves not able to care for the patient/condition).

 

GC

The devil is in the details (fine print) right from the MJA site:

 

"Medical Assessment – Medjet will require a Medical Assessment in order to determine membership benefits and stability for transport. The Medical Assessment requires a consultation between the Member’s treating physician, who will provide a final or interim diagnosis that will require continued inpatient hospitalization, and a Medjet physician, who will review and evaluate the treating physician’s diagnosis in order to determine the Member’s transport requirements. A Member must be medically stable for medical transport."

 

The issue of "medical stability" becomes the key phrase.  It also required hospital to hospital (inpatient).  None of this has anything to to do with "political unrest."  Just like any medical evac policy, there will be physicians involved which can be a good thing...or a real problem.

 

Hank

 

[DrHemlock]

1 hour ago, GeezerCouple said:

Have you ever used the "non-medical" coverage?
Have you ever been in a situation where you were considering calling MJA to help, under the non-medical coverage?  (No need for personal details, obviously.)

Nope; have never used or considered using either one.  They're just in our pocket for "in case."  We don't travel deliberately to a troubled country or area, but circumstances can change quickly even in places considered generally safe.  Take Washington, DC, for example....😎

Edited June 13, 2023 by DrHemlock

[DOJO466]

On 6/11/2023 at 6:40 PM, GeezerCouple said:

 

You might try calling to see if they will reprice it.

Or there may be a free review period, in which case you could just cancel and re-purchase.

If you purchased through a travel insurance broker, ask them for help.

 

GC

THANK YOU for this info. Just called Medjet and they are issuing a $40 refund. I just love CC. Info on these boards have saved me a LOT od money over the years.