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Travelex Review

Monday, June 17th

2024 Medical Evacuation Reviews

Travelex Review 3.5 Star Rating

Travelex

3.5 Star Rating
  • 3 tiers of insurance policies to choose from, all of which include medical evacuation
  • Coverage ranges from $100,000 to $1 million for medevac situations
  • Policies include up to $25,000 in expenses for medical escort
  • Companion evacuation covered as part of trip interruption benefit
  • Transportation provided to closest "adequate licensed" medical facility
  • "A+" rated and accredited by the BBB
  • In business since 1996
  • Affiliated with Zurich Insurance Group

Originally founded in 1996 in Omaha, NE, Travelex quickly rose to prominence as one of the top three travel insurance providers in the United States. In 2016, it expanded its global reach by joining the Cover-More Group, a subsidiary of Zurich Insurance Group, further solidifying its position in the industry.

Responds to the needs of travelers

Today, Travelex continues to innovate and adapt to the ever-changing needs of travelers, offering personalized protection products and services aimed at making travel safer and more accessible for everyone. With a mission to be a globally recognized travel insurance provider with heart, Travelex wants to inspire confidence in travelers as they embark on their adventures around the world.

Best Medical Evacuation Services

All policies cover medevacs

All of Travelex's insurance policies include medical evacuation. Let's take a look at the differences in coverage:

  • Travel Basic: covers a maximum of $100,000 in emergency evacuation and/or repatriation of remains, plus escort coverage of up to $25,000. This also comes with $15,000 towards emergency medical expenses resulting from an injury or illness while you're traveling. This insurance policy covers a maximum trip length of 30 days and a per-traveler cost of $10,000.
  • Travel Select: boosts your coverage to $500,000 for medevac and/or repatriation, plus escort benefits of up to $25,000. If you upgrade to include additional medical coverage, your emergency evacuation benefit jumps to $1 million. This policy covers all children 17 and under when traveling with a covered adult; just make sure to list the kids on the plan when enrolling. This plan can cover trips of up to 364 days, and our Kenyan safari-goer got a quote of $1,149.
  • Travel America: you get up to $250,000 in coverage for emergency evacuation/repatriation, and up to $50,000 in emergency medical expense reimbursement. This plan is designed for coverage of up to 8 travelers on a US-based trip of 14 days or less, priced at just $60. It also comes with car rental collision coverage and roadside assistance.
  • Travel Med: this plan offers you $100,000 in medevac and repatriation coverage, and up to $10,000 in coverage for emergency medical costs. However, even though this coverage was described in the section about medevac options, we couldn't find a quote for it or a description anywhere else on the Travelex site. We reached out and learned that Travel Med is a post-departure plan, meaning that it does not include any trip cancellation benefits. After entering your trip details on the website and hitting "get a quote", next to "comprehensive", click on "post-departure", to see the details of that policy.

Fantastic record for handling general claims

We're happy to report that Travelex has an "A+" rating and accreditation from the Better Business Bureau, with only 19 complaints filed in the last three years. That's a pretty big advantage over some medical evacuation providers in our review whose complaints number in the hundreds. And, as an insurance company on the whole, Travelex gets pretty good reviews. Customer ratings usually average well over 4 stars out of 5, though the vast majority come from policyholders who are grateful not to have needed to make a claim. But, even among those who had to file for benefits to be applied, Travelex still was recommended by nearly 90% of those leaving reviews.

Best Medical Evacuation Services

Most of the usual limitations for medevac coverage

However, we couldn't find any feedback specifically from policyholders who needed their Travelex policy to cover a medical evacuation, so it's hard for us to say what kind of experience you'd have with that aspect of their service. And, the medical evacuations here do have limitations. You get the usual wording of "nearest adequate licensed medical facility" rather than the hospital of your choice. So, let's say you're being evacuated from a cruise to the British Virgin Islands: it'll be up to Travelex to determine if you could get "adequate" care there, or maybe they'd transfer you to the not-so-great hospital in your hometown instead of the one a little further away in your state that specializes in whatever went wrong while you were traveling. That's a little lackluster compared with some of the options on our list, but it's pretty comparable to most generic travel insurance policies. (Also, for what it's worth, this information wasn't anywhere we could easily find on the Travelex site. We had to pop open a chat with a Travelex rep to get those answers.)

Travel companions covered under a different benefit

We also asked about benefits for travel companions. Our Travelex chat rep said this: "If one traveler has an unforeseen illness or injury requiring an evacuation, the other insured travelers would be eligible for the trip interruption benefit. This will allow the traveling companion to travel with the person being evacuated, provided there is room for them to travel together. However, that person's transportation costs would fall under our Trip Interruption benefit, instead of the evacuation benefit." So, those travel escort benefits we spotted only apply to the cost of sending a medical professional with the evacuated patient, not towards members of the travel party.

Better than most catch-all travel insurance policies

So, at the end of the day, should you choose Travelex for medical evacuation coverage? Perhaps. You could get a well-rounded insurance policy for your trip, and it does come with medevac benefits. But, if you're super-focused on medical evacuation protection, the policies here aren't quite as generous and robust as some of the options on our list who specialize in getting you out of wherever you got hurt or sick and transporting you to whichever facility you prefer. Travelex is above average overall, so we have given the company a good rating. But, we'd definitely recommend comparing your coverage here with other options on our list: only you can determine how heavy you want your focus on medevac benefits to be, and whether or not you want those benefits to be included with an overall travel insurance policy.

Which Medical Evacuation Service is the Best?

Medical evacuation services have gained significant popularity due to the critical role they play in ensuring timely and efficient transport of patients needing urgent medical care. This rise in popularity is due to a number of factors that emphasize the importance of accessibility, advanced medical care, and global reach in emergency situations.

Imagine you're trekking through a dense jungle in Southeast Asia when you slip and severely twist your ankle. Stranded in a remote location with no immediate medical aid, you activate your emergency beacon. Within hours, a specialized medical evacuation team arrives by helicopter, transporting you to the nearest advanced medical facility for treatment.

The Best Medevac Services Compare Medevac Services Compare Medical Evacuation Reviews What are the best Medevac Services Best Medical Evacuation Reviews

Medical Evacuation FAQ

Medical evacuation coverage provides assistance in transporting you from a location where you're injured or ill to a medical facility capable of providing appropriate care. It's essential because it ensures you receive prompt medical attention, especially in remote areas where local facilities may be inadequate for your needs. It also helps protect you financially: out-of-pocket costs for medevac services can range from $15,000 to over $150,000.
Air ambulance services domestically typically involve transporting patients between hospitals within the same country, often for specialized care or to reach a higher-level facility. On the other hand, medevac services during travel refer to the evacuation of individuals from a foreign country back to their home country or to a suitable medical facility.
Yes, medical evacuation coverage typically covers at least one travel companion for the member being transported. If you've purchased a family plan, your coverage will usually include transportation for everyone on the policy. However, they may not actually be booked to travel with you if there isn't room, and the benefit may come from a different part of your policy (the trip interruption benefit instead of the evacuation portion).
While medical evacuation coverage is designed to provide assistance in emergencies, there may be limitations depending on your policy. For example, coverage may be subject to certain conditions, such as being a certain distance from home or requiring hospitalization. Additionally, there may be restrictions on pre-existing medical conditions or certain high-risk activities.
In most cases, medical evacuation coverage does not require pre-approval for emergency services. However, it's essential to contact your coverage provider as soon as possible in the event of a medical emergency to initiate the evacuation process and ensure timely assistance. Most policies stipulate that the provider has to be the one to arrange the medevac in order for it to be covered by the policy, so be sure to read the terms carefully and understand what steps you'll need to take to qualify.
Assessing your travel plans, destinations, and potential risks can help you determine if medical evacuation coverage is necessary. If you're traveling to remote or high-risk areas, participating in adventure activities, or have pre-existing medical conditions, medical evacuation coverage can provide invaluable peace of mind and assurance during your travels.
Medical evacuation is indeed included in some travel insurance policies, but there are several reasons why you might consider a separate medical evacuation policy. Firstly, the extent and quality of medical evacuation coverage can vary significantly between travel insurance policies. A separate medical evacuation policy often offers more comprehensive coverage specifically tailored to emergency transportation needs, including air ambulance services and repatriation to your home country. Additionally, travel insurance policies may have coverage limits, exclusions, or restrictions that could impact the level of assistance you receive during a medical emergency. Having a dedicated medical evacuation policy ensures you have access to specialized assistance and resources in critical situations.
Not typically. Health insurance primarily focuses on covering medical expenses related to diagnosis, treatment, and hospitalization for illnesses or injuries. However, medical evacuation involves specialized transportation services to transfer individuals from one location to another for medical care, and that's not usually covered by health insurance.
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Continued from above...

Of course, most of us don't live such exciting lives. But, medical evacuation might still be a necessity: you might be on a business trip in a different town when you experience sudden chest pain, or perhaps you're on a cruise in the Caribbean and you break your arm getting on the tender to the port. If the local hospital lacks the necessary facilities and expertise to address your condition adequately, having medical evacuation coverage can get you transportation to a renowned cardiac center in a nearby city or back home to the States for surgery on your arm in a facility you trust (and in a language you speak).

One of the biggest reasons for the popularity of medical evacuation services is the critical need for rapid response in medical emergencies. When people suffer severe injuries or illnesses in remote or inaccessible locations, the ability to quickly transport them to advanced medical facilities can be life-saving. Medical evacuation services provide a vital lifeline, ensuring that patients receive immediate attention and are moved to appropriate care centers with minimal delay.

Additionally, the level of care provided during medical evacuations is a key factor in their appeal. These evacuation services are often equipped with advanced medical equipment and staffed by highly trained medical professionals, including doctors, nurses, and paramedics who specialize in critical care transport. This can ensure that patients receive continuous and specialized medical attention throughout the journey, bridging the gap between the site of the emergency and the healthcare facility.

Medical evacuation providers offer crucial services for individuals who encounter medical emergencies while traveling, typically transporting a patient from one location to another, often from a remote or under-equipped medical facility to a more advanced one, or even back home.. These services can be purchased as standalone memberships or policies, or they can be bundled with travel insurance policies offered by insurers.

How can you determine which type of medical evacuation coverage is right for you, and from which provider? There's a lot to keep in mind, but here are a few ways you can compare your options and make your choice:

  • Coverage area. Consider where you frequently travel. Providers may offer global coverage or have limitations based on regions or countries. Ensure your chosen provider covers the areas you visit most. Also look into whether the provider is networked with other evacuation services for greater coverage.
  • Medical services provided. Evaluate the range of medical services offered. This includes emergency medical evacuation, repatriation of remains in case of death, medical referrals, and assistance in locating appropriate medical facilities.
  • Transportation options. Look into the transportation options available. Providers may offer air ambulances, ground ambulances, or even commercial flights with medical personnel onboard. The speed and level of medical care during transportation can vary.
  • Coverage limits and exclusions. Understand the coverage limits and exclusions of the policy. Some providers may impose restrictions on pre-existing conditions or adventurous activities like extreme sports.
  • Cost and value. Compare the cost of coverage against the value of services provided. While affordability is important, prioritize comprehensive coverage over low premiums, especially considering the potentially high costs of medical evacuation. One way that some companies add value is through additional benefits like coverage for trip cancellation/interruption, transportation for travel companions, or even returning your vehicle to your home.
  • Reputation. Be sure to consider what other clients say about the medical evacuation provider. Is there ample evidence that they'll come through for you in your time of need? Can you rest assured that you'll be able to reach someone 24/7 and get a quick response time?

Medical emergencies can be unpredictable, but having reliable evacuation coverage can give you a lot of peace of mind while traveling. To help you choose the right plan and provider, the experts at Top Consumer Reviews have meticulously researched and ranked some of today's most popular medevac options. Use this information to get the protection you need for your next adventure!

The Best Reviews of Medevac Services