"emergency Evacuation Coverage: Peace Of Mind For Remote Australian Travels"

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Many benefits available from your credit cards are well known and well used. However, benefits like trip cancellation insurance, delayed baggage insurance, lost baggage insurance, and trip delay protection can literally save the day and justify paying an annual fee.

"emergency Evacuation Coverage: Peace Of Mind For Remote Australian Travels"

Today we'll explain a couple of lesser-known benefits that hopefully you won't have to use but, if needed, can protect you from extreme financial hardship and ensure that your family and loved ones are provided for for if something happens to you. You can easily find the scope and terms of any protection your credit card offers by doing a quick web search for the card's updated benefits guide.

Insurance: Definition, How It Works, And Main Types Of Policies

Often called common carrier insurance, this is a policy that pays in case of death, loss of sight or loss of limb(s) while on a plane, train, ship or bus that is licensed to carry passengers and is available to the public. Some cards also have travel accident insurance that offers protection for the entire length of a trip (up to 31 days in length) but pays less than common carrier insurance policies. To qualify, you usually have to pay for the entire price with the credit card.

Different credit cards have different payment tables for how much your beneficiary would receive in case of death, loss of one limb, loss of two arms, loss of sight in one eye or becoming legally blind. Typically, coverage is also extended to authorized users on the account, spouses, domestic partners, and dependent children of the cardholder on trips paid for with the card.

By default, the beneficiaries in order of priority are spouse, then children, then estate. You can submit a letter to the card issuer to establish another beneficiary.

In the past, when traveling to remote destinations such as the Maldives and Fiji, I purchased third party emergency medical evacuation insurance, not realizing that the cards I already had would have covered me. There are some essential aspects of emergency evacuation insurance offered by credit cards that you need to understand and follow so that you do not aggravate your medical situation with the stress of financial hardship:

Best Medical Insurance Policies For Travel In Europe 2023

For all the relevant information, make sure you download and read the entire section of the benefits guide relating to these covers. Here are a few cards that offer travel accident insurance and/or emergency evacuation.

The Amex Platinum card eliminated travel accident insurance in 2020. However, the card still offers one of the most generous emergency evacuation coverage of any card. There is no cap on costs and benefits are extended to immediate family and children under 23 (or under 26 if enrolled full-time at school). Best of all, you don't even have to use the card to pay for the trip.

You must be on a trip of less than 90 days and at least 100 miles away from your residence. A Premium Global Support (PGA) administrator must coordinate everything to avoid incurring any cost. The benefit will also pay an economy air fare for a child under the age of 16 to be returned home if they are left unattended, pay for an escort to accompany that minor if it is necessary to get them home, and get a family member to the treatment area if there are more than that in the hospital. 10 consecutive days are expected.*

Other American Express cards offer access to the Premium Global Assist Hotline. However, anything they coordinate will be at your expense. Make sure you read your Amex card benefits guide carefully.

Service & Maintenance Packages

*Eligibility and benefit level varies per card. Terms, conditions and restrictions apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by the Premium Global Assistance Hotline, emergency medical transportation assistance can be provided at no cost. In any other circumstance, card members are responsible for the costs charged by third party service providers.

The Chase Sapphire Reserve offers two different travel accident insurance benefits: common carrier travel accident insurance and 24-hour travel accident insurance. The former applies when riding as a passenger in, entering or leaving any common carrier. The latter applies at any time during your trip - but you can't be paid out on the common carrier and 24 hour policies.

If you use your Chase Ultimate Rewards points to book your trip, you're covered under the card's benefits.

People eligible for coverage include "you, your spouse, your spouse's or domestic partner's children, including adopted children or stepchildren; legal guardians or wards; siblings or in-laws; parents or parents- in-laws; grandparents or grandchildren; aunts or uncles; nieces or nephews." Chase pays up to $1,000,000 for a common carrier loss and up to $100,000 for a 24-hour policy loss based on the following table:

Reasons You Need Medical Evacuation Insurance

Some interesting exceptions with Chase that would stop payment include the insured person participating in a motor race or speed competition, the insured person participating in any professional sporting activity for which they received a salary or prize money or if the insured person is traveling or flying. on any aircraft flying a rocket-propelled or rocket-launched aircraft.

The Chase Sapphire Reserve also offers emergency evacuation insurance. If at least part of your trip or a close family member's trip was paid for with the card, you're eligible for up to $100,000 in emergency medical evacuation. Your indoor trip must be between five and 60 days and be at least 100 miles from your residence. If you are in hospital for more than eight days, the benefits administrator can arrange for a relative or friend to fly economy class to your location. You can also be reimbursed for the cost of an economy domestic ticket if your original ticket cannot be used. In a worst-case scenario, the benefit also pays up to $1,000 to return your remains.

The Chase Sapphire Preferred Card offers the same travel accident coverage as the Reserve, except with lower premiums on the common carrier policy. The benefits pay up to $500,000 for a common carrier loss and up to $100,000 for a 24-hour policy loss based on the following table:

The top tier United Club Unlimited Card offers travel accident cover and emergency evacuation cover. The travel accident insurance benefits pay up to $500,000 for a common carrier loss.

Patriot Platinum Travel Medical Insurance

The card also carries the same benefit as Chase Sapphire Reserve for emergency evacuation, with up to $100,000 of coverage provided for evacuation.

We hope that none of us will ever have to worry about either of these policies, but it's nice to have peace of mind if you or your family need emergency help. This security is just one more reason to always have one of these cards in your wallet when you travel. Each card's benefits guides are updated regularly, so make sure you don't throw them in the bin when updates appear in the post and read the guides online for the terms and latest conditions.

Editorial disclaimer: The views expressed here are solely those of the author, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by anyone. of these entities. Blueprint is an independent, advertising supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may affect how and where products appear on this website.

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Patriot Travel Series

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Imagine you're on your dream holiday skiing through the Swiss Alps and you take a serious fall that shatters your femur. To make matters worse, the health care facility in the remote town you are visiting does not have adequate doctors, equipment or supplies to treat you. what are you doing?

Paying out of pocket to be transported to a proper medical facility could cost you tens of thousands of dollars. That's where a comprehensive travel insurance plan with emergency medical evacuation benefits comes into play.

While every plan is different, buying enough medical evacuation insurance can give you peace of mind that you'll be taken care of no matter what happens when you're away from home. And that an outrageous medical bill is not one of the souvenirs you bring home.

Traveling Abroad? Get Health Insurance For International Travelers

Medical evacuation insurance is often found in comprehensive travel insurance policies in the form of a benefit known as emergency medical evacuation, medical evacuation or repatriation insurance. This benefit covers the cost of emergency medical transport to the nearest adequate treatment center if you become seriously injured or ill whilst travelling. If applicable

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