When you travel, especially internationally, it's crucial to consider taking out repatriation insurance. This type of insurance is essential to guarantee your safety and well-being in the event of a medical emergency abroad. If you need to be repatriated, the insurance will cover the costs incurred, in accordance with the terms and conditions of the policy. This article guides you through the basic aspects of repatriation insurance.
What is repatriation insurance?
Repatriation insurance covers the cost of returning you to your home country in the event of serious illness or death while you are abroad. This service is vital to ensure that you receive the care you need in a suitable environment. Here's what's usually covered in repatriation insurance:
- Assistance in the event of illness, bodily injury, death or natural disaster while travelling.
- Transport home for the sick or injured person and another insured person as an accompanying person.
- In certain cases, the extended stay or return of other insured persons is covered.
- Hospital visits if you are hospitalised during your trip without an accompanying person.
- Reimbursement of medical expenses paid abroad up to a maximum of EUR 250,000.
- Early return from abroad in the event of the death or hospitalisation of a close relative or if your home is seriously damaged.
Differences between repatriation and medical evacuation
Although similar, repatriation and medical evacuation differ in their purpose. Medical evacuation aims to transfer the patient quickly to the nearest medical centre, while repatriation means returning to the country of origin to continue treatment.
How do I choose the best repatriation insurance?
Choosing the right insurance requires understanding the options available and considering your specific travel needs.
Here's a quick comparison:
Here is an updated comparative overview with links to each insurance :
1 Assur Travel
Cover: Assur Travel stands out for its comprehensive offer, which includes medical repatriation and death cover, pre-departure PCR tests, flight delays, lost luggage and even cancellation insurance. An interesting option is the possibility of a family member joining the traveller in the event of hospitalisation, with financial support for accommodation.
Price: The price is €80, fixed regardless of the length of stay, making this a very attractive option for those looking for insurance with no surprises.
My opinion: For those looking for comprehensive cover at a fixed price, Assur Travel is an exceptional option. Its breadth of cover for a single price is particularly suited to travellers who don't want to get bogged down with details.
2 ACS Globe Partner
Cover: This insurance is recommended for travellers on a budget, covering actual repatriation costs, but with less ancillary cover than Assur Travel. It does, however, offer solid cover for medical repatriation and accidents.
Price: Approximately half the price of the other options.
My opinion: ACS Globe Partner is ideal for those who want reliable insurance without spending too much. Although it offers fewer additional benefits, it remains a robust option for repatriation.
3 Chapka Insurance
Cover: Chapka offers full actual cost cover for repatriation, with additional options such as legal assistance and extended medical cover, including for COVID-19.
Tariff: on quotation, varies according to your requirements
My opinion: Chapka Assurance is ideal for those looking for all-in-one insurance that covers not only repatriation but also other important aspects of travel. It's a good option for travellers who prefer comprehensive protection.
4. insure
As a copywriter specialising in insurance products, here's my analysis of Assurever's offer, based on the information available on their website.
Assurever
Coverage:
Assurever offers a comprehensive range of travel insurance and is a specialist travel insurance broker offering extensive cover.
Rates:
Rates are affordable for the range of cover.
My review:
Assurever seems to be a very solid option for those looking for customisable travel insurance with extensive cover options. Their flexible approach to pricing and adjustable cover to suit the specific needs of the traveller make them a very good choice.
Factors to consider before taking out insurance
Before taking out insurance, assess the coverage of medical expenses, exclusions, coverage limits, and the overall assistance network. Also make sure that the insurance covers the countries where you plan to travel.
Situations covered by repatriation insurance
Understanding the situations in which the insurance applies is essential to avoid any unpleasant surprises in the event of an emergency.
Typical scenarios requiring repatriation
Scenarios include serious accidents, illnesses requiring specialist care unavailable locally, or unstable political conditions requiring immediate departure.
Decision and action process in the event of an emergency
In the event of an emergency, the insurer assesses the medical situation with local professionals and decides on the best course of action, whether repatriation or local treatment.
Advantages of comprehensive repatriation insurance
Comprehensive insurance offers more than just peace of mind.
Financial and logistical support in an emergency
It covers the high costs of medical transport and ensures the coordination needed for effective repatriation.
Case studies and testimonials from travellers
Testimonials from travellers who have benefited from this type of insurance can help you understand its importance. For more information and detailed examples, visit Europ Assistance .
To organise your trip efficiently and find out more about the different types of insurance available, visit www.discoverent.com .
Repatriation insurance is more than an option; it is a necessity for any traveller who is aware of the risks associated with international travel. By choosing your insurance wisely, you can ensure your safety and that of your loved ones, whatever the circumstances.
