They are the nightmare scenarios you’d rather not consider, but still want to prepare for: maybe it’s breaking a leg while biking through Tuscany, or having a heart attack on a remote island with no decent hospital. The good news is that with the right evacuation coverage, you can avoid the $200,000 bill for emergency medical transport to the best regional medical facility, or even home to a hospital you trust. Here’s what you need to know about how to get home if disaster strikes—and how to protect yourself from the financial repercussions.

What kind of medical transportation does conventional travel insurance offer?

Some travel insurance policies will pay for transportation to a medical facility, should you become sick or injured—but they will usually only take you to the nearest facility that they deem appropriate. If you’re traveling internationally, that probably means a clinic or hospital in the country you’re visiting, where you’ll be treated until you’re well enough to take a commercial flight home. At a bare minimum, you should make sure that your insurance provides at least $100,000 in coverage for medical evacuation to the nearest adequate medical center.

What if I want to be flown to a hospital near my home for treatment?

If you’ve been hospitalized away from home but you want to be treated near family and friends, you need a second layer of protection. Specialized medical-evacuation programs such as Medjet, Global Rescue, AirMed International, and Global Guardian will transport members to the hospital of their choice once they are medically stable. You can purchase a short-term membership from one of these programs to cover a single trip, or an annual membership for an entire year’s worth of travel. The cost of medical evacuation to a hospital back home can easily reach $150,000 or more, so this benefit is important on both international and domestic trips. A few travel insurance providers, including Travel Guard and Ripcord, include transport to your “hospital of choice” in some of their plans.

What if I get Covid during my trip?

Only a few medical evacuation programs will transport Covid-positive patients. Medjet will transport members who are hospitalized with Covid while traveling globally (subject to the local safety situation—State Department Level 3/4 advisories prompted by extreme violence may preclude evacuations); their individual memberships start at $99 for eight days of coverage. Covac Global will evacuate Covid-positive members who are not hospitalized, but only if it is deemed “medically prudent to avoid hospitalization”; those not evacuated receive a $500 stipend for each day they spend in quarantine. Individual Covac Global memberships that cover medical evacuations, including for Covid, start at $765 for 15 days.

Which medical evacuation program do you recommend?

Wendy personally has a MedjetHorizon membership covering her and her family, partly because it offers crisis protection too: If during a trip you feel that your safety and security may be threatened—because of a political incident, terror attack, or other crisis—Medjet will come to the rescue. As for travel insurance to get you as far as the nearest medical facility that the insurance company deems appropriate, the policy that Wendy purchases for her and her family members always depends on the circumstances of the trip, but she often chooses and recommends Travelex Insurance Services. That’s because its Travel Select policy is the policy she’s received the best feedback about from travelers, when it comes to reliability, generosity, and customer care. Transparency disclosure: Medjet and Travelex are both sponsors of WendyPerrin.com. But that’s because Wendy believes in them and uses them herself. (Travelex Insurance Services is not related in any way to the defunct currency-exchange business Travelex.)

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