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What We Have learned About International Air Ambulance Services

Our Experience

Air Ambulances from abroad to the US can vary in cost wildly depending on many variables, most importantly the medical status of the patient flying, specifically related to their needs. There are 2 primary approaches, commercial or private flights, that will fundamentally define the exorbitant cost, between $50K to $180K. US based health insurance will only cover flights within the United States. That is to say that the cost of flying into the US will be out-of-pocket, unless you have purchased special travel insurance, see our travel insurance post for more on them. Some insurance companies may cover the remaining flights within the US except for the deductible.

Our experience has been focused on Portugal, but we are sharing our experiences to help others that may fall into a similar circumstance. The US Embassy in Lisbon, Portugal provided no assistance and information of little value. We have been told to call them so many times, but the only response they give is a list of not vetted air ambulance companies and an offer for a possible low interest government loan. With persistence we are hoping to reach the ambassador, or somebody that can be more helpful. We have heard in many cases constantly reaching out can improve your chances with a US Embassy. We believe the only way the loans make sense is if your insurance will reimburse you for international air ambulances, which seems rare, if at all, or if you believe you can raise the funds to pay the loan over a longer period of time.

Below is a list of companies we have been in contact with. We are by no means recommending any of them, as we have not raised enough money to actually make use of their services. In the next posts we will speak more specifically to the pitfalls that you may encounter regarding these air ambulance flights. It is important to be very careful with any contract you sign with an air ambulance company. There is no international regulation, and that in the states is fairly new, they have had to introduce laws to protect consumers from their predatory practices. Some stories reveal them putting a lien on peoples homes over balance billing, though this may no longer occur with flights within the US, it certainly is still a possibility with international flights. While in the last decade the amount of companies engaging in this industry have doubled, due to lack of oversight the costs to the consumer have more than doubled.

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Our Experience Without Travel Insurance, and What We Have Learned

When Diana first fell into a coma after her subdural hematoma one of our hindsight regrets was not having purchased travel insurance. In a study by AAA, only 38% of Americans plan to or have purchased travel insurance for international flights. Our family has had little experience with international travel. Diana’s ticket was purchased by a family friend to bring her out to Portugal for a visit. Often, it is during the process of booking a ticket where travel insurance is purchased, their coverage can be decent, but at times more expensive than purchasing it separately, and with fewer options than what can be acquired through a more tailored plan.

Since she fell into a coma we have researched deeply into travel insurance to see how it could have helped us, and to help others avoid the same situation. With the most expensive problem, international air medical repatriation, there seems to be only 2 specialized options that would have helped. However, We do want to highlight where general travel medical insurance would have been valuable to us. In this post, we will explore the different options for travel insurance, and where it would have had the most impact in our situation.

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Emergency Evacuation/Repatriation Coverage

Original Link | Cover Trip

*Note: This deeply relevant article has been re-arranged to highlight the coverage elements that we feel are most important. Nothing has been changed or edited, beyond moving some info to the top. Please visit the original link for the unedited version.

This coverage provides for medically necessary evacuation to a medical facility, medically equipped flights to return home, or the repatriation of mortal remains to your primary residence. (A repatriation definition is provided below.)

Contents (click to jump down *on original site)
What does Emergency Evacuation/Repatriation cover?
Repatriation definition
What is NOT covered
Is there coverage for non U.S. citizens?
Important notes about this coverage
What type of policy covers this?
How much coverage does each company provide?
Summary

Summary

  • All medical evacuations and repatriations must be approved and coordinated with the travel insurance provider
  • Not all plans provide for the return of minor children or bedside visits
  • Emergency evacuation and repatriation coverage does not extend to visits to your home country

Important notes about this coverage

  • Emergency evacuation and repatriation coverage does not extend to your home country
  • All medical evacuations must be approved in advance and coordinated with the travel insurance plan agents
  • In a situation of repatriation, your representative must contact the travel insurance provider to make arrangements
  • Some plans provide reimbursement to bring a friend or family member to your bedside if you are hospitalized for at least 7 days
  • Some plans provide reimbursement to return dependent children home if you are hospitalized for at least 7 days
  • Benefits paid for evacuation and/or repatriation are less the cost of your unused return travel ticket
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