battleface

What is security evacuation insurance?

International travel can be a wonderful adventure, but what if you’re traveling in a foreign country and things get a little too adventurous? Despite the best laid plans and having prioritized travel to places with a reputation for being safe and secure, sometimes unexpected events in or near your destination can make it unsafe for you to stay.

Safety concerns like political unrest, military action, military coups, natural disasters resulting in a disaster area declaration, physical assault, or being declared a persona non grata by a foreign government are genuine and valid — even if they don’t happen very frequently.

Having travel insurance for every trip is always a good idea, and ensuring you have security evacuation coverage is also a smart move. Here’s everything you need to know about security evacuation insurance, which is also sometimes referred to as political evacuation coverage.

 

What does security evacuation insurance cover?

Security evacuation coverage provides reimbursement (up to a maximum amount dictated by your policy) for costs related to returning you to a place of safety after a covered event that causes hostile or dangerous conditions in the region where you’re traveling.

Coverage typically includes all of the major expenses you would incur by abandoning your original travel plans and fleeing to a nearby safe haven country. Your plan may pay for costs like last-minute flight arrangements, overland travel costs, food, accommodations, and the cost of securing any necessary visas. Some policies provide coverage to get you all the way back home in case of a qualifying security event.

Security evacuation insurance, like the coverage offered by battleface, also provides 24/7 support to help you arrange all the details. We will stay in contact with you for the duration, while also communicating updates to your family back home.

Once you have been successfully evacuated to a safe location, your travel insurance policy may continue to provide coverage such as trip delay and trip interruption, subject to your individual policy and up to your plan maximum.

 

What is not covered by security evacuation insurance?

It’s not always feasible to coordinate security evacuations in natural disaster areas or during civil unrest. If it’s deemed to be too logistically challenging or dangerous to successfully provide evacuation services, your travel insurance provider will maintain contact with you and provide remote support until you’re able to evacuate more safely.

It’s important to always check the terms of your policy to find out what’s covered and what the exclusions are. Most policies also specifically exclude trips to specific countries. For example, battleface products and services are not available for trips to Afghanistan, Burundi, Central African Republic, Chad, Cuba, Iran, Iraq, Libya, Mauritania, Niger, North Korea, the Republic of South Sudan, Somalia, Sudan, Syria, Venezuela, or Yemen.

It’s important to note that security evacuation coverage is meant for unforeseen circumstances. If you’re traveling to a location that already has existing and well-documented unrest, your travel insurance company may not be able to cover you, as this would be considered a foreseeable situation.

 

Is security evacuation insurance included in my travel insurance policy?

It depends on the policy, so be sure to read your policy documents from start to finish. For battleface travel insurance policies, security evacuation coverage can be added to a standard travel insurance policy.

 

How else can travel insurance help in an emergency situation?

There are plenty of other benefits in a travel insurance policy that will come in handy in a security evacuation situation. For example, your battleface insurance policy provides for medical care and emergency medical transportation if you suffer a serious injury while traveling — a real possibility if you find yourself in a destination with political or civil unrest or a natural disaster.

Travel medical coverage may reimburse you up to a set amount for a medical emergency if you require care for while traveling abroad, whether you fall ill or are injured. Since your everyday health insurance may not cover you while you’re out of the country, travel medical insurance is a must. It also usually includes medical evacuation benefits, which means if you need to travel by air ambulance to seek medical care, your travel insurance company can both cover the cost of transport to a reputable medical facility (or help you get back home) and coordinate the transport, even if you require a global rescue.

Your policy may also cover expenses if your baggage is lost, stolen or damaged. And, you can also be reimbursed for unforeseen itinerary changes caused by the dangerous event, such as if your trip is cut short and you have nonrefundable expenses that you are unable to recoup.

PRE-EXISTING MEDICAL CONDITION

Pre-Existing Medical Condition means an illness, disease, or other condition during the 180 day period immediately prior to the date Your coverage is effective :
  1. received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or
  2. took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 180 day period before coverage is effective under this policy.
  3. required a change in prescribed medication. Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:
    1. between a brand name and a generic medication with comparable dosage; or
    2. an adjustment to insulin or anti-coagulant dosage.
If you, or someone you are traveling with, has a Pre-Existing Medical Condition, you can still buy a policy from us but there is no cover for any claim arising directly or indirectly from that condition.

PRE-EXISTING MEDICAL CONDITION

Any Medical Condition that, within the last 12 months, required any:

  • surgery, inpatient or outpatient treatment, referrals or investigations of any sort. This includes being on any waiting list, taking any prescription medication, tablets or required medical treatment (This will not apply to common colds, flu or contraceptive medication);
  • medical advice or treatment for any respiratory condition relating to the lungs or breathing;
  • medical advice or treatment for any heart, stroke or diabetic condition;

Hypertension or high cholesterol controlled by 1 prescription drug only and where the dosage has not been changed within the last 12 months will not be considered a pre-existing medical condition

Coverages Available:

*not all coverages are available in all states
Travel Protection Benefits Limits
Trip Cancellation 100% of trip cost (up to a maximum of $20,000)
Single Occupancy Up to trip cost
Cancel for Any Reason Up to 75% of trip cost Up to 50% of trip costs in FL(CFAR not available to NY residents)
Trip Interruption 150% of trip cost
Delay Package
Trip Delay
Maximum $200 per day up to $2,500
Missed Connection Maximum of $1,000 per covered trip
Baggage Package – Excess
Baggage and Personal Effects $2,500 $100 Deductible
Baggage Delay $100 per day up to a maximum of $500
Travel Medical Package – Excess AK, CO, ID, ND, NH – Primary
Travel Medical Expense – Adventure sports included $100,000 $50,000 in NH $50 Deductible
Emergency Dental $750
Emergency Evacuation and Repatriation of Remains Up to $500,000
Up to $1,000,000 in NH
Accidental Death & Dismemberment $100,000 or $250,000 or $500,000
Pet Medical Package
Pet Medical Expense Up to $2,000 $100 Deductible
Pet Return Up to $500
Rental Vehicle Damage – Primary Up to $35,000 per rented vehicle- Primary $250 Deductible for loss greater than $2,000
Vacation Rental Damage $1,500 or $3,000 or $5,000

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation and Curtailment 5,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250 or 50)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 250,000
Baggage Loss or Delay up to 5,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250 or 50)
Personal Liability 500,000
Travel Delay 500
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Trip Interruption 2,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 5,000
Baggage Loss or Delay up to 2,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250) *** Limited to 250 in respect of cash
Personal Liability 500,000
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)
Personal Accident up to 250,000
Baggage up to 10,000

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation up to $20,000
Trip Interruption $1,000
Medical and Emergency Expenses $5,000,000 (deductible $250)
Hospital Benefit $25 per day, maximum $100
Personal Accident up to $50,000
Baggage $2,000 (deductible $250)
Personal Money and Passport, limited to $250 in respect of cash $500 (deductible $250)
Personal Liability $500,000
Optional Benefits Limits
Business Extension up to $1,000 (deductible $100)
Winter Sports (Ski Equipment) up to $750 (deductible $50 or $100)

Travel Medical Insurance

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

Benefits Limits
Cancellation and Curtailment 5,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250 or 50)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 250,000
Baggage Loss or Delay up to 5,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250 or 50)
Personal Liability 500,000
Travel Delay 500
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)