Evacuation insurance

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Evacuation insurance covers the cost of getting you to a place where you can receive appropriate medical treatment in the event of an emergency. (In the worst-case scenario, this can mean a medically equipped — and incredibly expensive — private jet.) This is usually not covered by regular medical insurance. Sometimes this coverage can get you home after an accident, but more often, it'll just get you as far as the nearest major hospital. "Medical repatriation" — that is, getting you all the way home — is likely to be covered only if it's considered medically necessary. Ask your insurer exactly what's covered before and after you get to the hospital.

Keep in mind that medical and evacuation insurance may not cover you if you're participating in an activity your insurer considers to be dangerous (such as skydiving, bungee jumping, scuba diving, or even skiing). Some companies sell supplementary adventure sports coverage.

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