What is emergency repatriation in travel insurance?

By definition, repatriation means returning a person to his original place of residence. An emergency repatriation in travel insurance works the same. It’s part of an insurance plan or policy where the company provides the necessary form of transportation—usually by air ambulance— to return the insured person to his country of origin.

Emergency repatriation is standard to all insurance policies that also offer an emergency evacuation. For international insurance, air transport is most commonly used since it’s the fastest and most convenient means of transport, especially for a person recovering from an injury. But because not all insurance companies are the same, you have to be aware of their benefit and coverage for an emergency repatriation.

Most of the time, repatriation coverage includes the necessary transport and communication expenses.  Repatriation coverage may also include other expenses like medical expenses, supplies used, and services rendered upon return to the Philippines.

The limits of pay out for an emergency repatriation also depend on the insurance companies. It’s important that you know about the clause provided by the insurance company regarding their emergency repatriation in travel insurance policies.


Which insurance companies offer this coverage?

Given that most insurance companies provide an emergency medical evacuation, anemergency repatriation in travel insurance seems to be part of the standard coverage as well.

HSBC Insurance, Citibank (Malayan), BPI/MS Insurance Corporation, BDO, AIG, Malayan Insurance Company, MAPFRE, Pioneer, Bluecross, Fortune General, ACE, Wideworld Insurance, Starr Companies, and Standard Insurance all provide an emergency repatriation in travel insurance. But each repatriation coverage policies will differ from company to company.

Citibank (Malayan)

Citibank (Malayan), in addition to HSBC, AIG, and Malayan Insurance Co. all provide an unlimited coverage for emergency repatriation. This means that you don’t have to worry about the expenses because these companies will provide you with everything you might need to ensure your safe return.

Apart from unlimited coverage for emergency repatriation, Citibank (Malayan) also offers the following coverage if you are going to an Asian country for up to 3 days: up to ₱50,000 in case of baggage loss, up to ₱20,000 in case of the loss of travel documents, and up to ₱1 million in personal liability. Buy this plan at about ₱300 for a solo traveller heading to an Asian country on a three-day adventure.

Pioneer Insurance

Pioneer Insurance, along with trip insurance providers like MAPFRE, ACE, Wideworld Insurance, and Standard Insurance only pay out for the actual cost of the emergency repatriation. This is a good option as well since they provide paying up to the last cent of every expense incurred.

The Travel Light - Worldwide plan of Pioneer Insurance (yours to buy for ₱1692 for a trip of up to 3 days worldwide), offers more than reimbursing the actual cost of the emergency repatriation in travel insurance. The plan also offers up to ₱2.3 million for personal accident and up to ₱1.5 million for personal liability. Talk about comprehensive coverage.

BPI/MS Insurance

BPI/MS Insurance provides a specific repatriation benefit like the Gold, Diamond, Platinum Non-Schengen and Gold Schengen. The Gold, Diamond and Platinum Non-Schengen offers a coverage of ₱250,000 for emergency repatriation. You can buy each plan at ₱598, ₱908, and ₱1,254, respectively, if you are going to an Asian country on a three-day trip. Meanwhile, The Gold, Diamond and Platinum Schengen offers a coverage of ₱500,000 and with a per-trip premium of ₱652, ₱997 and ₱1,335, respectively.

*Go to www.gobear.com to use the insurance finder for accurate data on premium and coverage.

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