It is often difficult to obtain travel insurance repatriation costs, which can lead to not assuming the expenses of this type of protection.
But to give up for these reasons would be very irresponsible if we take into account that a repatriation by medical plane without insurance costs around 40,000 euros.
Repatriation insurance cost: why such differences?
How many people to insure, and for how long?
Many different variables make the repatriation insurance cost vary, ranging from a dozen to several hundred euros.
The number of people to be insured is one of these criteria: individual insurance generally costs less than a contract taken out for the whole family.
The duration of the contract also plays an important role: repatriation insurance taken out on an annual basis will be much more expensive than a contract taken out specifically for a three-week trip, but will definitely be more profitable for an insured who intends to travel regularly, than several contracts on a case-by-case basis.
Guarantees not to be overlooked
The guarantees covered by repatriation insurance also can greatly increase in price depending on the particular situation. In general, the more protective a contract is, the more it costs.
Certain uncommon practices, such as extreme sports, often result in an exclusion of coverage and having them insured as an option can push repatriation insurance cost skyrocketing.
This type of expatriation insurance normally covers the transportation of the insured, and one may be tempted to take out this insurance at a minimum in order to lower the price.
However, certain expenses related to repatriation should not be forgotten, at the risk of having to face them without any coverage:
- Hospitalization costs on the spot before repatriation
- Possible search and rescue costs
- Dispatch of medication to the site
- Repatriation and accompaniment expenses for relatives, especially children, or the family of the repatriate.
Finding repatriation insurance at the best price
International insurance contracts: flexibility and good value for money
Likewise, one might think that a bank card insurance may be enough to cover repatriation: this is not necessarily the case because special conditions of application, exclusions of guarantee, ceilings and deductibles are often applied and must be carefully examined before taking out a repatriation insurance.
In fact, it is often more interesting to take out specific repatriation insurance or an optional multi-risk travel insurance policy with a specialized company, which is perfectly familiar with these issues as well as with the field, and is able to quickly set up the logistics useful for repatriation.
Price Comparison Websites: the tools to find out the price of a repatriation insurance policy.
There are many formulas available on the market. The important thing here is that everyone is sure to find a contract adapted to their situation, but the variety of offers available can make you give up trying to find the right repatriation insurance at the best price possible..
To make the right choice simply, it is possible to use price comparison websites. These tools allow you to easily, quickly and free of charge obtain several offers of contracts selected to match the specific needs you are looking for based on your personal situation.
The quote is the best way to know the repatriation insurance cost according to one’s particular situation, and the price comparison websites save time by obtaining several without having to approach each of the insurers available in the market.