The limits for repatriation cover differ between insurers and different types of policies, even with the same insurer.
An inexpensive backpacker’s insurance policy can contain less repatriation cover than a specialist adventure sports insurance policy.
Every level of repatriation cover seems high. A standard repatriation cover limit is normally approximately £5million. However, cover can be bought up to £10million.
It is advisable to obtain travel insurance repatriation for a minimum of £1 million.
Costs for Repatriation
What is the reason for repatriation costs being so high?
This is firstly due to the fact that you might not be able to return on a scheduled airline services; it may be necessary to deploy a specialist air ambulance for that return journey to the UK. Specialist medical equipment or a medical escort may be needed too.
Moreover, there may be expenses you may have incurred where you have come from, like rescue helicopters and/or water ambulances and any services used of medical teams or healthcare.
Who makes the decision that I am going to be Repatriated?
Travel insurance companies would of course not wish to fork out millions of pounds on getting you repatriated. However, it would be much more expensive for the insurance company if you die.
A specialist team at the travel insurance company studies your case in detail and decides if and when you ought to be repatriated home.
It could be the case that you are repatriated immediately to the UK to get the relevant care and treatment.
It could be the case that you are unfit to travel. This is normally established via an authorisation note from the G.P. who is treating you in that country
Compare Prices for Repatriation
Repatriation cover is usually a standard feature in every travel insurance policy. However, when you are looking for the best deal, watch out for the cover level it provides. Even though it may seem a lot initially, if the worst case scenario happens, you could be left with a huge hole in your pocket.
A little bit extra in premiums when purchasing your policy may make the world of difference to the remainder of your life.