Travel Medical Benefits

CAP plans include transportation of a CAP customer from the medical facility where he or she is hospitalized and receiving medical treatment, to their home hospital of choice, when possible. The goal? To get CAP customers home, safe.

CAP includes a wealth of valuable services for pandemics, including real-time intelligence reports, ground transportation support, emergency medical evacuation (medevac), and help to offset the costs of a CAP customer’s COVID-19 mandatory quarantine hotel expenses (for up to 14 days).

While a handful of international travel medical insurance providers now cover pandemics like COVID-19 (including some quarantine expenses), they’re on a reimbursement basis, which means the customer has to pay out of pocket (and then go through a claims process for reimbursement of eligible expenses).

Flat-fee CAP doesn’t require a claims process, so customers are saved both from paying out of pocket and the cost of deductibles or service fees. And it’s important to note that with travel medical insurance providers, there are a lot of exclusions. For example, if there’s a COVID-19 pandemic outbreak, many travel medical insurance plans deny coverage.

Not so with CAP protection, as our pandemic quarantine benefits come standard.

CAP includes transportation from the medical facility where a CAP customer is hospitalized and receiving medical treatment (due to an injury or illness suffered during a trip) to their home hospital of choice. This includes the necessary arrangements for ground or air ambulance transportation from one hospital to the next (medevac), as well as all possible pre-admission arrangements. Also, if medically necessary, a medical escort or licensed medical team may accompany a CAP customer during the medevac.

We’ll make arrangements for ground or air ambulance transportation to and from the hospital, including pre-admission and medical escorts for ongoing medical supervision.

We’ll arrange for a family member, companion, or travel escort to accompany the CAP customer during an emergency evacuation (medevac) or a medically necessary repatriation (return home to country of residence).

During a dedicated medical air transport, CAP customers may have a traveling companion accompany them.

If a CAP customer is hospitalized or in critical condition while traveling with dependent children or a designated travel companion, we’ll arrange their return to the traveler’s country of residence.

If a CAP customer is hospitalized while traveling for more than 3 days (or is in critical condition), we’ll arrange for the accommodation and ground transfer of a family member or friend (designated by the CAP customer), so they are in easy reach of the hospital where the CAP customer is being treated.

Our multilingual staff will contact local attending medical personnel to monitor a CAP customer’s condition and keep their loved ones informed throughout the crisis (until the medical emergency is resolved).

We pay upfront for emergency transportation services, if they are covered by a CAP customer’s travel insurance policy.

If a service isn’t included by the insurer, we’ll contact the CAP customer for authorization and written approval before making any payments on their behalf.

We’ll advance the CAP customer’s on-site emergency hospital medical expenses within a reasonable timeframe (upon the satisfactory guarantee of payment from either the CAP customer or their insurance company).

CAP plan customers will be provided with detailed contact information for licensed physicians, dentists, hospitals, and clinics in the area they’re traveling – and upon request, we’ll find out the provider’s availability and even help set up appointments.

If a CAP customer is traveling and needs to fill a prescription, we’ll help coordinate the details with the doctor and locate a nearby pharmacy, so our customers get the medication they need.

We’ll assist CAP customers by coordinating communications with their insurers and/or managed care organizations. Support may include verifying policy enrollment, confirming medical benefit coverage, handling claims forms, navigating the ins and outs of multiple insurance benefits, getting a guarantee on medical payments, and more.