$847M
Claims paid since 2019
Zero denied on valid medevac
99.2%
Claim approval rate
Industry avg: 71.4%
4.1hrs
Avg emergency response
From first call to boots on ground
140+
Countries covered
Including 38 high-risk jurisdictions
Claim Fluency
What actually happens when it goes wrong.
Real scenarios. Real line items. No asterisks. Scroll through three situations — routine to catastrophic.
Routine · Patagonia, Argentina
You break your ankle hiking, 90km from the nearest hospital.
Day three of the Torres del Paine circuit. Your guide radios ahead. The nearest clinic is in Puerto Natales — a 90km dirt road, then a four-hour bus. You need imaging, casting, and two nights inpatient.
See How This Claim Pays Out →Policy Response · Line Items
Emergency helicopter transfer (90km)
ER consultation + imaging
Orthopedic casting + hardware
Two nights inpatient
Prescription medication (30 days)
Trip interruption (return flight change)
Pre-existing knee condition (if undisclosed)Excluded — undisclosed pre-existing
Total Covered$6,965
Exclusions$0 (if disclosed)
Policy Transparency
What’s in and what’s honestly out.
We print the exclusions in the same font size as the benefits. No asterisks. No grey text designed to be unread.
Covered
- Inpatient hospitalization, any cause
- Emergency surgery and anesthesia
- ICU and critical care
- Specialist consultations (emergency)
- Prescription medication (acute, 90 days)
- Medical repatriation to home country
Exclusions
- Elective procedures planned before departure
- Cosmetic surgery
- Dental (routine — emergency dental covered)
The clause that burned you before? We identified the top 11 denial reasons across 4,200 expat claims filed 2020–2024. Every one of them is addressed explicitly in our policy wording. Your free coverage report flags which apply to your specific profile.