Medjet is one of North America’s leading providers of medical transport insurance for residents of the U.S., Canada, or Mexico.
The Birmingham, Alabama, firm was founded in 1987 and provides both ground and air transportation for members who are hospitalized more than 150 miles from home.
The company offers multiple service plans at a wide range of price points, so even travelers on a budget can get the care they need in a hospital they trust.
Why Use Medjet?
Over the decades, Medjet has earned an impressive list of partners such as the NFL and luxury travel agencies, including Virtuoso and Signature.
It holds an A+ rating from the Better Business Bureau (BBB) while the underwriter, Lloyds of London, has earned straight A’s from rating firms Standard and Poor’s and A.M. Best.
In this article, we’ll take a deep dive into Medjet’s plans, membership levels, customer service offerings, and overall reputation.
|Coverage Options||Costs||Customer Reviews & Reputation||Customer Service Benefits||Financial Strength|
|Medjet offers medical transportation insurance packages but doesn't cover trip delays, cancellations, and baggage delays like traditional travel insurance.||Prices are flexible due to a wide range of membership levels.||Medjet has been in business for over 30 years and has an A+ rating with the BBB.||Members have access to an exclusive web portal offering personalized travel advisories based on their itineraries.||Medjet is underwritten by Lloyd's of London.|
|The company offers both annual and short-term packages with a range of options for everyone from students to seniors.||Medjet has special plans for travelers over the age of 75, and custom rate quotes are available on request.||Having started in emergency aviation, Medjet has built a strong reputation in a costly and high-risk sector of the travel industry.||Medjet offers toll-free member service hotlines for medical and non-medical emergencies as well as general member needs.||Lloyd's is one of the most respected specialty insurance underwriters in the world, with an A+ rating from Standard and Poor's.|
Medjet Travel Insurance Coverage & Plans
Medjet Travel Insurance offers a range of plans that cover transport during medical emergencies and support services during security risks.
Unlike traditional travel insurance plans, Medjet does not cover medical expenses, but rather the costs associated with emergency flights, ambulance rides, and evacuations when traveling outside of your home country (U.S., Canada, or Mexico).
It provides two primary services: a medical-only package and one for non-medical emergencies. Medjet offers both plans at six different membership levels, catering to everyone from young adults to retirees.
Medjet doesn’t provide any trip cancellation or trip interruption reimbursement. Travelers may want to buy a comprehensive policy from another carrier to cover these scenarios as well as baggage loss and medical expenses.
Medjet Assist travel insurance is tailored to consumers who only need coverage for transport during medical emergencies. This plan is available for individuals, families, and businesses. It covers all transport expenses for those hospitalized while traveling anywhere that’s at least 150 miles from home.
Annual and short-term plans are available, with a specific policy for travelers over 75. Policy-holders can be transported to a home hospital of their choosing whether they are in a neighboring state or across the world.
The Horizon plan is an add-on to Medjet Assist that provides access to FocusPoint International’s Crisis Assistance Plus service. In the event of non-medical crises such as terrorism, wrongful detention, pandemics, kidnapping, and natural disasters, FocusPoint’s trained experts step in to provide help.
It’s important to note that the Horizon plan covers support services, but not associated costs like kidnapping payments or lost property in a natural disaster.
Travelers who add the Horizon package to their Medjet Assist plan can also receive a $60,000 cash advance for use in medical emergencies. This could be critical if down payments are required or credit cards are not accepted for medical care.
- Medical (Cash Advance)
- Emergency & Medical Evacuation
The Medjet Short Term package includes 8-, 15-, 21- and 30-day options for individuals and families with up to five dependents. Members can choose the short-term Medjet Assist plan on its own, or add the Horizon package. The coverage only lasts for the specified term.
This option could be a great choice for travelers who want Medjet protection for a short trip. These plans are only available for travelers under 75.
Medjet’s Annual travel insurance plans are available for individuals, families, and groups under the age of 75 living in the U.S., Canada, and Mexico. With the Annual plan, consumers have unlimited coverage for travel within their home country and for international trips lasting no more than 90 consecutive days. Annual plans are available for terms of one, two, three, and five years.
The Diamond plan opens the Medjet Assist and Horizon insurance plans to travelers between 75 and 85 years of age. Those planning to enroll need to contact Medjet for a quote, submit a general health questionnaire, and a physician-certified medical statement. The Diamond plan is currently only available as a one-year annual package.
The Collegiate option is a great choice for students and teachers who will be studying or teaching abroad for longer than 90 consecutive days, but not moving permanently. With this option, Medjet offers Assist and Horizon coverage for one-year terms and covers individuals’ foreign trips for up to 20 consecutive weeks. To qualify, prospective customers must be actively studying or teaching and younger than 75 years old.
Medjet offers the Expatriate plan for those who plan to travel abroad for longer than 90 consecutive days. This plan is good for one year, and has three levels of coverage for trips lasting between 90 days and a full year. The Expatriate could be an excellent choice for individuals under 75 who need extended travel coverage for long-term work assignments or once-in-a-lifetime trips.
Though Medjet offers excellent coverage for international trips, it also has the Domestic plan for travelers staying within their home country. This plan has the same emergency transport benefits as other Medjet Assist and Medjet Horizon plans, but saves money by limiting coverage.
This policy is available for individuals under 75 living in the U.S., Canada, and Mexico, and lasts for one year from the time of activation.
Medjet Supplemental Motorcycle Coverage
Medjet offers motorcycle shipping coverage as an add-on to any of its plans except the Diamond package. With supplemental motorcycle coverage, customers can receive up to $3,500 to have a motorcycle shipped home in the event of a hospitalization.
|Coverage||Medjet Assist Travel Insurance||Medjet Horizon Travel Insurance|
|Cancel for Any Reason|
|Interrupt for Any Reason|
|Accident and Sickness Medical Expenses|
|Emergency Evacuation, Medically Necessary Repatriation, and Repatriation of Remains||Service is fully covered at all levels within coverage term.||Service is fully covered at all levels within coverage term.|
|Non-Medical Emergency Evacuation|
|Accidental Death and Dismemberment (AD&D)|
|Air Flight Only AD&D|
|Baggage and Personal Effects|
|Change Fee Coverage|
|Reimbursement of Miles or Rewards Points|
|Rental Car Damage|
Medjet Travel Insurance Costs
Traditional travel insurance usually covers the cost of medical treatments during a trip as well as non-emergencies such as lost or delayed baggage, tour cancellations, and property theft. Some policies even include the cost of canceling a trip due to events such as illness, work conflicts, or military deployments.
Many travel insurance providers also offer valuable support resources, including travel concierge programs and evacuations during a natural disaster. While travel insurance may seem like a costly addition to a trip, it could end up saving you thousands of dollars during an emergency.
If you haven’t purchased travel insurance before, know that it’s common to spend between 4 and 8 percent of your entire travel budget. Premiums are generally calculated based on factors that include age, group size, destination, trip length, and additional risk factors like dangerous sports.
Providers may charge more for trips to less safe regions or for older travelers, so it’s best to call for a quote if rates are not crystal clear.
Medjet trip insurance is available in a wide range of prices depending on the plan. Pricing for Medjet Assist varies according to group size, destination, trip length, and age. A set fee is added for Medjet Horizon coverage, subject to the chosen Medjet Assist coverage level.
While Medjet doesn’t charge more for travel to specific countries, it does have exclusions for areas with level three and four travel advisories from the U.S. State Department.
Annual plans from Medjet offer very competitive prices when compared with other policies on the market. Since Medjet only provides coverage for emergency transport and crisis support, it’s able to offer annual plans that start at less than $300 for individuals.
This could be a useful low-cost alternative for travelers on a budget who don’t want to shop for travel insurance more than once a year. Medjet does not currently offer refunds for the Assist or Horizon plan at any level.
Customer Reviews & Reputation
Medjet has been in business since 1987 and has been BBB-accredited since 2015, with a perfect A+ grade and a five-star rating. As with most travel insurance providers, there are some negative comments about Medjet on popular travel sites, but user reviews are largely positive. Trustpilot has not yet rated Medjet.
The company has established a strong partnership with AARP. All current AARP members have access to a 20% discount on both Assist and Horizon packages. as a service that “could save your life.”
Customer Assistance Services
Medjet travel insurance offers easy, 24/7 customer access through toll-free phone lines, email, an exclusive web portal, and digital ID cards. With these cards, policyholders can quickly access all of their account details, including their plan’s expiration date, and contact Medjet directly over the phone.
Medjet’s Personal Travel Advisories are one of the company’s unique features. This service allows Medjet Horizon customers to access a research library of information on over 260 countries, and create custom bulletins based on a travel itinerary. Personalized advisories including government warnings and local laws can be scheduled for email delivery as you travel.
Medjet is a niche service within the travel insurance industry. The company has access to a network of 250 private aircraft (including Learjets), as well as flight crews and medical personnel, to ensure that all transports are safe and efficient. Flights and ground transports are routed through 50 different dispatch locations worldwide, so plan-holders are rarely out of reach.
Regardless of customer reviews and reputation, an insurance provider is only as reliable as its financial backers. This can be especially true of travel insurance, as travel emergencies can have costly logistics specific to the industry. In the most critical moments, an insurer must have reliable underwriters that are ready to quickly deliver large sums of money.
Medjet is backed by Lloyd’s of London, who has been continuously operating as an insurance underwriter since the 1600s. Lloyd’s currently holds an A+ rating from Standard and Poor’s as well as an A rating from AM Best. With such a solid financial background, Medjet users can rest assured that they’ll get the funding they need when it counts the most.
Medjet Phone Number & Contact Information
Homepage URL: www.medjetassist.com
Physical Address: 3075 Healthy Way, Birmingham, AL 35243
Mailing Address: P.O. Box 43099, Birmingham, AL 35243-0099
Medical Emergency Phone in the U.S.: 800-527-7478
Medical Emergency Worldwide Call Collect: 205-595-6626
Fax: 800-863-3538, 205-595-6658
Email: [email protected]
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