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Should air evacuation be necessary, it's much easier to have an insurance company make these arrangements through an assistance company than for you to make them yourself. Suppose, though, you have purchased a policy that only reimburses you for these expenses, or perhaps you didn't purchase emergency medical insurance at all but are counting on your regular health insurer or HMO to reimburse you when you return home. Without an assistance policy, you'll have to make all the transport arrangements yourself, pay up front, and hope your insurance policy or medical plan will reimburse you for costs up to the policy limit. Before paying you, the insurance company or your HMO will insist on knowing if the transport was "medically necessary," and for this you will need a letter or other documentation from your physician or treatment facility. For more on this topic, click here for the complete International Travel HealthGuide Chapter 17: Emergency Medical Transport
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