I got travel insurance recently for a hiking trip with my wife. We had an emergency and my wife had to be airlifted out by helicopter, and we were so glad to have the travel insurance because it covers emergency evacuation up to $10,000 (and the helicopter costed around $5,000). Awesome, right?
Well… actually no. Turns out, the terms of our policy dictate we needed to call insurance first and have them organize the airlift. Since we dialed 911 and organized the helicopter ourselves, our insurance won’t cover it. I guess it’s my fault for not reading the fine print, but it feels pretty scummy from the insurance company. Even if we had read the fine print, in the moment I don’t think I would have remembered as my immediate instinct is to contact emergency services.