I have never bought trip insurance or travel medical insurance. I have spent a lot of time researching options for Travel Medical Insurance and really like the Atlas International Heath Insurance plan. I'd like to buy a policy for several upcoming trips to Italy, but have some questions. Our first trip is Feb 10 - Mar 14. In the 32 days, we will be in Florence, skiing in the Dolomites for a week, a week in Venice, and back to Florence.
Because we will be skiing, my primary questions have to do with both medical services and emergency medical evacuation. By the way, my wife and I are both members of the US National Ski Patrol, so we know a lot about treating ski/snowboard injuries and transporting people to the next level of care. Friends who have skied in Europe have all recommended that we get insurance because ski patrol there charge for their services.
My questions are:
Would services provided within the "ski area" by the "ski patrol" be covered services, as they charge for such first responder/first aid services in Europe. These services may be required to get a patient to the next level of care?
If emergency medical transport is required, would the use of, and charges associated with, a helicopter, be covered under the emergency medical transport provisions of the policy? This would only be the case in a remote portion of the "ski area" or off piste, or if the trauma was massive head, neck or back injury or other massive trauma that made it necessary to go above the use of a local ambulance. Could also happen in a transportation accident by car, rail, etc.
Does the policy, cover local ambulance and medical services in the emergency room with subsequent discharge without a stay as an inpatient in the hospital?
Does emergency medical transport have to be approved in advance? Even if the injuries on the scene are life threatening?
Thanks for your assistance.