A medical evacuation plan — or medevac plan — is coverage that handles medical repatriation. Travelers often end up away from home either with insufficient coverage for medical evacuations — or none at all.

A regular travel insurance policy may cover an emergency medical evacuation. That may include an airlift or a medically equipped flights back home. It might also transport you to a hospital of your choice for treatment. Then again, it might not.

Understanding the limits of travel insurance is critical. Among the issues:

Exclusions for your destination. Some policies exclude specific geographic locations. "Travel insurance can be a waste of money if the coverage does not recognize the destination location," commented Wallace & Turner Producer Ben Galbreath.

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Questions about travel insurance? Contact Wallace & Turner at (937) 324-8492 or info@wtins.com.