Air Ambulance Insurance: Am I Covered?

Understanding What Life Flight Insurance Is And How To Be Covered

Last updated December 11, 2018

Medic entering an air ambulance during a life flight

In more remote areas of the United States, air ambulances are often the lifeline for people who have a serious accident or need emergency medical attention. This is where life flight coverage comes in handy. While not technically an insurance policy, these annual membership programs act as a backup that can cover you, your spouse and your dependents in the event of a medical emergency where you need an air ambulance to transport you to a hospital.

Where this gets difficult is navigating the many intricacies of the different life flight network providers, as they are often regionally based and vary accordingly both in price and the types of coverage they offer with their membership fee. Plus, they may also have a network of other providers or reciprocal programs, opening you to wider coverage, depending on where you live.

What Is The Cost Of Life Flight Without Insurance?

Without insurance coverage or additional membership in an air ambulance organization, the out of pocket cost for a “life flight” (also called a MedEvac) can range from $12,000 to $25,000 on average per NAIC (National Association Of Insurance Commissioners).