Understand your MASA protections

Membership benefits vary depending on the plan selected

Here’s a big-picture look at what MASA offers our members. Please note: Membership benefits described below aren’t available on all plans. If you’re interested in purchasing a plan, please schedule a consultation to learn more about the options that best suit your needs. If you’re currently a member, please refer to your Member Services Agreement (MSA) or policy for your coverage by logging into your member portal.

Emergency Ground Ambulance Transport Protection

MASA will provide payment for the eligible out-of-pocket expenses incurred by ground ambulance transportation services resulting from a serious emergency.

Emergency Air Ambulance Transport Protection

MASA will provide payment for the eligible out-of-pocket expenses incurred by air ambulance transportation services resulting from a serious emergency. All flights must be ordered by a first responder or transferring physician who deems air transport as medically necessary.

Hospital to Hospital Air Ambulance Transport Protection

MASA will provide payment for the eligible out-of-pocket expenses associated with physician-ordered hospital-to-hospital air ambulance transportation in cases where a specialized level of care is not available at their current facility.

Hospital Private Room Upgrade

MASA will reimburse the eligible out-of-pocket expenses for choosing a private hospital room after using emergency transportation.

Post-Admission Continued Care Transport Protection

MASA will reimburse the eligible expenses up to $500 for non-emergency ground transportation or ride-sharing to and between the medical facility, rehabilitation facility, skilled nursing facility, long-term care facility, hospice facility, or back home to attain continued care resulting from an emergency.

Repatriation to Hospital Near Home Transport

MASA will help coordinate and provide payment for transportation by air or ground for a member to return home for continued care and to recuperate in familiar surroundings when hospitalized more than 100 miles away from home.

Minor Return Transport Protection

MASA will provide payment for the eligible expenses for the return of a minor (below the age of 18) to a parent, legal guardian, or a person who can be responsible for the minor if left unattended due to an ambulance transport.

Grandchildren and Great Grandchildren Protection

MASA will provide support for all Emergency Shield plan benefits (excluding Emergency Air Ambulance Transport Protection and Hospital to Hospital Air Ambulance Transport Protection) for a member’s grandchildren and great-grandchildren up to the age of 14. For Lifetime memberships, this benefit has extended coverage for Grandchildren up to the age of 26.

Extended Hospital Stay Incidental Expense Protection

MASA will reimburse the eligible incidental expenses incurred if a member is hospitalized over 100 miles from home for an extended period of 7 days or more (including hotels, food, transportation, and more). (Limited to two reimbursements per consecutive 12-month period beginning from plan effective date.)

Patient Return Transport

MASA will help coordinate and provide payment for a commercial flight back to the member’s residence once discharged from the hospital following an emergency occurring 100 miles away from home.

Companion Emergency Transport Protection

MASA will reimburse the eligible out-of-pocket expenses incurred from having a companion accompany a member in an emergency transportation vehicle.

Companion Return Transport

If hospitalized more than 100 miles from home, MASA will help coordinate and provide payment for the eligible expenses associated with return transportation for a companion from the inpatient hospitalization location back to their home.

Hospital Visitor Ground Transport Protection

For emergencies that happen near home, MASA will reimburse a visitor’s eligible expenses related to parking and taxi/ride-share expenses up to $200 to visit a member during an inpatient hospital stay. (Limited to two reimbursements per consecutive 12-month period beginning from plan effective date.)

Organ Recipient Transport

MASA will help coordinate and provide payment for the eligible out-of-pocket expenses associated with the air transportation for a member to fly to the commercial airport nearest the medical facility for a scheduled organ transplant.

Hospital to Hospital Ground Ambulance Transport Protection

MASA will provide payment for the eligible out-of-pocket expenses associated with physician-ordered hospital-to-hospital ground ambulance transportation in cases where a specialized level of care is not available at their current facility.

Hospital Visitor Air Transport

MASA will help coordinate and provide payment for a round-trip ticket of a visitor of the member’s choice to be by their side during a hospitalization when an emergency occurs more than 100 miles from home.

Vehicle and RV Return

MASA will help coordinate and provide payment for the return of owned vehicles to a member’s residence or rental vehicles to the appropriate company if a member is taken away from a vehicle or RV as a result of emergency transportation. Includes the costs of fuel, oil, and a qualified driver.

Pet Return Transport Protection

MASA will provide payment for the eligible expenses for the return of a pet(s) if left as a result of an ambulance transport.

Organ Retrieval Transport

MASA will reimburse the eligible out-of-pocket expenses associated with the transportation of an organ to be retrieved and used for a member’s organ transplant.

Mortal Remains Return Transport

MASA will provide informational support and reimburse the eligible expenses incurred for the transportation of a member’s mortal remains back to their area of residence via air, ground, or ferry, in the event member passes away while more than 100 miles away from home.

Emergency Water Ambulance Transport Protection

MASA will reimburse the eligible out-of-pocket expenses associated with water ambulance transportation, which is staffed with emergency personnel to provide stabilization and care, after a serious emergency. (Limited to one reimbursement per consecutive 12-month period beginning from plan effective date.)

Treat and No Transport

MASA will reimburse the eligible out-of-pocket expenses associated with emergency medical treatment provided by a summoned first responder, even when no emergency ground or air ambulance transport occurs. (Limited to two reimbursements per consecutive 12-month period beginning from plan effective date.)

Physician Search

MASA will assist in locating a licensed physician if a member needs medical care while abroad. Exclusive to Lifetime plans.

Nurse Helpline

In the event a less urgent medical condition arises while out of the country, MASA will connect a member to a registered nurse for guidance. Exclusive to Lifetime membership plans.

Attorney Search

MASA will assist a member to find a licensed attorney who better understands the legal system of the country they are in should legal services be required. Exclusive to Lifetime membership plans.

Translation Services

When an emergency occurs in a location where a member does not speak the native language, MASA will provide telephonic access to a translator to help provide the vital information required. Exclusive to Lifetime membership plans.

Global Advisor

MASA will provide tailored guidance on the latest health and safety information for a member’s chosen destination to be better prepared to explore unfamiliar places with confidence and peace of mind. Exclusive to Lifetime membership plans.

Emergency Message Relay Center

MASA will assist the relay of messages from the member and physician back to loved ones with the latest updates. Exclusive to Lifetime membership plans.

Prepay Foreign Currency Emergency Transport Protection

In the event foreign currency is required to prepay for emergency transportation, MASA will pay up to $50,000 for the member to be medically transported. Exclusive to Lifetime membership plans.

Concierge Service

MASA will assist with coordinating a member’s return back home as a result of an emergency disrupting a trip. This includes transportation schedules, luggage retrieval, visas, and other items to ensure a member's return home. Exclusive to Lifetime membership plans.

Sick While Away From Home Expense Protection

MASA will reimburse the eligible expenses for contracting a qualifying communicable disease or becoming too ill to return home while more than 100 miles away from home (includes accommodation, meals, testing, medical facility visit to attain proof, and airline re-booking). (Limited to two reimbursements per consecutive 12-month period beginning from plan effective date.)

Medical Payments Advisor

MASA’s professional advisors will help verify policy enrollment, confirm medical benefits coverage, provide guidance on medical expenses due, and more for medical bills resulting from an inpatient medical stay.

Cruise Ship Evacuation Transport Protection

MASA will reimburse the eligible out-of-pocket expenses for physician-ordered air ambulance transportation off a cruise ship in cases where a specialized level of care is not available on the ship. Exclusive to Emergency Shield Plus membership plans.

Cruise Ship Return Transport

As a result of a physician-ordered air ambulance transport off a cruise ship, MASA will help coordinate and provide payment for the eligible expenses associated with a one-way airfare ticket for a member and a companion to return to the airport nearest to the cruise to continue the trip in the case the cruise is still mid-voyage or to the disembarkation port. Exclusive to Emergency Shield Plus membership plans.

Worldwide Emergency Water Ambulance Transport Protection

MASA will reimburse the eligible out-of-pocket expenses associated with water ambulance transportation, which is staffed with emergency personnel to provide stabilization and care, after a serious emergency while outside the United States. (Limited to one reimbursement per consecutive 12-month period beginning from plan effective date.) Exclusive to Emergency Shield Plus membership plans.

Transportation Interruption Expense Protection

MASA will reimburse the eligible expenses due to unexpected airline transportation delay, cancellation, or missed flight due to a serious emergency while outside the United States. (Limited to two reimbursements per consecutive 12-month period beginning from plan effective date.) Exclusive to Emergency Shield Plus membership plans.

Worldwide Emergency Ground Ambulance Transport Protection

MASA will reimburse the eligible expenses for ground ambulance transportation services resulting from a serious emergency to the nearest and most appropriate medical facility or suitable airport while outside the United States. Exclusive to Emergency Shield Plus membership plans.

Worldwide Emergency Air Ambulance Transport Protection

MASA will reimburse the eligible expenses for air ambulance transportation services resulting from a serious emergency to the nearest and most appropriate medical facility or suitable airport while outside the United States. Exclusive to Emergency Shield Plus membership plans.

Worldwide Hospital to Hospital Ground Ambulance Transport Protection

MASA will reimburse eligible expenses for a physician-ordered hospital-to-hospital ground ambulance transportation in cases where a specialized level of care is not available at a member’s current facility while outside the United States. Exclusive to Emergency Shield Plus membership plans.

Worldwide Hospital to Hospital Air Ambulance Transport Protection

MASA will reimburse the eligible expenses for a physician-ordered hospital-to-hospital air ambulance transportation in cases where a specialized level of care is not available at a member’s current facility while outside the United States. Exclusive to Emergency Shield Plus membership plans.

Worldwide Vehicle & RV Return

MASA will reimburse the eligible expenses for the return of rented or owned vehicles to a member’s accommodations or residence, or rental vehicles to the appropriate company, when left due to a member’s emergency transport while outside the United States. Exclusive to Emergency Shield Plus membership plans.

Hospitalization Protection

MASA will provide $5,000 when a member is admitted for an inpatient medical stay resulting from a serious emergency while outside the United States. (Limited to two payments per consecutive 12-month period beginning from plan effective date.) Exclusive to Emergency Shield Plus Lifetime membership plans.