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 Transportation

MASA will provide payment for the eligible out-of-pocket expenses incurred by ground ambulance transportation services resulting from a serious emergency to the nearest and most appropriate medical facility or suitable airport.

Emergency Air Ambulance Transportation

MASA will provide payment for the eligible out-of-pocket expenses associated with emergent fixed-wing and rotary aircraft transport. All flights must be ordered by a first responder or transferring physician who deems air transport as medically necessary.

Hospital to Hospital Air Ambulance Transportation

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 Private Room Upgrade

MASA will reimburse eligible expenses for choosing a private hospital room after using emergency transportation coverage and are exposed to out-of-pocket expenses as a result.

Post-Admission Continued Care Transportation

MASA will reimburse the eligible expenses up to $500 for non-emergency ground transportation 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 Transportation

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 Transportation

MASA will provide informational support and reimburse 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 and Hospital to Hospital Air Ambulance) for a member’s grandchildren and great-grandchildren up to the age of 14.

Extended Hospital Stay Incidental Expense Protection

MASA will reimburse the eligible expenses for incidentals 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).

Patient Return Transportation

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 Transportation

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

Companion Return Transportation

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 Transportation Expense

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 for a companion of choice to visit during an inpatient hospital stay.

Organ Recipient Transportation

MASA will help coordinate and provide payment for the eligible out-of-pocket expenses associated with the air transportation expenses for a member to fly to the commercial airport nearest the medical facility for a scheduled organ transplant. (Limited to two reimbursements per consecutive 12-month period beginning from plan effective date.)

Hospital to Hospital Ground Ambulance Transportation

MASA will reimburse 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 Transportation Expense

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 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. Support includes the costs of fuel, oil, a and qualified driver.

Pet Return Transportation

MASA will provide informational support and reimburse eligible expenses for the return of a pet(s) if left as a result of an ambulance transport while more than 100 miles away from home.

Organ Retrieval Transportation

MASA will reimburse 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 Transportation

MASA will provide informational support and reimburse 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 the member passes away while more than 100 miles away from home.

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 latest updates. Exclusive to Lifetime membership plans.

Prepay Foreign Currency Emergency Transportation 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 return back home as a result of an emergency disrupting a trip, including transportation schedules, luggage retrieval, visas, and other items to ensure that a member has information, documents necessary when abroad, and belongings to return home. Exclusive to Lifetime membership plans.

Sick While Away From Home Expense Protection

MASA will reimburse eligible expenses for contracting a 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

MASA will reimburse 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 Transportation

As a result of a physician ordered air ambulance transport off a cruise ship, MASA will help coordinate and provide support for 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. Exclusive to Emergency Shield Plus membership plans.

Transportation Interruption Expense Protection

MASA will reimburse 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 Transportation

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 Transportation

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 Transportation

MASA will reimburse the 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 Transportation

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 Indemnity Protection

MASA will provide an indemnity coverage of up to $5,000 when a member is admitted for an inpatient medical stay resulting from serious emergency while outside the United States. Exclusive to Emergency Shield Plus Lifetime membership plans.