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Re: ? "Best" health insurance for 2-week BVI Trip?
[Re: RickinAtlanta]
#105589
08/18/2016 10:51 AM
08/18/2016 10:51 AM
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Joined: Aug 2000
Posts: 82,673
Central Florida!
Carol_Hill
Traveler
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Traveler
Joined: Aug 2000
Posts: 82,673
Central Florida!
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"Insure My Trip" is a TTOL sponsor, and they provide full travel insurance, not just medical evac. Medical evac is very important, as it can cost $50,000 and up, but if you're going to buy travel insurance, it's better to buy insurance that covers medical care AND other travel related issues. Insure my Trip allows you to compare several travel insurance policies side by side, to determine what works best for you.
As far as "out of network" coverage, our medical insurance has EXTREMELY high co-pays and deductibles, if we go out of network.
Carol Hill
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Re: ? "Best" health insurance for 2-week BVI Trip?
[Re: RickinAtlanta]
#105590
08/18/2016 10:54 AM
08/18/2016 10:54 AM
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Joined: Nov 2014
Posts: 1,049
StormJib
Traveler
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Traveler
Joined: Nov 2014
Posts: 1,049
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First check to see what you have with American Express. For many of us there are very solid reasons to only use American Express for airline tickets. Not all the cards are equal so you must check your own benefits and you must use The Card to get the benefits. Maybe you can get that from VISA or MC but I have not found it.
Two, if you do not automatically have it from American Express? For us the most important benefit is global coverage that allows you to get an American doctor on the phone 24/7 and if you have any issues that require significant treatment a medically equipped airplane will be sent to get you home and to your care. My experience is not the risk and cost of treatment you can get locally on a trip. The cost and risk is transportation if you want or need to go home for significant care. If anyone in your group gets real sick you will want to see that plane to get you home. That all starts with a service that gets a US physician on the phone 24/7 to review your symptoms and possible treatment. They will either refer you to a local doctor known to them or come get you.
Last edited by StormJib; 08/18/2016 11:29 AM.
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Re: ? "Best" health insurance for 2-week BVI Trip?
[Re: StormJib]
#105592
08/18/2016 01:43 PM
08/18/2016 01:43 PM
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Joined: Feb 2002
Posts: 3,610
Woodstock, GA
RickinAtlanta
Traveler
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Traveler
Joined: Feb 2002
Posts: 3,610
Woodstock, GA
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StormJib said:
First check to see what you have with American Express. For many of us there are very solid reasons to only use American Express for airline tickets. Not all the cards are equal so you must check your own benefits and you must use The Card to get the benefits. Maybe you can get that from VISA or MC but I have not found it.
Two, if you do not automatically have it from American Express? For us the most important benefit is global coverage that allows you to get an American doctor on the phone 24/7 and if you have any issues that require significant treatment a medically equipped airplane will be sent to get you home and to your care. My experience is not the risk and cost of treatment you can get locally on a trip. The cost and risk is transportation if you want or need to go home for significant care. If anyone in your group gets real sick you will want to see that plane to get you home. That all starts with a service that gets a US physician on the phone 24/7 to review your symptoms and possible treatment. They will either refer you to a local doctor known to them or come get you. Which is exactly what SkyMed does.
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Re: ? "Best" health insurance for 2-week BVI Trip?
[Re: CGB]
#105597
08/18/2016 04:32 PM
08/18/2016 04:32 PM
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Joined: Feb 2002
Posts: 3,610
Woodstock, GA
RickinAtlanta
Traveler
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Traveler
Joined: Feb 2002
Posts: 3,610
Woodstock, GA
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CGB said:
Tangentially....
You may wish to focus on medivac
Getting ill on Tortola - you may be wise to jump to SanJuan
or, at the very least STT - and of course - Miami being the first choice
Medivac at times has obscure wording - that requires a Doctor to sign-off- admitting that you MUST be evacuated because they cannot provide appropriate care.
.... which then raises yet another issue of ego & pride ((sigh))
So - if that wording exists in your policy - find one that states Medivac is YOUR choosing That's what SkyMed does. Once you are stabilized you and a companion can be transported by fixed wing aircraft to a medical facility closest to the town/city you claim on your application.
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Re: ? "Best" health insurance for 2-week BVI Trip?
[Re: camelot]
#105600
08/19/2016 01:47 AM
08/19/2016 01:47 AM
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Joined: Jan 2015
Posts: 304
California
Sunnykm
Traveler
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Traveler
Joined: Jan 2015
Posts: 304
California
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I bought trip insurance through Insure My Trip this week for my trip to BVI this November. My concerns are: medi-vac; baggage delay; and trip interruption. Very happy with the website comparison shopping and the phone support I got when I called in to ask questions. And super happy to purchase from a TTOL sponsor! <img src="http://www.traveltalkonline.com/forums/images/graemlins/Clapping.gif" alt="" />
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Re: ? "Best" health insurance for 2-week BVI Trip?
[Re: RickinAtlanta]
#105601
08/19/2016 09:14 AM
08/19/2016 09:14 AM
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Joined: Feb 2008
Posts: 225
Dallas
camelot
OP
Traveler
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OP
Traveler
Joined: Feb 2008
Posts: 225
Dallas
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Re: ? "Best" health insurance for 2-week BVI Trip?
[Re: Sunnykm]
#105602
08/19/2016 10:29 AM
08/19/2016 10:29 AM
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Joined: Feb 2002
Posts: 3,610
Woodstock, GA
RickinAtlanta
Traveler
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Traveler
Joined: Feb 2002
Posts: 3,610
Woodstock, GA
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Sunnykm said:I bought trip insurance through Insure My Trip this week for my trip to BVI this November. My concerns are: medi-vac; baggage delay; and trip interruption. Very happy with the website comparison shopping and the phone support I got when I called in to ask questions. And super happy to purchase from a TTOL sponsor! <img src="http://www.traveltalkonline.com/forums/images/graemlins/Clapping.gif" alt="" /> Unless I missed it after all these years/trips, InsureMyTrip policies do not cover medical evacuation.
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Re: ? "Best" health insurance for 2-week BVI Trip?
[Re: Carol_Hill]
#105606
08/19/2016 11:58 AM
08/19/2016 11:58 AM
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Joined: Feb 2002
Posts: 3,610
Woodstock, GA
RickinAtlanta
Traveler
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Traveler
Joined: Feb 2002
Posts: 3,610
Woodstock, GA
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Carol_Hill said:
Sure they do. It's part of any standard travel policy. Yes they apparently do BUT with some concerning restrictions as per the paragraph below from one of the CSA policies. I may have mis-read but the SkyMed policy will transport once stable not only if the local facility can't adequately treat you. Moving you to a hospital or medical clinic (emergency medical evacuation)
If you're seriously ill or injured during your trip and our medical team determines that the local medical facilities are unable to provide appropriate medical treatment:
• our medical team will consult with the local doctor;
• we'll identify the closest appropriate facility, make arrangements and pay to transport you to that facility.
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Re: ? "Best" health insurance for 2-week BVI Trip?
[Re: RickinAtlanta]
#105607
08/19/2016 12:49 PM
08/19/2016 12:49 PM
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Joined: Aug 2000
Posts: 82,673
Central Florida!
Carol_Hill
Traveler
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Traveler
Joined: Aug 2000
Posts: 82,673
Central Florida!
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Rick--we're talking about EMERGENCY medical evac here, which normally means a private jet. I don't believe Sky Med will pay for a private jet either, if a person can be adequately treated where they are. The difference between SkyMed and most of the others is that they will take you to your home hospital of choice. Most of the others will take you to the nearest medically appropriate facility. ...which could be Miami, which would be convenient for someone from Florida, not nearly so convenient for someone from California. I do note that the "taking you home" option is also available on some of the more expensive plans, so that is not limited to Sky Med.
Carol Hill
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Re: ? "Best" health insurance for 2-week BVI Trip?
[Re: Carol_Hill]
#105608
08/19/2016 03:09 PM
08/19/2016 03:09 PM
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Joined: Feb 2002
Posts: 3,610
Woodstock, GA
RickinAtlanta
Traveler
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Traveler
Joined: Feb 2002
Posts: 3,610
Woodstock, GA
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SkyMed flies you in a "fixed wing aircraft" so as to differentiate from a helicopter. The difference in SkyMed taking you to your home hospital of choice is why I've contracted with them. BTW, the "nearest medically appropriate facility" may not even be Miami but could easily be St. Thomas or San Juan. Bottom line? I NEVER want to utilize it! <img src="http://www.traveltalkonline.com/forums/images/graemlins/Grin.gif" alt="" />
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Re: ? "Best" health insurance for 2-week BVI Trip?
[Re: RickinAtlanta]
#105614
08/19/2016 11:07 PM
08/19/2016 11:07 PM
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Joined: Aug 2000
Posts: 82,673
Central Florida!
Carol_Hill
Traveler
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Traveler
Joined: Aug 2000
Posts: 82,673
Central Florida!
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Rick--you can block anyone you want from sending you PM's, by clicking on their user name and selecting "ignore"
Carol Hill
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Re: ? "Best" health insurance for 2-week BVI Trip?
[Re: RickinAtlanta]
#105618
08/20/2016 11:33 AM
08/20/2016 11:33 AM
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Joined: Nov 2014
Posts: 1,049
StormJib
Traveler
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Traveler
Joined: Nov 2014
Posts: 1,049
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RickinAtlanta said:Sunnykm said:I bought trip insurance through Insure My Trip this week for my trip to BVI this November. My concerns are: medi-vac; baggage delay; and trip interruption. Very happy with the website comparison shopping and the phone support I got when I called in to ask questions. And super happy to purchase from a TTOL sponsor! <img src="http://www.traveltalkonline.com/forums/images/graemlins/Clapping.gif" alt="" /> Unless I missed it after all these years/trips, InsureMyTrip policies do not cover medical evacuation. That would all come down to which of the more than 30 underwriters and more policy option than I can count from https://www.insuremytrip.com/travel-insurance-providers/.Sponsor InsureMyTrip can meet almost any need. Before you buy you may want to check what you already have from your personal insurance and employer underwriters along with the benefit to many who use American Express. There is great choice with InsureMyTrip, not all plans are created equal. The more flexibility and control on the insured end the greater the cost. For those truly sick the ability to chose where the "best" healthcare for you at that time may be the most important option.
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Re: ? "Best" health insurance for 2-week BVI Trip?
[Re: RickinAtlanta]
#105619
08/20/2016 05:18 PM
08/20/2016 05:18 PM
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Joined: Mar 2008
Posts: 8,530
Ya never know...
HillsideView
Traveler
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Traveler
Joined: Mar 2008
Posts: 8,530
Ya never know...
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Hoping he will realize there is free porn on the innywebernet and that will keep him occupied.
My foot fits right into my shoe and my shoe will fit right into your...
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Re: ? "Best" health insurance for 2-week BVI Trip?
[Re: HillsideView]
#105620
08/20/2016 08:28 PM
08/20/2016 08:28 PM
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Joined: Jan 2012
Posts: 90
Soper's Hole, Tortola
islanddoc
Traveler
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Traveler
Joined: Jan 2012
Posts: 90
Soper's Hole, Tortola
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Just spit out a mouthful of a "heavily rum-infused beverage" laughing so hard!!! Carol--PLEASE, can we have a "like-more-than-a lot!!!" button to push??!! <img src="http://www.traveltalkonline.com/forums/images/graemlins/Clapping.gif" alt="" />
Sometimes we live no particular way but our own...
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