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Covid insurance.. #264276
09/23/2021 02:42 PM
09/23/2021 02:42 PM
Joined: May 2002
Posts: 16,387
Tortola/ Sonoma, California
Manpot Offline OP
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Manpot  Offline OP
Traveler
Joined: May 2002
Posts: 16,387
Tortola/ Sonoma, California
I am getting very mixed info about whether it is still needed or not..judging by the Gov officials statements it is not included..proof of vaxand prrof of neg test five days out only..Anyone??

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Re: Covid insurance.. [Re: Manpot] #264280
09/23/2021 03:30 PM
09/23/2021 03:30 PM
Joined: Oct 2013
Posts: 491
Vail, CO
caribbeangirl13 Offline
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caribbeangirl13  Offline
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Joined: Oct 2013
Posts: 491
Vail, CO
Just heard from Lynette Harrigan. She said that everyone will need medical insurance, so I guess as long as your policy covers you oversees you will be ok.


Sue
s/v Ripple
Leopard 40

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Re: Covid insurance.. [Re: Manpot] #264291
09/23/2021 04:23 PM
09/23/2021 04:23 PM
Joined: Jan 2005
Posts: 1,334
Finger Lakes Region and Mexico
crmoores Offline
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crmoores  Offline
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Joined: Jan 2005
Posts: 1,334
Finger Lakes Region and Mexico
Don’t you use travel insurance anyway? Or do some folks actually have private health insurance (at home) that covers them internationally, but without COVID-19 coverage?

Last edited by crmoores; 09/23/2021 04:24 PM. Reason: Typo

"Travel changes you. As you move through this life and this world you change things slightly, you leave marks behind, however small. And in return, life — and travel — leaves marks on you.”
-Anthony Bourdain
Re: Covid insurance.. [Re: crmoores] #264292
09/23/2021 04:27 PM
09/23/2021 04:27 PM
Joined: Nov 2000
Posts: 2,796
Cane Garden Bay, Tortola
JasonHelmbrecht Online content
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JasonHelmbrecht  Online Content
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Joined: Nov 2000
Posts: 2,796
Cane Garden Bay, Tortola
Originally Posted by crmoores
Don’t you use travel insurance anyway? Or do some folks actually have private health insurance (at home) that covers them internationally, but without COVID-19 coverage?

Almost all of our guests last year used a letter from BCBS that indicated their home insurance covers them internationally. No mention of COVID, evacuation, or quarantine coverage.


JasonHelmbrecht
Coconut Breeze Villas
Cane Garden Bay
reservations@coconutbreezevillas.com
www.coconutbreezevillas.com
Re: Covid insurance.. [Re: JasonHelmbrecht] #264304
09/23/2021 06:22 PM
09/23/2021 06:22 PM
Joined: Jan 2005
Posts: 1,334
Finger Lakes Region and Mexico
crmoores Offline
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crmoores  Offline
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Joined: Jan 2005
Posts: 1,334
Finger Lakes Region and Mexico
Originally Posted by JasonHelmbrecht
Originally Posted by crmoores
Don’t you use travel insurance anyway? Or do some folks actually have private health insurance (at home) that covers them internationally, but without COVID-19 coverage?

Almost all of our guests last year used a letter from BCBS that indicated their home insurance covers them internationally. No mention of COVID, evacuation, or quarantine coverage.

Ok, thanks, I wondered what folks were using. I know some use MedJet for the extraordinary medivac coverage…
Our home (US) insurance is Secondary coverage when traveling internationally. So we use a trip insurance policy with Primary medical/medivac coverage, and that provides coverage in the event we test positive (asymptomatically) and must do the mandatory quarantine.


"Travel changes you. As you move through this life and this world you change things slightly, you leave marks behind, however small. And in return, life — and travel — leaves marks on you.”
-Anthony Bourdain
Re: Covid insurance.. [Re: crmoores] #264311
09/23/2021 09:14 PM
09/23/2021 09:14 PM
Joined: Nov 2000
Posts: 2,796
Cane Garden Bay, Tortola
JasonHelmbrecht Online content
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JasonHelmbrecht  Online Content
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Joined: Nov 2000
Posts: 2,796
Cane Garden Bay, Tortola
Originally Posted by crmoores
Originally Posted by JasonHelmbrecht
Originally Posted by crmoores
Don’t you use travel insurance anyway? Or do some folks actually have private health insurance (at home) that covers them internationally, but without COVID-19 coverage?

Almost all of our guests last year used a letter from BCBS that indicated their home insurance covers them internationally. No mention of COVID, evacuation, or quarantine coverage.

Ok, thanks, I wondered what folks were using. I know some use MedJet for the extraordinary medivac coverage…
Our home (US) insurance is Secondary coverage when traveling internationally. So we use a trip insurance policy with Primary medical/medivac coverage, and that provides coverage in the event we test positive (asymptomatically) and must do the mandatory quarantine.

I carry a MedJet policy for extreme situations but depend on my US policy to cover BVI expense. I'd have to pay out of pocket and submit a claim but it should cover me in the end. In general, BVI medical costs are pretty low so I'm comfortable paying out of pocket and asking for reimbursement.


JasonHelmbrecht
Coconut Breeze Villas
Cane Garden Bay
reservations@coconutbreezevillas.com
www.coconutbreezevillas.com
Re: Covid insurance.. [Re: Manpot] #264320
09/23/2021 11:02 PM
09/23/2021 11:02 PM
Joined: Jan 2005
Posts: 1,334
Finger Lakes Region and Mexico
crmoores Offline
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crmoores  Offline
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Joined: Jan 2005
Posts: 1,334
Finger Lakes Region and Mexico
Of course, I understand. Just thinking about the dreaded positive test before flying to the US and associated Q and those costs. We haven’t really had that concern during this pandemic since we are spending our time primarily at our Carib place. But for most travelers who are still working and who are spending a week or two in the Carib that is a real concern…so the trip insurance policies like those Allianz provides that cover that scenario are important. With Primary coverage we’ve also been reimbursed during the medical emergency. But secondary can also pick up costs during an extended emergency…
Hoping things continue to improve in the BVI…


"Travel changes you. As you move through this life and this world you change things slightly, you leave marks behind, however small. And in return, life — and travel — leaves marks on you.”
-Anthony Bourdain
Re: Covid insurance.. [Re: Manpot] #264322
09/24/2021 12:41 AM
09/24/2021 12:41 AM
Joined: Jan 2015
Posts: 279
California
Sunnykm Offline
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Sunnykm  Offline
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Joined: Jan 2015
Posts: 279
California
Ok here is my dilemma… my group of friends are potentially coming down to charter in mid November (yayyyy!) we would be 5-6 from separate households but all vaccinated. What if one of us tests positive?? Yikes!!

Jason would have to be on speed dial and we would hope he has a villa for one to quarantine in for a week

Sunny

Re: Covid insurance.. [Re: Sunnykm] #264331
09/24/2021 08:42 AM
09/24/2021 08:42 AM
Joined: Nov 2000
Posts: 2,796
Cane Garden Bay, Tortola
JasonHelmbrecht Online content
Traveler
JasonHelmbrecht  Online Content
Traveler
Joined: Nov 2000
Posts: 2,796
Cane Garden Bay, Tortola
Originally Posted by Sunnykm
Ok here is my dilemma… my group of friends are potentially coming down to charter in mid November (yayyyy!) we would be 5-6 from separate households but all vaccinated. What if one of us tests positive?? Yikes!!

Jason would have to be on speed dial and we would hope he has a villa for one to quarantine in for a week

Sunny

Mid-November is no problem... Gotcha covered!! Off-season rate, too!


JasonHelmbrecht
Coconut Breeze Villas
Cane Garden Bay
reservations@coconutbreezevillas.com
www.coconutbreezevillas.com
Re: Covid insurance.. [Re: Sunnykm] #264339
09/24/2021 10:19 AM
09/24/2021 10:19 AM
Joined: Jan 2005
Posts: 1,334
Finger Lakes Region and Mexico
crmoores Offline
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crmoores  Offline
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Joined: Jan 2005
Posts: 1,334
Finger Lakes Region and Mexico
Originally Posted by Sunnykm
Ok here is my dilemma… my group of friends are potentially coming down to charter in mid November (yayyyy!) we would be 5-6 from separate households but all vaccinated. What if one of us tests positive?? Yikes!!

Jason would have to be on speed dial and we would hope he has a villa for one to quarantine in for a week

Sunny


That would be potentially terrible for the entire group!


"Travel changes you. As you move through this life and this world you change things slightly, you leave marks behind, however small. And in return, life — and travel — leaves marks on you.”
-Anthony Bourdain
Re: Covid insurance.. [Re: Manpot] #264346
09/24/2021 12:50 PM
09/24/2021 12:50 PM
Joined: Dec 2004
Posts: 2,374
Ill, USA
Will_L Offline
Traveler
Will_L  Offline
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Joined: Dec 2004
Posts: 2,374
Ill, USA
Hi Mal,

You are likely covered under a supplemental policy if you have one to Medicare. The people at Mutual of Omaha sent us both an email with our policy numbers on it and the portion of a brochure that says you were covered for visits on emergency basis for first 90 days in a foreign country.

They took it fine on our portal application

Re: Covid insurance.. [Re: Manpot] #264347
09/24/2021 02:24 PM
09/24/2021 02:24 PM
Joined: Jul 2015
Posts: 15
MD, MA
K
Kiles41 Offline
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Kiles41  Offline
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K
Joined: Jul 2015
Posts: 15
MD, MA
We have a charter booked in December and the travel insurance I purchased for my family covers medical and hospitalizations, but it's capped at $75,000.00 per person. Does anyone know whether that type of insurance will allow us entry?

Re: Covid insurance.. [Re: Manpot] #264353
09/24/2021 03:49 PM
09/24/2021 03:49 PM
Joined: Oct 2009
Posts: 1,124
Memphis, BVI, CT
R
RatmansWife Offline
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RatmansWife  Offline
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R
Joined: Oct 2009
Posts: 1,124
Memphis, BVI, CT
If there's no more portal, where are they going to verify your insurance? Are the people doing the quick tests going to review your insurance coverage? Either they won't check, or this is going to be an arrival nightmare.

Re: Covid insurance.. [Re: Manpot] #264381
09/25/2021 11:41 AM
09/25/2021 11:41 AM
Joined: Jan 2005
Posts: 1,334
Finger Lakes Region and Mexico
crmoores Offline
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crmoores  Offline
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Joined: Jan 2005
Posts: 1,334
Finger Lakes Region and Mexico
$75k is a pretty good medical limit and any trip insurance medical policy should qualify anyway. Usually the medivac coverage is much higher. Does the policy cover you for a positive COVID-19 test and subsequent quarantine/test costs?


"Travel changes you. As you move through this life and this world you change things slightly, you leave marks behind, however small. And in return, life — and travel — leaves marks on you.”
-Anthony Bourdain
Re: Covid insurance.. [Re: crmoores] #264393
09/25/2021 04:43 PM
09/25/2021 04:43 PM
Joined: Jul 2015
Posts: 15
MD, MA
K
Kiles41 Offline
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Kiles41  Offline
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K
Joined: Jul 2015
Posts: 15
MD, MA
The Medivac insurance is significantly higher. The policy does cover expenses associated with having to quarantine.

Re: Covid insurance.. [Re: Kiles41] #264418
09/26/2021 10:27 AM
09/26/2021 10:27 AM
Joined: Jan 2005
Posts: 1,334
Finger Lakes Region and Mexico
crmoores Offline
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crmoores  Offline
Traveler
Joined: Jan 2005
Posts: 1,334
Finger Lakes Region and Mexico
Originally Posted by Kiles41
The Medivac insurance is significantly higher. The policy does cover expenses associated with having to quarantine.

Great! The $75k is one of the better limits. We usually have $50,000 - $100,000 medical and $1,000,000 medivac.
Having coverage for the potential positive test/quarantine expenses also puts your mind at ease. The only thing we can’t insure is the added time away from work, etc…But it’s great that things are improving and we can now make these trips!


"Travel changes you. As you move through this life and this world you change things slightly, you leave marks behind, however small. And in return, life — and travel — leaves marks on you.”
-Anthony Bourdain
Re: Covid insurance.. [Re: RatmansWife] #264472
09/27/2021 08:34 AM
09/27/2021 08:34 AM
Joined: Sep 2006
Posts: 552
Kannapolis, NC
ndfaninnc Offline
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ndfaninnc  Offline
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Joined: Sep 2006
Posts: 552
Kannapolis, NC
Originally Posted by RatmansWife
If there's no more portal, where are they going to verify your insurance? Are the people doing the quick tests going to review your insurance coverage? Either they won't check, or this is going to be an arrival nightmare.


I'd like to see an answer to this.


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