Emergency Medical Transport Insurance

paulcb said:
That looks pretty comprehensive Andy. $300 per year seems somewhat reasonable. Any caveats or downsides to this?
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I think the advantage of SkyMed is that they will also recover your vehicle so it is much more than just helicopter rescue.
 
I'm also looking for insurance for a helicopter ride. Thanks for sharing your experiences, I'll check the suggested companies out for sure. But any updates are appreciated.
 
Think I'm covered...I should check, though. A cheap, practical helicopter costs near a megabuck so renting its time is expensive.
 
Specific to motorcyclists, I would suggest that while everyone is checking their policy for this coverage, you also check your coverage, including travel medical insurance, for what else is covered, or rather not covered. Many policies include compensation for loss of, or loss of use of, limbs as a result of an accident as part of their standard policy. They also cover loss of income due to the same. I discovered years ago that many policies exclude this coverage when this loss is the result of an accident while on a motorcycle. Often this was available, but as a separate additional coverage at an additional cost.
 
I remember checking back in 2015 when we took a trip to Colorado and then up the Pacific coast and the policy we had excluded vehicles that where not operated on public roads so excluding race tracks and motocross type of riding. The vehicle also needed to be licensed and insured. Your Provincial coverage had to be in effect, basically means you can’t be out province for more than 180 days or so in Ontario. It also had exclusions for sports like sky diving, parachuting things along that line.

It is worth taking the half hour it takes to read the terms, especially exclusions of coverage.
 
Gerhard said:
It also had exclusions for sports like sky diving, parachuting things along that line.
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Good point this.
According to several reports that I have seen on shows like Market Place and W5, one rather disgusting thing that insurance companies are doing is that the determination of coverage is made at the time of the claim. They take your money happily enough, but when you submit a claim they deny it stating that certain activities, such as what you have mentioned above, disqualify the coverage. I don't recall the specifics of the loop-hole that they use to do so, but it is something to the effect that certain types of activities are classified as undue risk and therefore are not covered. There have been quite a few cases like this in the news the past several years where Canadians have been injured while doing these types of activities during their winter vacation in the Southern states. They required hospitalization and/or intensive care treatment which accumulated huge US medical bills that their insurance company subsequently refused to reimburse. There have been several law suits launched against the insurance companies over this. I am not aware of the result of any of them.
 
Andrew Shadow said:
Specific to motorcyclists, I would suggest that while everyone is checking their policy for this coverage, you also check your coverage, including travel medical insurance, for what else is covered, or rather not covered. Many policies include compensation for loss of, or loss of use of, limbs as a result of an accident as part of their standard policy. They also cover loss of income due to the same. I discovered years ago that many policies exclude this coverage when this loss is the result of an accident while on a motorcycle. Often this was available, but as a separate additional coverage at an additional cost.
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Having that kind of coverage can really be a game-changer when things get tough and you need medical help ASAP.
Now, if you're trying to figure out the best options, you might want to check out selectquote reviews https://www.pissedconsumer.com/selectquote/RT-F.html. It's always a good idea to hear what others have experienced with different insurance providers. Stay informed, find a plan that suits your needs, and ensure you're covered when life throws you a curveball
 
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A few years ago "playinatwork" hit a deer in rural Kansas and broke his neck. He needed to get back to Jacksonville for rehab.
He did not have medevac insurance. His problem was resolved through a go fund me effort.
If you do long distance touring you should consider sharing the cost of recovery risk with an insurance provider.
 
The saying you never hear the bullet that kills you isn't about war and dieing, it's about life and living. Buy as much insurance as you want but you can never cover everything.

Tom
 
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