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Has anyone have to use travel/medical/evacuation insurance?

Has anyone have to use travel/medical/evacuation insurance?

Jul 20th, 2008, 02:09 PM
  #21  
 
Join Date: Jan 2003
Posts: 32,905
Will, the DAN insurance does cover all kinds of medical emergencies. I quoted a summary statement. If you click on TravelAssist, you'll get further information:

When you join DAN, you are automatically enrolled in DAN's travel assistance plan and your family is covered with your family membership. If you travel at least 50 miles/80 km from your permanent residence, TravelAssist is there to help 24 hours a day. DAN TravelAssist, through AIG Travel Assist, arranges emergency medical evacuations for any medical emergency - and provides many more benefits - for you and your immediate family members.

IMPORTANT: DAN TravelAssist must arrange ALL evacuations. If you make your own emergency evacuation arrangements DAN TravelAssist will not reimburse the cost.

MEDICAL ASSISTANCE

Emergency Evacuation and Repatriation
Covers up to a maximum of $100,000 per person (if a Family Membership) for an emergency evacuation, or medically necessary repatriation.
Prescription Assistance
Locates and arranges to send medication or eyeglasses when it's possible and legally acceptable.
Medical Expense
Advances up to $5,000 for hospital admittance or discharge deposits.
Medical Monitoring
Work with local medical providers and relay necessary information to the member and the member's family until the situation is resolved.
24-Hour Worldwide Medical Information and Assistance
Provides 24-hour multilingual assistance and consultation along with non-diving related medical referrals to physicians, hospitals and specialists.

There is more, but this gives you the idea.
Kathie is online now  
Jul 20th, 2008, 07:00 PM
  #22  
 
Join Date: Sep 2007
Posts: 465
OK, now I see. Thanks for the additional information, Kathie. It does seem such an incredibly inexpensive bargain that I'm still finding myself looking for the catch. Now I'm worried that if I enrolled and they learned that my "diving" experience has been limited to the occasional belly-flop into a lake or pool they'd disqualify me for a fraudulent application ;-) Doesn't a non-diver feel like an interloper in this fraternity/sorority?
WillJame is offline  
Jul 20th, 2008, 07:04 PM
  #23  
 
Join Date: Jan 2003
Posts: 28,942
no
rhkkmk is offline  
Jul 20th, 2008, 07:50 PM
  #24  
 
Join Date: May 2004
Posts: 6,343
another happy DAN member and Kathie believer here....I resent being called an interloper,lol.

Bob, what's an interloper?

Aloha!
hawaiiantraveler is offline  
Jul 20th, 2008, 08:28 PM
  #25  
 
Join Date: Jan 2003
Posts: 28,942
its an attorney that can do back flips
rhkkmk is offline  
Jul 20th, 2008, 08:59 PM
  #26  
 
Join Date: Apr 2008
Posts: 612



... so, a few days trekking a bit of that fine Annapurna circuit, and desirous of insurance ... (just between us: just fly SQ F/J, and let those Singapore Girls carry your cares away...) ...

... seriously, consider booking your Kathmandu room at the Yak and Yeti. (Immediate disclosure: have not stayed at the 'Y&Y' since the 90's, during my pre-mrs. m, carefree days of occasional mountaineering.) ... (And, will always remember the most sublime Y&Y masseuse - our little secret.) ...

... after it's 'all over', fly back to Bangkok, and immediately arrange for late-night, in-room massage treatments at the Four Seasons ... (and do remember to pass - on the Lemongrass) ...

macintosh (robert)


... Namaste! ...





AskOksena is offline  
Jul 21st, 2008, 04:47 AM
  #27  
 
Join Date: Sep 2007
Posts: 465
And interloping could be the peculiar gait of a DAN member wearing mask and flippers being chased out of the WhyandWhy by a yeti.
But my serious concern is this: Anyone who's seen Michael Moore's Sicko knows a bit about what insurance companies will do to deny a claim. I've been through this with cancellation insurance due to illness and the hassle of supplying medical records to establish it wasn't a pre-existing condition. My family doctor told me of cases where insurance companies will spend almost as much to fight a claim as the cost of settling it. My brother-in-law was removed by air ambulance from Phoenix to southern Ontario last winter in a medically-induced coma with two doctors, a nurse, and flight crew accompanying (necessitating opening the receiving airport at 3AM due to weather delays). I doubt that even $100,000 would begin to pay those costs.
Throughout the DAN website the assumption is that members are recreational scuba divers. The motto is "Divers Helping Divers," etc. etc. Has anyone actually inquired to find out if their insurance is available for non-divers? Because the second-worst thing (after having no insurance) would be to think you have when you don't.
WillJame is offline  
Jul 21st, 2008, 05:47 AM
  #28  
 
Join Date: Jan 2003
Posts: 32,905
Will, not only does the website state clearly that the med evac insurance does cover all types of medical emergencies (not just diving), but:

1. I first read about DAN in International Travel News (it's like a Fodors board, but in print). Someone recommended DAN as the least expensive way to get good, reliable med evac insurance. Several readers chimed in with their experiences. One account was from a couple in their 70s, one of whom had a serious bone break while hiking in Nepal and had to be med evaced by DAN. There were a couple of others who reported good experiences as well, including a physician here in Seattle who I had met previously.

2. Being naturally skeptical by nature I did some more research. I also called DAN and talked with two different people there. I said upfront that I was not a diver and was really interested in joining because of their med evac insurance. Both people said that was fine, they had other members who weren't divers.

3. Another advantage of DAN's med evac insurance is that they do not have an age limit - much travel insurance does.

3. One other note, I asked about their definition of family. They have a fairly liberal definition of family that includes domestic partners.

But - don't take my word for it! Call them and talk with them. Do note that the med evac insurance is only available to residents of the US.

By the way, I am a health care profession who is well acquainted with the ways of insurance companies, so I know a fair amount about denials of coverage (and how to appeal, etc).
Kathie is online now  
Jul 21st, 2008, 06:41 AM
  #29  
 
Join Date: Sep 2007
Posts: 465
Dear Kathie:
All of this information--but most especially your points 2 and 3-- is tremendously encouraging and inspires confidence. As a fellow skeptic you know exactly where I'm coming from with my persistence for more information. Thanks for your patience in providing detailed responses about DAN. I'll be signing up.
WillJame is offline  
Jul 21st, 2008, 07:03 AM
  #30  
 
Join Date: Jan 2003
Posts: 32,905
Will, I do indeed know where you are coming from. I'd suggest you call them and talk with them before you sign up. One of my own rules is "always do your own due diligence."
Kathie is online now  
Jul 21st, 2008, 11:14 AM
  #31  
 
Join Date: Sep 2007
Posts: 103
Hi Susie, We too had to use medical facilities in Peru and were insured with AIG. Everything went very smoothly upon our return. We paid in Peru via CC...and sent all documentation to our health insurer, Anthem. They paid a tiny bit, and we sent the bill and documentation that Anthem did not pay onto AIG and within 3 weeks we had our check.
I did not think it was a hardship; but if you are stuck in a country and cannot pay upfront as we were able to (with our cc, or we could have gone to an ATM - it was under $1,000O) it could have been a hardship for some to come up with the payment.
Will be looking at others as we travel a lot and always get insurance!
cc
chacheetah is offline  
Jul 21st, 2008, 01:03 PM
  #32  
 
Join Date: Mar 2007
Posts: 165
Have you tried Amer Exp Travel Ins.
We have it, but have never had to use it. It covers us if we are 150 miles from our residence. You might want to call them.
fosterag is offline  
Jul 21st, 2008, 01:04 PM
  #33  
 
Join Date: Nov 2004
Posts: 1,895
We were insured for our Botswana trip with AIG Travel Guard and my H had to receive some medical attention there, incl. a light aircraft flt to Maun. We paid it all while there and immediately submitted the bills to AIG upon return(all handwritten in Pula) and were reimbursed quickly. I am going to look into the DAN coverage for most other trips though.
moremiles is offline  
Jul 21st, 2008, 01:04 PM
  #34  
 
Join Date: Sep 2007
Posts: 103
Oops, that should have been a thousand, not a million!! Typo!


Anyway, we have always used insuremytrip to get insurance around the world and have used it twice..never had a problem collecting though I really will look into DAN now that I have heard of it. Thanks for the info!
cc
chacheetah is offline  
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