How much Emergency Evacuation & Repatriation coerage do I need going to Bermuda

[ilsh75]

How much could Med evac ost if one needs to be evacuated from bermuda or from the ship on the way to/from Bermuda. Hoping some one how deals with customer claim has a clue. Looking to get a Travel Guard thru costco that has waiver of pre existing condition and only need to buy the premium at the time of final payment. But they only have 100K Medical and 200K for evac.

100K Medical seems enough as I also have coverage thru my helath insurance that will cover some. We are in or mid 30 and the only pre existing condition right now is my bad back. For which the treetment is ussualy rest and pills.

Any clue what the evac cost would be.

My other option so far is CSA but it stated they won't deposit any funds for you and you need to handle it all when you return. Which seems risky as the cost could be very high.

[cruiseco]

How much could Med evac ost if one needs to be evacuated from bermuda or from the ship on the way to/from Bermuda. Hoping some one how deals with customer claim has a clue. Looking to get a Travel Guard thru costco that has waiver of pre existing condition and only need to buy the premium at the time of final payment. But they only have 100K Medical and 200K for evac.

100K Medical seems enough as I also have coverage thru my helath insurance that will cover some. We are in or mid 30 and the only pre existing condition right now is my bad back. For which the treetment is ussualy rest and pills.

Any clue what the evac cost would be.

My other option so far is CSA but it stated they won't deposit any funds for you and you need to handle it all when you return. Which seems risky as the cost could be very high.

 

An evacuation from a ship sailing to or from Bermuda would be handled by the US Coast Guard -- freebie. So all you realistically have to worry about is the cost of a repatriation and $200K should be more than enough.

 

Here's one example of the Coasties in action off Bermuda

 

http://www.d5.uscgnews.com/go/doc/651/981515/

[ilsh75]

An evacuation from a ship sailing to or from Bermuda would be handled by the US Coast Guard -- freebie. So all you realistically have to worry about is the cost of a repatriation and $200K should be more than enough.

What about evac from Bermuda?

[cruiseco]

What about evac from Bermuda?

 

Evac to where? In the event of a medical emergency while actually in Bermuda an evac would be to the closest hospital in Bermuda that could handle the problem (they have excellent facilities there). If you want the ability to say "no, I don't want to go to a Bermuda hospital I want to be treated at a hospital near my home" then you'd better check into coverage from a company like MedJet which allows that choice.

 

Otherwise, the plans you're looking at all are worded similar to this from TravelSafe:

 

"1. Emergency Medical Evacuation: If the local attending Legally Qualified Physician and the Program Medical Advisor determine that transportation to a Hospital or medical facility is Medically Necessary to treat an unforeseen Sickness or Injury which is acute or life threatening and adequate Medical Treatment is not available in the immediate area, the Transportation Expense incurred will be paid for the Usual and Customary Charges for transportation to the closest Hospital or medical facility capable of providing that treatment."

 

Getting home from Bermuda once you have been stabilized enough to travel would be a repatriation (or called a "non-emergency medical evacuation" by some plans).

[ilsh75]

Evac to where? In the event of a medical emergency while actually in Bermuda an evac would be to the closest hospital in Bermuda that could handle the problem (they have excellent facilities there). If you want the ability to say "no, I don't want to go to a Bermuda hospital I want to be treated at a hospital near my home" then you'd better check into coverage from a company like MedJet which allows that choice.

 

Otherwise, the plans you're looking at all are worded similar to this from TravelSafe:

 

"1. Emergency Medical Evacuation: If the local attending Legally Qualified Physician and the Program Medical Advisor determine that transportation to a Hospital or medical facility is Medically Necessary to treat an unforeseen Sickness or Injury which is acute or life threatening and adequate Medical Treatment is not available in the immediate area, the Transportation Expense incurred will be paid for the Usual and Customary Charges for transportation to the closest Hospital or medical facility capable of providing that treatment."

 

Getting home from Bermuda once you have been stabilized enough to travel would be a repatriation (or called a "non-emergency medical evacuation" by some plans).

Hm than I was not understanding it correctly. After person was stabalized how would he get home in case he can't travel in the airplane?

[cruiseco]

Hm than I was not understanding it correctly. After person was stabalized how would he get home in case he can't travel in the airplane?

 

With most plans that's considered a "repatriation" but sticking with that same TravelSafe plan it's a "non-emergency medical evacuation":

 

"Non-Emergency Medical Evacuation: If the local attending Legally Qualified Physician and the Program Medical Advisor determine that it is Medically Necessary for You to return to Your place of permanent residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred will be paid for Your return to Your permanent residence or to a Hospital or medical facility closest to Your permanent place of residence capable of providing that treatment via one of the following methods of transportation, as approved, in writing, by the Program Medical Advisor: i) one-way Economy Transportation; ii) commercial air upgrade (to Business or First Class), based on Your condition as recommended by the local attending Legally Qualified Physician and verified in writing; or iii) other covered land or air transportation including, but not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the Program Medical Advisor. Transportation must be via the most direct and economical route."

 

As you can see, depending on the circumstances it could be via a commercial airline flight all the way up to an air ambulance with a doctor and/or nurse in attendance. By the way, this TravelSafe plan has a benefit limit of $1 million.

 

I know of one person who had a heart attack in France about two years ago, was stabilized, then put on an air ambulance to bring him home to Pennsylvania. Cost was about $75K. Unless you live in Nome or Honolulu or some place like that $200K from Bermuda should be more than enough.

[ilsh75]

With most plans that's considered a "repatriation" but sticking with that same TravelSafe plan it's a "non-emergency medical evacuation":

 

"Non-Emergency Medical Evacuation: If the local attending Legally Qualified Physician and the Program Medical Advisor determine that it is Medically Necessary for You to return to Your place of permanent residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred will be paid for Your return to Your permanent residence or to a Hospital or medical facility closest to Your permanent place of residence capable of providing that treatment via one of the following methods of transportation, as approved, in writing, by the Program Medical Advisor: i) one-way Economy Transportation; ii) commercial air upgrade (to Business or First Class), based on Your condition as recommended by the local attending Legally Qualified Physician and verified in writing; or iii) other covered land or air transportation including, but not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the Program Medical Advisor. Transportation must be via the most direct and economical route."

 

As you can see, depending on the circumstances it could be via a commercial airline flight all the way up to an air ambulance with a doctor and/or nurse in attendance. By the way, this TravelSafe plan has a benefit limit of $1 million.

 

I know of one person who had a heart attack in France about two years ago, was stabilized, then put on an air ambulance to bring him home to Pennsylvania. Cost was about $75K. Unless you live in Nome or Honolulu or some place like that $200K from Bermuda should be more than enough.

Thanks now it is clear. I live in NYC so should not be a problem.