Med Flight Insurance Carrier ?

by Z MadCity @, Madison Wisconsin, Friday, September 06, 2019, 13:01 (46 days ago)

I've been looking in the archives, some of you have flight insurance in the event of necessary medical evacuation.
Since policies keep changing their options/coverage, my husband and I are shopping for a suitable one for our annual 6 months in Zihua.
May I ask what some of you are using? Eg, I was looking at "Medjet Expat 365" and the fine print says they can choose to not fly into areas deemed 3 or 4 danger by US Dept. of State, which leaves out Zihua, unfortunately.
I did speak to an AirMed agent this morning --they sound like a promising carrier? May I ask for thoughts from any of you willing to share info on this?
As always, thanks to ZihuaRob for this very valuable Board for our dialogue and questions!!

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Med Flight Insurance Carrier ?

by frostbite ⌂ @, Hamilton MT, Friday, September 06, 2019, 14:07 (46 days ago) @ Z MadCity

We use AIG Travel Insurance. 800-826-1300. Unable to give a critique, since we've never had to use them.

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[image]
http://www.casa-amarilla-zihua.com

Med Flight Insurance Carrier ?

by Paulf @, Mount Sterling, Ky 40353, Saturday, September 07, 2019, 10:00 (45 days ago) @ frostbite

We used AIG for a emergency dental problem- just had to submit a cop of our billing for the procedure. We use them when every we travel outside of the US.

Med Flight Insurance Carrier ?

by kjgco, Colorado, Friday, September 06, 2019, 14:45 (46 days ago) @ Z MadCity

I've been looking in the archives, some of you have flight insurance in the event of necessary medical evacuation.
Since policies keep changing their options/coverage, my husband and I are shopping for a suitable one for our annual 6 months in Zihua.
May I ask what some of you are using? Eg, I was looking at "Medjet Expat 365" and the fine print says they can choose to not fly into areas deemed 3 or 4 danger by US Dept. of State, which leaves out Zihua, unfortunately.
I did speak to an AirMed agent this morning --they sound like a promising carrier? May I ask for thoughts from any of you willing to share info on this?
As always, thanks to ZihuaRob for this very valuable Board for our dialogue and questions!!

We've used squaremouth.com to comparison shop price/features. Just purchased a Berkshire Hathaway policy earlier today.

Med Flight Insurance Carrier ?

by Z MadCity @, Madison Wisconsin, Friday, September 06, 2019, 14:52 (46 days ago) @ kjgco

Thanks "kjgco" and Frostbite. We will look into both sites. This will help us make a better informed decision.

PS -- Frostbite: We LOVE your gorgeous yellow home on the hill -- how many hundreds of times we have looked up there and admired your beautiful craftsmenship.

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Med Flight Insurance Carrier ?

by frostbite ⌂ @, Hamilton MT, Friday, September 06, 2019, 17:22 (45 days ago) @ Z MadCity

Thank you! It's on the market, in case you're interested.

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[image]
http://www.casa-amarilla-zihua.com

Med Flight Insurance Carrier ?

by Sarah Ash, Friday, September 06, 2019, 18:07 (45 days ago) @ kjgco

Most Travel Insurance which claims to include Medical Evacuation has small print which says that the evacuation will only happen "when medically necessary" and then only to "nearest adequate medical facility". If the initial hospital can treat you then you go NO WHERE. If you are evacuated you may just be sent to the next town with a bigger hospital!

In the Basic Service Area, SkyMed evacuates you by "Members Choice" even if the initial hospital can treat you and SkyMed evacuates you to the HOME HOSPITAL OF YOUR CHOICE in USA, Canada or Mexico. SkyMed Takes You Home! big difference if you really want to be evacuated in a medical emergency...big difference!

The large print giveth and the small print taketh away!

I can explain the differences in the small print in contacts which restrict your chance of qualifying for any medical evacuation with other plans. I have tons of testimonials from SkyMed members evacuated from Mexico...and then SkyMed will fly you back after recovery to continue your snowbird or expat adventures!

Sarah Ash
SkyMed Team Leader Mexico
sarah.ash@skymed.com
MX Cell 415 125 3537
USA Cell 928 255 0220

SkyMed

by La Reina ⌂ @, Friday, September 06, 2019, 16:38 (46 days ago) @ Z MadCity

I purchased SkyMed flight evacuation insurance earlier this year but, fortunately for me, have not had to use it. They will fly into the state of Guerrero, despite the security warnings. This insurance doesn't cover local medical costs. For that I purchase CARP's (Canadian Association of Retired Persons) travel insurance policy for my two-month visit. In the past I've incurred a few minimal costs which didn't warrant making an insurance claim.

SkyMed

by Sarah Ash, Friday, September 06, 2019, 18:19 (45 days ago) @ La Reina

Thank you La Reina for highlighting SkyMed. As the Team Leader for SkyMed I have special discounts NOT available on the website. I will also be doing seminars in the Zihua / Ixtapa areas once snowbird season starts again so members and those interested can attend, meet me in person and get ALL of their questions answered. SkyMed: 30 Years Saving Lives and Nest Eggs!
Sarah Ash
SkyMed Team Leader, Mexico
MX Cell 415 125 3537
USA Cell 928 255 0220
sarah.ash@skymed.com

Med Flight Insurance Carrier ?

by Sarah Ash, Friday, September 06, 2019, 17:52 (45 days ago) @ Z MadCity

I am the SkyMed Team Leader for Mexico. SkyMed DOES evacuate members from Zone 4 in Mexico....most look alike plans do NOT! SkyMed has evacuated members from Zihua, Troncones and Ixtapa! SkyMed is the Gold Standard of Medical Evacuation Plans....no other plan can match the flexibility and comprehensiveness of a SkyMed Plan because the others all have small print which restricts when an evacuation can happen, they DO NOT guarantee renewal as SkyMed DOES and other plans DO NOT transport members home who are NOT HOSPITALIZED. SkyMed will transport members to the home hospital of their choice in the USA, Canada or Mexico if they have received a series diagnosis even if they are NOT hospitalized...if they need immediate further testing / treatment to avoid loss of life or loss of function of limb or organ! In a medical emergency you will either be glad you have SkyMed or wish you did!
Please contact me for further information and a clear illustration of how SKyMed OUTPERFORMS all other look alike plans.
sarah.ash@skymed.com
MX Cell 415 125 3537
USA Cell 928 255 0220

tMed Flight Insurance Carrier ?

by jaz, Saturday, September 07, 2019, 10:03 (45 days ago) @ Sarah Ash

Check out Travel MedEvac, $495.00 U.S.for 2, haven't had to use but they evac to home hospital of choice and no Mexico restrictions.

Med Flight Insurance Carrier ?

by Gringo Viejo @, Kansas/Zihuatanejo, Saturday, September 07, 2019, 19:35 (44 days ago) @ Z MadCity

You have taken the first and most important step in understandings Air Evac insurance. It is not a simple matter of just buying the contract and then lifting the phone when you want to go home for medical care. It is much, much more complicated than that. For example, with most policies you must be hospitalized ad a lot of coordination has to take place before the air ambulance even takes off. No small part is governed by international law and a bed must be certified available by the receiving hospital, etc. etc. Read the fine print closely. Most contracts take you to the nearest facility where care can be provided. Be cautious!

Med Flight Insurance Carrier ?

by Lilyana @, Sunday, September 08, 2019, 12:50 (44 days ago) @ Gringo Viejo

Is it also the case that the treating doctor in Mexico is required to confirm that you (the patient) should be medically evacuated to a hospital of your choice in your home country?

If the treating doctor in Mexico feels that he/she can provide adequate medical treatment and isn't willing to sign off then you do not have a choice to be evacuated. This could be a problem.

Also, you must be deemed stable enough to fly.

Med Flight Insurance Carrier ?

by Gringo Viejo @, Kansas/Zihuatanejo, Sunday, September 08, 2019, 14:13 (44 days ago) @ Lilyana

Each policy has its own pitfalls and that is the reason to read the fine print carefully.

Med Flight Insurance Carrier ?

by Ironwood, Sunday, September 08, 2019, 17:20 (44 days ago) @ Lilyana

Is it also the case that the treating doctor in Mexico is required to confirm that you (the patient) should be medically evacuated to a hospital of your choice in your home country?

If the treating doctor in Mexico feels that he/she can provide adequate medical treatment and isn't willing to sign off then you do not have a choice to be evacuated. This could be a problem.

Also, you must be deemed stable enough to fly.

..........and if you are stable enough to fly, why would you need medivac anyway? Not to be too negative, but these are some of the concerns we have as well. Although we have no first-hand experience, common sense tells me that folks are dreaming if they expect their medivac plan will unquestioningly fork out tens of thousands of dollars to fly someone a few thousand miles to the hospital of their choice because they would prefer to be home. If having that insurance provides some peace of mind, perhaps it's worth it. But it's what happens when the rubber hits the road that counts. The very last thing I would want to be doing when faced with a medical emergency is arguing with the insurance company whether medivac is necessary or not.
Given our current health problems (we're both in our mid-70's), the kind of health emergency we might reasonably expect to face would probably rule out a medical evacuation anyway: there wouldn't be enough time and any medically-trained personnel on the medivac flight probably wouldn't have the equipment or the expertise to be of much use.
Let's be clear: Zihua isn't Mazatlan or Guadalajara when it comes to facilities able to handle a medical emergency. Life's a crap shoot anyway you look at it.

Med Flight Insurance Carrier ?

by rdcosta @, Sunday, September 08, 2019, 17:30 (43 days ago) @ Ironwood

I'm sorry you feel that way but I personally know two people that were evacuated from Zihau. It was their choice, not the evacuation company's choice. Everything worked out well for both people and they were both very happy with the service.
If you have a good relationship with a Dr. in Zihau it is a lot easier but neither one of these people did and it still worked out. I am speaking from experience, not my own , but from personal friends.

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Med Flight Insurance Carrier ?

by frostbite ⌂ @, Hamilton MT, Monday, September 09, 2019, 06:32 (43 days ago) @ rdcosta

Which outfit were they insured by?

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[image]
http://www.casa-amarilla-zihua.com

Med Flight Insurance Carrier ?

by Gringo Viejo @, Kansas/Zihuatanejo, Sunday, September 08, 2019, 18:06 (43 days ago) @ Ironwood

"Crap shoot--" right on. But be advised that most air evac floghlts are much more than "just getting on the airplane". The aircraft come complete with a nurse and medical equipment and are full qqualified to transport patients-----or if not so equpppeed/trained they will not take them. Internatiional Law regualtes this industry.

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Med Flight Insurance Carrier ?

by Talley Ho @, Playa la Ropa, Sunday, September 08, 2019, 18:44 (43 days ago) @ Ironwood

:megusta:

A voice of reason.

Especially true if you actually live here. Where would you have them take you? Then what???

Med Flight Insurance Carrier ?

by cd69 @, Winnipeg,MB,Canada, Monday, September 09, 2019, 18:48 (42 days ago) @ Ironwood

Very true in most cases of serious health issues where being medevac is not an option due to your condition. Kind of a catch-22 situation...

Med Flight Insurance Carrier ?

by tay50 @, Wednesday, September 11, 2019, 08:42 (41 days ago) @ cd69

Having the flight insurance is a good idea, but the first issue you have to deal with is all the money you need during the medical issue. I had posted about our friends heart attack he had on vacation this past March, after some smart ass comments I just dropped it. He ended up at Hospital General and the money milking machine started, not just a few pesos but thousands of them, more than we could withdraw in a single day on our atm cards. The hospital administrator is a little prick he doesn't care about nothing except money, and every time we paid the money he asked for, we got asked for more. Only when we grabbed the money off the table and started to walk out, he stopped, at least we thought so. The whole time this was going on there was constant pressure on us telling us our fried would die if we didn't get the money he requested, funny thing he also didn't want to give us receipts? Also don't try to use credit cards they won't take them there at Hospital General anyways. So long story short, $28000.00 later our friend back in the US in Texas, (we live in Michigan) for treatment and the life flight, was not included in the 28 grand, our vacation package insurance paid that. I could go on with the whole story but it would take up a lot of time. Our friend is doing fine, only ended up losing about 5% percent of his heart function.

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Med Flight Insurance Carrier ?

by mexicoman @, Zihuatanejo, Wednesday, September 11, 2019, 11:11 (41 days ago) @ tay50

$28,000 US???

Med Flight Insurance Carrier ?

by tay50 @, Wednesday, September 11, 2019, 16:27 (41 days ago) @ mexicoman

Yes US, that was from the start of the heart attack to the flight home from San Antonio Texas where the Med Jet took him from Acapulco. He went from Zih by ambulance to Acapulco, where he under went stent surgery, $14000 up front, then was finally good enough to fly, the final $10,000 was due. My friends wife had to call her CC company to increase her credit line to pay off the hospital bill. They tried like hell to kill him while he was in the hospital, but he fooled them and lived. The doctor took to long inserting the stents and caused him to have 3 mini strokes, according to the doctors in San Antonio. Then they gave him some medication that was causing him to act erratic, his wife told them to stop giving him that medication and he was doing better. When she left the room to shower they gave it to him again causing him to go crazy again. Once they left that hospital via Med Jet to go to San Antonio, they took him off all the drugs and started their own medical plan of action he was fine and coherent within a day. So after several months and many phone calls and tons of paper work they ended up getting 99% of their money back through insurance.

Med Flight Insurance Carrier ?

by Canada Pete, Thursday, October 17, 2019, 12:20 (5 days ago) @ Z MadCity

The Company I work for provides insurance for both personal and on job emergencies.

The company is called Global Rescue.

The two times I have seen this used in remote areas it came with a helicopter and staff to transport to an airstrip where a jet was waiting.

I am guessing it's not cheap and the areas evacuated from had no medical services.