Baja Bucko
Nomad
Posts: 288
Registered: 9-23-2003
Member Is Offline
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Final Recommendation for Medivac insurance for Baja to US?
Since the Ron episode much info regarding getting emergency medical care in and out of Baja back to US information was discussed. I learned a lot and
now want to know what was decided as to a couple of "best" options for this. Who here recommends the plan they have signed up for or have used???
My other 4WD is a Baja Mule!
La Mula Mil Survivor 2013-2014!
1000 miles by mule from the tip to Tecate!
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TMW
Select Nomad
Posts: 10659
Registered: 9-1-2003
Location: Bakersfield, CA
Member Is Offline
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In addition to the medical coverage with my auto insurance I'm signed up with the Binational Emergency service. I also have the international
insurance coverage with my Spot. Would also like to know what others have and/or recommend. I don't live in Baja but travel several times a year in
Baja.
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SkyMedBarbara
Junior Nomad
Posts: 77
Registered: 9-17-2007
Location: Loreto
Member Is Offline
Mood: Happy
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I have been a SkyMed Rep. in Loreto for over 4 years and have many, many members. We now have monthly installment plans available at no extra cost so
everyone can have "Peace of Mind". Please e- mail me at skymedloreto@gmail.com for more information and I'll help you decide which membership plan
is best for you and your family. www.skymed.com/loreto
[Edited on 10-6-2011 by SkyMedBarbara]
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bajaguy
Elite Nomad
Posts: 9247
Registered: 9-16-2003
Location: Carson City, NV/Ensenada - Baja Country Club
Member Is Offline
Mood: must be 5 O'clock somewhere in Baja
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Evac Insurance
I have the SAR/Evac insurance for my wife and I with SPOT:
http://www.findmespot.com/en/
http://www.findmespot.com/en/index.php?cid=104
I strongly suggest that Nomads review their existing health plan and/or life insurance plan for evacuation insurance programs.
We have an evacuation plan that is included in our health insurance program at no additional cost through Med-Ex:
http://www.medexassist.com/
Just as a note, we didn't know about the Med-Ex benefit until I was bored and started reading the policy.
Anyone who has a health/life insurance policy through benefits from a public employer (local, state,federal) should check their policy for this or a
similar benefit.
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Bajajorge
Ultra Nomad
Posts: 2604
Registered: 10-13-2005
Location: Topaz Lake, NV/San Felipe
Member Is Offline
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Good Sam RV Club sells an evac policy for $100 a year. Don't know of anybody that has had to use it. All I gather is that you need to have a credit
card to show up front with a $25,000 credit line, to prepay and then Good Sam reimburses you the costs.
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
Member Is Offline
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There is a wide variety of plans available and when my wife was diagnosed with cancer we made a couple of trips down and felt it was necessary to have
evacuation insurance. Some companies require medical underwriting and if you have any medical conditions they will not cover you or give you a waiver
of coverage which means if you had a stint in your heart they would evacuate you for anything other than stint related problems.
Another big issue is where you reside or spend most of your time. If you are in Mulege, for example, you need to make sure that the evacuation
airplane will be able to land at Palo Verde or be prepared to go to Loreto.
Some policies will take you home to your own physician, some will only take you to the nearest hospital across the border. You need to figure that
out beforehand.
You also need to know how to "trigger" your policy. Usually a local doctor has to start the process and make a call to your company of coverage.
The doctor will certify that you are capable of traveling with supervision etc., and then the process is underway.
Be careful of the add on evacuation policies and make sure that you read the coverage very thouroughly. Some are worthless and have a specified
amount of coverage like the Good Sam. A $25 k Policy may not get you home when you start doing inflight nurses etc.,
You can click on the bottom of the page here and read about the policy that we offered through my insurance agency. Be sure to compare prices and
coverage. I have a large number of policies in Mexico as well as other countries and have learned a lot since being involved. If anyone has any
questions that I can answer I would be happy to answer any U2U's.
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EnsenadaDr
Banned
Posts: 5027
Registered: 9-12-2011
Location: Baja California
Member Is Offline
Mood: Move on. It is just a chapter in the past, but don't close the book- just turn the page
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I think anyone in the Ensenada area would do well to avoid the Dr. Scary insurance policies and make arrangements with a reputable ambulance service,
whether prepaid, or have financial institution information ready to be accessed to pay an ambulance to the border...also, if you would like to stay in
the Ensenada area making arrangements beforehand with a reputable hospital such as Cardiomed would be the way to go. And please, people if anything
can be gleaned from the latest fiasco, let your friends know what is and what is not available to you, and your desires for emergency medical
treatment,with at least two individuals. It might do well to post a separate area on this board for just that type of information so no one is left
in the dark.
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Udo
Elite Nomad
Posts: 6364
Registered: 4-26-2008
Location: Black Hills, SD/Ensenada/San Felipe
Member Is Offline
Mood: TEQUILA!
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I recommend checking out the FMCA medical insurance policy for US citizens traveling to Mexico...very inexpensive!
Udo
Youth is wasted on the young!
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Baja Bucko
Nomad
Posts: 288
Registered: 9-23-2003
Member Is Offline
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What is FMCA????
My other 4WD is a Baja Mule!
La Mula Mil Survivor 2013-2014!
1000 miles by mule from the tip to Tecate!
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redmesa
Senior Nomad
Posts: 580
Registered: 3-12-2008
Location: Van Isle and Bahia Asuncion
Member Is Offline
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We have the diamond auto insurance which covers medical and transportation involving a vehicle accident. We also have medivac with geos alliance
which is the Spot people. Also, our Canadian medical will reinburse us at the rate of cost for the same treatment in Canada. We also have 3 credit
cards that can be maxed at 30,000. Having said all that I am still not sure what will really happen in an emergency when we are far from a reputable
hospital.
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BajaBlanca
Select Nomad
Posts: 13242
Registered: 10-28-2008
Location: La Bocana, BCS
Member Is Offline
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no one has D.A.N. ? It seems so reasonable at $55 per year ..... just wonderin'.... wehaven't chosen yet but are going to be making a choice on
this very question soon.
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Skeet/Loreto
Ultra Nomad
Posts: 4709
Registered: 9-2-2003
Member Is Offline
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I traveled and lived in Loreto Baja for a total of 38 years.
I sufferred a heat Stroke and wasvery well taken care of at the then Clinic in Loreto.
My wife had an emergency operation at the General hospital in Constitution. The Doctors saved her Life.
I had two surgeries on my neck and Face.
My wife had a minor surgery inside her Nose at Constitution.
I would suggest that anybody have some confidence in the health Care Service in Baja especially Constitution and La paz..
Sure seems as if Ron got through his Emergency o.k.
Skeet/Loreto
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SkyMedBarbara
Junior Nomad
Posts: 77
Registered: 9-17-2007
Location: Loreto
Member Is Offline
Mood: Happy
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I would be happy to answer questions about SKyMed. Our memberships are for short term (under 6 months) or full time (in Mexico) (as well as 32 other
countries). We TAKE YOU HOME to USA or Canada. www.skymed.com/loreto or skymedloreto@gmail.com
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bajalou
Ultra Nomad
Posts: 4459
Registered: 3-11-2004
Location: South of the broder
Member Is Offline
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| Quote: | Originally posted by Baja Bucko
What is FMCA???? |
Family Motor Coach Assn.
No Bad Days
\"Never argue with an idiot. People watching may not be able to tell the difference\"
\"The trouble with doing nothing is - how do I know when I\'m done?\"
Nomad Baja Interactive map
And in the San Felipe area - check out Valle Chico area |
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