Re: semi move to US
Originally Posted by BubbleChog
(Post 11443576)
I'm not an expert but $200K doesn't sound like enough to cover a serious emergency to me.
I'm sure others who are more knowledgeable will be along. Lx You can fly through 200,000 in the ICU in the US in no time, and if it costs 45,000 for an air ambulance from Arizona to BC, I'd gate to see the price tag for one to the UK from the US. Heck in 2003 my 7 days in the hospital was in excess of 30,000 and I didn't even need ICU or anything of that nature, just a basic hospital stay. My travel policy is 2 million, which is generally the norm for Canadian policies for cross border travel. 200,000 not enough if anything major happens. |
Re: semi move to US
I got a letter from the hospital the other day, had that feeling of trepidation as I opened it and them realised it wasn't going to be a bill. All so simple here; if the consultant wants to see you he/she orders the appointment, no waiting on the say-so of the insurance company and never knowing what's covered.
The travel insurance solutions suggested sound rather precarious, although I suppose if you're dead set on dividing your time you have to take your chances and hope the NHS will pick up the pieces. |
Re: semi move to US
Stacking up short term travel policies will not work, may be able to slide by for minor issues.
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Re: semi move to US
Originally Posted by Sally Redux
(Post 11443594)
I got a letter from the hospital the other day, had that feeling of trepidation as I opened it and them realised it wasn't going to be a bill. All so simple here; if the consultant wants to see you he/she orders the appointment, no waiting on the say-so of the insurance company and never knowing what's covered.
The travel insurance solutions suggested sound rather precarious, although I suppose if you're dead set on dividing your time you have to take your chances and hope the NHS will pick up the pieces. We have a hybrid type system, universal for basic medical services with the government being the insurance company, and a slew of things that require private insurance or cash out of pocket. |
Re: semi move to US
Surely cover of $200000 wouldn't pay for much medical treatment in the US? My medical cover on my annual worldwide insurance is several million pounds and the cost of travel insurance rises dramatically as soon as you say you are going to the US! I can't see why it would be precarious to rely on travel insurance provided you ensure you are complying with the terms. That's what it's for, after all.
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Re: semi move to US
Originally Posted by Dixie101
(Post 11443700)
Surely cover of $200000 wouldn't pay for much medical treatment in the US? My medical cover on my annual worldwide insurance is several million pounds and the cost of travel insurance rises dramatically as soon as you say you are going to the US! I can't see why it would be precarious to rely on travel insurance provided you ensure you are complying with the terms. That's what it's for, after all.
I did not say $200k was good, just what I did and those perhaps on a budget may be interested. Life is full of risks after all. |
Re: semi move to US
Originally Posted by audio
(Post 11443715)
You get what you pay for. several million worldwide cover must have one helluva premium.
I did not say $200k was good, just what I did and those perhaps on a budget may be interested. Life is full of risks after all. The coverage on the low end is 2 million to a high of 5 million. Quote was for a 35 year old. Older folks would cost more, also doesn't cover pre-existing illness or pregnancy. |
Re: semi move to US
I'm pretty sure that even many years ago when I took out travel insurance to the US the cover was 1 million - not sure if that was pounds or dollars.
We Brits tend to be cavalier about medical costs until we realise the US system is there to screw every last cent out of you. |
Re: semi move to US
Does anyone have any advice re driving for snowbirds? Better to buy a cheap car and leave it in US, only being used for 6months of the year? Or rent one? :confused:
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Re: semi move to US
Originally Posted by cocokaren
(Post 11443929)
Does anyone have any advice re driving for snowbirds? Better to buy a cheap car and leave it in US, only being used for 6months of the year? Or rent one? :confused:
I would imagine somewhat cheaper to buy a wrecker with liability only insurance, than to rent one. |
Re: semi move to US
Originally Posted by cocokaren
(Post 11443929)
Does anyone have any advice re driving for snowbirds? Better to buy a cheap car and leave it in US, only being used for 6months of the year? Or rent one? .....
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Re: semi move to US
Originally Posted by audio
(Post 11443715)
You get what you pay for. several million worldwide cover must have one helluva premium.
I did not say $200k was good, just what I did and those perhaps on a budget may be interested. Life is full of risks after all. |
Re: semi move to US
UK Medical Expense used to be unlimited many years ago. Can not remember when they started putting limits in. Anyway and I am going back awhile, 1m was basic, 5m was normal and I never saw anything expressed in Dollars.
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Re: semi move to US
Originally Posted by Jerseygirl
(Post 11444085)
It probably sounds good if you are coming from the UK...but when you've lived in the US you realise that it really won't go very far at all. ;)
The query about renting a car for a few months or buying an old jalopy is also an interesting question. My experience of US car rental firms isn't printable, but I wouldn't leave a car here on my property unless it was in a secure garage. |
Re: semi move to US
repatriation from Spain to the UK was £10,000 5 years ago when a friend had to be repatriated, so I would reckon on at least 100,000 from the US, and even more if specialised nurse etc is required.
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