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Travel medical insurance

 
roadrunner
(@roadrunner)
Trusted Member

I have moved back to the States from STX. I still own property there and visit whenever I can. I let my SkyMed (similar to MASA) lapse, since I no longer live there. I have travel medical insurance for when I travel outside the U.S. entirely, but it doesn't cover the USVI. I have health insurance (United Healthcare), but I don't think it covers medical evacuation from somewhere like the VI.

Those of you who are in a similar situation, what do you use for travel insurance when you visit the VI? I have first-hand experience with the hospital, and while there are some things I would feel comfortable with there, there are others I would not.... and I know they don't cover all specialties, so if I happen to need one of those, I'll need evacuation insurance.

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Topic starter Posted : March 17, 2012 2:47 pm
stxem
(@stx-em)
Trusted Member

Try Traveller EMS or DAN insurance for divers. Are you a diver? DAN has really good evacuation coverage for emergencies and I believe they may cover non-diving accidents when traveling too. Worth looking into since it's only about $100/year.

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Posted : March 17, 2012 8:59 pm
HappyFace
(@HappyFace)
Advanced Member

American Express Credit cards has a plan for about $100.00 Per Year!

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Posted : March 17, 2012 9:06 pm
blu4u
(@blu4u)
Trusted Member

Yes. The amex plan is great. Amex also any array of excellent "travel" related insurances--good deals if you fly often.

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Posted : March 18, 2012 2:58 am
East Ender
(@east-ender)
Expert

rr: Make sure you read the small print. Many medical evacuation policies will transport you only to the nearest facility which provides the service. That is frequently Puerto Rico.

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Posted : March 18, 2012 12:22 pm
sallyf
(@sallyf)
Advanced Member

The medical facilities in PR are perfectly OK - many of them have ex - Mayo Clinic etc specialists who have returned to their home to practice. Prices are reasonable and the quality of medicine is often world class.
There is no need to be afraid of a Medevac to PR.

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Posted : March 18, 2012 6:08 pm
East Ender
(@east-ender)
Expert

You go on down there, sallyf...

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Posted : March 18, 2012 9:57 pm
roadrunner
(@roadrunner)
Trusted Member

Thanks for your help! Now I have some research to do! 🙂

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Topic starter Posted : March 18, 2012 10:10 pm
ChanelCinq
(@ChanelCinq)
Advanced Member

rr: Make sure you read the small print. Many medical evacuation policies will transport you only to the nearest facility which provides the service. That is frequently Puerto Rico.

You go on down there, sallyf...

There are plenty of good hospitals in Puerto Rico. Have you been to a hospital in Puerto Rico and if so where? I want to see what you are basing yours posts on.

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Posted : March 20, 2012 11:12 pm
blu4u
(@blu4u)
Trusted Member

When some folks think medical evac coverage, they assume a flight to the states. Medical care in SJ is often a step above the VI. But spanish is the language of choice and that's often challenging.

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Posted : March 21, 2012 12:22 am
East Ender
(@east-ender)
Expert

Basing my opinion on reviews from people who have had to go there.

The OP wanted to get travel insurance that would take him/her to the states. Many policies allow only to the closest facility offering that service. That was my point. 😉

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Posted : March 21, 2012 1:14 am
ChanelCinq
(@ChanelCinq)
Advanced Member

When some folks think medical evac coverage, they assume a flight to the states. Medical care in SJ is often a step above the VI. But spanish is the language of choice and that's often challenging.

I am going to nursing school here and I don't speak Spanish AT ALL. All the doctors speak English. Not all the nurses do but I am always paired with an English speaking nurse. It is never hard for my professor to find one.

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Posted : March 21, 2012 3:51 am
East Ender
(@east-ender)
Expert

Chanel: Your experience may be different from that of patients from the Virgin Islands. I know of people who could not communicate with staff and no attempt was made to get someone who could communicate with them. I have seen discharge reports/recommendations written entirely in Spanish, although the person was returning to the VI.

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Posted : March 21, 2012 12:26 pm
ChanelCinq
(@ChanelCinq)
Advanced Member

Chanel: Your experience may be different from that of patients from the Virgin Islands. I know of people who could not communicate with staff and no attempt was made to get someone who could communicate with them. I have seen discharge reports/recommendations written entirely in Spanish, although the person was returning to the VI.

Yeah it does depend on the hospital. Since there is no NICU on STT or STX a lot of pregnant patients with complications end up here. But instead of being in San Juan they are in Caguas or other suburbs. Caguas is at least 20 miles from San Juan. There would be less English spoken there.

Then I live on the beach which is Gringo territory and I am about a mile from Ashford Presbyterian Hospital. You don't even have to speak Spanish to work there. Some of my non Spanish speaking classmates got a job there.

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Posted : March 21, 2012 12:33 pm
nenn01
(@nenn01)
Advanced Member

I have been on Stx since November and have used Seven Corners. I just filed my first claim after seeking medical attention for an ear infection. I'll let you know how helpful they are.

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Posted : March 26, 2012 1:27 pm
East Ender
(@east-ender)
Expert

There is a NICU at SRMC.

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Posted : March 26, 2012 8:44 pm
ChanelCinq
(@ChanelCinq)
Advanced Member

There is a NICU at SRMC.

You are right. That is very good to know.

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Posted : March 27, 2012 10:27 pm
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