Insurance Policies

[delle]

Reading this:

In 2006 I watched a ez-up-canopy tent fly 50 feet into the air like a tornado grabbed it and come crashing down into a girls chest. She got a free helicopter ride- to Reno ER.

That helicopter ride was not free. I hope she had insurance. One reason to consider buying travel insurance for this trip.

...I started to wonder about insurance. On reading my policy last year I got the sinking feeling that anything that happened during Burning Man could easily be contested as "extreme" and "dangerous" activity, which would then not be covered.

Thankfully, I did not have to find out what the answer was.

Knowing that there are eplayans who have discovered the limitations or generosity of their policies, I thought I'd ask for insight and suggestion here. Has anyone heard of evacuations or treatments being denied by their insurance companies due to the nature of TTITD?

[ygmir]

Reading this:

In 2006 I watched a ez-up-canopy tent fly 50 feet into the air like a tornado grabbed it and come crashing down into a girls chest. She got a free helicopter ride- to Reno ER.

That helicopter ride was not free. I hope she had insurance. One reason to consider buying travel insurance for this trip.

...I started to wonder about insurance. On reading my policy last year I got the sinking feeling that anything that happened during Burning Man could easily be contested as "extreme" and "dangerous" activity, which would then not be covered.

Thankfully, I did not have to find out what the answer was.

Knowing that there are eplayans who have discovered the limitations or generosity of their policies, I thought I'd ask for insight and suggestion here. Has anyone heard of evacuations or treatments being denied by their insurance companies due to the nature of TTITD?

*looks at ankles*

[delle]

Thankfully, I did not have to find out what the answer was. (Tho I may have caused others to...)

*looks at ankles*

ok. edited to reflect reality.

[some seeing eye]

There are some liability insurance policies specialized for BM, good for theme camps.

There are overseas medical evacuation policies for individuals which have covered me, but I have never used, traveling in risky spots. Given the small number of evacuees, seems like someone could offer such a policy.

Different companies are different to the degree they litigate or contest the fine print.

But no personal info on exercising evacuation coverage.

[theCryptofishist]

Thank goodness that I had federal employee healthcare insurance in Austria. My father paid for the medical evacuation which consisted of flying two nurses/paramedics to Austria (okay Muenchen and I'm not sure how they got to Innsbruck) from Ontario, me and my nurse/paramedics to San Francisco, where I went into an ambulance to Walnut Creek, and then from San Francisco to Ontario. And I know there was hotel rooms in Innsbruck, and I think in San Francisco. Which is something to think about.
So, depending on circumstances things can get expensive.

On the other hand, as those damn ads say: Priceless. (I like the Julian Assange one best...)
When the helicopters went to REMSA it was in the neighborhood of 20 to 30 thousand.

[gyre]

Is it medical?

I added trip insurance to my flight with a medical rider.
Since it was stated value, I added medical to a low value trip amount.
Total cost $15.

Separate it would be more expensive.

[BoyScoutGirl]

I'm also interested in hearing about insurance policy coverage for rented vehicles. I'm renting as a business from Budget, so I know I have to get a minimum amount of insurance, but I'll definitely want insurance against the things the playa wind will almost certainly be throwing at the vehicle this year.

[trilobyte]

You may end up being screwed in the event of mishap through Budget. Renting as a business is a great way to score a cheap rate if nobody's checking your paperwork, but should something happen you can damned well be sure that your willfull misrepresentation is enough of a loophole that they'd be off the hook on paying out. To be certain you'd probably either want to consult with a lawyer (which would probably cost you more than you'd save by claiming to be a business) or ask the rental agency (which clues them in on your scam).

[gyre]

It isn't hard to legally qualify as a business.

You can insure with your own policy.

Most people have no incidents other than dust.

[Token]

For the REMSA Care Flight, $55 has you covered.

Let me google that for you.

http://www.care-flight.com/flightplan.html

Now this is just the flight and EMS service, not medical insurance.

[theCryptofishist]

That's right, I'd forgotten about that.

[maryanimal]

I have no health insurance of any kind, so it looks like I'm ineligible for the helicopter services...*sighs* I guess overall I'm SOL.