Insurance Policies

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Insurance Policies

Postby delle » Sun Jul 29, 2012 8:22 am

Reading this:

theCryptofishist wrote:
captain mcguiver wrote: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?
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Re: Insurance Policies

Postby ygmir » Sun Jul 29, 2012 8:28 am

delle wrote:Reading this:

theCryptofishist wrote:
captain mcguiver wrote: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?



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Re: Insurance Policies

Postby delle » Sun Jul 29, 2012 8:37 am

ygmir wrote:
delle wrote: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. :oops:
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Re: Insurance Policies

Postby some seeing eye » Sun Jul 29, 2012 9:18 am

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.
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Re: Insurance Policies

Postby theCryptofishist » Sun Jul 29, 2012 10:00 am

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.
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Re: Insurance Policies

Postby gyre » Sun Jul 29, 2012 2:59 pm

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.
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Re: Insurance Policies

Postby BoyScoutGirl » Sun Jul 29, 2012 3:15 pm

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.
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Re: Insurance Policies

Postby trilobyte » Sun Jul 29, 2012 3:56 pm

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).
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Re: Insurance Policies

Postby gyre » Sun Jul 29, 2012 4:00 pm

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.
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Re: Insurance Policies

Postby Token » Sun Jul 29, 2012 5:31 pm

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.
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Re: Insurance Policies

Postby theCryptofishist » Sun Jul 29, 2012 6:39 pm

That's right, I'd forgotten about that.
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Re: Insurance Policies

Postby maryanimal » Sun Jul 29, 2012 7:55 pm

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.
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