Vail Opens 12NOV2021
- Reaction score
- Vail, Colorado
- # of dives
- I just don't log dives
If your primary insurance doesn't cover you everywhere you go or has an exclusion for common recreational scuba diving you have crappy insurance.
I do travel with 2-3 high limit credit cards that offer me about $40K-$60K ...
Dandy - crappy insurance? He may be old - like many on SB, but he seems to come well prepared.
I suspect that Dandy has Medicare and a gap policy - most 65+ folks do. Perhaps you are not acquainted with the limitations of these policies?
Traditional or an Advantage plan - substandard? In many respects yes, but overall the combination is adequate. Finding a primary care doc who accepts M, especially new patients, can be challenging. If the providers you choose accept M, life is good.
Medicare offers scant coverage for international travel - likely why Dandy has a travel insurance policy in addition to DAN coverage. The gap policy - some coverage in most instances.
Medigap & travel | Medicare
Medicare + GAP + International travel? If you need medical care you had better have cash access and a policy with international coverage for later reimbursement.
You will likely need cash for international care even if you have international coverage thru you primary insurance. And the documentation for such a claim - maybe not up to your insurance company’s expectations - reimbursement may be a long time coming.
Your high limit is $60k for out-of-country emergencies? Maybe not as high a limit as you think in light of treatment and evacuation costs. If you need more or you card(s) are declined - what then?
DAN in most diving destinations? You are likely to be treated without cash on the barrel-head.
Me? DAN coverage is a great value and often accepted with no out-of-pocket costs in dive destinations. Wouldn’t dive without it.