Have you ever watched some young moron get him/herself stuck on a Mountain somewhere, and then looked on as the local city and state government moved Heaven and earth to rescue them from their own stupidity? I’m not talking about a
The human part of me (the angel over my right shoulder) hopes for their eventual rescue, of course, but the small devil over my left is always shouting, “Leave the fools alone! Don’t spend MY tax dollars hauling their stupid butts out of that cave.”
Let’s scale this down a bit and put it into a perspective that all of us can actually relate to on a personal level. Suppose you’re taking a trip to the
I’m not here to sell insurance, but I am suggesting that you take a close look at your plan. In some cases, some HMO companies won’t cover you out of your network; so even if you were to get yourself to the bottom of the mountain, you wouldn’t be covered in a hospital unless you flew home! My friend Markley (husband to a wonderful wife and father to three children) recently broke his leg skiing on the family vacation. While I happen to know that Markley has excellent health coverage, I also know that after he left the E.R. in
Medical evacuation is typically not covered under basic corporate health plans. The cost can be extremely high (over $100,000 in some recorded cases). Some states pay for it, but others don’t and even more governments “judge the situation” before opting to pay for the evacuation. Fortunately, there are some reasonably priced plans out there that will cover you for the duration of your trip in case you needed medical evacuation, emergency services, etc. There are plans that will cover your trip expenses in the event you had to cancel your trip at the last minute due to a family or medical emergency. So take a good hard look at your current policy before you take the family trekking across a glacier, deep sea fishing, reef snorkeling, mountain biking, etc. Make sure you’re comfortable with your situation.
My wife and I went glacier kayaking in
EXTRA: If you have questions for Ken regarding business travel, hotels, airplanes, etc, please send an email! Your questions will be recorded and Ken will answer the best ones in his Ask the Expert podcast show.