More Medipac Problems
This past winter we were in Florida and had Medipac Travel Insurance "coverage". I contracted a chest/throat infection and after contacting Medipac for approval went to the local Estero Emergency Medi...
Forum Discussion
CardinalRule wrote:
This insurance does not cover, provide services or pay
claims resulting directly or indirectly from:
14. Any expenses incurred after the date on which
the Insured has declined an offer of repatriation or
medically approved emergency evacuation.
Yes, but why did they order to repatriate him, in the first place? The emergency was over and no further treatment was prescribed. It wasn't like the client refused a treatment that he "could've" received if he "would've" gone back to Canada. How the repatriation in this case helps preventing any diseases resulting from that emergency?
CardinalRule wrote:
Note it says ANY expenses not just expenses related to the medical emergency.
Trip insurance don't normally cover any expenses but emergency-related anyway.
The question is still the same: How continuing the trip after a treated emergency would cause any emergency-related expenses, other than ANOTHER AND UNRELATED emergency, ex. broken finger or appendix or whatever. Medipac chose not to cover any further emergencies after the first one, i.e. cancelled the coverage, and put a clause in the contract that allowed to do so.
Note that, per Medipac, repatriation doesn't even have to be "medically approved", it's just something that they might at some time order for reasons other than medical. Financial reasons, for example - they don't feel like paying for more than one emergency per trip, so they order repatriation.
Yes, insurance sucks.
