03-22-2016, 06:28 AM
Does your insurance cover you in Jamaica?
Having travel insurance seems to get more important every year for us. However....you need to be aware that before they will treat you in a private hospital in Jamaica (such as Hospiten) you must pay up front. Costs could run anywhere between $10,000US and $30,000US - compared to what that would cost in the US is a drop in the bucket but its still a lot of money to part with up front as the private hospitals there will NOT bill insurance. So along with the travel insurance one must travel prepared to pay such an expense perhaps with a loaded credit card.
Then you must dance and dance HARD to recoup your money from the insurance you paid for. The process can take months and read the fine print. Travel insurance companies do not have to comply with ACA so they have several clauses precluding coverage for "pre-existing conditions".
Having travel insurance seems to get more important every year for us. However....you need to be aware that before they will treat you in a private hospital in Jamaica (such as Hospiten) you must pay up front. Costs could run anywhere between $10,000US and $30,000US - compared to what that would cost in the US is a drop in the bucket but its still a lot of money to part with up front as the private hospitals there will NOT bill insurance. So along with the travel insurance one must travel prepared to pay such an expense perhaps with a loaded credit card.
Then you must dance and dance HARD to recoup your money from the insurance you paid for. The process can take months and read the fine print. Travel insurance companies do not have to comply with ACA so they have several clauses precluding coverage for "pre-existing conditions".
"Once in a while you can get shown the light in the strangest of places if you look at it right..."
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