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Old 10-03-2017, 04:39 PM   #1
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FMCA Assist vs Sky Med

Has any one compared Sky Med to FMCA Assist regarding benefits and specifically Canadian travelers ?
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Old 12-08-2017, 03:30 PM   #2
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I know this is an old post but SkyMed will take you to your home city. FMCA takes you to the nearest approved facility.
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Old 01-18-2018, 10:28 AM   #3
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FMCA Assist vs Sky Med

I have both and I plan to keep both. If you read the fine print you will see that although they look similar on the surface, there is really a big difference between the two. I read the fine print. You should too.
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Old 01-22-2018, 09:24 AM   #4
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From stories I have heard about Canadians with travel insurance struck with illness in the US, the first thing the insurer wants to do is get you back to Canada on their dime so they do not have to pay US rates when they can get you on your own Canadian health care if they can get you home. Assuming you are able to be medivaced back to Canada by your travel insurance, is there really a need for FMCA Assist or Sky Med?
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Old 01-22-2018, 06:18 PM   #5
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So are you saying that the insurers are willing to pay for air ambulances to get their customers back to Canada from, say - Arizona? That's at least a $60K US bill. Or are you saying that they are getting their customers back by commercial air after they have paid for several days in a US hospital with all the attendant additional charges and miscellaneous costs? If they are flying people back home commercial, then I would agree that that duplicates what FMCA, Good Sam, MASA, EA+ and all the other "assistance" plans do. However if they are willing to pay for the air ambulance, as soon as the patient can be stabilized for transport (in the air ambulance); then that would duplicate SkyMed.

When I read the fine print, e.g. Medipac's policy, they say that they cover "the cost of a one-way, economy class airfare to Your departure point in Canada; or (b) the cost of additional airline seats to accommodate a stretcher when recommended by the attending Physician." That is NOT an air ambulance!

So if you live in Edmonton and your departure point in Canada was Vancouver or Toronto, where do they take you? And where is it you need to go?
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Old 01-22-2018, 07:17 PM   #6
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As I said, I have this information second hand. I assume that you have your own travel insurance so it might be worth asking then. My understanding is they want to minimize their payouts - as do all insurance companies - so if the prognosis outlook indicates hospitalization with a price tag in excess of the transportation, then it would make business sense to them. My insurer wants you to call them before seeking treatment - if that is possible. The case I heard about involved evacuation via chartered jet. Sorry I cant help further.
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Old 01-22-2018, 08:52 PM   #7
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I understand, bobmac. I just haven't seen instances where an insurance company cut their costs by flying people back to their home provinces in a chartered jet. What I have seen is instances where they cut their costs by denying claims. I was surprised to see one company that in their fine print reserved the right to deny claims related to a change in a prescription drug dosage within 90 days of the start of a trip out of the province. In their mind the dosage change meant that the pre-existing condition was not stable when the person left the province, therefore it was not covered. I wonder: how would they know about the change in dosage if the insured person did not tell them about it? Do they actually go back and review medical histories after a claim has been submitted to find changes in medication dosages that they can use as the basis for denying claims? What if the dosage change was less because the condition was being cured? The fine print didn't cover that.
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