Originally Posted by hohenwald48
In the international medical and medical evacuation world $50K is chump change. Plus, you usually have to pay upfront and get reimbursed for service outside the US. But it's your money, do as you wish.
I assume you realize that the emergency travel benefit that comes standard with FMCA membership doesn't include ANY
health insurance benefit. If I get ill in Canada and need to be an a hospital that $50k benefit I wrote about is going to pay towards my costs; FMCA sure won't.
What FMCA does include is medical evacuation if the medical facilities you are being treated at are unable to provide an adequate level of care. Approval for evacuation requires approval by the insurance company. Furthermore, all other benefits are contingent on approval of medical evacuation, so don't count on your MH being driven home unless you are transported first.
Furthermore, if you are evacuated there is no guarantee that you will be taken home. All that is required is that you be taken to the nearest facility that can provide an appropriate level of care.
If you want to read the fine print about this benefit, you can do so here: https://www.fmca.com/benefits/fmcassist.html
If you were to be taken ill while traveling in Canada as far as I can tell there would be no reason to evacuate you unless you were in a rural area where proper treatment is not available.
Ever since FMCA restored this benefit, quite a few members have acted as if they were going to receive the same benefits offered by MASA and SkyMed for a lot more money. I guess everyone's entitled to be naive, but do you really think that a fringe benefit on a ~$50/yr membership is going to be the same as a plan for which a couple would pay ~$500-700/yr?