Is this pre-existing policy quote adequet?

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#1
Australia
11,480 Posts
Joined Sep 2006
My 69 yo husband had a heart attack 7 years ago and had a stent implant. He is stable and has no angina. We are about to go on a 35 day cruise from Sydney to Hawaii, Tahiti and South Pacific Islands.
I have heard it can cost around $ 10,000 per day in a US hospital and that expatriation costs to Australia could be as much as $350,000.
A company here will cover the CAD and Stent, but have imposed a $1000 excess per event (eg heart attack) and a cumulative limit on the policy of just $50,000. I doubt this would even cover a medivac from the ship.

Has anyone or their travelling partner experienced a heart attack on a cruise and could shed some light on the costs involved. I'd appreciate any help in this area.
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Anna

Completed Cruises:
2016 Emerald Princess: Tasmania
2016 Emerald Princess: New Zealand
2016 Sun Princess: Fiji
2016 Sun Princess: Queensland Coastal
2015 Pacific Princess: Alaskan Cruisetour
2015 Pacific Princess: Pacific Coastal
2015 Pacific Princess: Panama Transit

2014 Emerald Princess:Mediterranean Medley
2014 Emerald Princess: Baltic Heritage

2013 Diamond Princess: Sydney - Beijing
2012 Diamond Princess: Bangkok - Sydney
2012 Dawn Princess: Hawaii & Tahiti
2011 Star Princess: South America
2011 Star Princess: S.America-E.Caribbean
2010 Sun Princess: SE Asia
2009 Dawn Princess: Papua New Guinea
2008 Tahitian Princess: Tahiti
2008 Sun Princess: New Zealand
2006 Pacific Star: Vanuatu

19 cruises - 275 days at sea

Upcoming Cruises:


Golden Princess - Hawaii and Tahiti - August 2017
Regal Princess - Canada and New England (Historic America 1A) - October 2018
Royal Princess- Canada and Colonial America (Maple Explorer 2B)- October 2018




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#2
14,395 Posts
Joined Feb 2007
I don't think that policy is going to give you adequate coverage.

According to the Health Care Cost and Utilization Project, the average cost for the hospital charges for acute myocardial infarction was $18,200 in 2009. These charges don't include any doctor charges, etc.

I found another study done by the Iowa State Dept. of Health in 2007. It stated that the average hospitalization for Coronary Heart Disease was 3.4 days, and the average cost for this stay was $36,850.00.

To give you an idea of what one patient paid for one stent, here is bill from an actual patient:

In July had one stent inserted in LVCF and 7.5 hours to the minute I arrived in the ER, I walked out of the hospital on my own accord realizing I could not afford the bill.

Below is the itemized bill as received 3 days after I got home.

Card Cath: $23046.20 (0659h-0718h -- 19 minutes)
Cardiology: $ 2276.50 (doctors WERE awesome-saved my life)
EKG/ECG: $ 504.00
ER: $ 1318.00 (0630h-0659h -- 29 minutes)
Implants: $ 3715.80 (Metal Stent loc. LVCF)
IV Fluids: $ 172.00 (Former USAF PJ, sugar water 1 bag)
IV Therapy: $ 1.00 (IV machine usage maybe)
Lab: $ 2114.40 (blood drawn twice, ER and ICU)
MED/Surg Sup: $ 6746.70 (several items used)
Pharmacy: $ 4409.90 (2 nitro tabs in ER, 1 for nausea)
Pharmacy SELF:$ 238.85 (don't recall self-medicating)
Room: $ 3015.00 (ICU after cath lab, left at 1400h)
X-ray: $ 301.00 (used during cath lab procedure)
TOTAL: $47859.35
Uninsured Discount(self-pay): -$19143.74
Balance $28715.74


None of this takes into account evacuation back home.
#3
Australia
11,480 Posts
Joined Sep 2006
Thankyou so much so taking the time to reply so graphically as well. From my research, it appears that no insurance company here
will provide unlimited medical and hospital cover for pre-exisitng (heart disease)conditions on a travel insurance policy. It's even worse too if you are over 69 yrs. You just need to shop around for the best package (least excess, most cululative cover).

My husband had a heart attack and angiolasty (same procedure as described as above) in 2005. It didn't cost him a penny as it's considered an emergeny procedure in Australia. He was even afforded a medivac (Flying Doctor service) from Rockhampton to the Cardiac specialist hospital in Brisbane some 500 miles away unit. Too often we take our public hospital service for granted.
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Anna

Completed Cruises:
2016 Emerald Princess: Tasmania
2016 Emerald Princess: New Zealand
2016 Sun Princess: Fiji
2016 Sun Princess: Queensland Coastal
2015 Pacific Princess: Alaskan Cruisetour
2015 Pacific Princess: Pacific Coastal
2015 Pacific Princess: Panama Transit

2014 Emerald Princess:Mediterranean Medley
2014 Emerald Princess: Baltic Heritage

2013 Diamond Princess: Sydney - Beijing
2012 Diamond Princess: Bangkok - Sydney
2012 Dawn Princess: Hawaii & Tahiti
2011 Star Princess: South America
2011 Star Princess: S.America-E.Caribbean
2010 Sun Princess: SE Asia
2009 Dawn Princess: Papua New Guinea
2008 Tahitian Princess: Tahiti
2008 Sun Princess: New Zealand
2006 Pacific Star: Vanuatu

19 cruises - 275 days at sea

Upcoming Cruises:


Golden Princess - Hawaii and Tahiti - August 2017
Regal Princess - Canada and New England (Historic America 1A) - October 2018
Royal Princess- Canada and Colonial America (Maple Explorer 2B)- October 2018




EMAIL
#4
Washington
180 Posts
Joined Feb 2012
Originally posted by Kinkacruiser
My 69 yo husband had a heart attack 7 years ago and had a stent implant. He is stable and has no angina. We are about to go on a 35 day cruise from Sydney to Hawaii, Tahiti and South Pacific Islands.
I have heard it can cost around $ 10,000 per day in a US hospital and that expatriation costs to Australia could be as much as $350,000.
A company here will cover the CAD and Stent, but have imposed a $1000 excess per event (eg heart attack) and a cumulative limit on the policy of just $50,000. I doubt this would even cover a medivac from the ship.

Has anyone or their travelling partner experienced a heart attack on a cruise and could shed some light on the costs involved. I'd appreciate any help in this area.
That is not sufficient medical coverage for your trip. If you are within 30 days of your initial deposit, and if this will cover Australian residents (I'm not sure--you'll need to contact http://www.tripinsurancestore.com/) this would probably work for you: http://www.tripinsurancestore.com/travelexmax.shtml
#5
3,656 Posts
Joined Jan 2000
Originally posted by mellerswa
That is not sufficient medical coverage for your trip. If you are within 30 days of your initial deposit, and if this will cover Australian residents (I'm not sure--you'll need to contact http://www.tripinsurancestore.com/) this would probably work for you: http://www.tripinsurancestore.com/travelexmax.shtml
Travelex is US and Canada only