Insurance while flying training - travel, life. etc.
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american health insurance
I am off to florida in a couple of days to start my journey to a frozen atpl with eft.
Does anyone have any experience with american health insurance and can you make any specific recommendations?
Thanks
Does anyone have any experience with american health insurance and can you make any specific recommendations?
Thanks
Join Date: Feb 2004
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Have you tried Marcus Hearn Flysure. It is an annual policy that is for travel industry employees.[I don't know if you are employed in the industry but it might be worth calling them anyway] It costs £35 per year and is valid for any trips of up to 90 days duration. I don't know their number, but they are based in Shoreditch, East London.
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Do I need insurance?
I will be flying in florida with OFT in a few weeks if I get my visa sorted!!!! They offer yearly insurance for $175 but do I need to take it? I will be doing approx 3 - 4 hours flying before I take my skills test - however will not be doing any solo time!
Also, has anyone any ideas on how long it takes to get an M! visa?
Also, has anyone any ideas on how long it takes to get an M! visa?
Last edited by bearpaw; 30th Aug 2004 at 11:22.
Join Date: May 2002
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Life insurance - is it really this difficult??
Evening all!
I know this question has been asked before, and I have pursued those lines of enquiry before submitting this query, but with minor success.
I felt a new topic would be of use to many wannabes who may wish to do their training overseas, especially the US & Canada.
My problem is, that I am finding it very difficult to find a Life/Critical Illness policy to cover me for time spent away from the UK whilst undertaking flying training.
Most of those I have looked at, will only be valid if I spend at least 6 months in the UK. This is a problem since I intend to settle in the US/Canada for the 2 year duration of training & thus want to be covered if anything happened to me.
Of course, when you mention you will be doing some flying to companies, they run!
I have been pursuing this question for several days now, speaking to various companies & brokers. These have come up with the solution that whilst away for the initial two years, I could take out an amended travel insurance policy at around £700 per year!
To me, this appears quite steep, and I am sure there is another way. It has been done before, by you lot!!!
So now, I am turning to you for assistance please. Those people that have done it, or are currently doing it, please could you let me know where I can get such a policy please??!
Thanking you & wishing you all A Happy New Year!
SS.
I know this question has been asked before, and I have pursued those lines of enquiry before submitting this query, but with minor success.
I felt a new topic would be of use to many wannabes who may wish to do their training overseas, especially the US & Canada.
My problem is, that I am finding it very difficult to find a Life/Critical Illness policy to cover me for time spent away from the UK whilst undertaking flying training.
Most of those I have looked at, will only be valid if I spend at least 6 months in the UK. This is a problem since I intend to settle in the US/Canada for the 2 year duration of training & thus want to be covered if anything happened to me.
Of course, when you mention you will be doing some flying to companies, they run!
I have been pursuing this question for several days now, speaking to various companies & brokers. These have come up with the solution that whilst away for the initial two years, I could take out an amended travel insurance policy at around £700 per year!
To me, this appears quite steep, and I am sure there is another way. It has been done before, by you lot!!!
So now, I am turning to you for assistance please. Those people that have done it, or are currently doing it, please could you let me know where I can get such a policy please??!
Thanking you & wishing you all A Happy New Year!
SS.
Flies for fun
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I got all my life insurances BEFORE starting to fly. Mention flying and the £££££££££££££££££££ light up.
If you havent got a PPL don't mention the flying. It can be something you decided upon later. If you have got a PPL then tough! you should have got insured before!
Any help?
If you havent got a PPL don't mention the flying. It can be something you decided upon later. If you have got a PPL then tough! you should have got insured before!
Any help?
Join Date: Aug 2002
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Hi there, I have a life policy with Legal and General. It covers me for light aviation (unlimited hours and unlimited in terms of geography) and for flying professionally. It isn't that much more expensive than a standard life policy. I used a broker in the UK (Sovereign) and although they have now had a restructuring, their number should still be in the phone book and it might still work.
You could also try BALPA??
All the best,
Hufty.
You could also try BALPA??
All the best,
Hufty.
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Question
Dear All,
You must really excuse my ignorance here but I'm 27 and never had to contemplate any of this Insurance stuff. Christ don't even have a pension.
Just a quick question really, I'm about to start training in the US in the next few days. Is life insurance only really necessary if you have dependants or a mortgage or are there other reasons you may want to have it or need it?
Stephen
You must really excuse my ignorance here but I'm 27 and never had to contemplate any of this Insurance stuff. Christ don't even have a pension.
Just a quick question really, I'm about to start training in the US in the next few days. Is life insurance only really necessary if you have dependants or a mortgage or are there other reasons you may want to have it or need it?
Stephen
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As the term suggests, Life Insurance pays out if you lose your life. This can only benefit somebody you name to receive the payout. Can't do you any good whatsoever.
If you have somebody you want to help over difficult times when you're gone then it can be a good idea.
What is useful to you is a policy that gives you health and possibly liability insurance while you are abroad. As you've discovered it's very expensive when you want to stay abroad for longer than the short trip period allowed. Nobody is going to fly home for 24 hours just to make a policy valid. If you're prepared to do that then you can pay the silly rates the insurer demands for a year abroad.
If going away for two years the chances are good that a local insurer can provide a good policy suited to your needs. For instance, US insurers will usually give you a rebate on car insurance if you show them a letter from your car insurance company at home that you have been insured accident (claim) free for a certain number of years. Call them to find out the details.
While flying there is usually (there should be!) coverage extended by the school/rental company or whoever you are dealing with explicitly restricted to all things to do with aviation. You pay for it obviously but at least you don't have to do the negotiating with the insurer because the companies do it as a matter of course.
Hope this helps.
If you have somebody you want to help over difficult times when you're gone then it can be a good idea.
What is useful to you is a policy that gives you health and possibly liability insurance while you are abroad. As you've discovered it's very expensive when you want to stay abroad for longer than the short trip period allowed. Nobody is going to fly home for 24 hours just to make a policy valid. If you're prepared to do that then you can pay the silly rates the insurer demands for a year abroad.
If going away for two years the chances are good that a local insurer can provide a good policy suited to your needs. For instance, US insurers will usually give you a rebate on car insurance if you show them a letter from your car insurance company at home that you have been insured accident (claim) free for a certain number of years. Call them to find out the details.
While flying there is usually (there should be!) coverage extended by the school/rental company or whoever you are dealing with explicitly restricted to all things to do with aviation. You pay for it obviously but at least you don't have to do the negotiating with the insurer because the companies do it as a matter of course.
Hope this helps.
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Don't know if it's quite what you're after, but BALPA Financial Services can sort you out with a policy that covers you if you lose your medical- give them a ring and ask to talk to someone about 'loss of training fees insurance'.
If you've already started training, it will only cover you for up to 75% of your course fees, but if you haven't yet started, I think you can get cover for 100% of your course fees.
Anyway, if you are going to be spending 2 years in the US- why don't you look at getting a US life insurance company to cover you? Surely ALPA (Airline Pilots of America) will have some contacts you can use.
If you've already started training, it will only cover you for up to 75% of your course fees, but if you haven't yet started, I think you can get cover for 100% of your course fees.
Anyway, if you are going to be spending 2 years in the US- why don't you look at getting a US life insurance company to cover you? Surely ALPA (Airline Pilots of America) will have some contacts you can use.
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My Story So Far - & Insurance Issues
Dear All,
Some of you may have noticed my name crop up starting threads in this forum over the past 5 months. Essentially here is whats happened so far:
Back in August I decided that I was seriously going to look at a flying career, I subsequently did a search on here and started a thread asking for the definitive flight school either here or abroad.
From doing serious research on here and contacting various people I though may help me via personal messages I discovered an intership program with a flight school in Oxford/LA. I visited them back in September and was offered a place subject to attaining a Class 1 medical from the CAA.
Over the following months I continued to seach and post messages relating to my rapidly growing flying career, the subjects varying from types of equipment required to what not to do on a visit to the US embassy in London to get your visa.
I'm now at the stage where I fly to the US on Wednesday afternoon to start what I first imagined doing when I was 5 and what I thought wasn't a possiblity a mere 12 months ago.
I would be very grateful if anyone could offer some additional advice as to going to the US for an extened period.
At the moment I don't have any insurance at all but will be covered under my flying schools policy for two types of insurance in the aircraft, the first covers the aircraft and any liability as a consequence of gravity overcoming aerodynamics, or general stupidity. The second covers me for the deductable.
However I would be interested to know what anyone who has been in a similar position to me (UK citizen) has done with respect to medical and dental, personal liabilty, cancellation due to serious illness, and any other policy that anyone may feel pertinent to me on what is essentially an ab-initio course.
I understand that Traffords, BALPA and HSBC as good places to start.
Stephen
Some of you may have noticed my name crop up starting threads in this forum over the past 5 months. Essentially here is whats happened so far:
Back in August I decided that I was seriously going to look at a flying career, I subsequently did a search on here and started a thread asking for the definitive flight school either here or abroad.
From doing serious research on here and contacting various people I though may help me via personal messages I discovered an intership program with a flight school in Oxford/LA. I visited them back in September and was offered a place subject to attaining a Class 1 medical from the CAA.
Over the following months I continued to seach and post messages relating to my rapidly growing flying career, the subjects varying from types of equipment required to what not to do on a visit to the US embassy in London to get your visa.
I'm now at the stage where I fly to the US on Wednesday afternoon to start what I first imagined doing when I was 5 and what I thought wasn't a possiblity a mere 12 months ago.
I would be very grateful if anyone could offer some additional advice as to going to the US for an extened period.
At the moment I don't have any insurance at all but will be covered under my flying schools policy for two types of insurance in the aircraft, the first covers the aircraft and any liability as a consequence of gravity overcoming aerodynamics, or general stupidity. The second covers me for the deductable.
However I would be interested to know what anyone who has been in a similar position to me (UK citizen) has done with respect to medical and dental, personal liabilty, cancellation due to serious illness, and any other policy that anyone may feel pertinent to me on what is essentially an ab-initio course.
I understand that Traffords, BALPA and HSBC as good places to start.
Stephen
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good post, i'm in a similar position, noone ever seems to know anything about insurance though. Which is shocking considering people are investing huge sums of money. If you find out anything away from pprune let me know, cheers
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Most FTO's have an excess which you have topay if you bend the aeroplane. I think you can pay an excess waiver on top of the hourly rate to get yourselfout of the excess, which can be upto $5,000.
Also you MUST tell your travel insurance company thet you will be flight training, as they consider it a bigger risk i.e.you have topay a bigger premium when you go ski-ing abroad etc.
Even if you have a dental problem and your insurance company finds out that you are flight training and you have not bought the appropriate policy, your insurance will be null and void!!
Trafford's do a "flying training insurance" which covers everything, there are excesses added to each claim as with all policies. Can't remember their email addy, try a search under google.
Good luck
Got http://www.traffordsinsurance.co.uk the web address, open the web page then click on "aviation" then click on "travel".
Also you MUST tell your travel insurance company thet you will be flight training, as they consider it a bigger risk i.e.you have topay a bigger premium when you go ski-ing abroad etc.
Even if you have a dental problem and your insurance company finds out that you are flight training and you have not bought the appropriate policy, your insurance will be null and void!!
Trafford's do a "flying training insurance" which covers everything, there are excesses added to each claim as with all policies. Can't remember their email addy, try a search under google.
Good luck
Got http://www.traffordsinsurance.co.uk the web address, open the web page then click on "aviation" then click on "travel".
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Try http://www.traffordsinsurance.co.uk/ then click on "aviation" then "travel"
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trafford
Trouble with traffords insurance is that in the small print it only covers you for 30 days at a time (may be 60 or 90) and to top up it is not cheap I was insured with them but now cashed it in as they would not payout should you not be able to prove you have only been out for a small number of days.
I am no expert but think that an annual policy should cover you for a year.
I am talking of the combined life and medical cover policy they offer.
Happy Landings
Flydaddy
I am no expert but think that an annual policy should cover you for a year.
I am talking of the combined life and medical cover policy they offer.
Happy Landings
Flydaddy
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Get medical insurance.
My mother had an auto accident in California last year. 7 days in intensive/enhanced care, 3 weeks in a private room before hospital discharge to convalesce elsewhere.
Cost ....... $275,000 yes over a quarter of a million dollars. Covered by an 80 quid travel policy from M+S. I know your requirements and circumstances will be different but don't not get it.
Oggin
My mother had an auto accident in California last year. 7 days in intensive/enhanced care, 3 weeks in a private room before hospital discharge to convalesce elsewhere.
Cost ....... $275,000 yes over a quarter of a million dollars. Covered by an 80 quid travel policy from M+S. I know your requirements and circumstances will be different but don't not get it.
Oggin
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Question is, will a standard policy available form Trailfinders or somewhere similar for . . . e.g. round the world trips cover me in for the duration of my pilot training in the US?
Will they look at my visa, see its an M-1 (Student) and make the policy null and void or will I have to use Traffords, fromr what I understand it seems to be a bit of a pain in the arse policy with respect to renewal and cost.
Will they look at my visa, see its an M-1 (Student) and make the policy null and void or will I have to use Traffords, fromr what I understand it seems to be a bit of a pain in the arse policy with respect to renewal and cost.
Supercharged PPRuNer
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I wouldn’t rely on a standard travel insurance policy – you’ll find almost all of them have an exclusion clause along the lines of; “all claims arising from air travel, other than as a passenger in a scheduled or charter air transport service.” Which of course knocks out all private flying or training.
And I know it’s a cliché, but if you think a specialist policy is expensive, try having a claim. Medical bills in the U.S. can be crippling. What if you slip off the wing while refuelling & break an ankle? Or have an EFATO and end up in hospital?
Not quite as dramatic, but this one happened to me – a throat infection that gradually got worse, blocking my Eustachian tubes and leaving me completely unable to fly. I finally went to see a doctor, and a five-minute consultation plus some antibiotics and decongestants cost US$150 (Interestingly, that doctor had just bought a brand new Cessna 182 . . .)
The claim was handled by Traffords without any quibble or fuss, and I’m awfully glad I’d bought the policy.
And I know it’s a cliché, but if you think a specialist policy is expensive, try having a claim. Medical bills in the U.S. can be crippling. What if you slip off the wing while refuelling & break an ankle? Or have an EFATO and end up in hospital?
Not quite as dramatic, but this one happened to me – a throat infection that gradually got worse, blocking my Eustachian tubes and leaving me completely unable to fly. I finally went to see a doctor, and a five-minute consultation plus some antibiotics and decongestants cost US$150 (Interestingly, that doctor had just bought a brand new Cessna 182 . . .)
The claim was handled by Traffords without any quibble or fuss, and I’m awfully glad I’d bought the policy.