In February 2017 CTC Aviation changed our training location to New Zealand for operational reasons and if you're interested as to the reason why then check my Module Three Exams & New Zealand post. Despite the change I still chose to insure with the same company and actually saved £80 on the end premium too! The majority of the content in the post below has remained the same, with the exception of price and reference to the USA of course, and I will therefore leave it as is for information purposes.
As a Brit I certainly take our beloved NHS service for granted and I'm sure many fellow Brits reading this will do too. In fact, in my lifetime alone I've certainly had several G.P. visits, specialist visits and a few operations, one of which was an emergency by nature. Now if you multiply that by everyone ever entitled to the NHS and ask the question: How much did it cost? Then your answer is obviously Free, Zilch, Nada, Nil. -- Hooray for the NHS!
If you were to hop over the pond, however, you'd quickly see that citizens of the United States aren't as fortunate in this regard and thus it is necessary for trainees to insure their health. Cadets travelling to New Zealand are not exempt from health insurance but as a U.S. aligned cadet it would only be appropriate for me to comment on cover for the United States. If you have an enquiry about cover for New Zealand then I'd advise you contact a specialist insurer, such as the one mentioned below.
In truth, no. Why, I hear you ask? Well, quite simply the whole concept of health insurance is so alien to me that I'd much rather leave the finding of policies down to the experts - the insurance broker. Yes.. yes.. I appreciate that there is stigma around insurance companies in the sense that they're always out to con you, but on this occasion my preferred insurer have been nothing but brilliant.
During our conversation the broker even highlighted that most generic policies won't include cover for the purposes of flight training. So, having worked in the insurance industry before i can't stress enough to you how important reading the policy documents is! The last thing you want is to have an aviation related injury for your insurer to then say: "Sorry.. it's in the small print", especially when something such as an X-Ray in the U.S. could cost in excess of $500 alone!
The insurance policy cost £312.08 for eight months of cover. Unlike the loss of training expenses and life insurance policies, this one had to be paid in full which is certainly something to bare in mind when budgeting your costs. This was inclusive of insurance taxes and even provided the £6,000 personal effects cover as mentioned below.
The insurance policy provided covers me for the below bullet points. Monetary values are correct at the time of this post and will vary with time.
*Pay out amounts for Personal Accident Cover are supplementary to other insurance policies. Thus death would be covered by both your Life Insurance and Travel Insurance policies, with the loss of your eyesight or limb etc being covered by your loss of training expenses (medical) insurance.
Yes, you may not undertake winter sports although this can added if you so wish for an additional premium.
The excess are quite reasonable as follows and are per claim: