Does anyone have insurance in case something happens to your insulin pump (lost, falls in toilet etc). I called my home insurance company and they never had this question before. They asked for a bill of sale, but my pump was covered by the government (cost $6000-7000) Do you know if Medtronic will give a replacement if my pump was lost or damaged? I hope this never happens, but with two young kids, I am a busy mom and you never know. Any information on insurance for a pump would be helpful. Thanks in advance.
I got told when I got mine that in the case of the pump stopped working it was under the manufacturers warranty.
Ive had 2 pumps stop working (Cozmos) and both times Ive had them replaced. The second time I got my Medtronic instead..
I called my home owner's insurance and they said it would be covered under contents of my house. They don't offer riders on medical equipment in any case.
It depends on what insurance company you have, some will add a SPP or Scheduled Personal Property rider or a PAF. You would pay extra for the additional pump coverage
i have worked w/ Metronic for about 11 yrs now. naturally, i have had my problems with both supplies and my pump. in all my time, Metrontic has been there for me. i am currently on my 3rd pump (which i love: the Paradym with the Bolus Wizard). ive had 2 occations in which my pump kept malfunctioning. i called Metronic, and by the morning a brand new pump was waiting for me outside my door. not even 24 hours had past since my phone call. apparently, the pump is insured for about 3-4 yrs.so try not to worry.
ALSO: for whatever reason, (I am on Medicare for Disablity) when the time came for me to upgrade pumps, my insurance wouldnt cover it. Metronic, on my behalf, hooked me up with an outside insurance agency called LIBERTY; they picked up the cost of my new pump as well as continuing to pay for my pump supplies. i dont know why to this day, but i am very grateful.there is always hope. try not to project too far into the future about terrible circumstances. just be grateful for what you have in the moment.
All pump manufacturers will replace a pump overnight for breakdown but not for lost or stolen. I on purpose put a rider on my home (renters) insurance for my pump and my Continuous Glucose Meter as they are so expensive. It is like a rider for jewelry or any other small high value item that aren't covered under normal policies.
It is no more that $10-$20 to have a rider like that, well worth the investment.
Good luck and make sure you have a waterproof pump like the Animas or Omnipod as that would solve the water (toilet) problem.
As for hitting it in sports etc. I would think the manufacturer will step up and replace it especially with kids and young adults I know Animas will, the whole premise of a pump is to give these kids a "normal" life and sports hits do occur.
I have a separate policy for my pump on my homeowners policy. Cost me $65 a year in case I lose it or it gets stolen. Not sure how I"d let either of those incidents happen but I figured it was better then coming up with the full amount to replace it.
If you can get this with homeowners insurance do you think they could cover it on renter's insurance? Need to look into this with Geico.
Many many years ago, I lost my pump surfing (I forgot I had it on). My medical insurance replaced it HOWEVER I cannot remember if it was that they had never bought me a pump on that plan or if my current pump was out of warranty.
In either case the four or five insurance plans I have had over the years would replace my pump in either of those two cases - they never paid for a pump or they did buy me a pump and it was out of warranty).
If you switch insurance plans you can definitely get a new pump. If your company has open enrollment and offers different plans come the new year, that may be an option for you.
ALSO be sure to look at the durable medical benefit that is what all pump and supplies fall under. I have had durable medical coverage from 50% to 100% coverage so be sure to look closely. The 100% coverage on pump and supplies has been worth the extra money 10 times over! I am very lucky and am probably a minority. I have an Aetna Open Access Select plan.
Hmm...maybe pump manufacturers need to offer insurance on them for if its lost or stolen. I know with any of my pumps I've had (Medtronic first and now Omnipod) any sort of error I would get a new one rushed to me. My Omnipods meter and remote decided that the batteries weren't going to hold so they rushed me a new one.