Ok, not sure where I should have put this one - here or under hearing issues, but I'm sure the forum gods will guide me in the right direction!
I know a few of us have spoken about the extended warranty/insurance policy offered by Cochlear after the initial one year warranty runs out. My audiologist had suggested having it covered under my homeowners policy instead of the Cochlear policy because he said their policy is expensive and doesn't really cover very much. I honestly don't remember what the details of the policy were because it was a year ago, but I remember thinking the homeowners thing was a good idea.
Anyway, I called to ask about adding my BAHA onto my policy. My particular insurance company (Travelers) was not able to add it on as a rider, but they were able to issue a separate policy that covers the processor for loss/damage up to $5000 for $146 a year. I haven't gotten the paperwork and the policy in the mail yet, so I'm not sure of any deductibles or fine print, but I know that $146 was less than what Cochlear was charging. I'll let you know the details if anyone is interested as soon as I get the papers in the mail. Even with a pretty high deductible, it would sure beat buying a new processor!
If, for some reason, your homeowners/renters policy doesn't cover the BAHA, the underwriter I spoke to said there was another insurance company that would cover it called Esco ( 800-992-3726). I don't know anything about this company, but thought it might come in handy to someone, so I figured I'd pass it along.
Lori
