Learned of lost Guardian, replacement insurance concerns
A mom that I know through the CWD mail list, has a 8 year old daughter on the Guardian RT. Unfortunately, a few days ago, they lost the monitor. The last place they remember seeing it was in Walmart. I can see how this could happen. The monitor has a belt clip, but it is not tethered like a pump. So it can go anywhere!! I have everyone I know praying to St. Anthony. I guess that is suppose to do the trick.
As soon as I heard this I called our home owners insurance agent about coverage for Tommy's pump and new Guardian RT. He gave me a quote on a rider after he called headquarters. They came up with $213 annually to cover the pump and the Guardian RT if it is lost or stolen. I guess it was a cheaper rate because I am not asking our home owners to cover it if it is damaged, only if it is lost or stolen. (Medtronic says that both devices will be covered by Medtronic if damaged. Yes, even accidental swimming, dropped in toilet, ran over with bike, these are all covered. I asked.)
Our home owners agent suggested that I contact our health insurance first before getting the rider. I checked this afternoon and found out that our health insurance will cover, up to 1 per year, a replacement pump if lost or stolen. Great news. I'm not sure if it would be at 80% or not. So now I will just need to find out how much it will cost to insure the Guardian RT if lost or stolen.
I am also working on labeling all Tommy's equipment. He has 2 meters, a pump, and a Guardian RT that should all be labeled. I'm going to try somehow to fit a sticker on these things that says: Diabetic equipment for a child/Call immediately if found/###-###-####. Hopefully that will deter anybody who might otherwise think that it is something cool to steal.