Answer from Insurance Provider. It depends on your insurance company and your specific health plan.
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A hot tub may be covered by your insurance company if your doctor has prescribed spa hydrotherapy as treatment for a specific medical condition.
Will insurance cover a hot tub. We are pleased to offer insurance for hot tubs jacuzzi and spas under the household buildings section of a home insurance policy subject to the following- A maximum value of 15000 A rate of 1 of the sum insured with a minimum premium of 25 plus insurance tax. It has to be a specially constructed one-person medical hot tub. Other structures mean structures not physically attached to the main house structure and are covered by the same catastrophes as the main structure but at a different coverage limit.
With that said some health insurance policies are very specific in excluding hot tub coverage from their policies. Other Structures in some insurance policies. Answered on November 14 2013.
The answer depends on a few things. Generally an insurance company will not pay for a hot tub A hot tub must be for primarily therapeutic purposes to be paid for by insurance The insurance company will ask for proof to verify your hot tub is therapeutic and not for leisure Sometimes it can be surprising what your health insurance will cover. The fact that the hot tub is hard wired into the homes service panel makes it coverage B other structures.
Your policy may include covered perils for your hot tub and limited liability insurance but you will likely need extra coverage. They might not cover physical damage — such as pipes that cracked because water froze inside them — unless you have a specific addition to your policy to cover it. And BMR Insurance Agency can help with that.
Consequently the mechanical failure is excluded but the damage to the hot tub pipes plumbing etc itself would be covered. So give us a call on 714 838-1911 or click here to send us an email. That being said most insurance companies will only cover your hot tub under the liability side of your policy protecting you in the event that a guest is injured while using it.
Different Ways Insurance Handles Hot Tubs A hot tub may be covered by Coverage B. If your doctor has prescribed you with a hot tub to help treat a legitimate medical condition your health insurance policy might pay the price for a new one. If the hot tub is connected to your home this would fall in as part of your dwelling coverage.
But the best thing you can do is make sure that your insurance coverage is up to date and has you fully covered. This could even prevent any stray pets or wild animals from falling in the hot tub. If a hot tub or swim spa is prescribed by your physician to reduce back pain hip knee joint arthritis pain or to promote better circulation a hot tub or swim spa may be covered by your medical insurance policy.
What happened with the hot tub is mechanical failure which then led to the freezing that caused the damage. Yes you can purchase a hot tub through your health insurance provider. Hot Tub Hot tubs are subject to exclusions and limitations similar to pools.
Check with your medical insurance plan for eligibility requirements. The freezing of the hot tub is a resulting loss to the mechanical failure. Plus if insurance doesnt cover the hot tub it could be tax-deductible as a medical expense.
Durable medical equipment is covered on many plans. It is separated from the house by a clear space and attached by only a fence. If you suffer from a condition that can be treated with the use of a hot tub be sure to take advantage of the programTalk with your provider today to see if you qualify for your hot tub purchase to be considered a medical expense.
There were approximately 104 million swimming pools and 73 million hot tubs in use in the United States in 2021 2. Purchasing a hot tub can often result in higher home insurance premiums. Your insurer will probably pay for a hot tub if you have a prescription from a specialist The hot tub cannot be the sort of tub that people use for recreation.
Homeowners insurance will cover a hot tub for the same perils of the policy as the rest of your property. The Bad News is the Hot Tub Is Not sometimes Unless youve explicitly added additional coverage for your hot tub any damages to it may not be covered by your regular policy. So the answer is.
Your health insurance company your specific health insurance policy and the treatment plan prescribed by your doctor. Home insurance policies may cover an in-ground pool automatically or they may require an additional endorsement to be added to the policy in order to cover the pool. Many of our customers ask if hot tubs and spas are covered by health insurance.
When filing your claim be sure to include all relevant medical documentation such as x-rays MRI results and other test results that support your doctors diagnosis. Yes structures like your conservatory garden wall fitted hot tubs and paving could be covered by your buildings insurance as they are technically classed as fixtures and fittings of your home. That will eliminate the sales tax.
If its not and you still really want and can afford that hot tub take the prescription with you when you buy it. Your health insurance policy may cover the purchase price of a new spa if hot tub therapy has been prescribed by your doctor to treat a legitimate medical condition. If the hot tub is free standing outside then this would fall under other structure coverage.
If your insurer denies your claim you can appeal or purchase the hot tub yourself and claim the tax deduction. Anything that can be moved about in your garden would typically fall under garden contents and as a result might be covered by garden insurance.
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