AAC rescue insurance alternatives?

As AAC's prices keep going up and their coverage seems to slowly go down, I was thinking about switching it up. I have heard of a few other rescue insurance companies out there but have not found tons of reviews or gotten to talk to anyone who has actually used their coverage. Does anyone have any experiences, positive or negative, with other companies providing a smilier service? 

Note: the AAC Rescue insurance is not rescue insurance but medical transportation insurance. $7500 is not going to go far if a bird is used. Especially if a third party service.

https://americanalpineclub.org/rescue

• The AAC Member cannot be transported in a manner that enhances AAC Member’s survival and/or wellbeing;

WTF?? Am I reading that correctly? I thought the purpose was to enhance one's survival?

As for alternatives: https://dan.org/membership-insurance/membership/

https://dan.org/dan-membership-benefit-comparison/

Much higher limits. But one must call DAN to arrange transportation.

Allen Sanderson wrote:

Note: the AAC Rescue insurance is not rescue insurance but medical transportation insurance. $7500 is not going to go far if a bird is used. Especially if a third party service.

https://americanalpineclub.org/rescue

• The AAC Member cannot be transported in a manner that enhances AAC Member’s survival and/or wellbeing;

WTF?? Am I reading that correctly? I thought the purpose was to enhance one's survival?

As for alternatives: https://dan.org/membership-insurance/membership/

https://dan.org/dan-membership-benefit-comparison/

Much higher limits. But one must call DAN to arrange transportation.

Does DAN cover anything other than diving accidents? That could be problematic

Allen Sanderson wrote:

Note: the AAC Rescue insurance is not rescue insurance but medical transportation insurance. $7500 is not going to go far if a bird is used. Especially if a third party service.

https://americanalpineclub.org/rescue

• The AAC Member cannot be transported in a manner that enhances AAC Member’s survival and/or wellbeing;

WTF?? Am I reading that correctly? 

No, you're not reading it correctly. Go read the entirety of that FAQ item.

Nick Niebuhr wrote:

Does DAN cover anything other than diving accidents? That could be problematic

It covers most anything ... and why I posted it. There are examples of non-diving incidents being covered.

Allen Sanderson wrote:

 But one must call DAN to arrange transportation.

Thats one of the biggest problems I have with some of these insurance models. I feel like I extremely rarely have service while climbing, and the places I do are so close to the car I would just self evacuate. 

It seems like just ponying up to the $250 AAC tier for $300k in coverage might be the move. 

Here are some possible alternatives:

• https://medjetassist.com/
• https://www.globalrescue.com/
• https://my-geos.com/

GEOS is the company that handles SOS messages from Garmin InReach devices. They also offer emergency rescue insurance. Garmin bought them outright a year or two ago.

Technically, what these companies offer are "membership plans". They don't call them "insurance". That's because they aren't licensed insurance companies. Caveat emptor.

Allen Sanderson wrote:

Note: the AAC Rescue insurance is not rescue insurance but medical transportation insurance. $7500 is not going to go far if a bird is used. Especially if a third party service.

https://americanalpineclub.org/rescue

• The AAC Member cannot be transported in a manner that enhances AAC Member’s survival and/or wellbeing;

WTF?? Am I reading that correctly? I thought the purpose was to enhance one's survival?

As for alternatives: https://dan.org/membership-insurance/membership/

https://dan.org/dan-membership-benefit-comparison/

Much higher limits. But one must call DAN to arrange transportation.

I think you're supposed to read it as: 

Redpoint shall not be under any obligation to provide transport services or incur any expenses to or from an AAC Member if, in Redpoint’s sole discretion... 

• The AAC Member cannot be transported in a manner that enhances AAC Member’s survival and/or wellbeing;

Meaning they aren't obligated to provide transport if it doesn't enhance your likelihood of survival.