Inclement Weather Spikes Need for Cosmetic Surgery Insurance

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As inclement weather hits the North East and cosmetic surgeries surge during holiday time and New Year, Capacity Coverage Company reminds patients that its Elective Surgery Refund Insurance (ESRI) will protect their down payment.

Elective Surgery Refund Insurance (ESRI) was developed by Capacity Coverage to give patients and cosmetic surgeons peace of mind for unexpected canceled surgeries. As cosmetic surgeries see a spike in popularity in late December and early January, ESRI urges patients to insure their down payments to protect their funds during high risk cancellation times due to inclement weather, transportation accidents and illness.

According to the Wall Street Journal, the last two weeks of December are the busiest time of the year for plastic surgeons. Reasons include patients wanting the already available time-off to recover and the push to make a change for the New Year.

“A variety of circumstances may prevent patients from being able to make their cosmetic surgery date during this time of year,” says founder of ESRI Annette Bergstein.
“Traffic accidents, illness and inclement weather just happen to coincide with the time of year many seek cosmetic surgeries such as weight-loss procedures post-January 1st.”

ESRI is available to all patients of plastic surgeons who have a cancellation clause in their contract, where you have obligated yourself to a non-refundable payment.

Among the many benefits of ESRI, coverage includes:

  • Travel delay solely and directly due to the mechanical failure of or accidental damage to the transport in which the Insured is traveling or a cause outside of the control of the Insured that solely and directly prevents the Insured’s continued safe transit
  • The inability of the insured to reach the venue solely and directly due to: Adverse weather, including snow, fog, frost or storm.

ESRI’s simplified process involves downloading an application from the ESRI website and choosing your selected amount of coverage.

“Patients like the peace of mind provided by ESRI insurance, which enhances their cosmetic surgery experience”, says prominent NYC Plastic Surgeon Dr. Ramtin Kassir. “Anything I can supply my patients with to offer them the best cosmetic surgery experience must be considered.”

More about ESRI

Capacity is ranked among the top 20 privately-held property/casualty agencies in the U.S. by Insurance Journal magazine, and it is among the Top 5 privately held brokerage firms in New Jersey. ESRI is underwritten by a carrier, which has received an "A" (Excellent) or higher rating from the A.M. Best Company for over 100 years (most recent rating evaluation effective March 29, 2012).

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Andrew Palley

Deanna Dunsmuir