Migraine hacks: cancellation insurance

When you have chronic illness (or chronic illnesses, as the case may be for many of us), reading about strict cancellation policies can be a little nerve-wracking.  A dentist may require that you pay in full for your appointment if you don’t cancel within twenty-four hours. The rental car company may cancel your unpaid reservation if you can’t show up at the originally specified time. The hair stylist may not charge you anything, but by canceling due to illness only a couple of hours before your appointment, she has missed the chance to make any income for that hour  you were supposed to be there.

Maybe it’s already out there and I haven’t found it yet, but just in case I whipped up a quick little imaginary invention—a service, rather.  I like to call it Migraine Cancellation Insurance.

Here’s how it’d work.  For just $1/month (hey, it’s my dream—I can make the insurance prices as unrealistic as I want), you could cancel any appointment, any time, up until five minutes after the appointment was to have begun. (Lord knows I sometimes keep appointments on the books thinking to myself, “Surely my medication will have me up and about well before then!” only to realize later that the meds haven’t worked and I am now dry-heaving in my bathroom. Hence the very late notification allowance.)

Making calls or sending emails when you’re in the midst of a bad migraine can be totally intimidating if not impossible, so the cancellation insurance is easy-peasy.  You use the smart phone app to press just one icon to notify the hair stylist/doctor/dentist/therapist/dog groomer that you won’t be able to make it. The service provider gets an immediate notification and you can rebook any time, no penalties. He or she has the option of getting paid in full for what would have been your appointment, or he/she can waive the cost and just charge you when you are able to make it in.  Ooh, I just decided to add a feature: the service provider can also choose to accept the payment and then immediately donate it on your shared behalf to the migraine research study or organization of your choice!

Thankfully, I had to cancel very few appointments in 2015 despite its being kind of a rough year for me, migraine-wise. Seeing  strict cancellation policies outlined in offices and on websites does give me pause, though, even though I of course understand the service providers’ need to protect themselves on this front.

Perhaps a future iteration of the insurance policy would be to offer up services for social engagements you miss as well as important work meetings.  I’ll get the tech team working on that ASAP. ;)

Think back on the last few months.  Was there a time you could’ve used Migraine Cancellation Insurance?  Was there a time you went to an appointment when you shouldn’t have only because you didn’t want to forfeit the money you’d lose by not showing up? 

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