Making Insurance Work
Making Insurance Work
In this case, one Denver thrill seeker thought that speeding high over the Costa Rican jungle on a zip line was a good idea at first because he wanted to see the lush tropical terrain around the coastal town of Jaco. It was during his fifth ride when he found out that the leather gloves he was given to grip the cable with were a sorry excuse for a braking system but prior to this things were fine. Sadly, he was unable to slow his rapid descent here and so he ended up slamming into an attendant and a tree at the bottom of the cable, shattering his left leg and ankle.
To repair his leg, he needed three operations, 15 pins and screws, and two plates. The decision to ride the zip line aside, this guy made at least one smart travel decision. He left the US but bought supplemental travel insurance that saved himself as much as $2,000 in out of pocket expenses beforehand.
It was a good reminder for all travelers to check their insurance policy before trying a high risk sport or outdoor adventure trip that resulted from his misadventure. The following are the things to be considered. Involving lists of covered high risk sports are the medical and life insurance policies which bear exclusion clauses. When it comes to the list of high risk activities, not only does it vary by provide but it is also based on actuarial numbers and accident statistics.
Coverage may be limited for activities including motorcycling, sky diving, bungee jumping, white water rafting, parasailing, and spelunking. Look at the exclusion clause on your policy in this case. Do consider purchasing supplemental coverage to add to your existing policy.
Cover your travel period by purchasing a year round supplemental insurance or a short term policy. Normally, prices in this case vary depending on your age and the amount of coverage and the services you want. It is a plan which costs $218 a year for a person younger than 69 that you can get from a travel insurance company.
Here, the policy will be able to cover activities including motorcycling, skiing, and sky diving not to mention pay $10,000 in medical bills and $100,000 for medical evacuation costs per incident. Insurance that covers all participants in a professional or amateur competition, such as a mountain biking race, are arranged by the organizers. To be safe, check with the organizer before participating in any race.
Can you rely on the insurance of a professional guide hired to take one rock climbing, mountain biking, or to take part in some other adventure sport when injuries arise? When it comes to this, guides for high risk sports typically require that clients sign a liability waiver and so the answer is no. When it comes to your guide's insurance, you are not covered. There are occasions when you can sue to recover your medical cost if negligence or failure to act on the part of the guide causes your injury.
When something goes wrong, your insurance company can try to recover your medical costs from your negligent guide but be sure to get the extra coverage before you leave. For one Birmingham, Alabama based company, they charge an annual fee of $225 for members younger than 75. It is possible to evacuate from almost any airport in the world considering that members are injured at least 150 miles from home. The company also offers short term memberships, such as a seven day deal for a one-time fee of $85.
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