Taking a Denver thrill seeker into consideration, considering how he wanted to see the lush tropical terrain around the coastal town of Jaco he thought that speeding high over the Costa Rican jungle on a zip line was a good idea at first. 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. When it comes to this, he was unable to slow his rapid descent and so he slammed into an attendant and a tree at the bottom of the cable, shattering his left leg and ankle.
Here, three operations, 15 pins and screws, and two plates were required for his leg to be put back together. The decision to ride the zip line aside, this guy made at least one smart travel decision. Prior to leaving the US, he purchased supplemental travel insurance that saved himself as much as $2,000 in out of pocket expenses.
Because of his misadventure, he is able to give a good reminder for all travelers to check their insurance policy before trying a high risk sport or outdoor adventure trip. What you should consider includes the following. High risk sports that are covered are listed in the exclusion clauses that come with medical and life insurance policies. Here, for the list of high risk activities, it is based on actuarial numbers and accident statistics and you can expect it to vary by provider.
For activities like white water rafting, bungee jumping, spelunking, parasailing, motorcycling, and sky diving, there may be no coverage. When it comes to this, look at the exclusion clause on your policy. What you can do to add to your existing policy is buy supplemental coverage.
You can cover your period of travel by availing of a year round supplemental insurance or a short term policy. Here, depending on your age and the amount of coverage and the services you want, the price normally varies. What you can get from one travel insurance company is a plan which costs $218 a year for a person younger than 69.
Such a policy is capable of paying $10,000 in medical bills and $100,000 for medical evacuation costs per incident not to mention covering activities including motorcycling, skiing, and sky diving. All participants when it comes to a professional or amateur competition, such as a mountain biking race, are insured by the organizers. To be safe, check with the organizer before participating in any race.
Considering that a professional guide is hired to take one rock climbing, mountain biking, or to take part in some other adventure sport, will hid insurance be able to cover any injuries? What you will get is a no answer because guides for high risk sports typically require that clients sign a liability waiver. Considering your guide's insurance, you will not be covered. There are times when suing can help you recover your medical cost if negligence or failure to act on the part of the guide causes your injury.
Leave only after getting the extra coverage and should something go wrong your insurance company can try to recover your medical costs from your negligent guide. Here, a Birmingham, Alabama based company charges members younger than 75 an annual fee of $225. When members are injured at least 150 miles from home, they can be evacuated from almost any airport in the world. It is the company which also offers short term memberships such as a seven day deal for a one-time fee of $85.
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