Robert
Bike racing is a non covered activity with Adventure Advocates . Riding your bike or training is. But an actual race is not. I went through all this when they changed insurance providers...which is why I also signed up with AFLAC.
On September 17, 2016 10:10:09 AM PDT, Mike Murray via OBRA wrote:
>I have full sympathy as I have blown through my deductible and max out
>of
>pocket this year after a single fall.
>
>Adventure Advocates is an option. At least in the past OBRA had a
>relationship with them. They offer an accident policy. There are other
>options. A Google search will lead you to lots of them. I just checked
>and
>found that someone my age, gender, etc. could get $50,000 accident
>coverage
>for about $20/month. For younger people adding an accident policy to a
>high
>deductible health insurance can be an affordable option that will cover
>their most likely losses.
>
>I am not so sure about the accuracy of the "most policies will not
>accept
>people who participate in bike racing" statement. One year the agent
>that
>sold me my disability plan told me that the company wanted me to sign a
>waiver indicating that they would not cover disability related to bike
>racing or skiing. I told him to piss off as that was going to be the
>most
>likely source of any disability. I also pointed out to him that I was
>purchasing a lot of insurance from him and that there were other
>options
>that I could go to. Later in the day he called back to say that the
>company
>wasn't going to require the waiver. I think that they just wanted to
>see if
>I was stupid enough to sign it. Most companies will not ask about bike
>racing. Motorsport, ultralight flying, skydiving and private aviation
>are
>common exclusions. There are not enough bike racers in the US for this
>to
>appear on most company's radar.
>
>
>Mike Murray
>
>
>-----Original Message-----
>From: OBRA [mailto:obra-bounces@list.obra.org] On Behalf Of David
>Krause via
>OBRA
>Sent: Saturday, September 17, 2016 09:38
>To: obra@list.obra.org
>Subject: [OBRA Chat] Accident insurance for bike racers
>
>I'm sure this topic has come up here in the past, but I was wondering
>if
>anyone had any information, or has had any luck in finding a
>supplemental
>accident insurance policy that covers bike racers, and makes financial
>sense.
>
>I broke my collarbone last week on a mountain bike ride. Between the
>medical
>bills for the surgery, and the time I will miss from work (I'm a
>licensed
>contractor/carpenter), this little accident could end up costing me
>close to
>10 thousand dollars. It has been a real wake-up call for me in terms of
>the
>risk associated with our sport, and how much my ability to support my
>family
>with my trade relies on my physical health.
>
>
>I asked my health insurance agent about accident or disability
>insurance
>yesterday and his first reply was that most policies will not accept
>people
>who participate in bike racing.
>
>Anyone out there have any advice in this matter?
>
>David Krause
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