Sports Travel Insurance
Are you an athlete or simply enjoy playing sports around the world? If so, you may want to consider sports travel insurance.
Sports travel insurance provides financial protection in case something was to happen while travelling or engaging in various adventures. Each policy is different in what it covers, so here are some of the most comprehensive ones, and information on how you can find one that’s best for your needs.
Patriot Adventure International
The Patriot Adventure International is designed for those who are seeking a thrill in a country where they do not reside. It’s a supplemental medical insurance plan specifically for health care services.
No one ever wants to think about becoming ill or injured while away from home, especially when on a trip to do something adventurous. You simply want to have fun and create many memories – good ones.
Medical situations happen though, especially when participating in high-risk activities. Hospital visits, doctors, and other emergency medical care services can cost thousands, if not millions, of dollars.
Most insurance companies will not cover healthcare services in other countries, unless a supplemental policy has been added to it. The only way to know if yours has one is to contact the insurance company to ask.
Patriot Adventure International offers medical coverage for Americans outside of the country, and for those who reside in another country coming to the United States. Policies can cover time spent overseas from a month to six months.
Plan covers injuries incurred during athletic activities which are non-organized, non-contact and engaged solely for leisure, recreation, entertainment or fitness purposes. Some of these sports include, but are not limited to, motor cycle/motor scooter riding, recreational downhill and/cross country snow skiing, horseback riding, wakeboarding, and water skiing. In addition some Adventure sports are covered: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snowboarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), wildlife safaris, and windsurfing.
Also, activities not covered include amateur or professional sports or other athletic activity which is organized and/or sanctioned by the National Collegiate Athletic Association (and/or any other collegiate sanctioning or government body), or the International Olympic Committee.
Plans include medical insurance for policy holders and their families.
Since travelling can be sporadic, Patriot Adventure International will allow policyholders to purchase coverage in 15-day increments. This is only after the first month over coverage, though.
Only one deductible of $250 is available.
The maximum limit for medical expenses that will be covered by Patriot Adventure is $50,000.
Policyholders need to be medically and physically fit to engage in the activities they are planning to participate. If qualifications are necessary to participate in an activate, those must be met before engaging in the activity.
How to Obtain Patriot Adventure Insurance
Patriot Adventure Insurance can be purchased right here. The process is quite simple. Ask for a quote by completing questions concerning your plans and health. You will then receive quotes based on your answers and the coverage you would like part of your policy. Once you select a policy, you will need to complete paperwork for the policy and pay the premium. You will then be covered for the time designated in the policy.
Safe Travels USA Cost Saver
This is also a sports travel insurance option. It provides comprehensive coverage for people who want to visit the United States.
Candidates for this policy must be under the age of 99 years old.
Deductibles are flexible. Policyholders can choose from $0 to $5,000 depending on how much they would like to pay for premiums, and what they would like included in their policy.
Policies cover 80% of medical expenses that are deemed eligible. This means you must pay 20% up to the catastrophic cap of $5,000. After this amount, the policy pays 100% up to the maximum of $50,000. This includes the sports activities and adventures you’re planning on participating in. You must go to a hospital or doctor in the network to receive coverage.
Those who are seeking a sports travel insurance policy that participates in the First Health PPO network will be happy to know that Safe Travels USA Cost Saver is part of this network. This means you can visit any provider in this network.
The following sports are covered by increasing the person per day rate by 20% and adding the amount of premium per class per month. Coverage for injuries incurred during Amateur, Club, Intramural, Interscholastic, Intercollegiate activities.
Professional and Semi Professional Sports are always excluded. Any athletic sport not expressly covered here is excluded from this policy unless the activity is non-contact and engaged in by you solely for leisure, recreation, entertainment, or fitness purposes only.
Class 1– includes Archery, Tennis, Swimming, Cross Country, Track, Volleyball and Golf: 20%+$0
Calss 2– includes Ballet, Basketball, Cheerleading, Equestrian, Fencing, Field Hockey, Football (no division 1), Gymnastics, Hockey, Karate, Lacrosse, Polo, Rowing, Rugby and Soccer: 20%+$26 per person per month
Getting a Policy with Safe Travels USA Cost Saver
Safe Travels USA Cost Saver insurance is administered by Trawick International and underwritten by GBG Insurance Limited.
If you decide to this is the plan for you, you can complete the application, and pay the premium to activate the policy.
Diplomat America Insurance
Diplomat America Insurance is also known as Diplomat America Travel Medical Insurance. It provides comprehensive visitor medical protection to non-U.S. citizens visiting the United States.
Diplomat America offers many different benefits, such as accident and sickness medical coverage, travel assistance, and accidental death and dismemberment benefits.
Policies can be for policyholders, spouse, and unmarried children ages 14 to 18 years. This is only for people travelling to the United States This includes those who are seeking to visit the U.S. for vacationing or to engage in risky sports or adventurous activities. There are limits to cover, and exclusions for those who are older.
Coverage can be set for 15 days up to 1 year. It is important to note that plans cannot be renewed.
Comprehensive plans cover up to $1,000,000 in medical expenses. For policy members between the ages of 70-80 years, coverage is only for $100,000. Those who are older than 80 years only receive $20,000 in coverage.
This insurance does not participate in PPOs. Any doctor or hospital can be used with Diplomat America.
Deductibles vary. Choices include $0, $50, $100, $250, $500, $1000, $2500, or $5000.
Benefits include coverage for medical evacuation, lost luggage, emergency dental, trip interruption, accidental death and dismemberment, carrier accidental death, emergency visit, repatriation of remains.
Athletic Sports & Hazardous Activity:
Athletic Sports & Hazardous Activity Benefit provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities.
Any Athletic Sport & Hazardous Activity not expressly covered in the table below is excluded from this policy unless the activity is approved by the company prior to purchase or the activity is non-contact and engaged in by you solely for leisure, recreation, entertainment, or fitness purposes only. For this coverage, an additional 1.25 factor is added to the base premium plus any additional monthly flat rates as listed in the below table.
Activities included under Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports:
For this coverage, an additional 1.25 factor is added to the base premium plus any additional monthly flat rates as listed in the below table.
|Options||Activities included under Athletic Sports & Hazardous Activity||Activities included under Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports|
|Low Option||Additional $12.00 flat monthly rate. Includes the following sports-|
|BMX; Bobsledding; Bungee Jumping; Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate (Non-competitive); Motor Scooter; Motorcycling; Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving (Not to exceed 30 feet, Resort Course or equivalent required); Snow Skiing (Recreational); Snowboarding(Recreational); Snowmobiling; Spelunking/Caving; Surfing (Recreational); Trekking (Not exceeding Class IV Difficulty on Yosemite Decimal System); Wakeboarding; Water skiing; Whitewater Rafting (Class I through V rapids); Wind Surfing; Zip Lining.||Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo (Horse); Polo (Water); Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleyball.|
|Middle Option||Additional $25.00 flat monthly rate. Includes the following sports-||Additional $26.00 flat monthly rate. Includes the following sports-|
|Aerial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning (As a pilot); Mountain Climbing (14,000 ft. & below – Ropes & proper safety equipment required); Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing (Ropes & proper safety equipment required); Scuba Diving (Below 30 feet, PADI/NAUI Certification required, or insured must be accompanied by a certified diving instructor); Skydiving; Snow Skiing Off-Piste.||Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing (Slalom, Giant Slalom, Downhill); Ski Jumping; Wrestling.|
|High Option||Additional $50.00 flat monthly rate. Includes the following sports-||Additional $80.00 flat monthly rate. Includes the following sports-|
|Big Game Hunting (Use of Firearms); Diving with Sharks; Mountain Climbing (14,000 ft. & above – Ropes, proper safety equipment & certified guide required); Running with the Bulls; Security Detail (use of firearms).||Football (No Division One); Gymnastics; Rugby (No Division One); Soccer.|
How to Get Diplomat America
For a quote, click here. You will then be able to select a coverage limits and the deductible and pay for it online.
Policies are administered by Global Underwriters Insurance and underwritten by United States Fire Insurance Company.
Shopping for Sports Travel Insurance
Do your research as you shop for sports travel insurance. It’s important to compare your needs with what is covered by each plan. Once you decide on which plan suits you, you can purchase it online.
Often, in addition to receiving an e-copy of your policy shortly after purchase, you will also receive a copy of the policy in the mail. This may take two weeks or less depending on the company.
Patriot Adventure International, Safe Travels USA Cost Saver and Diplomat America are good options for those who are seeking sports travel insurance when visiting the United States from another country. They can save you a lot of money in case of a tragic accident. Get quotes for them, review their plans, and decide on the one that provides you the coverage you need.
Some other benefits and exclusions to keep in mind while narrowing down which plan to go with include:
Coverage for pre-existing conditions: If you have any condition for which you have taken medication or treatment in the recent past, it is important to know what your plan will cover in case the condition recurs. Typically plans do not cover known and scheduled treatment costs. However, should the condition unexpectedly recurs, Patriot Adventure and Safe Travel cover the first $1,000 related to the treatment of a sudden unexpected recurrence of a pre-existing condition, while Diplomat America excludes all treatment related to a pre-existing condition. For U.S. citizens, Patriot Adventure also covers up to $25,000 for emergency medical evacuation related to a pre-existing condition recurring suddenly and unexpectedly.
Intramural, intercollegiate and interscholastic sports: Injuries caused while playing or practicing in any of these is excluded from coverage by Patriot Adventure. Safe Travel offers optional coverage by paying additional 20% of the premium for athletic sports coverage, here to professional and semi-professional sports always fall under the exclusions. Diplomat America offers optional coverage at an additional 1.25 factor on the base premium plus additional flat monthly rates as specified in the table above.
Club sports or organized sports can be covered via a group plan. Please contact us for a custom quote.
Traveling always involves risks, and when it comes to participating in sports and adventurous activities abroad, the risk is doubled. Even if you are a seasoned athlete or sportsperson, you can never be certain something won’t go wrong on your next trip abroad. Rather than running the risk of paying through your nose for medical expenses, rely on sports travel insurance that will prove immensely valuable in an emergency situation. Don’t you think the peace of mind you will experience is worth the premiums you pay? Then go for it and get the best quote today!