Salma's Au Pair in America Blog

With winter sports season approaching, I wanted to make sure everyone understands how the medical coverage works for sports related injuries. There is a list of “high-risk sports/activities” that are not covered with the basic or upgrade medical insurance plans. Those activities are only covered with the Sports Insurance Package (also known as Option A.)

The Sports Insurance Package was available pre-departure and may also be purchased at any time during your year. It takes effect within 48 hours of your enrollment and it is good for the remainder of the year. The cost will be the same ($50) whether you have a month left or your whole year ahead of you. I recommend you pay for it early on, if you didn’t already purchase it. You never know when an opportunity might present itself and you don’t want to miss out on an adventure. You also don’t want to take a risk on getting injured and being responsible for the bill on your own.

Below is a partial list of sports that are only covered with the sports insurance package:
Football, Rugby, Scuba diving, Ski-doo,  Wakeboarding, Skydiving, Parachuting, Rock climbing, Zip line, Skate boarding, Rollerblading, Roller skating, Ice Skating, Skiing, Snowboarding, Snowmobiles & Snowshoeing.  View the full list on page 3 of the insurance brochure HERE.
Note: Injuries sustained while partaking in these sports are covered with purchase of the Sports Insurance ONLY.

How to register for the Sports Insurance
Download the form HERE and follow the instructions.

Is it risky to do winter sports without the sports insurance?

Yes. If you have to pay your own hospital bills for a broken bone, you might be shocked at how much that would cost. I checked this website for some cost estimates.

Here are a couple examples:

By Newsusacontent (Flickr)

Is your house filled with holiday treats and goodies that are tempting you?  It is the season, and you are here for a cultural exchange, so try some of the traditional sweets your host family is offering, but it is a good idea to downsize your portions – how much you eat is as important as what you eat.

 A great tip for healthy eating: Try to select small portions of the food you love.

Remember, it is OK to have some holiday treats, just spend your calories wisely and then enjoy the food you choose!

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