Do You Need Sports Insurance?
Trying out or participating in various sports can be very exciting, especially if this is your first time experiencing certain activities. However, you should also know the risks and be prepared.
Is it risky to do 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. This website has some cost estimates.
Here are a couple examples:
- Without medical coverage, to treat a broken arm or leg (that does not require surgery) it could cost up to $2,500.
- Without medical coverage, to treat a broken arm or leg (requiring surgery) it could cost $16,000 or more.
- Everyone needs to understand 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.
The Sports Insurance 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 12 months. The cost will be the same ($90) 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 your insurance brochure.
Note: Injuries sustained while partaking in these sports are covered with purchase of the Sports Insurance ONLY.
How to register for the Sports Insurance
Contact your CC, if you are unsure which insurance package you have. To sign up, submit a completed copy of the Sports Insurance Enrollment Form along with payment to Au Pair in America. It takes three days for your coverage to begin. If you think you will be doing any of these sports, you should get it now.
First appeared in Cynthia Chan’s Maryland Blog. Written by Cynthia Chan