Yearly Archives: 2016

Winter Sports and Sports Insurance

 

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:

  • 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.

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 12 months. The cost will be the same ($85) 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(2015 arrival au pairs) & HERE for (2016 arrival au pairs)
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 Lisa or Christine to get a copy of the Sports Insurance Enrollment Form. It takes a few days for your coverage to begin. If you think you will be doing any of these sports, you should get it now.

Snow Days are Here!

Here is a simple snow day game plan…

  1. Play in the snow. Do you wanna build a snowman? Here’s a great how-to video.
  2. Come inside and warm up with hot chocolate (don’t forget the marshmallows.)
  3. May your own play dough.
  4. Play board games or Legos together.
  5. Ever heard of Snow Ice Cream? Great for freshly fallen snow.
  6. Look for more fun things to do on the APIA Pinterest Boards:
  7. Bake cookies together or make some other fun recipe.
  8. Play in the snow again.
  9. Warm up inside taking turns on the Make a Snowflake Website.
  10. Make a blanket fort.

Stay warm & have fun!

Photo credit: Tony Crider (flickr)