Monthly Archives: December 2019

How Does Sports Insurance Work?

Trying out winter sports like ice skating, skiing and snowboarding can be very exciting, especially if this is your first time experiencing winter weather. However, you should also know the risks and be prepared.

Is it risky to do winter sports without 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.

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 ($95) 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, Zipline, Skateboarding, Rollerblading, Roller skating, Ice Skating, Skiing, Snowboarding, Snowmobile-riding & Snowshoeing. View a full list on your insurance brochure.

Note: Injuries sustained while partaking in these sports are covered with the purchase of the Sports Insurance ONLY.

How to register for the Sports Insurance
Contact Lisa or Christine, 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.

9 Winter Driving Tips to Stay Safe in the Ice & Snow

The best advice for driving in bad winter weather is not to drive at all, if you can avoid it. Don’t go out until the snow plows and sanding trucks have had a chance to do their work, and allow yourself extra time to reach your destination.

If you must drive in snowy conditions, make sure your car is prepared, and that you know how to handle road conditions. It’s a good idea to always keep at least a half tank of gas in your car, especially in winter months where you could get stranded. It’s helpful to practice winter driving techniques in a snowy, open parking lot, so you’re familiar with how your car handles. Consult your owner’s manual for tips specific to your vehicle.

Driving safely on icy roads

  1. Decrease your speed and leave yourself plenty of room to stop. You should allow at least three times more space than usual between you and the car in front of you.
  2. Brake gently to avoid skidding. If your wheels start to lock up, ease off the brake.
  3. Turn on your lights to increase your visibility to other motorists.
  4. Keep your lights and windshield clean.
  5. Use low gears to keep traction, especially on hills.
  6. Don’t use cruise control or overdrive on icy roads.
  7. Be especially careful on bridges, overpasses and infrequently traveled roads, which will freeze first. Even at temperatures above freezing, if the conditions are wet, you might encounter ice in shady areas or on exposed roadways like bridges.
  8. Don’t pass snow plows and sanding trucks. The drivers have limited visibility, and you’re likely to find the road in front of them worse than the road behind.
  9. Don’t assume your vehicle can handle all conditions. Even four-wheel and front-wheel drive vehicles can encounter trouble on winter roads.

Photo: Steve Pisano (Flickr)

Safety Tips for Holiday Shopping

It is easy to get distracted at this time of year and when you are distracted you are at a greater risk for holiday crime.  Here are some tips that are always a good idea, but especially important to remember at this time of year.

holiday shopping

  • Always pay attention to your surroundings.  Avoid distractions like using a cell phone or listening to your iPod when you are coming and going from stores.
  • Avoid carrying large amounts of cash.  Take just the amount you need or use debit or credit cards.
  • Keep your money in a front pocket.  Pay close attention to your wallet when you are in crowded places like buses, metro, and elevators.
  • Be careful not to lay your purse or bags down on the floor or out of your sight at the mall.
  • Save your most expensive purchases for the end of your shopping when you will be going straight to the car.
  • Whenever possible, shop during daylight hours and if you must shop after dark, go with a friend.
  • If you are not driving yourself to go shopping, use the Metro Trip Planner before going out, to minimize time waiting at the bus stop or metro station.  Never accept a ride from a stranger.
  • Be aware of strangers approaching you for any reason. Criminals will use different methods to distract you and steal your belongings.
  • Look around the parking area when you are leaving.
  • Do not approach your car alone if there are suspicious people in the area.  You can go back into the store and ask security to walk out with you or wait for a family or other group of people to walk out at the same time as you.
  • Trust your instincts, if something seems suspicious or unsafe, you are probably right.  Following the saying, “Better Safe Than Sorry.”