{"id":3977,"date":"2019-12-27T09:00:32","date_gmt":"2019-12-27T14:00:32","guid":{"rendered":"https:\/\/blogs.aupairinamerica.com\/mdf\/?p=3977"},"modified":"2020-01-09T12:10:36","modified_gmt":"2020-01-09T17:10:36","slug":"how-does-sports-insurance-work","status":"publish","type":"post","link":"https:\/\/blogs.aupairinamerica.com\/mdf\/2019\/12\/27\/how-does-sports-insurance-work\/","title":{"rendered":"How Does Sports Insurance Work?"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-2139 alignleft\" src=\"https:\/\/blogs.aupairinamerica.com\/mdf\/wp-content\/uploads\/sites\/2\/2011\/11\/ice-skate-224x300.jpg\" alt=\"\" width=\"224\" height=\"300\" srcset=\"https:\/\/blogs.aupairinamerica.com\/mdf\/wp-content\/uploads\/sites\/2\/2011\/11\/ice-skate-224x300.jpg 224w, https:\/\/blogs.aupairinamerica.com\/mdf\/wp-content\/uploads\/sites\/2\/2011\/11\/ice-skate.jpg 538w\" sizes=\"auto, (max-width: 224px) 100vw, 224px\" \/>Trying out winter sports like ice skating, skiing and snowboarding can be\u00a0very exciting, especially if this is your first time experiencing winter weather. However, you should also know the risks and be prepared.<\/p>\n<p><strong>Is it risky to do winter sports without sports insurance?<\/strong><\/p>\n<p><strong><span style=\"color: #ff0000;\">Yes.<\/span>\u00a0<\/strong>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\u00a0<a href=\"http:\/\/www.costhelper.com\/cost\/health\/broken-arm.html\">this website<\/a>\u00a0for some cost estimates.<\/p>\n<p>&nbsp;<\/p>\n<p>Here are a couple examples:<\/p>\n<ul>\n<li>Without medical coverage, to treat a broken arm or leg (that does not require surgery) it could cost up to $2,500.<\/li>\n<li>Without medical coverage, to treat a broken arm or leg (requiring surgery) it could cost $16,000 or more.<\/li>\n<\/ul>\n<p>I wanted to make sure everyone understands how the medical coverage works for sports-related injuries. There is a list of \u201chigh-risk sports\/activities\u201d that are not covered with the basic or upgrade medical insurance plans. Those activities are only covered with the Sports Insurance Package.<\/p>\n<p>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\u2019t already purchase it. You never know when an opportunity might present itself and you don\u2019t want to miss out on an adventure. You also don\u2019t want to take a risk on getting injured and being responsible for the bill on your own.<\/p>\n<p>Below is a partial list of sports that are only covered with the sports insurance package:<br \/>\nFootball, Rugby, Scuba diving, Ski-doo,\u00a0 Wakeboarding, Skydiving, Parachuting, Rock climbing, Zipline, Skateboarding, Rollerblading, Roller skating, <strong>Ice Skating,<\/strong>\u00a0<strong>Skiing<\/strong>, <strong>Snowboarding, Snowmobile-riding &amp; Snowshoeing.<\/strong> View a full list on your insurance brochure.<\/p>\n<p>Note: Injuries sustained while partaking in these sports are covered with the purchase of the Sports Insurance ONLY.<\/p>\n<p><strong>How to register for the Sports Insurance<\/strong><br \/>\nContact Lisa or Christine, if you are unsure which insurance package you have. To sign up, submit a completed copy of the <a href=\"https:\/\/drive.google.com\/file\/d\/16rtkR3ZYkzqIyrgZP7w3Y47ZsTa-NWXJ\/view?usp=sharing\">Sports Insurance Enrollment Form<\/a>\u00a0along with payment to Au Pair in America.\u00a0It takes three days for your coverage to begin. If you think you will be doing any of these sports, you should get it now.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Trying out winter sports like ice skating, skiing and snowboarding can be\u00a0very 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.\u00a0If you have to pay your own hospital bills for a broken  <a class=\"read-more\" href=\"https:\/\/blogs.aupairinamerica.com\/mdf\/2019\/12\/27\/how-does-sports-insurance-work\/\">Read More<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,6],"tags":[508,509,584,1008,959],"class_list":["post-3977","post","type-post","status-publish","format-standard","hentry","category-au-pair-tips","category-host-family-tips","tag-injury","tag-insurance","tag-medical","tag-sports","tag-winter"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Does Sports Insurance Work? - Au Pair Chatter<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Does Sports Insurance Work? - Au Pair Chatter\" \/>\n<meta property=\"og:description\" content=\"Trying out winter sports like ice skating, skiing and snowboarding can be\u00a0very exciting, especially if this is your first time experiencing winter weather. 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