Monthly Archives: December 2017

Do I Need Sports Insurance?

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

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 me if you are unsure which insurance package you have or 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.

Photo: BigBirdz (flickr)

Avoiding Homesickness this Holiday Season

Homesickness can be a problem during the holidays, even if it hasn’t been at any other time of the year. Au pairs often miss their friends and family, familiar places and their own traditions and customs. The holiday activities in the United States seem, and may actually be, different just at a time when an au pair would welcome something familiar. 

It is common for au pairs’ emotions to be close to the surface during the holidays. Her highs are higher, her lows are lower. The enormity of what she has done–actually living in another country (which is an amazing thing when you think about it!)–hits her and throws her into a self-protective mode.

Host parents can help her through this unfamiliar territory by talking to her about what your specific family activities will be (gifts, meals, visitors, religious services, in-home traditions, or none of these, as the case may be.) In the spirit of cultural exchange, ask her if she has any favorite holiday traditions or foods that you might be able to incorporate into your family’s celebration of the season. Let her know what you will be doing, when you will be doing it, and what she can expect. Talk to her about what has to be accomplished and get her involved and interested. Don’t expect her to just “know” what needs to be done. Give her some clear, agreed upon assignments. Make her feel a part of things. And, let her know her contribution is needed and appreciated.

Photo: Sheila Sund (Flickr)