{"id":507,"date":"2017-12-17T11:25:12","date_gmt":"2017-12-17T16:25:12","guid":{"rendered":"https:\/\/blogs.aupairinamerica.com\/mdl\/?p=507"},"modified":"2017-01-17T13:35:46","modified_gmt":"2017-01-17T18:35:46","slug":"do-i-need-sports-insurance","status":"publish","type":"post","link":"https:\/\/blogs.aupairinamerica.com\/mdl\/2017\/12\/17\/do-i-need-sports-insurance\/","title":{"rendered":"Do I Need Sports Insurance?"},"content":{"rendered":"<p>Trying out winter sports like ice skating, skiing and snow boarding can be\u00a0very exciting, especially if this is your first time experiencing winter weather. However, you should also know the risks and be prepared.\u00a0 <a href=\"https:\/\/blogs.aupairinamerica.com\/mdl\/wp-content\/uploads\/sites\/32\/2017\/01\/BigBirdz-flickr.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-medium wp-image-508\" src=\"https:\/\/blogs.aupairinamerica.com\/mdl\/wp-content\/uploads\/sites\/32\/2017\/01\/BigBirdz-flickr-300x201.jpg\" alt=\"BigBirdz (flickr)\" width=\"300\" height=\"201\" srcset=\"https:\/\/blogs.aupairinamerica.com\/mdl\/wp-content\/uploads\/sites\/32\/2017\/01\/BigBirdz-flickr-300x201.jpg 300w, https:\/\/blogs.aupairinamerica.com\/mdl\/wp-content\/uploads\/sites\/32\/2017\/01\/BigBirdz-flickr-624x417.jpg 624w, https:\/\/blogs.aupairinamerica.com\/mdl\/wp-content\/uploads\/sites\/32\/2017\/01\/BigBirdz-flickr.jpg 640w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p><strong>Is it risky to do winter sports without the sports insurance?<\/strong><\/p>\n<p><strong>Yes.\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>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 (also known as Option A.)<\/p>\n<p>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\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, Zip line, Skate boarding, Rollerblading, Roller skating,\u00a0\u00a0<strong>Ice Skating,<\/strong>\u00a0<strong>Skiing<\/strong>,\u00a0<strong>Snowboarding<\/strong>,\u00a0<strong>Snowmobiles &amp; Snowshoeing<\/strong>.\u00a0 View the full list on page 3 of the insurance brochure\u00a0<a href=\"http:\/\/www.aupairinamerica.com\/pdf\/2015APIAinsurance_booklet.pdf\"><strong>HERE<\/strong><\/a>(2015 arrival au pairs) &amp;\u00a0<strong><a href=\"http:\/\/www.aupairinamerica.com\/pdf\/2016APIAinsurance_booklet.pdf\">HERE<\/a>\u00a0<\/strong>for (2016 arrival au pairs)<br \/>\nNote: Injuries sustained while partaking in these sports are covered with purchase of the Sports Insurance ONLY.<\/p>\n<p><strong>How to register for the Sports Insurance<\/strong><br \/>\nContact me if you are unsure which insurance package you have or to get a copy of the Sports Insurance Enrollment Form.\u00a0It 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.<\/p>\n<p><span style=\"color: #999999\">Photo: BigBirdz (flickr)<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Trying out winter sports like ice skating, skiing and snow boarding can be\u00a0very exciting, especially if this is your first time experiencing winter weather. However, you should also know the risks and be prepared.\u00a0 <a href=\"https:\/\/blogs.aupairinamerica.com\/mdl\/wp-content\/uploads\/sites\/32\/2017\/01\/BigBirdz-flickr.jpg\"><\/a> Is it risky to do winter sports without the sports insurance? Yes.\u00a0If you have to pay your own hospital  <a class=\"read-more\" href=\"https:\/\/blogs.aupairinamerica.com\/mdl\/2017\/12\/17\/do-i-need-sports-insurance\/\">Read More<\/a><\/p>\n","protected":false},"author":43,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[300],"tags":[369,366,74,368,367,364,365],"class_list":["post-507","post","type-post","status-publish","format-standard","hentry","category-safety","tag-ice-skating","tag-medical","tag-safety","tag-skiing","tag-snowboarding","tag-sports-insurance","tag-winter-sports"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do I Need Sports Insurance? - Au Pairs in Southern Maryland<\/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=\"Do I Need Sports Insurance? - Au Pairs in Southern Maryland\" \/>\n<meta property=\"og:description\" content=\"Trying out winter sports like ice skating, skiing and snow boarding can be\u00a0very exciting, especially if this is your first time experiencing winter weather. However, you should also know the risks and be prepared.\u00a0 Is it risky to do winter sports without the sports insurance? 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