Sport insurance?- Mtbr.com
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  1. #1
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    Sport insurance?

    Is there such a thing as sport insurance for MTB bikers? Would it help to to cover for injuries?

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  2. #2
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    how would this be any different from regular health insurance?

  3. #3
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    Most things like that are supplemental insurance (AFLAK) and you need primary coverage first.
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  4. #4
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    I put all the pennies from my change into a jar. If I get hurt on the trail, I'll have one of my riding buddies go home and get the jar. If there's enough in it, I'll get a helicopter ride out and then I'll Google the nearest doctor that is specially equipped to handle the type of injuries that I have that day and I'll tell the pilot to drop me off at that doctor (there's usually a big target on the roof to tell the pilot where to land). There should be enough change left in the jar to pay the doctor plus any additional treatment I may need.

    Insurance is a scam. No need to look up any insurance agents in your area to ask them questions you may have about insurance because they all have new boats that they are paying for so they just want your money.

    Edit: pennies not penis.
    Last edited by Finch Platte; 4 Weeks Ago at 05:01 AM. Reason: Pennies not penis
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  5. #5
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    “MTB biker” is killing me.

  6. #6
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    I'm not sure what a MTB biker is, but there is a silent l supplemental insurance crash plan I saw recently. Forgot the name though.

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  7. #7
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    Medical insurance, whether nationalised, as in Canada, the U.K. or (in the case of Medicare) the U.S. covers it as does a variety of "over the counter" insurance policies. If you break a leg, it gets treated whether you fall down the stairs or off a trail. I don't remember ever being asked how I hurt myself when I've gotten treatment.

  8. #8
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    I thought sports insurance like that was to cover people who make their living via the sport so say a downhill racer or XC racer or freerider who is competing on a professional level.
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  9. #9
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    Quote Originally Posted by 93EXCivic View Post
    I thought sports insurance like that was to cover people who make their living via the sport so say a downhill racer or XC racer or freerider who is competing on a professional level.
    They never have insurance. Haven't you seen all the GoFundMe accounts where they're asking for money because they got hurt racing and they weren't insured?

    I think it's stipulated in their contracts that they are not to be insured. But the teams do supply dollar store first aid kits, so they've got that going for them.
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  10. #10
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    Carry cyanide pill like spy.
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  11. #11
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    I never indicate that I engage in what is considered to be a risky sport when completing life insurance profiles. But I digress...
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  12. #12
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    You can certainly insure your legs/limbs, didn't David Beckham insured his legs for like $500.000 each?
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  13. #13
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    I think this is the one I was thinking of. I realize this is a Picard thread so the entire thing is a joke, but hey, it exists:

    https://balanceforcyclists.com/individuals

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  14. #14
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    Quote Originally Posted by Crankout View Post
    I never indicate that I engage in what is considered to be a risky sport when completing life insurance profiles. But I digress...
    my friend, who is a big time road racer, was complaining a few years ago that unfit people should have to pay more for their health insurance, since they are a burden on society. couple months later, he was in surgery for his broken collarbone, broken of course, while riding. he has since broken it again.

    they do ask now, how you injured yourself, to try and assess whether your injury was attributable to someones else's insurance, like the guy who hit you, the pothole that wasn't fixed, etc. they also ask if it was work related, ie workers comp should pay.

    and, one reason insurance from places like USAA, AARP, GEICO etc is cheaper, is that the local agent isn't getting rich off you. you don't need to have a guy across town to take care of your claim.

  15. #15
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    Quote Originally Posted by jcd46 View Post
    You can certainly insure your legs/limbs, didn't David Beckham insured his legs for like $500.000 each?
    Yeah, I think John Holmes had one of his legs insured too.
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  16. #16
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    Quote Originally Posted by WHALENARD View Post
    Yeah, I think John Holmes had one of his legs insured too.
    Lol! That one leg, right?
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  17. #17
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    Quote Originally Posted by jcd46 View Post
    Lol! That one leg, right?
    True story.
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  18. #18
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    Quote Originally Posted by TrailGoat View Post
    how would this be any different from regular health insurance?
    I think regular health insurance doesn't cover high risk activities. it covers simple dental plan, medications, massage therapy, sick holidays. My plan doesn't cover severe broken leg, spin column or lost of work days.

  19. #19
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    Quote Originally Posted by Picard View Post
    I think regular health insurance doesn't cover high risk activities. it covers simple dental plan, medications, massage therapy, sick holidays. My plan doesn't cover severe broken leg, spin column or lost of work days.
    It sounds like you are talking about income protection through STD (Short Term Disability) / LTD (Long Term Disability) insurance policies. As has already been pointed out by other posters, your basic medical treatment is already provided to you at no extra cost in Canada, since you are already paying for for it through your taxes. That is true regardless of the cause of illness or injury. In Canada, a typical private insurance policy won't cover costs of the core treatment, since they expect this is provided to you already. What they may do is provide supplemental benefits such as physio and other types of rehab, vocational counselling and re-training (if you can no longer work in your previous occupation), and in the case of STD/LTD replacement of your lost income. The income protection is usually on a partial basis covering about 70% of your previous earnings (up to a stipulated maximum) so that it provides motivation to resume work, rather than simply collect the income replacement benefit indefinitely.
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  20. #20
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    Quote Originally Posted by Picard View Post
    I think regular health insurance doesn't cover high risk activities. it covers simple dental plan, medications, massage therapy, sick holidays. My plan doesn't cover severe broken leg, spin column or lost of work days.
    BTW I should have also mentioned that you are correct that most STD/LTD policies and/or supplemental health benefits will have exclusions concerning high-risk activities, but so long as these are related to recreational activities and not your profession, then these activities are typically well-defined and limited in scope to things such as skydiving, scuba diving, motorsports racing, etc. I have never seen a policy that has exclusions for any form of recreational cycling, whether mountain biking or other. That's not to say a policy with this exclusion doesn't exist (it's your coverage, you need to read it carefully and consult with knowledgeable resources if you don't fully understand it) but only that I've never personally seen one. Conversely, if mountain biking was your profession (not a recreational hobby activity), it would likely be difficult to find coverage, or at least difficult to find it any reasonable premium rate.
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  21. #21
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    I pay an extra $20 a month for accident insurance which coves injuries such as broken collar bones related to “high risk” activities, ACls, gun shot wounds, etc. In CO, a hunting license includes search and rescue insurance surcharge and I carry 50k in life flight insurance for about $100 annually. Between Backcountry Mtn Biking , Backcountry snowboarding and Backcountry hunting, statistics aren’t on my side.

  22. #22
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    Quote Originally Posted by Circlip View Post
    BTW I should have also mentioned that you are correct that most STD/LTD policies and/or supplemental health benefits will have exclusions concerning high-risk activities, but so long as these are related to recreational activities and not your profession, then these activities are typically well-defined and limited in scope to things such as skydiving, scuba diving, motorsports racing, etc. I have never seen a policy that has exclusions for any form of recreational cycling, whether mountain biking or other. That's not to say a policy with this exclusion doesn't exist (it's your coverage, you need to read it carefully and consult with knowledgeable resources if you don't fully understand it) but only that I've never personally seen one. Conversely, if mountain biking was your profession (not a recreational hobby activity), it would likely be difficult to find coverage, or at least difficult to find it any reasonable premium rate.
    I don't know why you waste your time, dude.
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  23. #23
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    Quote Originally Posted by Finch Platte View Post
    I don't know why you waste your time, dude.
    Why does anyone bother posting in this thread, dude?
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  24. #24
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    when I was playing adult league hockey regularly, I remember that being a USA Hockey member gave me an option for insurance for injuries sustained in a game. It was like $20 more per year for membership, but it was worth it to me...especially in my 20's when I did not have regular insurance. Hockey would have been my biggest risk factor back then.

    and of course, my 2 biggest hockey injuries came 4 years ago during a time when I was not choosing the extra coverage, but regular insurance still covered most of it
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  25. #25
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    Quote Originally Posted by Circlip View Post
    Why does anyone bother posting in this thread, dude?
    Exactly.
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  26. #26
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    Quote Originally Posted by Finch Platte View Post
    Exactly.
    More to my intended point, I'll post in any thread I feel like posting in and don't need you to be my self-appointed, unsolicited posting nanny.
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  27. #27
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    Quote Originally Posted by Circlip View Post
    More to my intended point, I'll post in any thread I feel like posting in and don't need you to be my self-appointed, unsolicited posting nanny.
    I think you misunderstood. You have a lengthy, informative post in a Picard thread. I was just pointing out (to anyone, actually), that posts with good info are generally lost on Picard.

    Sorry I seemed to have singled you out.
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  28. #28
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    You almost made an apology noting that you didn't single me out to be my posting nanny, then proceeded to appoint yourself as everyone's posting nanny. WTF?

    For a guy who isn't a newb, you sure act like one. Here, I fixed it for you below. Fill in thread title and poster name of your choice, and the sentence probably fits for about half the postings on mtbr.

    Quote Originally Posted by Finch Platte View Post
    You have a lengthy, informative post in a ____________ thread. I was just pointing out (to anyone, actually), that posts with good info are generally lost on __________.
    For the record, we had Picard all to ourselves on our regional forum for a long time many years ago before he migrated out as a regular to a broader audience. However, don't let that stop you from posting up as though you have some special insight on the subject.
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  29. #29
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    ^^^^ Geez guys wait...okay,here you go:


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  30. #30
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    Quote Originally Posted by Circlip View Post
    ..For the record, we had Picard all to ourselves on our regional forum for a long time many years ago..
    i guess once you get trolled, it's not possible to stop...


  31. #31
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    Quote Originally Posted by .WestCoastHucker. View Post
    i guess once you get trolled, it's not possible to stop...
    How 'bout I just send you a map of the whole forest and we can call it a day, k?
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  32. #32
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    Whoa, that took an unexpected turn. Did someone piss in your Wheaties, Cir?
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  33. #33
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    Quote Originally Posted by Circlip View Post
    How 'bout I just send you a map of the whole forest and we can call it a day, k?
    will it lead me to piles of shokkers and skoors?


  34. #34
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    Quote Originally Posted by .WestCoastHucker. View Post
    will it lead me to piles of shokkers and skoors?
    Sorry to be the bearer of bad news, but you are thinking of the other whole forest.
    Nuke the entire site from orbit. It's the only way to be sure.

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