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A note for those that want to try Skydiving in Europe......

While watching the news today, I was reminded of something that needs to be considered when choosing travel medical insurance. For those thinking of Skydiving or other extreme sports, it would be prudent to read the fine print in their medical insurance contract to ensure that they're covered while partaking in such activities.

This is the story that reminded me of the importance of ensuring proper medical coverage when travelling......

http://bc.ctvnews.ca/medical-bills-soar-for-b-c-skydiver-following-accident-1.1784310

I suspect her hospital bills in Phoenix will ultimately be much higher than $500K.

Posted by
4413 posts

You're a killjoy, Ken ;-)

This is a very good reminder to read that blasted fine print. Carefully.

I really want to soar over the Alps...but now Mr Killjoy ;-) might have put the kibosh on that :-(

Dang it.

Posted by
32345 posts

Eileen,

I didn't mean to put a damper on your plans, but just to bring attention to the fact that it's important to read the fine print, and know what will be covered by travel medical insurance and what won't. It's definitely a "calculated risk" but it IS possible to soar over the Alps despite the fine print.

To provide an update, the young lady described in the story is now back in B.C. One of the local Air Evac firms gave her family a "deal" on the trip, which included the services of a Critical Care Flight Paramedic and a Critical Care Nurse. Now she'll have to figure out how to deal with the massive hospital bill.

Posted by
660 posts

I still plan on my paragliding adventure in Switzerland come September. I promised my friend and will not worry about it. Thanks Ken for the warning. Reading my travel insurance policy now because I never gave it a thought.

Posted by
20028 posts

If the parachute doesn't open I doubt the medical insurance will do much good, even if the activity is covered. Look for a policy that will cover the cost of shipping the remains home.

Posted by
2349 posts

This just in from Switzerland: Today a woman from Sacramento was severely injured while paragliding. Dressed in cowboy hat and boots, and yelling "Yee-hah" all the while, she buzzed over a pasture and tipped over several grazing cows, ringing their bells. She then dipped too low near a dairy, contaminating a large vat of butter. Finally, she landed spreadeagled on a passing cable car, surprising the riders inside. Authorities believe that alcohol may have been a factor.

Posted by
9110 posts

Generally life insurance doesn't cover jumping deaths either.

Posted by
32345 posts

@James,

"If the parachute doesn't open I doubt the medical insurance will do much good, even if the activity is covered."

That's certainly true, but in this case the parachute partially worked so the girl was fortunate to survive. There have been a few other similar cases, such as this one - http://www.today.com/news/dad-girl-16-who-survived-3-500-foot-sky-diving-2D12006531

There are many other quirks with medical insurance, so it really pays to check the policy. One thing that's really important is that of "pre-existing conditions". Also, one of the policies I used in the past had an effective term of 30 days, and if my trip was going to exceed that (because of flight delays or whatever), I had to call the insurance company to request an extension BEFORE the term expired.

Posted by
4413 posts

Hay, Karen (hiccup), I resblm reels, resemble that remark (burp).

I recently discovered a great way to get a Free ride on a gondola! ;-)

Posted by
20028 posts

Ken, obviously I wasn't serious and obviously you are 100% correct. Fortunately the most dangerous thing I do on a trip is to take my wife in a jewelry story.

Posted by
223 posts

Gee, Ken, you've ruined everything. I like to go skydiving every 45 years, and this was supposed to be the year....

Posted by
3277 posts

I was looking at travel insurance options yesterday and saw several that offered optional,extra coverage for skydiving, paragliding and bungee jumping under a "hazardous activities" or " sports activities" benefit. Mthe additional cost was $37.50'onnone plan and $60 on another ( that one included mountain climbing as well).