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  1. #1
    Cranks McGivins eavonius's Avatar
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    Do you need separate medical insurance for injuries sustained while racing?

    I've got medical insurance through my job, if I were to fall and break anything while racing, do you know of any providers that would deny the claim because of racing (e.g. do I need separate coverage)?

    Thanks.

  2. #2
    Senior Member Brian Ratliff's Avatar
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    No. You might want separate coverage to bolster what you have now, but if your health insurance doesn't cover injuries, I'd be seriously thinking about a different insurance company.
    Cat 2 Track, Cat 3 Road.
    "If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter

  3. #3
    Cranks McGivins eavonius's Avatar
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    Thanks, I just didn't know if it was common practice for insurance providers to pull some crap about not covering "excessively dangerous activities" or something.

  4. #4
    gmt Grumpy McTrumpy's Avatar
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    not unless they borrowed something from the automobile insurance policymakers.


    I wouldn't put it past them, but I have never heard of such a thing being done so far.

  5. #5
    **** that mattm's Avatar
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    In the last insurance thread I thought someone mentioned that "racing for $$" was explicitly excluded in some plans..

    Fwiw if you do need race-insurance, this is one source: http://www.adventureadvocates.com/
    cat 1.

    blog

  6. #6
    Senior Member Brian Ratliff's Avatar
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    Quote Originally Posted by eavonius View Post
    Thanks, I just didn't know if it was common practice for insurance providers to pull some crap about not covering "excessively dangerous activities" or something.
    Yea, maybe it's a theoretical concern, but bike racing isn't illegal in the US, and it doesn't actually get back to the insurance company that you were in a "bike race" (if they even know what that means). The ER will record it as a "bicycle accident", and your doctor probably won't even ask except in passing.

    I've crashed three times in races; been in the ER once and to my doctor twice and even had to visit a hand surgeon to fix my finger... insurance pulled through every time.
    Cat 2 Track, Cat 3 Road.
    "If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter

  7. #7
    Senior Member Brian Ratliff's Avatar
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    Quote Originally Posted by mattm View Post
    In the last insurance thread I thought someone mentioned that "racing for $$" was explicitly excluded in some plans..
    ...
    I think they are talking about "racing for a paycheck", as in, professionally. I don't think that $15 coupon to Burger Hutt will qualify as "racing for $$".
    Cat 2 Track, Cat 3 Road.
    "If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter

  8. #8
    Cranks McGivins eavonius's Avatar
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    Cool thanks again guys, I just checked with our HR person at my employer and she confirmed that anything I do during the race to myself is covered. Not that I want to crash (hell no!).

  9. #9
    VeloSIRraptor
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    Quote Originally Posted by mattm View Post
    Fwiw if you do need race-insurance, this is one source: http://www.adventureadvocates.com/
    I had that insurance for the year I was unemployed - the coverage was fantastic and the premiums were cheap.

    That said, the coverage amounts have dropped and the premiums are way higher now... i dropped it two months ago when my work insurance went active. The deals now are okay, but not all that fantastic - a good option, but be sure to shop around as well.
    Quote Originally Posted by shovelhd View Post
    If it comes down to a field sprint, you probably won't win, so don't let it.

  10. #10
    Making a kilometer blurry waterrockets's Avatar
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    Quote Originally Posted by eavonius View Post
    Cool thanks again guys, I just checked with our HR person at my employer and she confirmed that anything I do during the race to myself is covered. Not that I want to crash (hell no!).
    So, you gonna head to the Driveway tomorrow night?

  11. #11
    pan y agua merlinextraligh's Avatar
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    Quote Originally Posted by mattm View Post
    In the last insurance thread I thought someone mentioned that "racing for $$" was explicitly excluded in some plans..

    Fwiw if you do need race-insurance, this is one source: http://www.adventureadvocates.com/
    The answer, as with any i nsurance question is that you have to read the policy.

    That said, I think the discussion in the other thread related to disability insurance, not medical insurance.

    It would not surprise me for a disability policy to exclude injuries from various activities considered to be high risk, and that could include bicycle racing.

    It would surprise me for a regular medical insurnace policy to exclude medical costs from injuries from a bicycle race.

    But if you want a reliable answer, you have to read the policy, or at least talk to your agent.
    You could fall off a cliff and die.
    You could get lost and die.
    You could hit a tree and die.
    OR YOU COULD STAY HOME AND FALL OFF THE COUCH AND DIE.

  12. #12
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    Isn't there some sort of medical insurance part of the USAC license? I think it's not a great package and has something like a $5,000 deductible, but it is something.

  13. #13
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    This is topical because a race here has gone "Non-USACycling". The Quabbin race in MA this year is not an "official" race. Waaay back when I started racing, even racing in a non-USCF event could cost you your license. But that doesn't seem to be the case any more (I actually read the rules). So what is the downside to racing Quabbin this year? If my regular insurance "probably" covers it, and since almost certainly there will be a waiver (as even USAC races have), then what really does USAC vs non-USAC mean?

  14. #14
    Draught jwible's Avatar
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    I went through this with motorcycle racing. The response from the carrier was -- as long as it's a hobby and not professional you're fine.

    I then proceeded to wrack up about $40k in hospital bills from one stupid crash.

    But to be safe, call your insurance company first. And be sure to state it's amateur bicycle racing. No matter how good you are, if you ain't paid to ride you're an amateur in the eyes of the insurance company.

  15. #15
    pan y agua merlinextraligh's Avatar
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    Quote Originally Posted by jwible View Post
    And be sure to state it's amateur bicycle racing. No matter how good you are, if you ain't paid to ride you're an amateur in the eyes of the insurance company.
    Again, you have to read your policy. That would turn on the language in the definitions. It's possible that the fact that prize money was available, and or the fact that you get expenses paid by your team could be sufficient to trigger an exclusion.

    These things turn on carefully worded provisions, and I would not be comfortable relying on blanket assertions without reading the specific policy.
    You could fall off a cliff and die.
    You could get lost and die.
    You could hit a tree and die.
    OR YOU COULD STAY HOME AND FALL OFF THE COUCH AND DIE.

  16. #16
    Senior Member
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    Quote Originally Posted by Brian Ratliff View Post
    I think they are talking about "racing for a paycheck", as in, professionally. I don't think that $15 coupon to Burger Hutt will qualify as "racing for $$".
    This is generally the case. There have been a few freestyle BMX guys who had nasty head injuries without insurance because they could not get an insurance policy due to their dangerous occupation.

  17. #17
    Cranks McGivins eavonius's Avatar
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    Quote Originally Posted by waterrockets View Post
    So, you gonna head to the Driveway tomorrow night?
    Nah, resting up for this weekend. I might try that out at some point but crits kinda freak me out.

  18. #18
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    I've always used my insurance without a problem. I've always said I fell off my bike...Unless I was hit by a car then it was paid for by the car owner's insurance.

  19. #19
    Making a kilometer blurry waterrockets's Avatar
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    Quote Originally Posted by eavonius View Post
    Nah, resting up for this weekend. I might try that out at some point but crits kinda freak me out.
    It's not usually as much a crit as a circuit. If you pick it up on a night when it's just the lower course, it's going to be safer than a road race for sure.

  20. #20
    Making a kilometer blurry waterrockets's Avatar
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    Quote Originally Posted by eavonius View Post
    Nah, resting up for this weekend. I might try that out at some point but crits kinda freak me out.
    It's not usually as much a crit as a circuit. If you pick it up on a night when it's just the lower course, it's going to be safer than a road race for sure.

  21. #21
    Draught jwible's Avatar
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    Nice double tap.

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    fyi...

    I had insurance from a MAJOR company and was twice denied coverage for excessively dangerous activities...once speedskating, once racing...I filed every claim I could find and even had a lawyer work on it for me...

    I now have Adventure Advocates which covers almost anything that happens while riding and I race under USA cycling or UCI so am covered while racing to a point. Although, I am looking into catastrophic insurance also...

  23. #23
    Making a kilometer blurry waterrockets's Avatar
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    Quote Originally Posted by jwible View Post
    Nice double tap.
    Mods don't get the 30" post warning, but there's a forum bug that double posts often

  24. #24
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    Quote Originally Posted by waterrockets View Post
    Mods don't get the 30" post warning, but there's a forum bug that double posts often
    Often? Thats an understatement.
    EOL Ra Ra F
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  25. #25
    Senior Member
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    Quote Originally Posted by circlegirl View Post
    I had insurance from a MAJOR company and was twice denied coverage for excessively dangerous activities...once speedskating, once racing...I filed every claim I could find and even had a lawyer work on it for me...
    Please share the name of the company so that us with that company can be prepared.

    Aetna covered my wreck last year with no issues. They just wanted to know if a car was involved.
    EOL Ra Ra F
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