Morav 0 #1 May 27, 2011 Would Medicare/ travel insurance cover a skydiving related injury? Does anyone have any experience with this, and for those who routinely cross the border to jump, what precautions do you take to financially cover your ass in case of an accident. Quote Share this post Link to post Share on other sites
IanHarrop 42 #2 May 27, 2011 Several provider CAA and TIC both cover skydiving. CAA depending on the province might not, but I know Alberta CAA does. TIC does across Canada."Where troubles melt like lemon drops, away above the chimney tops, that's where you'll find me" Dorothy Quote Share this post Link to post Share on other sites
goobersnuftda 0 #3 May 28, 2011 I've searched everywhere and CAA (I live in Sask) is the best. Just got a different Visa credit card and the included travel/insurance they cover if you book with them excludes "extreme sports". I know Ontario CAA get's their insurance elsewhere and skydiving is not covered but I pay $54/year for $5 Million in travel health coverage and skydiving is covered. The rules I have to follow are trips are only covered 28 continuous days or less (come back 1 day then it resets) but I don't have to register or buy when I leave, just pay the annual amount and I'm free to go anywhere in the world for 28 straight days. For that price you should have that travel insurance anyways. The US can be a scary place to take all your money away from you. Sitting in a coffee shop minding your own business and someone decides to 4x4 through the place. You wake up 18 hours later to the BEEP BEEP warning of the hospital printer because it ran out of paper (again) as they are tallying up your hospital bill. $54 is nothing to save your life style and income. Saw a bill once from a friend where a US hospital charged $18 to "prescribe" an extra strength Tylenol. yea, nice. Quote Share this post Link to post Share on other sites
hackish 8 #4 May 28, 2011 QuoteWould Medicare/ travel insurance cover a skydiving related injury? Does anyone have any experience with this, and for those who routinely cross the border to jump, what precautions do you take to financially cover your ass in case of an accident. I use the royal bank travel insurance as they don't have an exclusion for skydiving. Last year I had to use their coverage for an issue not related to skydiving and they paid all my bills without a question. -Michael Quote Share this post Link to post Share on other sites
BrokenR1 0 #5 May 28, 2011 QuoteSaw a bill once from a friend where a US hospital charged $18 to "prescribe" an extra strength Tylenol. yea, nice. Can definitely get expensive but also have to watch for padding the bill type activity. - - - - - - - - - - - - - - - - - - - - - - - - - - - - Rap is to music what etch-a-sketch is to art. Quote Share this post Link to post Share on other sites
skyfreek 1 #6 May 29, 2011 i know a guy who shattered his leg on a landing. if he didn`t have insurance for the good ol usa, his bill would be over 100 grand. go to any insurance place, and ask. if youre going only for a short time, its pretty cheap. Quote Share this post Link to post Share on other sites
kingbunky 3 #7 May 29, 2011 i use travel underwriters. had a friend injure her back at bridge day, all covered. check the terms and conditions though, things change. last time i bought it, it covered me for skydiving, as long as i wasn't competing or being paid."Hang on a sec, the young'uns are throwin' beer cans at a golf cart." MB4252 TDS699 killing threads since 2001 Quote Share this post Link to post Share on other sites
doog 0 #8 May 30, 2011 Yeah, what Bunky said. You have to check out the most current rules for any given company. I have dealt with a half dozen different ones over the years. The reason I changed coverage so many times was because they keep changing their rules. The part about "competing and professional jumping" is fairly common.DOOG Muff 846 All you people are here to make sure I have a good time. Quote Share this post Link to post Share on other sites
RachelCleary 0 #9 January 3, 2012 Hey, I know this is super late, but I'm sure some reader will see it. Travel and/or Trip insurance would be a major deal with a trip like this. I had a friend who went and she called her life insurance company to see how this would effect her policy. So, some companies won't cover this type of venture.Quote Quote Share this post Link to post Share on other sites riggerrob 643 #10 January 4, 2012 "Quote... you should have that travel insurance anyways. ... Sitting in a coffee shop minding your own business and someone decides to 4x4 through the place. You wake up 18 hours ... hospital ..." ..................................................................... So you have been to the old DZ in Hemet, California! Hah! Hah! Quote Share this post Link to post Share on other sites riggerrob 643 #11 January 4, 2012 Good thing that his nurse/girlfriend was willing to drive him home. There was a story in last week's newspaper about wounded Canadian tourists "making a run for the border." That happens far more often .. for a far wider range of injuries/illnesses, etc. than is made public. Quote Share this post Link to post Share on other sites mdrejhon 8 #12 January 4, 2012 I had an injury at CK in 2010, that was paid for by RBC Travel Insurance, covering the cost of a CT scan to make sure that I didn't have a spinal injury (it was stretched neck muscle ligaments from a slammer opening, was sore for 4 months afterwards.). I used to purchase CAA travel insurance, until they had a travel exclusion. That process itself -- was rather interesting -- The hospital was very lazy about collecting payment; and did not properly communicate to the insurance company: RBC repeatedly called the hospital trying to pay my hospital bill (a bit shy of $7K), but the hospital still sent a collection agency notice more than a year later. I faxed it to RBC, and finally the transaction was taken care of. Silly hospital for refusing payment from RBC insurance on some silly technicality (some bureaucratic paperwork technicality), from what it sounded like. The people at RBC itself was rather nice, having called a month after, to ask if I was okay and if everything has been taken care of. No questions or dispute. RBC Insurance, I believe, does not cover repatriation. After launching www.forsabine.com website in December 2011 (fundraiser website for our fellow skydiver friend that was injured at a big way I was at), I'm going to re-evaluate this. It can cost tens of thousands for a special flight/ride to take you home (i.e. paraylyzed and need to be kept continuously in a lying-down position, etc). Ideas? Quote Share this post Link to post Share on other sites RachelCleary 0 #13 January 5, 2012 What are some of the requirements to go skydiving? Do they require u to have insurance? Quote Share this post Link to post Share on other sites Andrewwhyte 1 #14 January 5, 2012 QuoteWhat are some of the requirements to go skydiving? Do they require u to have insurance? 1. Be old enough (18 yrs old in many places, 16 in others, less elsewhere) 2. Not be morbidly obese. 3. Have the fee in cash or commonly recognised credit card. Quote Share this post Link to post Share on other sites goobersnuftda 0 #15 January 8, 2012 I have a link for probably the cheapest form of insurance, FREE. Sure it doesn't really cover you for injuries but the Canadian Government does one thing for you if a natural disaster strikes. Clicky Ever wonder how when a natural disaster hits that within about 3 hours the news starts reporting exactly how many Canadians are in the area? Sure some is a guess but for those travelers who entered their Passport # and travel information, they know you are there and if an evacuation is in order, your name is on the list. So what you say? How about that Tsunami in Thailand. They use to have a boogie there you know. New Orleans had their flooding issue, Lebanon was a bad place to be in when the neighboring country had enough of the rockets being launched at them and the order was given to level Lebanon down to the 2 foot level. Sure Canada only has one plane to bring its citizens back and forth with but when all hell breaks loose and I show up at the airport (or the dock for the ship from Lebanon), I want my name on the list first instead of all the other people there waiving their passports in the air NOW trying to get on the list :) It's free. If family or some emergency needs to get a hold of you they can use the people working for Canada in that country to find you in person. PS, the wankers who work federally to maintain the gov't web site are morons. They simply love to phutz with the links and they constantly move them around. Not enough brains to leave a redirect link in the empty directory when they move the data around so don't be surprised if the link goes dead in a month or two. Just search for the keywords through Google and you'll find it. Quote Share this post Link to post Share on other sites aeroflyer 0 #16 January 11, 2012 Last time I checked, the Royal Bank of Canada insurance specifically EXCLUDES parachuting. EDIT: the policy wording here: http://www.rbcroyalbank.com/travelinsurance/pdf/RBC_THP_certificate_under60.pdf doesn't exclude parachuting, though I'm sure at some point in the past when I checked it did. Good for RBC if they removed that! I think around Nov 2010 it was excluded. I bought insurance through Travel Underwriters via CoastCapital Savings, and there was no exclusion of skydiving unless it was for work/competition. Funny though SCUBA was excluded unless certified (no intro scuba diving). I rolled my ankle at Elsinore in November, called Travel Underwriters but didn't actually make a claim, went home without having to go to hospital. They said it was covered as long as I wasnt working or competing. On the Travel Underwriters yearly policy, if you injure yourself on a trip, that injury will count as a pre-existing condition and not be covered during later trips, unless 90 days has elapsed since returning from your last trip and embarking on your next trip - this varies with age. Looking back, I would just go for the IHI BUPA coverage, up to a whole year trip length, and be done with it. I have heard good things about them covering all sorts of incidents. Quote Share this post Link to post Share on other sites RachelCleary 0 #17 January 17, 2012 Hey, try this site out for some help with your insurance. Here u go: http://www.TravelInsurance.org Have a great day... Quote Share this post Link to post Share on other sites RachelCleary 0 #18 January 17, 2012 Here's the site: [www.TravelInsurance.org] Quote Share this post Link to post Share on other sites mdrejhon 8 #19 January 26, 2012 QuoteLast time I checked, the Royal Bank of Canada insurance specifically EXCLUDES parachuting. EDIT: the policy wording here: http://www.rbcroyalbank.com/travelinsurance/pdf/RBC_THP_certificate_under60.pdf doesn't exclude parachuting, though I'm sure at some point in the past when I checked it did. Good for RBC if they removed that! I think around Nov 2010 it was excluded.They did temporarily, but not at this time. I got injured by a Sabre slammer opening (not packed by me) while travelling to the USA, my neck became immobilized so I had to be driven to the hospital. I was sore for 4 months in my neck and shoulder -- all the hospital expenses were paid for by RBC insurance for the precautionary CT scan that confirmed it was not a spinal injury, but stretched ligaments in my neck. Thankfully, I'm fully recovered. That was August 2010. Hmmm, I wonder if that was my incident that made RBC decide to add a parachuting exclusion for a short while. I did notice, but the exclusion is gone again now. They must have had a wave of cancellations that made them reconsider, or they switched reinsurance companies. I do continue to recommend RBC travel insurance. I presently have one full year of RBC travel insurance covering unlimited 14-day-and-less trips. I may be switching insurance companies when this expires, since I'd like to get repatriation insurance too (medical flights home), after helping start the fundraiser websites/Facebook pages for a fellow injured skydiver where that was not covered (www.forsabine.com) (P.S. I always now always pack my own Sabre's. Only when I get a Pilot canopy or similar, I will trust other packers to occasionally pack my canopy again.) Quote Share this post Link to post Share on other sites ShcShc11 0 #20 March 4, 2012 Thank you for the topic. Very useful Cheers Shc Quote Share this post Link to post Share on other sites Join the conversation You can post now and register later. If you have an account, sign in now to post with your account. Note: Your post will require moderator approval before it will be visible. Reply to this topic... × Pasted as rich text. Paste as plain text instead Only 75 emoji are allowed. × Your link has been automatically embedded. Display as a link instead × Your previous content has been restored. Clear editor × You cannot paste images directly. Upload or insert images from URL. Insert image from URL × Desktop Tablet Phone Submit Reply 0
riggerrob 643 #10 January 4, 2012 "Quote... you should have that travel insurance anyways. ... Sitting in a coffee shop minding your own business and someone decides to 4x4 through the place. You wake up 18 hours ... hospital ..." ..................................................................... So you have been to the old DZ in Hemet, California! Hah! Hah! Quote Share this post Link to post Share on other sites
riggerrob 643 #11 January 4, 2012 Good thing that his nurse/girlfriend was willing to drive him home. There was a story in last week's newspaper about wounded Canadian tourists "making a run for the border." That happens far more often .. for a far wider range of injuries/illnesses, etc. than is made public. Quote Share this post Link to post Share on other sites
mdrejhon 8 #12 January 4, 2012 I had an injury at CK in 2010, that was paid for by RBC Travel Insurance, covering the cost of a CT scan to make sure that I didn't have a spinal injury (it was stretched neck muscle ligaments from a slammer opening, was sore for 4 months afterwards.). I used to purchase CAA travel insurance, until they had a travel exclusion. That process itself -- was rather interesting -- The hospital was very lazy about collecting payment; and did not properly communicate to the insurance company: RBC repeatedly called the hospital trying to pay my hospital bill (a bit shy of $7K), but the hospital still sent a collection agency notice more than a year later. I faxed it to RBC, and finally the transaction was taken care of. Silly hospital for refusing payment from RBC insurance on some silly technicality (some bureaucratic paperwork technicality), from what it sounded like. The people at RBC itself was rather nice, having called a month after, to ask if I was okay and if everything has been taken care of. No questions or dispute. RBC Insurance, I believe, does not cover repatriation. After launching www.forsabine.com website in December 2011 (fundraiser website for our fellow skydiver friend that was injured at a big way I was at), I'm going to re-evaluate this. It can cost tens of thousands for a special flight/ride to take you home (i.e. paraylyzed and need to be kept continuously in a lying-down position, etc). Ideas? Quote Share this post Link to post Share on other sites
RachelCleary 0 #13 January 5, 2012 What are some of the requirements to go skydiving? Do they require u to have insurance? Quote Share this post Link to post Share on other sites
Andrewwhyte 1 #14 January 5, 2012 QuoteWhat are some of the requirements to go skydiving? Do they require u to have insurance? 1. Be old enough (18 yrs old in many places, 16 in others, less elsewhere) 2. Not be morbidly obese. 3. Have the fee in cash or commonly recognised credit card. Quote Share this post Link to post Share on other sites
goobersnuftda 0 #15 January 8, 2012 I have a link for probably the cheapest form of insurance, FREE. Sure it doesn't really cover you for injuries but the Canadian Government does one thing for you if a natural disaster strikes. Clicky Ever wonder how when a natural disaster hits that within about 3 hours the news starts reporting exactly how many Canadians are in the area? Sure some is a guess but for those travelers who entered their Passport # and travel information, they know you are there and if an evacuation is in order, your name is on the list. So what you say? How about that Tsunami in Thailand. They use to have a boogie there you know. New Orleans had their flooding issue, Lebanon was a bad place to be in when the neighboring country had enough of the rockets being launched at them and the order was given to level Lebanon down to the 2 foot level. Sure Canada only has one plane to bring its citizens back and forth with but when all hell breaks loose and I show up at the airport (or the dock for the ship from Lebanon), I want my name on the list first instead of all the other people there waiving their passports in the air NOW trying to get on the list :) It's free. If family or some emergency needs to get a hold of you they can use the people working for Canada in that country to find you in person. PS, the wankers who work federally to maintain the gov't web site are morons. They simply love to phutz with the links and they constantly move them around. Not enough brains to leave a redirect link in the empty directory when they move the data around so don't be surprised if the link goes dead in a month or two. Just search for the keywords through Google and you'll find it. Quote Share this post Link to post Share on other sites
aeroflyer 0 #16 January 11, 2012 Last time I checked, the Royal Bank of Canada insurance specifically EXCLUDES parachuting. EDIT: the policy wording here: http://www.rbcroyalbank.com/travelinsurance/pdf/RBC_THP_certificate_under60.pdf doesn't exclude parachuting, though I'm sure at some point in the past when I checked it did. Good for RBC if they removed that! I think around Nov 2010 it was excluded. I bought insurance through Travel Underwriters via CoastCapital Savings, and there was no exclusion of skydiving unless it was for work/competition. Funny though SCUBA was excluded unless certified (no intro scuba diving). I rolled my ankle at Elsinore in November, called Travel Underwriters but didn't actually make a claim, went home without having to go to hospital. They said it was covered as long as I wasnt working or competing. On the Travel Underwriters yearly policy, if you injure yourself on a trip, that injury will count as a pre-existing condition and not be covered during later trips, unless 90 days has elapsed since returning from your last trip and embarking on your next trip - this varies with age. Looking back, I would just go for the IHI BUPA coverage, up to a whole year trip length, and be done with it. I have heard good things about them covering all sorts of incidents. Quote Share this post Link to post Share on other sites
RachelCleary 0 #17 January 17, 2012 Hey, try this site out for some help with your insurance. Here u go: http://www.TravelInsurance.org Have a great day... Quote Share this post Link to post Share on other sites
RachelCleary 0 #18 January 17, 2012 Here's the site: [www.TravelInsurance.org] Quote Share this post Link to post Share on other sites
mdrejhon 8 #19 January 26, 2012 QuoteLast time I checked, the Royal Bank of Canada insurance specifically EXCLUDES parachuting. EDIT: the policy wording here: http://www.rbcroyalbank.com/travelinsurance/pdf/RBC_THP_certificate_under60.pdf doesn't exclude parachuting, though I'm sure at some point in the past when I checked it did. Good for RBC if they removed that! I think around Nov 2010 it was excluded.They did temporarily, but not at this time. I got injured by a Sabre slammer opening (not packed by me) while travelling to the USA, my neck became immobilized so I had to be driven to the hospital. I was sore for 4 months in my neck and shoulder -- all the hospital expenses were paid for by RBC insurance for the precautionary CT scan that confirmed it was not a spinal injury, but stretched ligaments in my neck. Thankfully, I'm fully recovered. That was August 2010. Hmmm, I wonder if that was my incident that made RBC decide to add a parachuting exclusion for a short while. I did notice, but the exclusion is gone again now. They must have had a wave of cancellations that made them reconsider, or they switched reinsurance companies. I do continue to recommend RBC travel insurance. I presently have one full year of RBC travel insurance covering unlimited 14-day-and-less trips. I may be switching insurance companies when this expires, since I'd like to get repatriation insurance too (medical flights home), after helping start the fundraiser websites/Facebook pages for a fellow injured skydiver where that was not covered (www.forsabine.com) (P.S. I always now always pack my own Sabre's. Only when I get a Pilot canopy or similar, I will trust other packers to occasionally pack my canopy again.) Quote Share this post Link to post Share on other sites
ShcShc11 0 #20 March 4, 2012 Thank you for the topic. Very useful Cheers Shc Quote Share this post Link to post Share on other sites
