Zip Line Decisions

Speeding high over the Costa Rican jungle on a zip line sounded like a thrilling way for this Denver thrill seeker to see the lush tropical terrain around the coastal town of Jaco. Before he realized that the leather gloves he was given to grip the cable with were a sorry excuse for a braking system during his fifth ride, things were fine. Sadly, he was unable to slow his rapid descent here and so he ended up slamming into an attendant and a tree at the bottom of the cable, shattering his left leg and ankle.

Here, three operations, 15 pins and screws, and two plates were required for his leg to be put back together. Here, he was still able to make at least one smart travel decision despite the zip line option. When he left the US, he was able to buy supplemental travel insurance that saved himself as much as $2,000 in out of pocket expenses.

His misadventure is a good reminder for all travelers to check their insurance policy before trying a high risk sport or outdoor adventure trip. Here are some of the things you should consider. Most medical and life insurance policies have an exclusion clause that lists the high risk sports that are not covered. With regard to the list of high risk activities, it varies by provide and is based on actuarial numbers and accident statistics.

Limited to no coverage may come with white water rafting, parasailing, motorcycling, sky diving, bungee jumping, and spelunking. Consider checking the exclusion clause on your policy. Consider getting supplemental coverage to add to your existing policy.

You can cover your period of travel by availing of a year round supplemental insurance or a short term policy. What depends on your age and the amount of coverage and the services you want is the variation in prices. What is being offered by a travel insurance company is a plan which costs $218 a year for a person younger than 69.

Activities including motorcycling, skiing, and sky diving are covered by the policy as well as $10,000 in medical bills and $100,000 for medical evacuation costs per incident. What the organizers do is ensure all participants for a professional or amateur competition, such as a mountain biking race. To be safe, check with the organizer before participating in any race.

When hiring a professional guide to take one rock climbing, mountain biking, or to take part in some other adventure sport, will his insurance be capable of paying for injuries? In this case, the answer is no for guides for high risk sports typically require that clients sign a liability waiver. Here, your guide's insurance will not cover you. If, however, the guide, through negligence or failure to act, causes your injury, you might be able to sue to recover your medical cost.

When it comes to this, leave after you get the extra coverage and if something goes wrong your insurance company can try to recover your medical costs from your negligent guide. Charging members under 75 an annual fee of $225 is what a Birmingham, Alabama based company does. When members end up being injured at least 150 miles from home, they can be evacuated from almost any airport in the world. What the company offers are short term memberships such as a seven day deal for a one-time fee of $85 as well.

By: Laurynrs

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