Sports enthusiasts traveling overseas participating in any extreme sports activity should have adequate hazardous sports travel insurance coverage. US Domestic health insurance plans or common overseas travel medical insurance plans are not designed to cover hazardous sports activity, for which you must purchase sports travel insurance.
Tourists and athletes who travel abroad, for hazardous athletic activities can meet with accidents resulting in expensive medical care. To avoid paying huge medical bills, one must have adequate hazardous sports travel insurance coverage. Some competitive sports travel insurance offer coverage while taking part in competitions or professional sports.
At American Visitor insurance, athletes from any part of the globe can buy adventure travel insurance plans with coverage for extreme sports. Get free
It’s that time again when the school year is starting to kick in for kids and young adults all across the USA! I am getting regular requests for insurance for international students that will include coverage for participation in a team sport. We do have some options for these individuals, so I thought I could lay some of them out here.
One of the best international sports student insurance is the Diplomat America or the Diplomat LongTerm insurance plans offered by Global Underwriters. These plans have a collegiate sports rider in which you choose “Low”, “Middle” and “High” option depending on your sport. The main difference is the LongTerm plan allows you to extend the policy and it also allows up to 90 day trips back to your home country (per year).
The Diplomat America only allows 14 days of travel back to the home country (after which the policy will expire). The sports covered are: (1) Low Option - additional $34 flat monthly rate: Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo (Horse); Polo (Water); Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleyball. (2) Middle Option - additional $48 flat monthly rate: Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing (Slalom, Giant Slalom, Downhill); Ski Jumping; Wrestling. (3) High Option - additional $102 flat monthly rate: Football (No Division One); Gymnastics; Rugby (No Division One); Soccer. This plan will cost about $87 per month for a 21 year old (without the athletic sports rider).
Another high school sports insurance for international students option is the Patriot Exchange insurance offered by IMG. It is much more economical than the Diplomat America plan, however, it does NOT include varsity sports teams regulated by the National Collegiate Athletic Association (NCAA) nor the National Association of Intercollegiate Athletics (NAIA). You only get this coverage if you choose the “Add-on” Rider (NOT the Adventure Sports Rider). This plan can also be used to cover high school sports team participation and can be a good fit for many student athletes. Coverage of $250,000 maximum with a $100 deductible starts at $73 per month for a young adult (without the add-on; +$7 with the add-on).
There are a few other student plans that include coverage for student athletes on club teams and sports teams, but they limit coverage to $5000 or less, such as the Navigator for Student (by GeoBlue), StudentSecure Select plans (by WorldTrips), and Student Health Advantage plans (by IMG).
If you have questions about these plans or other situations for your student, please do not hesitate to call our friendly staff so we can advise you and guide you to the best choice for your student. Happy studying!
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Diplomat America and Diplomat Long term plans provides coverage if Your Injury or Illness results from the below optional Athletic Sports & Hazardous activities. The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
For the below listed activities apply the 1.25 factor to the base premium: BMX; Bobsledding; Bungee Jumping;Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate ; Motor Scooter; Motorcycling;Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving ; Snow Skiing ; Snowboarding; Snowmobiling; Spelunking/Caving; Surfing ; Trekking ; Wakeboarding; Water skiing; Whitewater Rafting ; Wind Surfing; Zip Lining.
For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:
For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, apply the 1.25 factor to the base premium plus the monthly flat rate listed:
Gives you the option of purchasing additional protection to cover your adventures. Medical expenses related to hazardous activities can be covered for an additional 20% of your total premium. The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The following items will become covered with the purchase of the Hazardous Activities rider:
Provides an additional $50,000 coverage for those participating in intercollegiate or interscholastic sports. This rider is available for just an additional $2.00 per person, per day.
Atlas Travel Insurance plans includes coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports skiing and snowboarding (recreational downhill and/or cross country), snorkeling, water skiing, and others at no additional cost. Certain extreme sports are excluded from coverage.
Patriot America Plus, Patriot America Lite, Patriot Platinum America , Patriot International Lite and Patriot Platinum International from IMG covers Optional Adventure sports Rider. The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Adventure Activities : This plans covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing. These sports available up to 65 years.
Safe Travels USA, Safe Travels USA Comprehensive and Safe Travels International plans covers Optional sports activity coverage . The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Adventure Activities :Covers up to $50,000 - provides coverage while performing, practicing, or participating listed Sports only. Collision and Extreme Sports are excluded.
If coverage is purchased for Class 1: this benefit provides coverage to the Covered Person while performing, practicing, or participating in archery, tennis, swimming, cross country, track, volleyball, and golf.
If coverage is purchased for Class 2: includes following sports, ballet, baseball, basketball, cheerleading, equestrian, fencing, field hockey, football (except division 1), gymnastics, hockey (no league play), karate, lacrosse, polo, rowing, rugby, soccer, and softball.
Any Sport Activity not expressly covered hereunder is excluded from this Policy unless the activity is noncontact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.
Travel Medical Basic, Travel Medical Choice, Travel Medical Global Basic and Travel Medical Global Choice plans covers adventure sports up to policy maximum. The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Adventure Activities : Bungee jumping; caving; hang gliding; hot air ballooning as a passenger; jet skiing; kayaking, excluding white water; motorcycle up to 250cc or motor scooter riding whether as a passenger or a driver; Micromobility Vehicle(s); non-hunting safaris, including boat safaris, bush walking, camping or lodging, game drives, horseback or camel safaris, night safaris, or walking safaris; Parachuting; paragliding; parasailing; scuba diving only to a depth of thirty (30) meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; Sky Diving in tandem with an instructor; snowmobiling; spelunking; surfing, bodyboarding, or wakeboard riding waves up to two (2) feet high as forecasted by the National Weather Service or similar government entity; water skiing; windsurfing; or zip lining.
You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, Micromobility Vehicle, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where You are located in the Destination Country.
Adventure sports travel insurance offers coverage for injuries that happen while taking part in activities that are considered high-risk, such as scuba diving, skydiving, bungee jumping, mountaineering and much more. It's essential to review the policy documents to understand which sports are covered and any exclusions that may apply.
Coverage for pre-existing sports injuries may vary depending on the insurance provider and policy. Some policies may offer limited or no coverage for pre-existing injuries, while others may provide partial or full coverage after a waiting period. Review the policy details to understand coverage for pre-existing sports injuries.
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