{"id":7782,"date":"2021-10-11T11:47:43","date_gmt":"2021-10-11T15:47:43","guid":{"rendered":"https:\/\/www.internationalstudentinsurance.com\/blog\/?p=7782"},"modified":"2021-10-14T12:02:15","modified_gmt":"2021-10-14T16:02:15","slug":"insurance-coverage-for-organized-adventure-and-recreational-sports","status":"publish","type":"post","link":"https:\/\/www.internationalstudentinsurance.com\/blog\/2021\/10\/insurance-coverage-for-organized-adventure-and-recreational-sports.html","title":{"rendered":"Insurance Coverage for Organized, Adventure, and Recreational Sports"},"content":{"rendered":"\n
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For the past two weeks, I\u2019ve been visiting my sister, helping to take care of her after she suffered a season ending knee injury while playing in a high-level club ultimate frisbee tournament. This has been a challenging time for her – she can\u2019t walk on her own and is having to take time off from her job as a physical therapist. As stressful as this has been, one thing she hasn\u2019t had to worry about is the cost of her medical bills. From the initial MRI, outpatient surgery and anesthesia costs, to a wheelchair, follow-up appointments, and bi-weekly physical therapy appointments, she is thankful that she has an insurance plan that will cover these expenses. <\/p>\n\n\n\n

As an international student, it\u2019s important that you have insurance in place to cover you in case the unexpected happens. If you\u2019re someone who participates in sports, you are at a greater risk of getting hurt, so it\u2019s even more important to make sure you have a plan that covers sports-related injuries. In this blog post, we\u2019ll discuss the different categories of sports – from organized sports, adventure sports, and recreational sports – and what insurance options are available to cover each situation! <\/p>\n\n\n\n

Organized Sports <\/strong><\/h2>\n\n\n\n

If you play sports through your high school, college, or university, or if the sport involves organized practices, games, or events, it would be considered an organized sport. Interscholastic, intercollegiate, intramural, and club sports are all considered organized sports. <\/p>\n\n\n\n

Health Insurance Options for Organized Sports <\/strong><\/h4>\n\n\n\n

Some schools may have health insurance coverage in place specifically for athletes that will cover them during practices and games, but this may not always be the case. If you partake in organized sports through your school or are involved in a club sport, you\u2019ll want to make sure to confirm what coverage, if any, will be provided to you. <\/p>\n\n\n\n

Traditional travel insurance plans don\u2019t commonly include coverage for organized sports, but many plans designed specifically for international students will either include this coverage or will allow you to add an optional rider to cover these kinds of sports, normally up to a maximum limit per injury. Below, you\u2019ll see four different plan options that are offered at ISI that either include sports coverage or that allow you to add an optional rider to include coverage for organized sports. <\/p>\n\n\n\n

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\n
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Student Secure Plan<\/a><\/td>

ISI Protect Plan<\/a> <\/td>

Student Health Advantage Plan<\/a> <\/td>

Patriot Exchange Plan<\/a> <\/td><\/tr>

Coverage for Interscholastic, Intercollegiate, Intramural, and Club Sports can be added as an Optional Sports Rider<\/span><\/td>Includes coverage for School Sports <\/td>Includes coverage for Interscholastic, Intercollegiate, Intramural, and Club Sports <\/td>Coverage for Interscholastic Athletics, Intramural Sports and Club Sports can be added as an Optional Add-On Rider<\/span> <\/td><\/tr>
Smart:<\/strong> Not Covered
Budget:<\/strong> $3,000 maximum per injury 
Select and Elite:<\/strong> $5,000 maximum per injury<\/td>		Economy:<\/strong> Not Covered
Economy Plus, Business Class and First Class:<\/strong> $5,000 per injury <\/td>		Standard and Platinum:<\/strong> $5,000 per injury<\/td>Covered up to the selected per injury\/illness maximum <\/td><\/tr><\/tbody><\/table><\/table><\/figure>\n\n\n\n

It\u2019s important to remember that semi-professional and professional sports, or any activity that is performed in a professional capacity or for any wage, reward, or profit would not be covered by these plans. <\/p>\n\n\n\n

Adventure Sports<\/strong><\/h2>\n\n\n\n
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Are you an adrenaline junkie who spends your weekends mountain climbing, bungee jumping, or skydiving? If so, you\u2019ll want to make sure that you have a health insurance plan that includes coverage for adventure sports. <\/p>\n\n\n\n

Adventure sports are defined as activities undertaken for the purposes of recreation, an unusual experience, or excitement. These activities are typically undertaken outdoors and involve a medium degree of risk. Activities like bungee jumping, canyoning, zip lining, skydiving, and windsurfing are all considered to be adventure sports.<\/p>\n\n\n\n

Health Insurance Options for Adventure Sports <\/strong><\/h4>\n\n\n\n

Generally, health insurance plans will include coverage for recreational sports and activities, but the policy wording will include a list of specific activities, mainly consisting of adventure sports, that won\u2019t be covered by the plan. If you\u2019re someone who likes to partake in adventure sports, you\u2019ll want to make sure your health insurance plan would cover you in case you were to get injured during the activities that you enjoy. <\/p>\n\n\n\n

While some plans will include limited coverage for adventure sports, and others will exclude them all together, there are plan options available that allow you to add an adventure sports rider that will cover certain adventure sports. At ISI, we offer three different plan options that allow you to add a rider to your plan that will cover specific adventure sports. <\/p>\n\n\n\n

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Patriot Travel Plan<\/a> <\/td>

Patriot Exchange Plan<\/a> <\/td>

Student Health Advantage Plan<\/a> <\/td>


ISI Protect <\/a><\/td><\/tr>

Sports Covered by the Adventure Sports Rider: <\/strong>
abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; whitewater kayaking or whitewater rafting in water less than Class V difficulty; wildlife safaris; and windsurfing<\/td>		Sports Covered by the Adventure Sports Rider: <\/strong>
abseiling, BMX, bob-sledding, bungee jumping, canyoning, caving, hot air ballooning, kitesurfing and kiteboarding, mountaineering below 4,500 meters from ground level, zip lining, parachuting, paragliding, parascending, rappelling, scuba-diving or sub-aqua pursuits to a depth not to exceed 20 meters skydiving, spelunking, whitewater kayaking or whitewater rafting in water less than Class V difficult, wildlife safaris, windsurfing <\/td><\/tr>
Lifetime Maximum<\/strong>
Age 0 to 49: $50,000
Age 50 to 59: $30,000
Age 60 to 64: $15,000<\/td>		Lifetime Maximum<\/strong> 
Age 15 to 49: $50,000 
Age 50 to 59: $25,000 
Age 60 to 64: $10,000 <\/td><\/tr><\/tbody>\n<\/table><\/table><\/figure>\n\n\n\n

Please keep in mind that there are some adventure sports that won\u2019t be covered, even if the adventure sports rider is added, so it\u2019s important to review the plan wording or contact the insurance carrier prior to purchasing the plan to confirm if a specific activity would be covered. <\/p>\n\n\n\n

Recreational, Leisure, and Fitness Sports <\/strong><\/h2>\n\n\n\n
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Even if you don\u2019t play a sport for your school, or you\u2019re not into high-risk adventure sports, you\u2019ll still want to make sure you are covered if you like to participate in any recreational, leisure, or fitness sports. These kinds of activities are non-organized, non-contact, non-collision, and are solely for recreational, entertainment or fitness purposes. <\/p>\n\n\n\n

If you like to go for a run to destress, are a member at your local gym or participate in group fitness classes, or if you just like to play tennis with your friends for fun, you will want to have coverage for recreational, leisure, and fitness sports and activities. <\/p>\n\n\n\n

Health Insurance Options for Recreational, Leisure, and Fitness Sports <\/strong><\/h4>\n\n\n\n

The good news is that recreational, leisure, and fitness sports are normally included in the general medical benefits of most international student health insurance plans and travel medical insurance plans. As long as the activity does not involve regularly scheduled practice and\/or games, is not considered an intercollegiate, interscholastic, intramural, or club sport, is not performed in a professional capacity or for any wage, reward, or profit, and is not related to any of the sports and activities listed in the general exclusions of the plan wording, recreational, leisure, and fitness sports would be covered the same as any other injury or illness covered by the plan. Most of the plans we offer at ISI include coverage for these activities, and some different options are highlighted below. <\/p>\n\n\n\n

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Student Secure Plan<\/a><\/td>

Atlas Travel Plan<\/a> <\/td>

Student Health Advantage Plan<\/a> <\/td>

Patriot Travel Plan<\/a> <\/td><\/tr>

Coverage for Recreational, Leisure, and Fitness Sports: <\/strong>
Covered up to the Maximum Limit <\/td><\/tr><\/tbody><\/table><\/table><\/figure>\n\n\n\n

Whether you\u2019re someone who plays for your school\u2019s basketball team, likes to get your blood pumping with adventure sports, or just enjoys staying fit by going to the gym, it\u2019s important to always make sure you are prepared in case the unexpected happens. When considering what health insurance plan is best for you, you will want to make sure you\u2019re covered for whatever activities you participate in, so make sure to review the benefits and exclusions before purchasing a plan. If you have questions on specific activities that may or may not be covered, please contact us<\/a> for assistance.<\/p>\n","protected":false},"excerpt":{"rendered":"

For the past two weeks, I\u2019ve been visiting my sister, helping to take care of her after she suffered a season ending knee injury while playing in a high-level club ultimate frisbee tournament. This has been a challenging time for her – she can\u2019t walk on her own and is having to take time off […]<\/p>\n","protected":false},"author":19,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[107,611,104,99],"tags":[1323,1583,1586,1451,1574,1575,384,688,1584,1585,1448,1578,1579,1576,387,386,1577],"class_list":["post-7782","post","type-post","status-publish","format-standard","hentry","category-health-and-safety","category-student-health-insurance-2","category-international-students-in-the-usa","category-student-insurance","tag-adventure-sports","tag-club-sports","tag-fitness-sports","tag-health-insurance-plan","tag-injury","tag-insurance-plan","tag-intercollegiate-sports-coverage","tag-international-student","tag-interscholastic-sports","tag-intramural-sports","tag-medical-bills","tag-organized-sports","tag-recreational-sports","tag-sports","tag-sports-coverage-for-international-athletes","tag-sports-coverage-for-international-students","tag-sports-related-injuries"],"_links":{"self":[{"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/7782","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=7782"}],"version-history":[{"count":14,"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/7782\/revisions"}],"predecessor-version":[{"id":8231,"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/7782\/revisions\/8231"}],"wp:attachment":[{"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=7782"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=7782"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=7782"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}