D.C. Commissioner Recommends Reviewing Policies for Winter Activities

Washington, D.C.’s top insurance regulator is advising consumers to review their insurance policies and see whether they are covered for common winter activities.

William White, commissioner for the District of Columbia Department of Insurance, Securities and Banking, says there are insurance considerations to review before bundling up and braving the cold.

He says some consumers may be literally left out in the cold without the right policy — so it’s never too early to begin making preparations. Here are some of the commissioner’s recommendations.

• Skiing: before jumping on a ski lift or take a run down on a favorite slope, it is a good idea to check homeowners or renter’s policy, as well as health insurance, just to know what to do in case of an accident or a loss.

Generally, personal ski equipment will be covered up to a specific limit by the homeowners or renter’s policy. Check the limit in policy and decide if that will be enough to replace the equipment if it is damaged or stolen. When checking, remember to factor in the deductible.

And because the insured may be out of town without access to the family physician or local hospital, one should make sure to review emergency medical treatment requirements — for instance, would the insured be required to seek medical treatment at a certain hospital or urgent care center? What’s the emergency room co-pay? If the insureds need to fill prescriptions, do they have to go to a certain pharmacy? It never hurts to have a list of these details.

• Snowmobiles: snowmobiles are not covered under typical homeowners, renter’s or auto insurance policies. So, for the insured who may be worried about the property or personal liability while operating these machines, talk with an insurance agent about a separate snowmobile insurance policy.

• Travel insurance: whether planning a getaway to somewhere warm or headed to a snowy destination, travel this time of year can be uncertain. Airports around the U.S. and Europe are already experiencing delays and cancellations because of winter weather. Travel sites and airlines offer travel insurance for people worried about not getting to their destination, or getting stuck far away from home. Travel insurance can cover everything from lost luggage to delays and cancellations.

• Snow plowing: if the insured has a plow on a truck and is ready to help friends by volunteering to remove the snow in their driveway, the personal auto policy should cover the insured’s liability and any property damage the insured might cause. But, before offering to help, read through the policy. If, however, the insured is using that blade to make a little extra cash this winter, the personal auto insurance policy will not likely provide coverage.

• Snow removal at home: generally, the homeowners or renter’s policy will cover liability for injuries, should someone slip and fall on the insured’s property. However, the insurance company is going to expect that the policyholder is performing due diligence to make the walks around the home safe for visitors.

• Winter illness: doctors’ offices are crowded during cold and flu season, making a trip for a sore throat or an earache potentially time-consuming. The health insurance may offer alternatives to waiting at the doctor’s office. Ask the health insurer whether its plan includes a nurse answer line that can answer questions about symptoms. Or, check to see if the local pharmacy has a quick treatment center that accepts the insured’s health insurance. However, for any prolonged or acute illness, it is best to see a doctor in person.

Article source: http://www.insurancejournal.com/news/east/2011/12/20/228266.htm

Patriot Adventure Travel Medical Insurance, Purpose #4

These plans Patriot Adventure International Travel Medical Insurance and Patriot Adventure America Travel Medical Insurance are for those of you who are Adventure Sports enthusiasts, it is obtainable for adventure sports enthusiasts from the U.S. as nicely as non-U.S. citizens. Each of these Patriot Adventure Travel Medical Insurance plans are available from a minimal of 30 days up to a maximum of 6 months.

Patriot Adventure Travel Medical Insurance coverage advantage highlights: Maximum restrict of ,000, Individual Deductible of , No Coinsurance for therapy received outside the U.S. and Canada For remedy received inside the U.S. and Canada the strategy pays 90% of eligible expenses up to ,000 then 100% up to the policy maximum if therapy is received within the PPO Network. If therapy is received outside of the PPO Network the strategy pays 80% up to ,000 then 100% up to the strategy maximum. The Benefit period is six months. 24 hour access to MyImg. Each plans consist of world-class medical advantages for both in-patient and out-patient treatment. Both plans also include International Medical Care: emergency evacuation, emergency reunion, return of mortal stays, political evacuation and a lot more.

Here are the Schedule of Positive aspects, Additional Benefits, International Emergency Care and Optional Riders. Routine of Benefits:

All of the following are covered Up to the Maximum Restrict: Hospital Area and Board, Intensive Care, Medical Expenses, Local Ambulance, Prescription Drugs, Emergency Area Accident, Dental – Due to Accident.
Emergency Room Illness with no In-patient Admission – Up to Maximum Limit with additional deductible, Dental – Sudden Pain – up to , Indemnity (for U.S. Citizens only) – up to per night.

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Extra Benefits:

Sports and Actions Coverage: up to maximum restrict for simple sports, Sudden Recurrence of a Pre-existing Condition – Medical (for U.S. Citizens only) – up to ,000 of eligible charges and costs, Sudden Recurrence of a Pre-present Condition – Emergency Medical Evacuation (for U.S.+ Citizens only) – up to ,000 of eligible charges and costs, Frequent Carrier Accidental Death – ,000 to beneficiary maximum of ,000 per household, Lost Luggage – up to per item of personal home maximum of per Period of Coverage.

Adventure Sports and Activities Covered:

Non-Get in touch with Amateur Athletic Actions, BMX, Bungee Jumping, Canyoning, Spelunking, Caving, Cave Tubing, Flying, Hang Gliding, Windsurfing, Heli-Skiing, Higher Diving, Horseback Riding, Hot Air Ballooning, Jungle Zip Lining, Kayaking, Inline Skating, Motorcycle/Motorscooter Riding, Mountain Biking, Mountaineering (ropes and guides to four,500 meters from ground degree), Rappelling, Rock Climbing (ropes and guides to 4,500 meters from ground degree), Skydiving, Paragliding, Parascending, Scuba Diving to 50 meters, Snorkling, Snow Skiing, Snowboarding, Snowmobiling, Surging, Trekking, Jet Skiing, Water Skiing, Wakeboarding, Whitewater Rafting to Class V, Wildlife Safaris
Not Covered: Get in touch with sports, skilled sports and any athletic activities that are organized and/or sanctioned by the National Collegiate Athletic Association (or any other collegiate sanctioning body) or the International Olympic Committee.

International Emergency Care:

Emergency Medical Evacuation – up to the Maximum Limit, Emergency Reunion – up to ,000, Return of Mortal Remains – up to ,000, Political Evacuation – up to ,000.

So if you’re planning a trip which will include your favorite Intense Sports go to the hyperlinks under and examine out Patriot Adventure International Travel Medical Insurance and Patriot Adventure America Travel Medical Insurance, you can’t go wrong. http://www.GlobalTravelCoverage.com.

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Travel Medical Insurance coverage – Optional Riders

Travel Medical Insurance policies should provide Optional Riders this kind of as: Adventure sports rider for these extreme sports fans amid us, enhanced AD&ampD rider accessible to the major insured and a Citizenship return rider to supply temporary medical coverage for non-U.S. Citizens returning to their country of citizenship or for U.S. citizens supplies up to 60 days of coverage for brief returns to the U.S. Distinct travel medical insurance coverage policies may have a choice of different optional riders.

Why are Optional Riders important to you? Properly it really depends on your needs. For illustration if you are an intense sports enthusiast you would be interested in the Adventure Sports Rider. This rider should be available on a excellent Travel Medical Insurance policy and covers things like:

Non-Contact Amateur Athletic Activities, BMX, Bungee Jumping, Canyoning, Spelunking, Caving, Cave Tubing, Flying, Hang Gliding, Windsurfing, Heli-Skiing, High Diving, Horseback Riding, Hot Air Ballooning, Jungle Zip Lining, Kayaking, Inline Skating, Motorcycle/Motorscooter Riding, Mountain Biking, Mountaineering (ropes and guides to four,500 meters from ground level), Rappelling, Rock Climbing (ropes and guides to four,500 meters from ground degree), Skydiving, Paragliding, Parascending, Scuba Diving to 50 meters, Snorkling, Snow Skiing, Snowboarding, Snowmobiling, Surging, Trekking, Jet Skiing, Water Skiing, Wakeboarding, Whitewater Rafting to Class V, Wildlife Safaris. These Adventure Actions need to be engaged in soley for leisure, recreation or entertainment purposes. Actions may be organized and consist of scheduled practices, games, and/or competitions. Activities not covered incorporate: Speak to Sports, Specialist Sports and any athletic actions that are organized and/or sanctioned by the NCAA (or any other collegiate sanctioning physique) or the International Olympic Committee.

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The Enhanced Ad&ampD Rider is obtainable to the primary insured and gives up to an additional ,000 from the default ,000 of the policy.

A Citizenship Return Rider is readily available when bought at the time of application, it supplies short-term medical coverage for non-U.S. Citizens returning to their nation of citizenship. For U.S. Citizens, the rider gives for up to 60 days of coverage for short returns to the U.S. supplied you have a current well being strategy in force and have resided outdoors the U.S. continuously for the previous six months.Coverage for sudden recurrence of a pre-existing conditions is excluded if the rider is chosen.

When these Optional Riders are readily available on a very good Travel Medical Insurance policy you can have the total package in 1 policy. Constantly look to see if any Rider you may require is obtainable, if you have concerns about it then ask the agent you are operating with. You can locate out how to get your travel insurance coverage on-line at http://www.globaltravelcoverage.com or contact the agent there using their speak to form.

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