Basejumper.com - archive

Someone tell me if this is not awesome!

http://www.hccmis.com/parachuting-insurance/#accident

Because if you ask the,, BASE jumping is a direct exclusion, so that is why it's not awesome.

what about terrain flying from a helicopter?? ...hint hint..."helicopter"

Where did you find the exclusions?

Their website is definitely misleading if BASE is excluded:


That sure sounds like they're describing BASE to me. Exit from solid ground, free fall, then open a parachute?

if you look in the list of exclusions number 54 lists BASE jumping.

they cut it off after a couple of us cost them too much money.

sorry.

Can you point me at the list of exclusions? I honestly can't find it on their website.

http://www.hccmis.com/...-insurance-coverage/

Yep. There it is.

Seems like they're engaged in false advertising on their web site then.

also under #27...

yeah, it's very misleading. if i didn't have friends that recently talked with them on the phone specifically requesting if they still were covered i'd have never known.

So currently there is no travel insurance that covers BASE, correct? We're all just SOL for the time being?

http://www.worldnomads.com/travel-insurance/

World Nomad specifically says they do if you are a citizen of the USA and purchase their explorer plan.

Many of us bought insurance through Global Underwriters for the recent event in Mexico. However I am pretty sure someone on the trip after the fact said they found out it wouldnt have covered it even though we were told it would.

Took me 5 minutes to find the exclusions (Section 6aa):

"snowsports or parachuting unless you have purchased the WorldNomads.com Explorer Plan. Paragliding, mountaineering and base jumping are excluded from all plans"

Take care...

I think the policy is different in different countries. What did you select as your place of residence?

When I select USA, it indicates that "BASE jumping", "Skydiving" and "Parachuting" are all covered under the Explorer plan to $100,000.

But when I indicate that I am from Germany, it says "Base jumping * (no cover for this sport for purchases or extensions on or after 01 February 2012) (2)".

Perhaps we ought to look through the list to see what country has the best coverage, and then get someone in that country to set up a 'hostel' we can all live in--or at least use as our permanent address while we travel.

As I mention in my previous post, if you are a resident of the USA. For some reason it and many other policies do not cover German citizens. We found this out trying to get coverage for another German jumper for an event.


Tracey is that you?

My fault. Since it said "...in all plans" I expected it to be exluded in all countries as well. And in fact I choose germany as country.

Well...take care anyways

Hey guys, Brian here - I dug into this a month ago and posted this. Have a read:

After reviewing the fine print of HCC's Atlas policy (at pg. 12, paragraph 27 of ‘Other Exclusions’ found here) BASE jumping is now expressly excluded.

I called HCC to have Brandi Peyton clarify (she's a sales rep for HCC who previously posted on the travel insurance thread). She's no longer with the company, but a supervisor named Ron confirmed that HCC no longer covers BASE related injuries at all. He said it became prohibitively expensive after receiving multiple six-figure claims from BASE jumpers in the last year alone. Ron can be reached at: (317) 262-2132 and is willing to answer jumpers' questions. Again, this pertains to any policies issued AFTER April 1, 2013.

He recommended trying http://www.insuremytrip.com, an online brokerage that apparently allows side-by-side comparisons of sports-related policies, but I haven't checked it out yet.

I hae been dealing with Jeff from http://www.pacificadvisors.net/
He found me some

What's the maximum on your coverage? Is it $500,000?

I think pacificadvisors.net is the best option for foreigners visiting the USA at this point (if I remember right I was the one who pointed you at them).

$500k is going to be enough for most accidents in Idaho or Utah. My 1999 accident (low pull with DW) ran about $700k i Idaho, but that was with around 75 days of hospital time and some really serious neurosurgery.

Be aware that health care costs vary dramatically by state in the USA. $500k will cover most accidents in Idaho or Utah but won't even scratch the surface in high cost states like California. Just for my own interest, I priced my $700k accident (Idaho prices) in California (in 1999) and it would have run about $1.75 million there. I'm sure that 2013 prices are even higher.

So your medical costs were about the same as New Zealands Gross National Product? Go figure.

It was thanks Tom
It goes from 50 up to 1mil but i was only thinking on the lower side, but reading your post maybe i will go up a bit

Hi Marcus,
Can I ask which insurance company you used, that provides BASE coverage in Europe for Europeans?
Thanks in advance
A.

Has anyone (U.S. resident) used WorldNomad? I'm looking for insurance to cover me for my trip to Italy but I can't find any reputable reviews. There seems to be one or the other, 5 star reviews that look like they were generated by the company or 1 star reviews by people who were not covered for an injury that they thought was covered (only to have fine print thrown in their face).

Or, are there are any other companies out there that someone has used?

I'm a US resident and bought a policy from WorldNomad a few months ago specifically for BASE jumping in Lebanon and Greece.

I sent an email twice (one for each location) specifically inquiring if I would be covered in a BASE jumping accident. I didn't mention anything about legality.

Both times the customer service reps got back to me quickly and replied in no uncertain terms that I would be covered for BASE jumping in the specified countries. I made sure to save those emails.

I would purchase a policy from them again. Reasonable cost and good customer service from my experience.

Edited to add: The particulars of the policy may have changed since then; I haven't looked at their site or read the fine print since my policy expired.

Below copied from the World Nomad web site....note that the "Explorer" policy specifically notes that it covers BASE jumping. The quote for a two-week policy for a U.S. resident was ~$91.00:

"Adventure sports for residents of USA

Exactly which adventures we will and won't cover varies on the plan and optional cover you choose, depending on your country of permanent residence.

We like to think we know most adventures and sports World Nomads love. If a sport or activity is not listed it may have slipped by us or it may not be covered. Check with us if you’re not sure.

There are different levels of cover for sports, activities and working abroad with different levels of additional premium.

Choose the plan or optional upgrade level to be covered for this activity:
(1) - Standard
(2) - Explorer (also includes cover for Standard sports & activities shown)

Abseiling (2)
Aerial safari (1)
American football (1)
Angling (1)
Archery (1)
Aviation (2)
Badminton (1)
Ballooning (2)
Base jumping (2)
Baseball (1)
Basketball (1)
Bicycle touring (1)
Black water rafting (1)
Bobsleigh (1)
Bouldering (1)
Bowling (1)
Bungee jumping (1)
Bushwalking (1)
Bushwalking up to 6,000 metres (1)
Camel riding / trekking (1)
Canoeing (1)
Canyon swing (1)
Canyoning (1)
Capoeira dancing - non contact (1)
Cave diving (2)
Cavern diving (2)
Caving (2)
Clay pigeon shooting (1)
Cricket (1)
Cycle touring (1)
Cycling (incidental to the trip) (1)
Cycling (on an organised tour) (1)
Deep sea fishing (1)
Dirt boarding (1)
Dog sledding (1)
Elephant riding / trekking (1)
Equestrian activities (1)
Expeditions in Antarctica (1)
Expeditions in Greenland (1)
Expeditions in the North Pole (1)
Fell running / walking (1)

Fencing (1)
Fly by wire (2)
Flying / piloting a light aircraft (2)
Football (1)
Glacier walking (1)
Gliding (1)
Go karting (1)
Golf (1)
Gymnastics (1)
Hang gliding (2)
Heli-skiing / boarding (2)
Hiking or tramping (1)
Hiking up to 6,000 metres (1)
Hockey (1)
Horse riding (1)
Hot air ballooning (2)
Hunting (excluding big game) (1)
Ice climbing (2)
Ice hockey (1)
Ice skating (indoor only) (1)
Ice skating (outdoor) (1)
Jet boating (1)
Jet skiing (1)
Kayaking (1)
Kite buggy (1)
Kite surfing (1)
Kite wing (1)
Kiteboarding on land (1)
Kiteboarding on water (1)
Land surfing (1)
Martial arts - non contact (1)
Martial arts training (1)
Moped biking (1)
Motor biking (1)
Motor biking on a vehicle under 125cc (1)
Mountain biking - incidental to the trip (1)
Mountain biking off track / downhill (1)
Mountain biking on tracks and trails (1)
Mountaineering (2)
Mountaineering in Antarctica (2)
Mountaineering in Greenland (2)

Mountaineering in the North Pole (2)
Netball (1)
Orienteering (1)
Outdoor endurance (1)
Outward Bound (1)
Paint balling (1)
Parachuting (2)
Paragliding / parapenting (2)
Parapenting / paragliding (2)
Parasailing (1)
Passenger in a private, light aircraft (2)
Passenger in a scheduled air charter (1)
Quad biking (1)
Rambling (1)
Rap jumping (2)
Rifle range shooting (1)
Riverboarding (1)
Rock climbing (2)
Roller blading (1)
Roller skating (1)
Rowing / sculling (1)
Rugby (1)
Running / walking (1)
Running of the bulls (1)
Safari tours (1)
Sailing (coastal waters only) (1)
Sandboarding (1)
Scuba diving to 50 metres (2)
Sea canoeing (1)
Sea kayaking (1)
Shark cage diving (2)
Skateboarding (street) (1)
Skateboarding - ramp / half pipe (1)
Skateboarding - skate park (1)
Ski joring (1)
Skidoos (1)
Skiing / snowboarding (1)
Skiing / snowboarding - off piste (1)
Skydiving (2)
Sleigh rides (1)
Snorkelling (2)

Snow mobiling (1)
Snow rafting (1)
Soccer (1)
Speed boating (1)
Squash (1)
Stand up paddle surfing (1)
Stilt walking (1)
Surf boat rowing (1)
Surfing (1)
Swimming (1)
Table tennis (1)
Tandem skydiving (2)
Ten pin bowling (1)
Tennis (1)
Trail bike riding (1)
Trekking (1)
Trekking in Antarctica (1)
Trekking in Greenland (1)
Trekking in the North Pole (1)
Trekking up to 6,000 metres (1)
Tubing (1)
Tubing on snow (1)
Ultimate frisbee (1)
Via ferrata (2)
Volleyball (1)
Wake skating (1)
Wakeboarding (1)
Walking (1)
Walking up to 6,000 metres (1)
War games (1)
Water skiing (1)
White water kayaking (1)
White water rafting (1)
Windsurfing (1)
Winter sports (1)
Yachting (coastal waters only) (1)
Yachting (outside coastal waters) (1)
Yoga (in class or alone) (1)
Yoga (yoga teacher) (1)
Zip line (1)
Zorbing (1)

Please keep in mind that even with the Explorer package that is advertised as covering BASE jumping the maximum amount of coverage you can get is USD$100,000. Its certainly better than nothing, and in some countries and some incidents it's probably more than enough, however there have been several accidents in the past few years where $100k was not even close to enough.