While you might think professional level athletes competing on a country or world scale are the ones most at risk of taking an injury while playing, that couldn’t be further from the truth. Amateur athletes are significantly more likely to get injured while playing their game of choice for many glaring reasons. A lack of knowledge surrounding the sport on question, insufficient training, the kind of gung-ho attitude which comes from a lack of experience and starting a new activity and several other points all support this claim. This is why, just like professional athletes, amateur athletes will want to get a decent policy.
This type of insurance is good for any kind of sport where there is a realistic chance of injury occurring. Sports like archery shooting, which could literally cause a player’s death if all the wrong circumstances line up at just the right time, are especially good candidates for picking up a sport accident insurance policy. Your injuries don’t need to be fatal to be costly though – broken ankles from fast turns playing baseball, basketball or football can cost a ton to get fixed, not to mention all the time you spend out of work while you’re unable to move around like normal.
The right sport accident insurance policy will cover the costs of your medical care as well as provide you with a cushion to make up for time you’re out of work, like was mentioned up above. Perhaps “right” wasn’t the right word – the perfect policy would cover you completely. But you would be hard-pressed to find any insurance policy which would cover your medical expensive, lost wages, mortgage, groceries and other bills in the event you get injured. That’s why there are supplemental insurance companies out there; you’ve probably heard of a few, maybe one with a talking duck, for instance?
Speaking of broken ankles, skating is another sport for which you’d want to get some sport accident insurance, especially if you do it on a competitive scale. Just rolling around your neighborhood on roller skates, skateboards or other wheeled, manually operated vehicles could still get you hurt, but injuries are much more likely in highly congested areas and places with lots of people. Because some broken bones can take significantly longer to mend and heal than other bones, having adequate coverage is pretty much a must if you’re going to be engaging in activities which pose a real threat to your well being.
You can usually get a sport accident insurance policy from your current insurer. If a company or firm is willing to insure someone against poor health or injury, then it will likely be willing to cover against sports injuries as well. There are even some special policies for amateur athletes, just like there are special policies for professional athletes. Thankfully they don’t cost nearly as much, even though your typical player has nearly as much to lose if he or she gets hurt. Broken bones, lost wages, even ended careers can happen because of injuries obtained while playing sports, regardless of your skill level.
While there are different rates for amateurs and professionals, there are even different rates among these two categories. For instance, an amateur child athlete with little experience in a specific sport is generally more likely to get injured playing football than someone 20 years older who has been playing the same game for two decades longer. Of course, even those with experience in a game can still get hurt – sometimes that experience is actually the driving factor behind an injury, because it makes some players arrogant or careless when they should be as careful as they always have been.
It’s probably not something you want to think about, but this type of insurance also includes covering your life – you know, like if you die while enjoying your sport of choice. Traumatic injuries do happen to athletes and there are very few people who aren’t absolutely reviled at the thought of their own mortality, but think about this in a practical fashion. If you already have a policy like this in place, you don’t have to worry about maintaining a separate life insurance policy to cover your family in the event of your untimely death. It’s comforting, in a way, but still something most people don’t want to think about in the first place. And who can blame them, really?
Besides an insurance policy to protect your pocketbook from any injuries you might suffer for enjoying your favorite sport, you should naturally practice full safety precautions and use the proper gear for your game of choice. That means helmets, pads, plates and more; if you’re engaging in a contact sport where you and another person have a good chance to collide sooner or later, you’ll want something to protect your soft bits from the impact. If you’re doing something that could injure you even without another person around to cause the harm, you’ll want something to guard your body against serious harm.
Similarly, you’ll want to have a plan in place in the event you are injured. Figuring out who will take you to a hospital so you don’t have to take yourself and risk further injury, for example, can help to limit the damage done during a sporting event. Emergency contact numbers should probably be kept on your person, whether stored in a cellular phone or written on a piece of paper or laminated card you carry in your wallet, purse or other container. An ounce of prevention is worth a whole pound of cure, or so they say, and it’s preventing serious harm that will save you from having to deal with it in the first place.
By now, sport accident insurance has been covered fairly definitely. You know what it is, you know what it’s good for, you know how to tell if you need it at all and you know what supplements you should get to go along with it, as well as ways to avoid getting hurt to begin with. If you’re a sporty type, please do keep these points in mind. They could save you money, but more importantly, they could save your life.