Insurance for the Adventurous
Buddy's accident insurance created for the adventurous and active.
Accident insurance pays you money directly if you get injured. You can use the money to cover medical bills, travel change fees, gear replacement, or anything you need. It’s designed to provide extra coverage above and beyond health insurance. This can be critical for the many Americans with high deductible healthcare plans (HDHPs) that require a deductible of $1,350 or more be paid out-of-pocket before health insurance coverage kicks in.
Buddy, moreover, is the only on-demand accident insurance. This means two things. First, you only pay for the coverage you need--whether a day, a month, a year--you choose how long your policy lasts. Second, it means you can sign up anywhere for coverage that same day. If you’re riding the chairlift up the mountain and spot a challenging run you want to ski, you can sign up for coverage from your phone before you get off the lift. Click, and you’re covered.
Classic Buddy Adventures
At Buddy, most of our customers get accident insurance coverage for activities including skiing, mountain biking, hiking and backpacking, rock climbing, kayaking, or competing in team sports or races.
Like us at the Buddy office, our customers love the outdoors. They love to get dirty, muddy, and sweaty and to enjoy that heady cocktail of fresh air, endorphins, and adrenaline.
But there’s more ways than one to get your heart pumping. And while Buddy does have some exclusions, many of the activities they do cover will surprise you. Here are a few of the zanier activities Buddy covers.
1 - Curling
Yes, that curling. On the ice with brooms and heavy stones. If you slip and fall on the ice while playing this classic Winter Olympic sport, Buddy has you covered. It’s specifically mentioned in our fine print!
2 - Scooting
Thinking of hopping onto one of those electric scooters that are now ubiquitous in American cities for the first time? Maybe you use them everyday to commute? Either way, we bet you don’t always have a helmet...but Buddy’s got your dome financially covered, at least, if you end up scooting your way into urgent care.
3 - Zorbing
Step one: get into a giant, human-sized hamster ball. Step two: roll. A little odd, perhaps, but who are we to judge? We even think it sounds like fun. And if you do too, Buddy has you covered.
4 - Waterfall Rapelling
Most of the time you enjoy a waterfall by either standing at the top or at the bottom. But to enjoy the whole length of one up close generally requires going off the edge. Some kayakers may embrace that, but for the rest of us, may we recommend waterfall rappelling? Slide down a rope amid or near the rush of a cascade knowing Buddy has you covered if something goes awry.
5 - Diving with Sharks
Sharks get a bad rap. Vilified as killers, they’re really misunderstood as apex predators essential to the ocean’s ecosystem. But that doesn’t mean it can’t be thrilling and beautiful to go swimming (from inside a cage or without) with sharks. If you do, Buddy has you covered if the unlikely does happen.
6 - Fire Limbo
From water to fire, Buddy has you covered if you want to turn up the adrenaline by turning up the heat. So, light it up and get looowww.
7 - Quidditch
Not just for the realm of magic, Quidditch is a real sport played around the world and is considered to be one of the most diverse and progressive sports being played. Buddy has you covered whether you're a seeker, chaser, beater, or keeper.
8 - Being on a Ladder
Or maybe this list is too adventurous for you. That’s cool too. Maybe you’re more of a homebody. We respect that. But accidents can happen anywhere. If you’re hanging Christmas lights in the front yard, fall, and hurt yourself, Buddy has you covered.
9 - Octoball
What is octoball, you ask? No, we didn’t make it up. Octoball is a game played within an eight-sided, waist-high fence or wall. Like dodgeball, the object of the game is to avoid being hit by the ball as players take turns sending it careening off the walls at various angles. And, yes, Buddy covers octoball.
Adventures come in many shapes, sizes, and flavors. Across most, from the common, to the extreme, to the zany, Buddy Insurance has you covered.
Hunter Pechin originally wrote this post for Buddy's blog. Hunter is a Fractional Marketer and Strategist based in Richmond, VA.