Accident Insurance for Anywhere
There are two things we know for sure. First, adventures can take you anywhere. From backyard to backcountry the outdoors beckon. Second, accidents can happen anywhere. Bones can break outside your home and outside the country. That’s why we designed Buddy accident insurance to cover you no matter where you are in the world. Buddy covers you in your home state, out-of-state, out-of-country, and anywhere in between.
The Only Global On-Demand Accident Insurance
Buddy is not just the only on-demand accident insurance, it’s the only global on-demand accident insurance. On-demand means you can buy coverage for as little as a day or as long as a year, signing up the same day you need coverage to start. Global means you are covered no matter where you go.
Why Ask For My State of Residence?
But wait, you ask, why then do I have to provide my state of residence when I buy a policy? Each U.S. state regulates insurance separately, so we must ask your home state for regulatory purposes. That information doesn’t limit where you’re covered. Do you live in Colorado but are mountain biking in California? You’re covered. Do you live in Texas but are scuba diving in Tahiti? You’re covered. Do you live in Arizona but are kayaking in Antarctica? You’re covered. Send us a pic of penguins, please.
But wait, wait, you cry, there must be some exceptions? Ok, ok, sort of. Buddy can’t cover you if you get hurt while at work. So, whether you’re in Fargo or Fiji, if you’re on the clock when you get injured, you’ll have to talk to your employer. Once off the clock, your latitude and longitude don’t matter to Buddy. Also, if you get hurt while breaking the law (or attempting to break the law), Buddy can’t cover you. So don’t trespass. Beyond that, Buddy isn’t limited by city, state, country, national park, or ocean. Really, with Buddy, the world is your playground.
Accident Insurance for International Travel
Even if your international travels don’t include outdoor adventures (though at Buddy we see that as a missed opportunity), you may want to consider an accident insurance policy when abroad. Some health insurance providers may offer limited or no coverage for care outside of the U.S. Or you may need to pay upfront for medical care when abroad and then file for reimbursement from your health insurance provider. On top of these challenges, you will still be on the hook for standard out-of-pocket medical expenses like your deductible. Accident insurance can help fill these health insurance gaps if you need to seek medical care outside of the country. This is especially true with Buddy accident insurance since coverage is not limited by geography.
Does Buddy Cover Me In Space?
Buddy doesn’t cover accidents beyond the Earth’s atmosphere...yet. With space tourism around the corner for the masses (fingers crossed), we may in the future. Stay tuned. In closing, make that three things we know for sure. First, adventures can take you anywhere. Second, accidents can happen anywhere. And, third, Buddy covers you everywhere.
Hunter Pechin originally wrote this post for Buddy's blog. Hunter is a Fractional Marketer and Strategist based in Richmond, VA.