flown-the-coop said:

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Hot air ballooning may get more people. I do love it being lumped in with free soloing and wing suit flying.

Though I have no desire for either, my risk tolerance is slightly different t amongst those, particularly having just watched "The Dark Wizard", a hell of a watch for anyone who has not seen it.

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I think that was the most interesting doc I've ever watched!

JMac03 said:

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flown-the-coop said:

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#6 may include activities people don't always think are considered such. Would be good to see their detail for people that like to push limits. And then they may need to consider what the outfitter is providing. For instance, heli-skiing was offered at places we stayed in Chile (not the right season even if I was able, willing), but I could see that being excluded but a policy may be provided by the outfitter.

Back-country skiing? Man, I would think covered but who knows. If you ignored a warning you could be hosed.

Sorry to venture beyond the original question, just hate seeing people assume something then wind up in a pickle.

Appreciate you looking out for the posters above. Good stuff.

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If I know clients are doing extreme stuff, I ask as we can add coverage for some activities.

From the policy I typicall sell:


Adventure or Extreme Activities means B.A.S.E. jumping, bull riding, running of the bulls, free diving, bungee jumping, hot air ballooning, parachuting, skydiving, cliff diving, fly-by-wire, paragliding, hang gliding, heli-skiing, helisnowboarding, wingsuit flying, rock climbing without equipment, bodily contact sports, Mountain Climbing over 9,000 feet (2,700 meters), motor sport or motor racing, multi-sport endurance competitions, parkour, scuba diving if the depth exceeds 131 feet (40 meters) and any activity materially similar to the above.

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So if I'm hiking to the top of Pike's Peak, no coverage. Even if a car can drive up there.

94chem said:

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JMac03 said:

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flown-the-coop said:

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#6 may include activities people don't always think are considered such. Would be good to see their detail for people that like to push limits. And then they may need to consider what the outfitter is providing. For instance, heli-skiing was offered at places we stayed in Chile (not the right season even if I was able, willing), but I could see that being excluded but a policy may be provided by the outfitter.

Back-country skiing? Man, I would think covered but who knows. If you ignored a warning you could be hosed.

Sorry to venture beyond the original question, just hate seeing people assume something then wind up in a pickle.

Appreciate you looking out for the posters above. Good stuff.

---

If I know clients are doing extreme stuff, I ask as we can add coverage for some activities.

From the policy I typicall sell:


Adventure or Extreme Activities means B.A.S.E. jumping, bull riding, running of the bulls, free diving, bungee jumping, hot air ballooning, parachuting, skydiving, cliff diving, fly-by-wire, paragliding, hang gliding, heli-skiing, helisnowboarding, wingsuit flying, rock climbing without equipment, bodily contact sports, Mountain Climbing over 9,000 feet (2,700 meters), motor sport or motor racing, multi-sport endurance competitions, parkour, scuba diving if the depth exceeds 131 feet (40 meters) and any activity materially similar to the above.

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So if I'm hiking to the top of Pike's Peak, no coverage. Even if a car can drive up there.

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Reading is fundamental. Hiking isn't listed as an activity.

I Am A Critic said:

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94chem said:

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JMac03 said:

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flown-the-coop said:

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#6 may include activities people don't always think are considered such. Would be good to see their detail for people that like to push limits. And then they may need to consider what the outfitter is providing. For instance, heli-skiing was offered at places we stayed in Chile (not the right season even if I was able, willing), but I could see that being excluded but a policy may be provided by the outfitter.

Back-country skiing? Man, I would think covered but who knows. If you ignored a warning you could be hosed.

Sorry to venture beyond the original question, just hate seeing people assume something then wind up in a pickle.

Appreciate you looking out for the posters above. Good stuff.

---

If I know clients are doing extreme stuff, I ask as we can add coverage for some activities.

From the policy I typicall sell:


Adventure or Extreme Activities means B.A.S.E. jumping, bull riding, running of the bulls, free diving, bungee jumping, hot air ballooning, parachuting, skydiving, cliff diving, fly-by-wire, paragliding, hang gliding, heli-skiing, helisnowboarding, wingsuit flying, rock climbing without equipment, bodily contact sports, Mountain Climbing over 9,000 feet (2,700 meters), motor sport or motor racing, multi-sport endurance competitions, parkour, scuba diving if the depth exceeds 131 feet (40 meters) and any activity materially similar to the above.

---

So if I'm hiking to the top of Pike's Peak, no coverage. Even if a car can drive up there.

---

Reading is fundamental. Hiking isn't listed as an activity.

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I assume hiking counts as climbing, since all climbing would be considered extreme, with the exception of rock climbing with proper restraints. I actually read all of it quite carefully.

94chem said:

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I Am A Critic said:

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94chem said:

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JMac03 said:

---

flown-the-coop said:

---

#6 may include activities people don't always think are considered such. Would be good to see their detail for people that like to push limits. And then they may need to consider what the outfitter is providing. For instance, heli-skiing was offered at places we stayed in Chile (not the right season even if I was able, willing), but I could see that being excluded but a policy may be provided by the outfitter.

Back-country skiing? Man, I would think covered but who knows. If you ignored a warning you could be hosed.

Sorry to venture beyond the original question, just hate seeing people assume something then wind up in a pickle.

Appreciate you looking out for the posters above. Good stuff.

---

If I know clients are doing extreme stuff, I ask as we can add coverage for some activities.

From the policy I typicall sell:


Adventure or Extreme Activities means B.A.S.E. jumping, bull riding, running of the bulls, free diving, bungee jumping, hot air ballooning, parachuting, skydiving, cliff diving, fly-by-wire, paragliding, hang gliding, heli-skiing, helisnowboarding, wingsuit flying, rock climbing without equipment, bodily contact sports, Mountain Climbing over 9,000 feet (2,700 meters), motor sport or motor racing, multi-sport endurance competitions, parkour, scuba diving if the depth exceeds 131 feet (40 meters) and any activity materially similar to the above.

---

So if I'm hiking to the top of Pike's Peak, no coverage. Even if a car can drive up there.

---

Reading is fundamental. Hiking isn't listed as an activity.

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I assume hiking counts as climbing, since all climbing would be considered extreme, with the exception of rock climbing with proper restraints. I actually read all of it quite carefully.

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I am sure you could confirm with a broker and/or underwriter, but hiking on a marked trail is not "mountain climbing over 9,000 feet".

That would put a dent in a lot of ski vacations and summer trips to Breck.

Common sense applies.

94chem said:

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I Am A Critic said:

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94chem said:

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JMac03 said:

---

flown-the-coop said:

---

#6 may include activities people don't always think are considered such. Would be good to see their detail for people that like to push limits. And then they may need to consider what the outfitter is providing. For instance, heli-skiing was offered at places we stayed in Chile (not the right season even if I was able, willing), but I could see that being excluded but a policy may be provided by the outfitter.

Back-country skiing? Man, I would think covered but who knows. If you ignored a warning you could be hosed.

Sorry to venture beyond the original question, just hate seeing people assume something then wind up in a pickle.

Appreciate you looking out for the posters above. Good stuff.

---

If I know clients are doing extreme stuff, I ask as we can add coverage for some activities.

From the policy I typicall sell:


Adventure or Extreme Activities means B.A.S.E. jumping, bull riding, running of the bulls, free diving, bungee jumping, hot air ballooning, parachuting, skydiving, cliff diving, fly-by-wire, paragliding, hang gliding, heli-skiing, helisnowboarding, wingsuit flying, rock climbing without equipment, bodily contact sports, Mountain Climbing over 9,000 feet (2,700 meters), motor sport or motor racing, multi-sport endurance competitions, parkour, scuba diving if the depth exceeds 131 feet (40 meters) and any activity materially similar to the above.

---

So if I'm hiking to the top of Pike's Peak, no coverage. Even if a car can drive up there.

---

Reading is fundamental. Hiking isn't listed as an activity.

---

I assume hiking counts as climbing, since all climbing would be considered extreme, with the exception of rock climbing with proper restraints. I actually read all of it quite carefully.

---

I wish this question would have come up in 2019 when my company hired Alex Honnold to be the keynote speaker for a meeting. I would have asked why didn't he just hike to the top of Half Dome?

Actually, it would be interesting to find out what the extreme sports folks do if anything for travel insurance.

HollywoodBQ said:

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94chem said:

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I Am A Critic said:

---

94chem said:

---

JMac03 said:

---

flown-the-coop said:

---

#6 may include activities people don't always think are considered such. Would be good to see their detail for people that like to push limits. And then they may need to consider what the outfitter is providing. For instance, heli-skiing was offered at places we stayed in Chile (not the right season even if I was able, willing), but I could see that being excluded but a policy may be provided by the outfitter.

Back-country skiing? Man, I would think covered but who knows. If you ignored a warning you could be hosed.

Sorry to venture beyond the original question, just hate seeing people assume something then wind up in a pickle.

Appreciate you looking out for the posters above. Good stuff.

---

If I know clients are doing extreme stuff, I ask as we can add coverage for some activities.

From the policy I typicall sell:


Adventure or Extreme Activities means B.A.S.E. jumping, bull riding, running of the bulls, free diving, bungee jumping, hot air ballooning, parachuting, skydiving, cliff diving, fly-by-wire, paragliding, hang gliding, heli-skiing, helisnowboarding, wingsuit flying, rock climbing without equipment, bodily contact sports, Mountain Climbing over 9,000 feet (2,700 meters), motor sport or motor racing, multi-sport endurance competitions, parkour, scuba diving if the depth exceeds 131 feet (40 meters) and any activity materially similar to the above.

---

So if I'm hiking to the top of Pike's Peak, no coverage. Even if a car can drive up there.

---

Reading is fundamental. Hiking isn't listed as an activity.

---

I assume hiking counts as climbing, since all climbing would be considered extreme, with the exception of rock climbing with proper restraints. I actually read all of it quite carefully.

---

I wish this question would have come up in 2019 when my company hired Alex Honnold to be the keynote speaker for a meeting. I would have asked why didn't he just hike to the top of Half Dome?

Actually, it would be interesting to find out what the extreme sports folks do if anything for travel insurance.

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There is a rider you can add for some of these activities, it doesn't increase the coverage. You just pay more to actually be covered.

Mountain climbing over 9k feet is a weird designation. So you can do risky stuff Mountain climbing as long as its under 9k feet. Meanwhile if you are doing something pretty tame, but you start in Leadville, nothing is covered.

Breathing can be a challenge in Breckenridge

I start wheezing and grabbing my chest like Redd Foxx any time we leave the base in Breck.

That's why we adjusted to be Montana fans.

flown-the-coop said:

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Common sense applies.

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It's in dangerously short supply for some people.

flown-the-coop said:

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I start wheezing and grabbing my chest like Redd Foxx any time we leave the base in Breck.

That's why we adjusted to be Montana fans.

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I hiked Whitefish, MT, 4 years ago but I've never been up there in the winter.

It's a little further but, I took my kids to Aleyska in Girdwood, Alaska one year and the beauty was it's at sea level. The downside was, it was snowing on the days we skied, and it's wet, heavy, Pacific Northwest snow, not dry Colorado Champagne Powder.

previous post reference for folks who didn't grow up on 70s TV. The comedic genius of Fred Sanford