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Living on the edge: insuring extreme activities

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Frank Darras appears on Health, Wealth and Happiness to discuss what thrill-seekers need to know about insuring their risky activities.

Extreme sports have become increasingly popular over the last decade. With this rise in demand, however, comes a rise in injuries: extreme sports have been linked to more than 4 million injuries since 2000. What kind of activities are considered “extreme” and how does your insurance cover you for participating in these events? Tune in to find out.

Quote from the show:

“These are things we need to be careful about … when we’re filling out a health insurance application, they’re relying on us to tell the truth about our activities. We certainly don’t want to, later, get found out and lose our coverage because we misrepresented [ourselves].”

What you’ll learn:

  • How some normal activities can be considered risky or extreme
  • What kind of insurance coverage you likely have if you participate in extreme activities
  • The role of waivers in extreme sports and liability coverage
  • What a foreseeable or perceived risk is
  • Why it’s difficult to recover for injuries because of foreseeable risks
  • Why you need to know if/how you’re covered for risky activities – even if you’re not a regular thrill-seeker
  • Why it’s important to be honest about your activities on insurance applications

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