A spill on the trail may have a bigger financial impact than you’re expecting. The average individual health insurance deductible is over $4,000. Once you add in copayments, coinsurance, and all of the other nonmedical expenses— like a damaged bike and travel changes— your personal cost of a wreck may leave you in a frustrating position. With protection from Buddy, you can worry less about the cost of an accident and focus on going hard on the singletrack.
Buddy’s policy primarily pays you fixed benefits based on the care you receive after a covered accident (the only exceptions are our ambulance benefits). Fixed benefits mean that regardless of the actual cost of care, we will pay you a set amount for certain events, like a trip to the emergency room. Because the money is paid to you, you can use your benefit towards the amount you owed out-of-pocket for treatment, towards other bills, or towards repairing your gear if it was damaged.
What benefits could you be eligible for if you take a spill on the trail?
Emergency Room Visit: $1,000
Overnight Hospital Stays: $1,000 per night up to 10 nights
Ground Ambulance Coverage: Up to $250
Air Ambulance Coverage up to $5,000
Additional Benefits for Severe Injuries: up to $10,000
Paralysis, Traumatic Brain Injury, Death and Dismemberment Benefits: up to $50,000
Q. Am I only covered in the state where I reside and purchase my policy?
No. With Buddy, you’ll be covered no matter where you go. While you must purchase coverage based on the state where you reside, you can rest assured knowing you’ll be protected whether you’re riding the trails across town, or heading out of the country for the adventure of a lifetime.
Q. Am I only covered while cycling?
No. Our policy provides 24/7 coverage for all activities not excluded by the policy while it is active. You can read more about exclusions
We also can’t cover the following activities: BASE jumping, big wave surfing, tow in surfing, bull riding, bungee jumping, cave diving, cliff jumping, cross country eventing, FMX, freediving, free soloing/climbing or mountaineering (other than bouldering) without the use of ropes and appropriate equipment, highlining, running of the bulls, skydiving/parachuting, street luging, and wingsuiting.
If you have any questions or concerns, let us know.
Q. Is there a deductible?
No. Our benefits are first dollar benefits, which means we pay you the amount listed in our table of benefits when certain events occur, like an overnight hospital stay.