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Association Canadienne de Vol Libre
 
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Are we, HPAC MEMBERS, good to go in the USA?

 
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Patrick Lemaire
HPAC/ACVL Member
Joined: 06 Dec 2016
Posts: 0
PostPosted: Tue Oct 09, 2012 07:30 am    Post subject: Are we, HPAC MEMBERS, good to go in the USA? Reply with quote

Got my travel insurance and my HPAC membership.

It seems some of the sites in the USA requires to be a USHPA member... Rolling Eyes

DO I???
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Scare
Site Admin
Joined: 28 Mar 2006
Posts: 164
PostPosted: Tue Oct 09, 2012 11:28 am    Post subject: Reply with quote

What insurance a site manager accepts is up to them. Ours is valid there.
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Fred Wilson
HPAC/ACVL Member
Joined: 10 Dec 2014
Posts: 45
PostPosted: Tue Feb 12, 2013 12:31 pm    Post subject: Reply with quote

See Travelling? at: http://www.hpac.ca/pub/?pid=83

Yes. HPAC Insurance is Valid World Wide. Info is on the HPAC Insurance Section of our website.
Good idea to print a copy of the Insurance (Binder Cover at least) posted there.
_____________________

Some countries require that you purchase membership with their National association.
Australia is a good example. As is the USA for Events and at all major USHPA Sites. See: http://www.ushpa.aero/international.asp
Canada requires HPAC (Temporary Foreign Visitor) Membership at most of our major sites.
_____________________

UPDATE:

Mark Forbes, USHPA Treasurer and Insurance Chairman is answering this and related questions here.
FYI: - the entire thread starts HERE.

Cont... From: "Mark G. Forbes" USHPA Treasurer and Insurance Chairman
Sent: Wednesday, 19 December, 2012 11:01:43 PM

1. USHPA insurance is valid Worldwide, for vacation trips, for USA Resident Citizens whilst flying abroad
- as long as claims are filed in a court of US jurisdiction.
- This clause is Not valid for USHPA members permanently resident outside of the coverage area.

2. USHPA Full or Temporary Membership purchased by Foreign Resident Pilots (ie Canadians) is valid in USHPA coverage areas which include the US, Puerto Rico, Canada, but NOT Mexico.

- Canadian pilots are covered, but our coverage isn't an exact match for the HPAC policy.
Particularly, you have landowner coverage by default, and ours is by specific named insured.
- Limits may be different as well... I haven't reviewed the HPAC policy lately.

MGF
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Fred Wilson
HPAC/ACVL Member
Joined: 10 Dec 2014
Posts: 45
PostPosted: Tue Feb 12, 2013 12:32 pm    Post subject: Travel Medical Insurance Reply with quote

NOTE PD ONLY - Spring 2013 Project trying to locate National Insurance Coverage.

Travel insurance can be complicated.
The best advice is to contact the insurance provider directly so they can answer any questions you may have. BCAA welcomes your calls regarding their coverage.
They are committed to ensuring you have all the information you need before you leave the province or country.
You can contact them at 1-800-663-1956. Alternatively, you can contact Travel Underwriters at 1-800-663–5389.

(Travel Underwriters) (Lloyds of London) Underwrite BCAA and CAASK Saskatchewan Travel Insurance includes Recreational Hang Gliding & Paragliding, and Amateur Competitions (Racing.)

5 Key Things You Need to Know about Extreme Sports Insurance.
Most Travel Insurance plans do not cover extreme sports leaving you unprotected!


See info also at: http://www.insurance-canada.ca/sports-products/sports-athlete-travel-health/sports-athlete-travel-health.php



Travel Medical Insurance Tips Cont… - Updated April 5th 2013

1. Carry the overseas phone number to contact your Travel Insurance Provider with you, and ensure that everyone with you knows where to find it.

2. Check into what dollar figure for (prior approved) medical expenses is included as perks with your Credit Card.
a) It can sometimes take time for a travel medical coverage provider's payment scheme to kick into gear.
b) In some countries the insurance company can NOT pay directly. You have to pay up front and claim a reimbursement.

- If your Credit Card does not include Travel Medical Insurance, upgrade it to a plan that does.
- If you have a low credit $ limit on your Credit Card, phone in to Jack it WAY up before you go.
Example RBC Visa Medical Travel Insurance and their Accident Insurance. (Read the fine print carefully!)

"If a person does have medical coverage through a credit card, it can be challenging to get any Credit Card Supplier support on determining what is actually covered, but if that same person does buy (BCAA or CAASK) Insurance in tandem with a credit card that has medical coverage, meaning it's covering the same period, then BCAA's etc policy will be excess to the credit card coverage.

BCAA can top up credit card coverage if the company the credit card coverage is with does allow other companies to top their coverage up.
ie a person has 30 days with their gold master card, and we sell a policy from the 31st day of their trip.
The card holder should check two things before buying a top up from another insurer; does the card allow top ups, and will they cover you for the entire hospitalization if you're admitted even on the last day of their coverage, because our policy will not be paying for any medical or dental claims that occurred prior to our effective date."

NOTE:
If you fall within the Definition of a "Professional Athlete" BCAA
and b) CAASK require that you purchase a "Professional Sports Rider". Example Pg 21 in BCAA's Insurance Policy (pdf.) (Pg 40 in the Book.) "Professional Athlete means a person who earns the majority of their income from this sporting activity."
This applies to:
a) "Professional Athletes" participating in Competitive Events with Prize Money;
b) Commercial work including Instruction / Tandems / Guiding.
(CAASK Saskatchewan's Professional Sport's Rider) is part of their Motorized Speed Racing Rider.)

3. Be aware of Travel Insurance Policy Manual fine print wording that:
a) Requires that you advise your Travel Insurance Policy provider ASAP of a Doctor's visit and / or any Emergency Room / Hospital visit.
b) Excludes Death and / or Disability and / or Search & Rescue benefits.
c) Specifies the "Chain of Care"
- Example: "One person was denied coverage for a badly broken nose requiring surgery because the Dr. in this little alpine village who helped him after hours didn't arrange to have him transported by ambulance. His friends took me to the hospital to save time but by doing so, broke what they called the "chain of care". And that wasn't even a Flying accident!

4. Ask if your Traval Insurance Policy includes Search and Rescue and Repatriation. Most if not all do not.
_____________

Other Provincial CAA policies are Underwritten by a different Insurers, some by CAA itself, and in Ontario, different regions have different CAA Associations.
(CAA Terms and conditions vary in each province, - as do those of other Travel Insurance Providers.)

Travel Medical Insurance Providers who cover Recreational Hang Gliding and Paragliding, Amateur Competitions and (with a Professional Sports Rider) Professional Competitions + Instruction / Tandems / Guiding include:
BCAA[/b] + Ingle International

Travel Medical Insurance Providers who cover Recreational Hang Gliding and Paragliding ONLY
- but do NOT include Amateur or Professional Competition "Racing" or Instruction / Tandems / Guiding include:
CAA Niagara (Underwritten by Royal & Sun Alliance PQ) + SecuriGlobe
CAA's AMA Alberta under their Tranquility Travel Medical Insurance Policy. (Note that their AMA Premium Travel Medical Insurance Policy does NOT include HG & PG at all.) AMA is underwritten by Manulife.

CAA Regions who cover Recreational Hang Gliding and Paragliding and Amateur Competition "Racing" Participation) but NOT Professional Sport Riders (Instruction or Racing for money) include: Ingle International

5. Participation in (Motorized) SPEED CONTESTS (Rider) i.e. PPG, PHG is an additional Optional coverage.

6. For Foreign Resident Automobile Association Members (REQUIRED?) visiting Canada:
You can, if you drop in immediately, purchase CAA "Visitors to Canada Travel Medical Insurance" valid in the province you purchase it in, and all across Canada. (Longer waiting periods apply if you delay.) (Important Clause coming.)
(Terms and conditions vary in each province.)
_____________________

7. FYI ONLY:
The rule tightening has ± begun here in Canada too now re: Travel Medical Insurance....
(The Brits and Ossies etc seem to go through the ringer every year or two on this...)

(This is still confusing to us as of Feb 13th 2013.)
CAA North & East Ontario and Atlantic Canada say they do NOT cover Recreational HG & PG but their Underwriter (Manulife) says they DO but Amateur Competitions are questionable (they are looking into it) and Professional Sports Riders are NOT available.

Scuba Diving now requires that Instructors working overseas MUST have International Certification. (Example PADI.)

So watch out to see if this extends to our sport Instructor's: they may (eventually) be required to have (example) APPI / APPI PPG International Certification.
_____________________

8. Insurance Companies who do NOT cover any aspect of high risk sports include:
a) The Canadian Athlete Insurance Program (CAIP). + All Sport Insurance + TIC Travel Insurance + Manulife and Sutton Special Risk
b) CAAManitoba; + a) CAASO Southern Ontario; + CAA Quebec
c) CAA National Insurance underwrites CAASO
Following from our CAA staff expert:
“These activities (Recreational, Competitive HG & PG and Instruction) would typically be exclusions under our plans. We do not underwrite extreme sports of any kind.
As our products are geared towards the mainstream traveling public, we would not cover these activities.
I would suggest the individual contact an insurance broker in their community as there are organizations that can provide coverage.”
d) HCC U.S. Specialty Insurance Company
_____________________

Insurance resources who can investigate on our behalf (and are involved here) include:
BCAA and BCAA's Travel Underwriters (their expert Ray Label, is an ex Hang Glider Pilot)
The Insurance Brokers Association of BC (IBABC) and (Ombudsman's Service of the) Life & Health Association Canada.

Other assistance with this project has come from:
Johnston Meier Insurance Agencies Group and

Sandy Miller of Jardine Lloyd Thompson Canada - who is going to try to find National Sports Travel Medical Insurance for us and all other high risk sporting groups.

SANDY MILLAR CRM | VICE PRESIDENT
JARDINE LLOYD THOMPSON CANADA INC.


Suite 1600 1111 West Georgia Street, Vancouver, BC V6E 4G2
tel 604 484 5336 | fax 604 682 3520 | cell 778 871 7292
email smillar@jltcanada.com | web http://www.jltcanada.com
[url=][/url] [url=][/url]

_______________________

FYI:
BCAA Baggage Insurance (Rider) excludes coverage for Gliders, Varios and Flight Decks etc.

Quoting the policy, page 19 in the pdf version at:
http://www.bcaa.com/-/media/BCAA/files/brochures/TravelGoldPolicyWordings.ashx (pdf)

"Exclusions
In addition to the General Exclusions, the company will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of:
1. Loss, damage, or theft of animals; self-propelled conveyances of any kind or their equipment; trailers, boats, motors, aircraft or other conveyances or their appurtenances;"

Ray Lebel wrote:
Any sports equipment would have very limited coverage through any of our BCAA or CAASK baggage policies as you've noted the exclusions, also any single item lost or damaged that is covered under the policy is only covered at 50% of the maximum limit of $1500. Also it is excess to any other coverage as well, such as credit cards and home owner's policies. If the home owner's policy has a deductible, we could pay the denied portion under our baggage policy if what your claiming is not listed as an exclusion.
_____________________________

Questions Bank re above: (Please answer each question individually.)

Does your Travel Medical Insurance include coverage for:
1. Recreational Hang Gliding and Paragliding.
2. Hang Gliding and Paragliding Amateur Competition participation. (Racing)
3. Hang Gliding and Paragliding Competition participation (Racing) where prize money is involved but where the Insured Person does not earn 50% + of their annual income from the sport.
4. A Professional Sport Rider for Instructors teaching overseas and or for the following:

5. Does your "Visitor to Canada Travel Medical Insurance" include sport activities such as ours? If so, again:
. ..a) Recreational Hang Gliding and Paragliding.
. ..b) Hang Gliding and Paragliding Amateur Competition participation. (Racing)
. ..c) Hang Gliding and Paragliding Amateur Competition participation (Racing) where prize money is involved
. ..d) A Professional Sport Rider for Instructors teaching overseas (IE here in Canada.)

Finally:
1. Does your Travel Baggage Insurance include coverage for Aircraft (gliders) and Aircraft Instrumentation?

2. What other High Risk Sports are covered / excluded.
__________________________

NOTE:
a) Travelers Underwriting Division is the underwriting division within Lloyd’s China specific to Travelers Syndicate 5000 at Lloyd’s, managed by Travelers Syndicate Management Limited.
a) Travelers USA (Lloyds Underwriting = Business Travel only found at present) + Coast Capital insurance Services (Seattle) via Travel Underwriters
b) Travelers Underwriting UK "Accident and Special Risks (Coming Soon)"
__________________

NOTE 2:
Canadian Sport Insurers to investigate:
Patriot Extreme: http://www.nriol.net/patriot-extreme-insurance/
http://www.bettertravelinsurance.ca/faq.html
http://www.pucherinsurance.com/Blogs.aspx?blog_id=4
http://ingle-international.com/travel/

CAN / US: ?
http://www.securiglobe.com/en/Travel-Insurance-Products/
https://www.travelinsurancecenter.com/eng/information/cm_category_products.cfm?sCategory=sports

USA: ?

SportsInsurance.com: https://www.sportsinsurance.com/index.php
USA? http://www.usatravelhealthinsurance.com/contact-us.asp
http://www.worldnomads.com/travel-insurance/adventure-travel-insurance.aspx


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Fred Wilson
HPAC/ACVL Member
Joined: 10 Dec 2014
Posts: 45
PostPosted: Wed May 08, 2013 12:27 pm    Post subject: Reply with quote

There is now a very interesting and informative thread on the WCSC Forum. Well worth a read.
Titled: Americans are not welcome?

It delves into details about Insurance coverage on both sides of the border, and how that effects us.

See: http://www.westcoastsoaringclub.com/forum/viewtopic.php?t=7827

Thanks to Mark Forbes, USHPA Insurance Chairman for a definitive answer on this topic.
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