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insurance and barrel racing

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Last activity 2021-07-27 9:25 PM
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snoopyjoe
Reg. Jan 2008
Posted 2021-07-24 1:53 PM
Subject: insurance and barrel racing



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I am looking for information or anything with stats on Barrel racing and injuries. Did your insurance cover you if you had an injury at a barrel race or was it denied because barrel racing is a high risk hobby. Is barrel racing a dangerous hobby? If you have any articles or anywhere I could get some info on it I would greatly appreciate it.

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streakysox
Reg. Jul 2008
Posted 2021-07-24 5:32 PM
Subject: RE: insurance and barrel racing



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I have never heard of health insurance not covering an accident. Driving a car is a lot more dangerous than riding a horse. I do remember years ago our jake leg school insurance not covering a teacher's kid when he feel out of a tree and broke his arm. They said it was a pre existing condition from before we had that insurance!   What a joke. 

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vjls
Reg. Mar 2005
Posted 2021-07-24 7:34 PM
Subject: RE: insurance and barrel racing


Miracle in the Making


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i had blue cross blue shield  when i went down  broke my neck  it was over 100000k in 2001  i had 80/20  they paid

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snoopyjoe
Reg. Jan 2008
Posted 2021-07-26 11:43 AM
Subject: RE: insurance and barrel racing



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This was the exclusion from the ins.

Per the medical plan exclusions section of the plan, treatment for care required as a result of illness or injury resulting from participation in high risk sports or hobbies, including but not limited to sky diving, hang gliding, scuba diving, car racing in any professional or semi-professional sport, bungee jumping, motorcycle or ATV operating in any contest of speed, is not covered.

They are saying barrel racing is the most dangerous sport in the US yet it is not listed.

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Pocob
Reg. Oct 2003
Posted 2021-07-26 12:36 PM
Subject: RE: insurance and barrel racing



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I'm curious.  Is this post or pre injury you are getting this information?  I have so many questions and no answers for you yet.  This is nuts.  We might as well lock ourselves in our homes again and fall off of ladders doing home repairs.  We are way more dangerous and could cause our bodies harm doing home repairs, etc. 



Edited by Pocob 2021-07-26 12:37 PM
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JLazyT_perf_horses
Reg. Dec 2010
Posted 2021-07-26 3:31 PM
Subject: RE: insurance and barrel racing



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Location: Illinois

Almost every time I've been to the ER or gone to doctor for an injury its been horse related and I've never had anything not be covered. I've had state insurance, BCBS, and United Healthcare in my life with no issues 

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snoopyjoe
Reg. Jan 2008
Posted 2021-07-27 9:32 AM
Subject: RE: insurance and barrel racing



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This was post injury. They are not covering anything to do with the injury.

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dakota88
Reg. Jun 2006
Posted 2021-07-27 9:50 AM
Subject: RE: insurance and barrel racing



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My insurance that I carried on me & my husband would not pay for his accident because he was doing it for money.  I have an accident policy through Combined Insurance that covers everything, even if you are competing for money.  You send them an itemized statement from the hospital and they covered everything.  They send the $$ to you directly.

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r_beau
Reg. Apr 2010
Posted 2021-07-27 11:14 AM
Subject: RE: insurance and barrel racing



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snoopyjoe - 2021-07-27 9:32 AM


This was post injury. They are not covering anything to do with the injury.


That's why your injury happened when you were leisurely trail riding for fun with your horse ...... not competing at a barrel race..... if you catch my drift.

Insurance companies look for any reason they can to NOT pay your claim. (and NOT pay your doctor, really)

There are ICD10 codes used to describe what activity you were doing during an injury which can and are coded for your visit. Really, that would be one of the one things on how they would be able to find out how you injuried yourself; unless they audited your records (which they can do too) to read the chief complaint and/or interview notes.

You can try to appeal and try to fight it. (and I would) but they may still stick to their guns. Again, they look for any reason to not pay your claim.

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euchee
Reg. Oct 2003
Posted 2021-07-27 6:48 PM
Subject: RE: insurance and barrel racing



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I highly recoment carrying a seperate accident insurance.  We have it and it has been really good.  They pay a set fee for each type of injury depending on what level of insurance you have.  It is paid directly to you.

I do know some imployers that use the self pay type can limit if they pay or not depending on the activity that caused the injury.

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vjls
Reg. Mar 2005
Posted 2021-07-27 9:25 PM
Subject: RE: insurance and barrel racing


Miracle in the Making


Posts: 3894
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dang  times have changed  has i was laying in the alleyway    when the medics got there  lol no trailriding  on that 1

 

2001  my accident

 

him i need to ask my dil  about

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