{"id":6304,"date":"2018-05-08T09:00:23","date_gmt":"2018-05-08T13:00:23","guid":{"rendered":"http:\/\/elbowglitter.com\/blog\/?p=6304"},"modified":"2018-05-07T15:18:42","modified_gmt":"2018-05-07T19:18:42","slug":"race-insurance-worth-it","status":"publish","type":"post","link":"http:\/\/elbowglitter.com\/blog\/2018\/05\/08\/race-insurance-worth-it\/","title":{"rendered":"Race Insurance – Worth it?"},"content":{"rendered":"
\"\"<\/a>
stevepb<\/a> \/ Pixabay<\/figcaption><\/figure>\n

In a couple of weeks, I will be at IM 70.3 Chattanooga to cheer on my friends (and all the strangers).\u00a0 I was initially registered to race, but obviously, with my body falling\u00a0 apart upon turning 37\u00a0(kidding… sorta<\/em>), I had to pull out.<\/p>\n

Thankfully, I had purchased the race insurance, so I got my money back.\u00a0 I had another few races that I also had to pull out of, but hadn’t purchased insurance for those, so I was just out the money.<\/p>\n

I’ve seen a few questions out there about how IRONMAN race insurance works, so I thought I would share my experience.\u00a0 In short, in my opinion, race insurance is absolutely worth it.<\/p>\n

IRONMAN Race Insurance is provided by Allianz, a pretty well-known travel insurance company.\u00a0 If you’ve purchased travel insurance before, it’s possible you’ve had an Allianz policy.\u00a0 For the 70.3, the insurance cost $40 and covered the full $297.00 race registration, which included the processing fees.\u00a0 Basically, if I had to pull out of the race for a covered reason, I would get everything back save for the $40 fee.<\/p>\n

When it comes to a 70.3 or 140.6, most of us are usually thinking about injury.\u00a0 If I get injured, can I pull out of the race without penalty.\u00a0 And the answer is yes, assuming you can get a doctor to fill out the form.\u00a0 But there are a lot of other covered circumstances as well, including:<\/p>\n

    \n
  • travel delay<\/li>\n
  • death of a family member (or yourself)<\/li>\n
  • job relocations or layoffs<\/li>\n
  • jury duty<\/li>\n
  • vehicle issues, including traffic accidents<\/li>\n<\/ul>\n

    Nuclear contamination is specifically not covered.\u00a0 In case you were wondering.<\/p>\n

    Pregnancy is a big question mark, and I will say that the information isn’t clear in the policy as to whether you are covered if you get pregnant after you register for the race.\u00a0 The way it’s phrased is that pregnancy is a covered condition if “your physician advises you to not attend the event for which the ticket was purchased.”\u00a0 However, later in the document, it says that normal pregnancy is not covered.\u00a0 I suspect this is because this type of policy is a general event ticket policy and not specific to a race.\u00a0 For example, say you had event protection for a big concert and you found out you were pregnant.\u00a0 In general, for a normal pregnancy, you could likely attend a concert at five months pregnant.\u00a0 But your doctor may not want you doing a 70.3 at five months pregnant.\u00a0 I’m not the expert, of course, so I would recommend calling the insurance company before signing up.\u00a0 I have heard from friends who have used the insurance option upon getting pregnant, so that’s a promising sign.<\/p>\n

    Once I knew I wouldn’t be able to race, I started looking at the insurance website to find out how the refund process worked.\u00a0 I have to admit, their online forms never seemed to work for me, which was a great frustration.\u00a0 I emailed their help desk and was quickly sent a copy of all the forms I needed to submit and told to simply email them back once I had them filled out.<\/p>\n

    In terms of the medical information, I just had to tell them what the general reason was, and I had a simple form for my doctor to fill out.\u00a0 It wasn’t extensive at all, and definitely didn’t involve sharing any of my medical records or test results.\u00a0 Basically, if your doctor says you can’t race and will sign the form, that’s good enough.<\/p>\n

    My claim was paid out within 2 weeks of having submitted all of the paperwork.\u00a0 With the exception of the website being completely wonky, the process was pretty simple.\u00a0 While you may decide that race insurance isn’t worth it for every race (it all depends on the cost of the insurance and if the race company will let you defer or transfer your registration), but for something expensive like an IRONMAN 70.3 or 140.6, I think it’s definitely worth it.<\/p>\n","protected":false},"excerpt":{"rendered":"

    In a couple of weeks, I will be at IM 70.3 Chattanooga to cheer on my friends (and all the strangers).\u00a0 I was initially registered to race, but obviously, with my body falling\u00a0 apart upon turning 37\u00a0(kidding… sorta), I had to pull out. Thankfully, I had purchased the race insurance, so I got my money […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[115],"tags":[],"jetpack_publicize_connections":[],"yoast_head":"\nRace Insurance - Worth it? - Elbowglitter<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/elbowglitter.com\/blog\/2018\/05\/08\/race-insurance-worth-it\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Race Insurance - Worth it? - Elbowglitter\" \/>\n<meta property=\"og:description\" content=\"In a couple of weeks, I will be at IM 70.3 Chattanooga to cheer on my friends (and all the strangers).\u00a0 I was initially registered to race, but obviously, with my body falling\u00a0 apart upon turning 37\u00a0(kidding… sorta), I had to pull out. 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Now, I know what you're thinking.\u00a0 \"Never say never.\" But I think this is one case where I can safely say never. Why? Well,\u2026","rel":"","context":"In "Triathlon"","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/elbowglitter.com\/blog\/wp-content\/uploads\/2016\/04\/Mark-Twain1-300x300.jpg?resize=350%2C200","width":350,"height":200},"classes":[]},{"id":3917,"url":"http:\/\/elbowglitter.com\/blog\/2015\/10\/05\/when-your-race-gets-cancelled\/","url_meta":{"origin":6304,"position":1},"title":"When Your Race Gets Cancelled","date":"October 5, 2015","format":false,"excerpt":"For those of you who follow triathlon, IRONMAN Maryland was scheduled for this past Saturday.\u00a0 Wednesday afternoon, the race was cancelled.\u00a0 The area had already received quite a bit of rain over the past couple of days and more was expected, plus there was a solid chance Hurricane Joaquin was\u2026","rel":"","context":"In "Current Events"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":4696,"url":"http:\/\/elbowglitter.com\/blog\/2016\/09\/28\/race-report-ironman-augusta-70-3\/","url_meta":{"origin":6304,"position":2},"title":"Race Report: IRONMAN Augusta 70.3","date":"September 28, 2016","format":false,"excerpt":"I did it! \u00a0I finished IRONMAN Augusta 70.3! This report is going to be long, so settle in. I was really well trained for this race. \u00a0Really well trained. \u00a0But I just didn't know what was going to happen on the race. \u00a0I wasn't worried about any of the individual\u2026","rel":"","context":"In "Race Reports"","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/elbowglitter.com\/blog\/wp-content\/uploads\/2016\/09\/Ironman-20160925-0053-300x214.jpg?resize=350%2C200","width":350,"height":200},"classes":[]},{"id":3568,"url":"http:\/\/elbowglitter.com\/blog\/2015\/05\/06\/crowdfunding-your-life\/","url_meta":{"origin":6304,"position":3},"title":"Crowdfunding Your Life","date":"May 6, 2015","format":false,"excerpt":"I'm going to discuss a popular subject and voice what may be an unpopular opinion.\u00a0 One of the benefits to having my own blog. Now you all know that I'm relatively positive about most things, but I think I'm in a cranky mood lately.\u00a0 Maybe I'm getting older.\u00a0 But if\u2026","rel":"","context":"In "Fitness"","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/elbowglitter.com\/blog\/wp-content\/uploads\/2015\/05\/1329614049877843-300x210.png?resize=350%2C200","width":350,"height":200},"classes":[]},{"id":3559,"url":"http:\/\/elbowglitter.com\/blog\/2015\/05\/01\/dont-bite-off-more-than-you-can-chew\/","url_meta":{"origin":6304,"position":4},"title":"Don’t Bite Off More Than You Can Chew","date":"May 1, 2015","format":false,"excerpt":"\"Hey, Megan!\u00a0 Guess what?\u00a0 I just signed up for my first triathlon!\" \"Oh, cool!\u00a0 Which one?\u00a0 When is it?\" \"It's a half-ironman in four months!\" \"Wow, that's impressive!\u00a0 Are you going to do any other races before that?\" \"Nope, I want this one to be my first.\" \"Umm...\" Now.\u00a0 You\u2026","rel":"","context":"In "Fitness"","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/elbowglitter.com\/blog\/wp-content\/uploads\/2015\/04\/pixabay\/4\/teeth_1430421861-300x200.jpg?resize=350%2C200","width":350,"height":200},"classes":[]},{"id":2912,"url":"http:\/\/elbowglitter.com\/blog\/2014\/07\/29\/race-cancelled\/","url_meta":{"origin":6304,"position":5},"title":"Race Cancelled","date":"July 29, 2014","format":false,"excerpt":"So one of my upcoming races got cancelled. And I'm not upset. Iron Girl Rocky Gap, a triathlon scheduled for the first weekend of September, is no more.\u00a0 Well, at least not for this year.\u00a0 I can't say I'm surprised.\u00a0 Or disappointed. IGRG was one of the races that was\u2026","rel":"","context":"In "Triathlon"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"http:\/\/elbowglitter.com\/blog\/wp-json\/wp\/v2\/posts\/6304"}],"collection":[{"href":"http:\/\/elbowglitter.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/elbowglitter.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/elbowglitter.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/elbowglitter.com\/blog\/wp-json\/wp\/v2\/comments?post=6304"}],"version-history":[{"count":1,"href":"http:\/\/elbowglitter.com\/blog\/wp-json\/wp\/v2\/posts\/6304\/revisions"}],"predecessor-version":[{"id":6306,"href":"http:\/\/elbowglitter.com\/blog\/wp-json\/wp\/v2\/posts\/6304\/revisions\/6306"}],"wp:attachment":[{"href":"http:\/\/elbowglitter.com\/blog\/wp-json\/wp\/v2\/media?parent=6304"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/elbowglitter.com\/blog\/wp-json\/wp\/v2\/categories?post=6304"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/elbowglitter.com\/blog\/wp-json\/wp\/v2\/tags?post=6304"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}