quote:Originally posted by lobo
I was told very recently by my insurance company that as long as you don't climb professionally, that if it's only a hobby, a past time, you are covered. But I don't believe insurance companies at all. They say all these things to get you to sign up, but will they pay?
I hear you...that is my fear as well
quote:Originally posted by johngenx
The best bet is to work with a good broker that can search various companies for the best fit for you. My problem was that I hit four of the worst six outdoor activities (mountaineering, rock climbing, backcountry skiing/ski mountaineering and waterfall ice climbing) as well as the frequency of getting out. Sure, I'm a weekend warrior, but I spend a lot of time in the mountains, and quite a bit doing the fore-mentioned stuff.
I might just do that...not sure how much I want to pay though since Alpine climbing is only a small portion of my outings. The interesting thing is that rates are going up as soon as you put the rope on but in my opinion that is safer than some of the difficult scrambles I do while those are considered regular hikes and are covered by most insurance companies...
quote:Originally posted by swebster
I didn't have much trouble getting life insurance through London Life... I had to do a telephone interview, but I answered everything truthfully and told them about my mountaineering, backcountry skiing etc. and was approved.
Sounds sketchy, would want to check their policy and their terms and conditions...
quote:Originally posted by NathanC
I just kept applying to different companies and finally found one that will insure me for my stated activities (rock climbing, ski touring, etc.), without it costing me "hundreds of dollars" per month. . .
I've had more than one company say to me. . ."if you die climbing a mountain, we aren't paying". . .I've finally found one that WILL pay!!!
Can you share with us what company that is?
I think the overall chance of getting disabled over actaully dying is a lot higher while it seems like there are less companies that provide disability insurance while climbing(probably for that same reason).
Thanks everybody for their input and keep those suggestions coming. As soon as I have more information from my broker I will share this as well.