Coverage Details

Premium Is Automatically Included In Event/Tour Registration Fee

 

Insurance Benefits For Participants In A Covered Bicycle Event / Tour

Serious Injury Coverage

Supplementary Expense Coverage

Traumatic Brain Injury (TBI)

  • $50,000 for severe TBI.
  • $25,000 for moderate TBI.

Paralysis

  • $50,000 for quadriplegia, hemiplegia or paraplegia.
  • $25,000 for uniplegia.

Accidental Death

  • $50,000.

Dismemberment

  • $50,000 for loss of two hands, feet, or eyes.
  • $25,000 for loss of one hand, one foot, one eye, speech or hearing.

The Supplementary Expense Benefits Shown To The Right Are Payable In Addition To Any Of The Serious Injury Benefits Shown Above.

All Benefits Are Payable In Addition To Any Other Insurance The Rider May Have (Except As Noted For Ambulance).

Hospitalization

  • $300 per day of hospitalizationfor up to 60 days. (These hospital benefits do not include confinement in a Long Term Acute Care Hospital.)

Emergency Care Treatment

  • $300 per visit for treatment in an Emergency Room.
  • $150 per visit for treatment in an Urgent Care Center.

Physical Therapy

  • $75 per visit for up to 10 visits (requires initial treatment by a medical professional within 72 hours of the accident. Physical Therapy must begin within 60 days of the accident & treatment must be for the same injury caused by the accident.)

Ambulance

  • Reimburses up to $5,000 for air or up to $500 for ground ambulance expenses when medically necessary treatment is required due to an injury during the event. (Note: ambulance benefits are payable in excess of any other insurance the rider may have including major medical insurance coverage.)

Event Sponsor / Tour Operator Obtains Group Coverage For All Participants

Specific rates will be quoted for each event based on the risk characteristics of the event. Contact AGU or submit a quote request.

Benefits are payable for registered participants who have an accident causing injury during a cycling event while riding
a bicycle & wearing a helmet. Benefits are reduced by 50% if the cyclist is not wearing a helmet (as defined in the policy).
EXCLUSIONS

Benefits are not payable for injury caused by:

  1. Suicide, self-destruction, attempted self-destruction or intentional self-inflicted injury while sane or insane.
  2. War or any act of war, declared or undeclared.
  3. Sickness, disease or any bacterial infection, except one that results from an accidental cut or wound or pyogenic infections that result from accidental ingestion of contaminated substances.
  4. Violation or in violation or attempt to violate any duly-enacted law or regulation, or commission or attempt to commit an assault or felony, or that occurs while engaged in an illegal occupation.
  5. Voluntarily taking any drug or narcotic unless the drug or narcotic is prescribed by a physician.
  6. Intoxication or being under the influence of any drug or narcotic.
  7. Purposely causing both wheels of the bicycle to simultaneously leave the ground.
  8. Performing any bicycle stunt or acrobatic act.
  9. Riding as a passenger on a bicycle not specifically built or adapted to carry a passenger.
  10. The actual or threatened use of pathogenic or poisonous biological or chemical materials by any person(s), committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public or any section of the public in fear.
  11. Nuclear reaction, nuclear radiation or radioactive contamination.
 

Dismemberment

Loss of:

  • Two or More Members - $50,000.
  • One Member - $25,000.
  • Thumb and Index Finger of the Same Hand - $12,500.

“Member” means Loss of Hand or Foot, Loss of Arm or Leg, Loss of Sight, Loss of Speech and Loss of Hearing.
“Loss of Hand or Foot” means complete Severance through or above the wrist or ankle joint.
“Loss of Arm or Leg” means complete Severance through or above the elbow or knee joint.
“Loss of Sight” means total and permanent loss of sight of one eye that is irrecoverable, including by surgical and artificial means.
“Loss of Speech” means total and permanent loss of audible communication that is irrecoverable by natural, surgical or artificial means.
“Loss of Hearing” means permanent total deafness in both ears such that it cannot be corrected by any aid or device.
“Loss of Thumb and Index Finger of the Same Hand” means complete Severance of each through or above the metacarpophalangeal joint of both digits of the same hand.
“Severance” means the complete separation and dismemberment of the part from the body.

 


Severe And Moderate Traumatic Brain Injury Definitions

Severe Traumatic Brain Injury means a traumatically-induced structural injury to the brain with physiological disruption of brain function resulting directly and independently of all other causes from a Covered Accident:

  1. indicated by the presence of the following clinical signs:
    1. a Glasgow Coma Scale (GCS) score of eight (8) or less or an equivalent result on another coma severity scale as approved by Us; and either
    2. loss of consciousness for a period of twenty-four (24) hours or more; or
    3. Post Traumatic Amnesia (PTA) persisting for seven (7) days or more as measured by the Galveston Orientation and Amnesia Test (GOAT); PTA is considered to have ended when a GOAT score of seventy-five (75) or more is achieved on three (3) consecutive administrations.
  2. directly and independently resulting in:
    1. physical, cognitive, emotional or behavioral functional impairment requiring admission to a Long Term Acute Care Hospital; and
    2. subsequent rehabilitative treatment by any or all of the following: Physicians, psychologists, physical therapists, occupational therapists, speech language pathologists.

Moderate Traumatic Brain Injury means a traumatically-induced structural injury to the brain with physiological disruption of brain function resulting directly and independently of all other causes from a Covered Accident:
  1. indicated by the presence of the following clinical signs:
    1. a Glasgow Coma Scale (GCS) score of nine (9) to twelve (12) or an equivalent result on another coma severity scale as approved by Us; and
    2. loss of consciousness for a period of at least thirty (30) minutes.
  2. directly and independently resulting in:
    1. physical, cognitive, emotional, or behavioral functional impairment requiring admission to a Hospital; and
    2. subsequent rehabilitative treatment by any or all of the following: Physicians, psychologist, physical therapist, occupational therapists, speech language pathologists.

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