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Are Your Prepared for Extreme Sports and Hobbies?

Do you sometimes dream of strapping on a hang glider and soaring off a towering seaside cliff? Or do your imaginings include thoughts of parachuting, flying micro planes, going deep sea scuba diving, or even climbing one of the world’s highest peaks?

All those sports and hobbies fall into the extreme category because the come with a dose of danger that you don’t find in everyday pursuits like softball, swimming, and stamp collecting. So, what are the good and not so good aspects of taking part in extreme activities. Here’s a look at a few of the obvious ones as well as some of the points that many overlook when they sign on the dotted line for a club or one-time activity.

Fun

The bottom-line reason people get involved in unusual hobbies like spelunking (exploring caves), base jumping (using a parachute to jump off of high buildings), and flying glider planes is for the fun factor. There’s often an adrenaline rush or once in a lifetime memory connected to most of the things defied as extreme.

Expenses

One thing that a good number of these hobbies have in common is that they are relatively expensive compared to more mundane sports like jogging, hiking, and birdwatching. Consider the fact that most experienced mountain climbers have to come up with a huge cash deposit before scaling well-known peaks. Likewise, things like hang gliding, scuba, and rock climbing all come with significant fees, dues, and training costs. The good news is that it’s usually easy enough to cover the bills by turning to a private lender for loans large and small. When you shop for personal loans, keep in mind that lenders compete with each other for your business, which is why rates, terms, and conditions tend to be competitive and reasonable.

Insurance

If you do anything that a life insurance company defines as extreme, it might be hard to obtain a policy, or to get one that is reasonably priced. If you already have life insurance, read the fine print of the contract carefully to see what activities might disqualify you from coverage, or what kinds of sports could nullify the entire policy. If there’s any doubt, phone an agent and explain your particular situation. If they give you specific advice about how to proceed, be sure to get it in writing so there won’t be any problems later on. It’s actually quite common for carriers to cancel or deny coverage for mountain climbers, hang gliding enthusiasts, and others who like to take part in risky behavior.

Beware of Injuries

Be sure to have excellent medical insurance if you plan to engage in dangerous fun like parasailing, base jumping, or similar high-adrenaline sports. People sustain minor and major injuries frequently while rock climbing, scuba diving, and bungee jumping. Keep in mind that even a simple, onetime, non-extreme adventure like biking through the Florida Keys on vacation can result in serious injury, giving even more evidence to the fact that extreme sports come with potential for extreme consequences. Every category of extreme fun has its own list of potential hazards. It’s important to not only know what they are but to check that your medical plan will reimburse for related injuries. While few people lose their lives in these kinds of pursuits, broken bones, head injuries, and painful bruises are quite common.

Staff Writer
Author: Staff Writer