Frequently Asked Questions

I need insurance, what do I do?

• Simple just click the free quote tab and follow the prompts.  For health insurance you can get a quote online.  If you do not have any questions just click apply next to the plan you like and fill out the online application.  Your policy will be submitted and we will follow up with you to ensure that everything is in the process of becoming approved.

Is maternity covered?

• Maternity, which is the actual cost of the birth, typically is only covered under a family insurance plan (husband and wife).  However, if you are single and this is a concern then some companies allow you to add a  maternity rider (an extra policy to cover) for an additional premium.  Keep in mind that 99.9% of policies that do not have maternity coverage  will still cover the dependent and any complications that could arise from the birth like the cost of a C-Section. (see policy specific details)

I have coverage now, if I switch companies will I have to start a new deductible?

• Typically you will have to start a new deductible with a new carrier on an indvidual basis.

Will I have a waiting period?

• If your are approved, and you have not had coverage in the past 63 days than any condition you have been diagnosed with or treated for in the past 12 months will typically not be covered for 12 months. (see policy specific details)
• If you have had coverage then typically you will have conitinuous coverage without any pre-existing condition waiting periods. (see policy specific details)

Is RiderSurance, an insurer?

• No, RiderSurance.com is an action sports friendly place to quote and apply for health, life and disability insurance. The perk of the site is RiderSurance.com only offers plans on the site that do not have hobby or occupational exclusions specific to racing and riding so you know you are 100% covered.

What if I do not ride or race?

• No problem, the insurance products we offer are for anyone.

Will I be covered while racing or practicing or competing in events?

• Yes! we only offer insurance products that have no exclusions for racing and riding whether if it is for your occupation or hobby.

What are pre-existing conditions?

• A sickness or injury in which a covered person has, during the time just prior to your effective date.