Outdoor Recreation Insurance

All ACA members are now eligible for enrollment under the ACA's group Outdoor Recreation Insurance (ORI) policy, to address concerns about paying out-of-pocket for a paddlesports accident.

ORI is not available to the general public and is being provided to you as an exclusive member benefit.

What is ORI?
If you have an accident during a covered activity, ORI pays cash benefits to you for ambulance and medical expenses, and will also make a lump sum payment in case of accidental death. Benefits are paid to you on a cost-incurred basis.

If you have health insurance:
All health plans these days impose significant "cost-sharing" requirements. Many health plans impose annual out-of-pocket maximums of $4,000 to $10,000. In addition, health insurance companies are still allowed to exclude coverage for so-called "dangerous activities".

So use ORI benefits to pay your health plan deductibles, co-insurance amounts (usually 20-30 percent of charges), and other flat fee copayments. ORI also provides a valuable backstop in case your health plan has a “dangerous activity” exclusion.

There is no ORI deductible if you use ORI benefits to pay a deductible under your health plan.

If you don't have health insurance:
You're still eligible for enrollment under the group ORI policy, and the available ORI benefits will you help pay for covered ambulance and medical bills. For less than the cost of many one-day lift passes, you can buy yourself a valuable safety net.

Note, ORI benefits are available only for covered accidents and do not cover illness or disease. If ORI is your only source of coverage for medical and ambulance expenses, a $500 deductible applies.

Eligibility:
All ACA members 14-64*
*Medicare eligible age

How to enroll:

• Use this member's only link to visit the ORI website to enroll and pay the applicable annual premium.
• You will be asked to enter your American Canoe Association member number.
  

Summary of Coverage:

• Covered activities are grouped into three categories:
  • Paddle 
  • Mountain
  • Snow 
• You may purchase a single coverage or a combo coverage
• You may also upgrade from a single coverage category to combo coverage anytime during the original term of 365 days
• Paddle
  • All Water (flat, sea, surf, whitewater)
  • Kayaking
  • Canoeing
  • Rafting
• Mountain
  • Human-powered mountain sports
  • Climbing
  • Outdoor/Indoor Sport Climbing
  • Traditional Rock Climbing
  • Mountaineering
  • Ice Climbing
  • Bouldering
  • Hiking
  • Trekking
  • Trail Running
• Snow
  • Patrolled Ski Areas or Backcountry
  • All Skiing Disciplines
  • All Snowboarding Disciplines
  • Snowshoeing
• Combo Option
  • Coverage for all three categories
• Guaranteed Issuance
  • All members aged 14-64 are eligible for coverage
  • No medical exams
  • No pre-existing condition limitations
  • No medical history questionaires
• Benefits
  • $10,000 in medical and ambulance expenses per coverage category (Snow, Mountain, Paddle)*
  • $10,000 lump sum payment in case of a covered accidental death.
  • *Combo coverage provides a total of $30,000 in medical/ambulance expenses plus a $10,000 accidental death payment
  • Benefits are paid directly to the ORI insured, unless you ask ORI to pay your benefits to one or more medical providers. There is no ORI deductible to pay if you use ORI benefits to pay a deductible under your health plan or health insurance policy. If ORI is your only source of coverage, then a $500 deductible applies.
• Enrollment Cost (Premium)
  • ORI is a "single premium" accident insurance policy
  • One payment is made at the time of purchase 
• Annual Rates*
  • Paddle: $60 per year
  • Mountain: $85 per year
  • Snow: $75 per year
  • Combo: $150 per year
• Upgrades*
  • From Paddle to Combo: $90
  • From Mountain to Combo: $65
  • From Snow to Combo: $75

*Rates are subject to change at any time.

Underwritten by Security National Life, 5300 South 360 West, Suite 200, Salt Lake City, UT 84117, Phone: 800-573-7117 ext.1295