Review the Need for SAIP, a document that outlines the importance of accident insurance for athletes. SAIP is valid from July 1st to June 31st of each year.
IMPORTANT ACCIDENT INSURANCE INFORMATION
is only valid during Freestyle Canada sanctioned activities and competitions, including travel to and from the location of a Freestyle Canada sanctioned activity, and coverage 24 hours per day during the time period.
SAIP will cover any gaps in coverage or remaining medical expenses in addition to providing worldwide assistance in medical case management. SAIP provides tertiary coverage. In the event of an accident, claimants must first claim medical incurred expenses through their Canadian Provincial healthcare plan and private health care plan (e.g., employment medical benefits).
SAIP Members are solely responsible for initiating an in-country or out-of-country claim with AIG. Freestyle Canada will not manage claims on behalf of the claimant (see Insurance Claim Process for Membership).
Out-of-country/province Accident Insurance is mandatory for FIS athletes. The Can Free 4 FIS license includes out-of-country/province accident insurance.
Members are able to upgrade SAIP online through the registration system prior to training, competition or international travel.
TYPES OF SAIP
CLASS 3: IN-COUNTRY SPECIAL RISK ACCIDENT INSURANCE
Highly recommended, but optional. In some cases, coverage may be limited to a member’s territory/province of residence. For more information regarding coverage, review the SAIP Quick Reference sheet.
Coverage is coordinated with any other policy and benefits are payable only for excess charges over and above any amounts payable or collected from the government healthcare and any own/parent/spouse employment insurance plan and/or private individual insurance plan.
CLASS 2: OUT-OF-COUNTRY/PROVINCE EMERGENCY MEDICAL ACCIDENT INSURANCE
Mandatory for athletes and coaches who travel outside of Canada, and for FIS athletes. Coverage is extensive and limited to 30 consecutive days of travel from the date of travel departure to the date of return. Coverage includes costs incurred as a result of an emergency (e.g., services of a physician/surgeon/anesthetist/physiotherapist/chiropractor, MRIs, x-rays, prescriptions, etc.) Highly recommended for athletes and coaches who regularly train and compete outside their territory/province of residence where the athlete/coach holds territorial/provincial medical insurance.
CLASS 5: TEMPORARY US ACCIDENT INSURANCE
This insurance option is mandatory for athletes and coaches who plan to train a maximum of once per Membership Year in the USA. Coverage is the same as the Out-of-country Accident Insurance, however it is limited to non-FIS athletes for 14 (Class 5) consecutive days of travel within the USA.
INSURANCE CLAIM PROCESS FOR INJURED MEMBERS
Review the Insurance Claim Process for Membership, the step by step guide on how to proceed if an accident/injury occurs during a Freestyle Canada sanctioned activity, and how to either have the insurance company pay the expenses directly, or to claim for medical expenses.