We have asked that you have in place Travel Insurance cover and specified Evacuation cover to last for a minimum period of the event duration for the days you are with us on the published itinerary. Evacuation and medical expenses cover should total no less than $500 000. A copy of this cover/covers (if separate policies) is required to be received by us 18th July alongside the other admin actions.
To be clear on the medical insurance, for US citizens, we simply require to have sight of your existing health insurance. You do not need any further specified policies. For international visitors, we require that you have Evacuation and medical expenses cover should total no less than $500 000.
We also recommend that participants have insurance to cover damage, loss, theft, injury and non-attendance. Rat Race cannot accept any responsibility for the loss of, theft, or damage to any Participant property or the circumstances of Participant non-attendance.
If you are bringing your own bike, we ask that you have a policy in place to cover it for damage, loss or theft. It is up to you what level you cover it for (and of course several overarching policies will provide coverage for loss or damage of sports equipment) but we would advise that you place cover for the replacement value of the bike, if you can do so. Rat Race and its agents, staff and sub-contractors cannot be held responsible to any damage to personal equipment of bikes whether we are transporting them or otherwise; so it is important that you select a level of cover that you are comfortable with.
Some suggested providers are as follows:
For UK and Channel Island residents Rat Race’s own insurer brokers have a brand-new product:
Note: This is Rat Race’s UK-based insurance broker, specialising in the leisure insurance market. This is a specialist sports travel cover product; however Rat Race is neither an insurance broker or underwriter. We can recommend Mann Broadbent wholeheartedly as good people to deal with, but please remember that this is not a ‘Rat Race product’ and we have no say whatsoever on claims decisions made by the insurers, in the event that you raise such a claim via one of these policies.
Other Providers:
Note: We have no relationship with any of these providers, but previous customers have found them reasonable to deal with regarding some of our similar Bucket List challenges.
Note: For all insurance, please remember that cover is offered based on several factors, (the nature of the event disciplines being one of them), but your own insurance profile, age, health and other details form a big part of this. As such, we are always happy to provide details to insurers in support of cover requests from customers, but we cannot influence their decisions as to whether to offer cover to individuals.