FAQs

Q: I already have health insurance why do I need accident insurance?   
A: Because the accident benefit you receive in your Adventure Advocates membership has a low deductible, the benefit can help cover out-of-pocket expenses that are not paid for by your full coverage health plan.  Many group health plans have high deductibles, costly copays or co-insurance.  Let Adventure Advocates fill in the gaps:  Adventure Advocates is a great supplement to any full coverage health plan.

Q: What non-insurance benefits are included in the Gold Plan? 
A: 

Q:How do I print my membership card and/or claim forms?
A: You need be registered in the members only portal and visit this portal to print your membership card and claim forms.

Q: How do I register my membership account in the Adventure Advocates website?
A: Go to adventureadvocates.com and click on the membership sign-in button. There is a link for first time members to register. Type in the information exactly as you did when you registered and set up your password. This will allow you to print off your membership card (not an insurance card) and have access to all of your member benefits.

Q: I am not getting e-mails from Adventure Advocates notifying me of membership payments, payment failures and other important account information.
A:  Check the spam settings on your e-mail account and enable messages coming from info@adventureadvocates.com to be received into your inbox.  We have found that many or our messages end up in the spam folder of our member’s e-mail accounts.

Q: My credit card or bank card has been lost, stolen or cancelled, how do I update my payment information to insure that my membership benefits are not interupted?
A:  Call the Adventure Advocates marketing and administration office at 1-800-211-9002 for assistance from a representative.

Q: I just got into an accident, how do I start the claim process?
A: If you are insured, or the accident occurred at a covered event (many race events have coverage as part of the entry fee or association dues) you need to    pursue the claim first through your personal health insurance or event coverage.  If you do not have any other insurance/ coverage for the accident or any out-of-pocket expenses that your health insurance or event coverage does not cover (co-pays, deductibles, etc...) the claim can be submitted for reimbursement through Adventure Advocates.   Members need to collect the itemized invoice(s) for all out-of-pocket medical expenses.  The invoice(s) should have source codes that allow our claims administrator to properly identify the nature of medical treatment.    The member needs to print off the Accident Medical Expense Insurance Claim Form from the member’s portal on the Adventure Advocates website and submit the completed form and invoice(s) to the address given at the top of the claim form.

Q: I have submitted a claim to the claim administrator and a reasonable amount of time has past without payment – how do I check on my claim?
A: Call the Adventure Advocates marketing and administration office at 1-800-211-9002 for assistance from a representative.