What’s the Most Dangerous Activity You Participate in?

I was reading through my high school alumni newsletter today, and I noticed a really interesting company started by a fellow alum (albeit somehow who graduated years after me–I don’t know them).

It’s called Buddy, and it’s an insurance company that offers accident coverage. Here’s how they describe themselves:

Buddy is an insurance agency built for outdoor enthusiasts. We are adventurers, techies, and insurance innovators and we’re creating a platform to protect you as you enjoy an active, outdoor life.

It’s not meant to replace regular health insurance–rather, it’s supplemental care if you will soon be participating in a somewhat risky activity. If you get hurt while doing it, Buddy helps with the costs, and they pay you, not the health care provider.

I’m fascinated by this concept. I really like how targeted it is–you can even pay for just a single day of coverage if you want! So if you’re the type of person who, say, goes on a really difficult hike once a year, you could sign up for Buddy just for that hike.

There is a “but,” though, that I found while looking through the FAQ. There are a number of risky outdoor activities that Buddy doesn’t cover, including bungee jumping, skydiving, wingsuiting…basically, the types of things that come to mind when I think about dangerous outdoor activities.

I’m trying to think if there’s anything for which I would use Buddy, but I live a pretty low-key life. I’m glad it exists, though, in case I ever decide to take a walk on the wild side. Unless I want to run with the bulls, that is–it isn’t covered by Buddy.

What do you think of this concept? What’s the most dangerous activity you participate in?

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