CORONAVIRUS UPDATE FOR EVENT MEMBERS

As you might imagine, we are getting a lot of calls about the Corona Virus.  Unfortunately, the Event Member Cancellation Refund Protection Benefit available through Adventure Advocates Event Membership does not include any coverage for communicable diseases, such as the current Coronavirus outbreak.  Stand-alone policies that can be bought on your own, such as those available through Running USA and RDHQ Club can include communicable disease coverage, but the current outbreak is excluded from all new policies.  Going forward, if this type of exposure is something you feel you’ll need coverage for, we recommend that you contact your local insurance agent, or contact the Running USA insurance partner, the Nicholas Hill Group, Inc.

We recommend that your team continues to monitor the Centers for Disease Control and Prevention website by keeping an eye on the Travel Health Notices that are posted.  It shows current travel warnings, segmenting them out into 3 levels, which include a Watch, Alert and Warning. 

Regarding the coverage that is currently available through the Adventure Advocates Event Member Cancellation Refund Protection Benefit, below is the Disclaimer Document that your registrants can see when signing up for the event.  This document outlines when a refund would be payable for a cancelled Event Member.

Cancellation and Postponement Disclaimer

Adventure Advocates will provide a full or partial refund of your registration fee to you should the (covered event) be canceled or postponed for one of the following reasons and not rescheduled within 90 days. Adventure Advocates is not providing an insurance plan to you. Adventure Advocates is providing a refund guarantee on behalf of the Event that you are participating in should the event be canceled due to certain circumstances. Please note, for the refund to be paid, the Event that you are participating in must maintain it’s Event Membership in Adventure Advocates until the event has occurred or has been canceled per the terms of this Disclaimer. Adventure Advocates will provide the refund money to (covered event’s registration company partner), who will then distribute the refunds back to the credit or debit cards that were used to originally register for (covered event).

Adverse weather - means any adverse weather that involved conditions that posed a serious threat to the safety of those individuals attending or setting up the insured event or made it physically impossible to use the venue due to physical damage of the venue or complete inaccessibility to the venue.

Natural Catastrophe – means earthquake, tsunami, flood, volcanic eruption, hurricane, tornado, forest fire and/or any other extraordinary meteorological event causing widespread damage.

Terrorism – means an act or series of acts, including the use of force or violence, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s), committed for political, religious or ideological purposes including the intention to influence any government and/or to put the public in fear for such purposes. Notwithstanding the forgoing, this does not cover any loss, cost or expense directly or indirectly arising out of, contributed to or caused by, or resulting from or in connection with: 1. Any fear of a potential act of terrorism; 2. Any threat of an act of terrorism, except that this policy is extended to include loss or damage as a result of an threat of an act of terrorism in which such threat results in a public safety civil authority issuing a written order resulting in the inability to hold the insured event as scheduled; or 3. Any act of terrorism involving a nuclear weapon or device or the emission, discharge, dispersal, release or escape of any chemical or biological agent.

Please note that we will not provide any refund should an event be canceled once it has started. We will also not provide a refund if the event is rescheduled to take place within 90 days of the original commencement date of the event or if the covered Event also provides refunds for the same perils listed above. Should the (covered event) be canceled for any other reason than explicitly stated above (covered event’s registration company partner) is unable guarantee a refund of your registration fee, however you may be due one from the event organizer.”