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We just lately caught up with BTF x Yellow Jersey age-group ambassador Dr Hussain Al-Zubaidi for a fast Q&A on what occurs when issues don’t fairly go to plan. A dedicated age-group triathlete balancing coaching and competitors alongside a demanding skilled profession, Hussain provides an trustworthy perception into his latest expertise with insurance coverage and why having the proper cowl issues while you’re juggling efficiency targets with work, household, and on a regular basis life.
What occurred that meant you needed to cancel your race?
I fell off my bike in a coaching journey one week earlier than the World Age Group Lengthy Distance Triathlon Championships and fractured my clavicle. It was devastating to overlook an occasion I’d skilled so exhausting for, however the damage made racing not possible and restoration was the one wise possibility.
At what level did you realise you’d have to make a declare?
It grew to become clear immediately, as soon as the fracture was confirmed by X-ray and my clinician suggested no racing. Regardless that I knew it was fractured, I mentally wanted the doc to inform me “no manner mate”. With solely every week to go, there was no real looking probability of competing, so I contacted Yellow Jersey to start out the declare course of.
What was your expertise of the claims course of with us?
Completely sensible. The entire course of was simple, pleasant and quick. The claims kind was clear, and the group have been useful about what proof they wanted. I uploaded medical notes and the fracture affirmation with none faff, and Yellow Jersey saved me up to date at each stage. Their professionalism and velocity actually took the strain off throughout a fairly tense time.
Was there something that stunned you about the way it labored?
I used to be pleasantly stunned by how compassionate and communicative the group have been. They made some extent of explaining the steps and timescales, and their checklists made it easy to know what to ship. The effectivity and human contact have been each greater than I anticipated.
How vital is race payment cowl to you as somebody who trains for giant occasions?
It’s important. Coaching for giant occasions is a big funding, bodily, mentally and financially. Realizing there’s cowl in place means you may decide to races with out the fixed fear of dropping your entry payment ought to the sudden occur.
What recommendation would you give one other athlete contemplating race payment cowl?
Get it. Learn the coverage so that you perceive what’s lined and the timeframes, maintain clear medical information, and call your insurer as quickly as you realize you’ll miss the occasion. Take images/scans of paperwork and use digital folders to maintain every part organised, it makes submitting a declare a lot simpler.
Did the quilt assist you re-book or plan your subsequent occasion?
Sure, it helped vastly. Whereas it couldn’t exchange the expertise of racing, the compensation eliminated a giant monetary burden and allowed me to funds for extra physio and to carry my place for a later occasion. That sensible assist made restoration and planning a wise comeback so much simpler.
Yellow Jersey’s entry-fee declare cowl gave me actual peace of thoughts when the worst occurred. Their product is designed to guard athletes’ entry charges in the event you’re compelled to tug out due to sickness or damage. Precisely the kind of sensible assist you need after investing time, coaching and cash into a giant occasion. Whereas nothing can exchange the expertise of lining up at a world championships, Yellow Jersey’s clear, speedy assist meant I didn’t lose the monetary outlay, and for that I’m genuinely grateful.
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