[BktBallRef]

Originally posted by Camron Rust

While these might have sounded good, the primary purpose of the insurance is liability.

If any one is really impacted by the loss of even a most of a season's worth of game fees then they have bigger financial problems that having the insurance is not going to fix and over the course of a few years, they would have been better off not paying the insurance and pocketing the money.

We should all have other medical coverage that would cover the other areas. The liklihood of one of them happening during a game, while possible, is not probable relative to all the other hours of the day and other activities we probably engage ourselves in.

Like all insurance (and extended warranties are also just another form of insurance), the insurance company is going to take in more than they pay out. They have to pay the employees, their utilities, rent, etc. and then payout the claims. They have the inside knowledge and all the data. You don't. They know how likely any event is. You're essentially making a bet that you will have a problem that requires the insurance while they're betting you won't...and they have the inside info. The only reason to have insurance is to cover for unusual situations that will completely devastate you.

Simply pointing out that the cost of the insurance has gone up and these types of coverages have been dropped to prevent premiums from being even higher.