I keep a very healthy life and AD&D policy for the wife. Matter of fact, I know she loves me cause I'm typing and she is not drinking champagne in her private villa in the Maldives.The fear of injury hasn't curtailed my riding, but the fear of financially crippling my family does. When I was on Tricare, meh who cares. But now...****. My wife had a partial hysterectomy and the bill was 40,000 dollars....for an outpatient surgery, which insurance is fighting us for. My last trip to the ER for a kidney stone generated a bill of almost 4,000 dollars out of pocket. Total bill was almost 10k. for a CT scan, some morphine and some high-end anti inflamatories.
I mean I know you're in the field, so I’m preaching to the choir, but that alone was enough to severely curtail my riding to almost zero after riding consistently since I was 16 years old and most years doing 20-30k a year
I did curtail my riding when she went through her breast cancer ordeal a few years ago (successfully). Money doesn't sit beside your wife in ICU and feed her ice chips. I'm am still amazed how much money that ordeal was and how little I paid out of pocket.