Xtreme Sports Insurance - Hit the Skatepark with Confidence

I came across XSI, and thought that there's a great chance someone reading this would be interested! Xtreme Sports Insurance (XSI) is a company that offers "accident insurance". They insist it's very different from "health insurance" - this insurance is designed for people who risk getting hurt a lot (so, skateboarders would fit the bill). When you do get hurt, doing anything at all - it doesn't have to be skateboarding - you send them a copy of the doctor bill and they send you money. They don't send the money to the doctor, they send it to you. So, in theory, you could use this along with other insurance, just to help defray costs. And, every time you got hurt, you would have the wierd little bonus of knowing you're going to get some money!

Looking at the XSI website, I'm really not sure how much money you would get. They say they have plans starting at $17.30 a month. This honestly looks like a great deal to me. A week and a half ago, I took a softball to the eye. I know, what's a skater doing playing softball? Well, I obviously wasn't playing very well - I got hit in the eye! Anyway, I have a small broken bone and 8 stitches. If I read their payout plans right, on the $17.30 a month plan I would have received $150 for hurting my eye, $75 for the gash that needed stitches, and I think $750 because I have a small busted bone in my face. Wow. Even though it had nothing at all to do with skateboarding! That sure would have been nice...

But before I head out and sing the praises of this company too much, I'd like to open this up to hear from anyone who might have used XSI, or anything like it. If you know anything about this company, or companies like this, please leave a comment below! I've never actually used XSI, and I don't want to tell people to use it if it's a scam!