Deb,Guess again Professor! It's in the lovely HIPPA law that they don't HAVE to cover you if you get injured during a high risk activity. Motorcycling is a high risk activity.Luckily I'm covered by my employer group medical that can't exclude my "dangerous" hobbies.
I work for a medical insurance company as a programmer and had to install some of the programming changes for HIPPA. I commute to work on my bike so I was really not happy that I had to install changes for the very law that could personally discriminate against me if I were to be in an accident while commuting to work!
There was special wording in the HIPPA act to protect motorcyclist and a last minute tweak reversed the meaning and so now they CAN deny our coverage. This is not just on the track, this is on the street as well.
Granted, I don't think the large group plans through large employers would go to that extreme, but as far as I know, they can!
Deb
Mine is a Federal Government Group. I'd better do some checking. There has not been a problem in covering my past motorcross crashes, but that was before HIPPA. I'm 99% sure I'm still covered but you bring up a very good point with most policies.
Rick