Just curious…(let's use Canadians as an example). If a Canadian goes down to the USA, does any insurance they take out up here cover this type of event? This isn't a race. If it was a traditional bike race (road, mtb) one could take coverage down, as a CBC member, and additional 'professional athlete' insurance. I was in emerg and overnight twice years ago in Oregon. Never an issue with insurance, I didn't have anything special. But I was part of a race sanctioned by USA Cycling. Fully covered, didn't have to run to the border.
Are dudes going down to this with 'athlete insurance' thinking that they are covered, maybe only to find out that they aren't covered when it's too late?
Have to get travel insurance for my move to australia, there's specific section in mine from BCAA that states bicycle competition instead of just race. They have a secondary insurance for competitions.