Have you contaced AFLAC? I have this supplement that covers lost wages, flight, ambulance and much other bad incidents. I think it's some 'indemnity' plan. It's been so long... If you thorougly read all their plans, you'll find the 'one' that offers all this, and has no little saying at the bottom 'does not cover injury incurred while participating in any sanctioned racing event'. Hope this helps. Rhiannon