Adventure and sports-related trips and excursions may be accompanied by particular and unique concerns. Your most urgent demands should be covered by the correct travel insurance policy, ideally. But which kind of policy is ideal? To assist you in making a decision, let’s examine the most popular policies in more detail.
Travel medical plans
Every traveller has a bucket list of things they want to do around the world. No matter what kind of traveller you are, seeing any place is rejuvenating. Everybody has a unique perspective on travel. Some people go on vacation to explore a new location, while others seek out the beauty of nature or adventure sports.
Adventure sports activities, even though they carry a lot of risks, are covered by some travel insurance policies. If you have enough insurance, it will be easier for you to meet the costs if you get hurt while travelling or during any adventure sports.
To find out what travel insurance coverage* companies give while you are abroad, speak with your usual health insurance carrier before buying a travel medical plan. When you travel outside of your native country, your health insurance may still apply in some cases, but it frequently only covers a small amount, if any, of your medical costs.
If your health insurance does not cover expenses outside of the country, travel medical plans can either function as primary insurance or as supplementary insurance (to fill gaps that may be left from your regular health insurance).
You can purchase extensive travel medical insurance for your trip if you are aware of the degree of coverage you require. You must already have primary health insurance in order to be eligible for coverage under some plans. To ensure that you fulfil all eligibility conditions, carefully examine the plan’s specifics.
Comprehensive travel insurance plans
When considering different types of travel insurance, consider that comprehensive plans include medical insurance and extra advantages like luggage insurance, trip cancellation coverage, and travel delay coverage. Heading to a region known for its harsh weather or packing any form of specialised equipment for your activities, comprehensive benefits may be of particular importance to you.
Plans with comprehensive insurance also cover medical evacuation and emergency medical care. As travel medical plans are only accessible when travelling internationally, these plans may also be helpful if you’re looking for medical coverage while visiting the US (if that’s where you’re from).
Hazardous sports rider
You could also want to or need to add a hazardous sports rider to your travel insurance policy, depending on your intended activities. Your travel insurance policy would otherwise not cover injuries suffered while participating in these activities; hence the goal is to give you coverage for those injuries.
Some examples of Extreme Sports and High-Risk Activities:
- Kiteboarding and paragliding
- Climbing rocks
- Mount Bike riding
- Skydiving /Trekking
- Skiing /Snowboarding
Snow sports and action sports are frequent vacation activities, so it’s critical you understand your coverage and make preparations. For instance, not all travel insurance providers may offer coverage for skiing. Your insurance would not pay for any injuries you might sustain while skiing if it is classified as an excluded activity in your plan. The list of basic exclusions is altered by the hazardous sports rider, which is offered with some plans, and some activity restrictions are lifted
If your agenda includes sports and adventure while travelling internationally, a travel medical package can be a wise choice. If you need emergency medical treatment abroad, then this policy comes in very handy.
*Standard T&C Apply.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.