Are you an adventure lover who seeks thrill wherever you go? While travelling and engaging in adventurous activities seem exciting, they also test your physical and mental capabilities. However, such engagements come with uncertainties that may eventually have significant consequences on your health and finances.
Therefore, it is always wise to include additional coverage for adventurous sports in your travel insurance policy, ensuring maximum protection throughout the trip. Read this blog to learn how to purchase such plans and their details.
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Does Travel Insurance Provide Coverage for Adventurous Sports?
Most reputed travel insurance companies provide adventurous sports coverage during trips. This type of coverage may not be included with the usual ones. You must pay extra to add it to your existing plan as a rider or additional coverage.
Besides these, adventurous sports travel insurance tends to cover a limited list of activities, such as mountaineering, paragliding, river rafting, skiing, etc. You must check these before purchasing a plan to ensure the policy includes coverage for the activities you might engage in.
How Can You Choose the Right Travel Insurance for Adventurous Sports?
You must consider a few things while purchasing an adventurous sports travel insurance plan. These include the following:
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Policy Coverage
Most travel insurance companies provide coverage for adventurous sports. However, these may include different sets of activities. It thus becomes crucial to inquire whether the travel insurance plan you opt for provides coverage for the activities you want to engage in. You can shortlist a few companies or plans based on coverage and your budget and compare these to get the best.
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Coverage Limits
Even if your travel insurance policy covers your chosen activities, it may have certain limits or restrictions for equipment damage, hospital bills, and other expenses. Check these limits and carefully select a plan that perfectly meets your travel needs.
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Exclusions
Most travel insurance policies have exclusions or circumstances during which you cannot raise claims. Therefore, it is crucial to read the policy’s terms and conditions and go through the fine print cautiously to make an informed decision about purchasing a plan.
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Emergency Medical Evacuation
Emergency medical evacuation is necessary, especially when accidents require immediate medical assistance. With this coverage, your insurance company will cover the essential expenses, from transport to proper medical treatment.
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Repatriation of Mortal Remains
Even though it is challenging to consider death during adventurous activities, including such coverage is wise, ensuring the cost of transportation to your hometown is covered. This coverage plays a significant role in the unfortunate event of travellers’ demise, preventing their families from facing financial setbacks.
When Can You Claim Coverage Under Adventurous Sports Travel Insurance?
Here are certain circumstances during which you can raise a claim with your adventure sports travel insurance:
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Inadequate Training
Participating in adventurous sports requires you to be adequately trained by capable instructors. These activities should also be performed under expert guidance, following correct procedures and ensuring the maximum protection of the participants. However, you can raise a claim under your insurance policy if you encounter any injuries due to inadequate training.
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Faulty Equipment
Organisers of adventurous sports are responsible for providing you with safe equipment to participate in the activities safely. However, if you find any equipment is faulty, defective or old, leading to your injuries and accidents, you can claim the necessary coverage instantly.
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Ignorance of Safety Measures
Adventurous sports usually have prescribed safety measures like minimum age, maximum weight, maximum height, etc. Organisers are supposed to look after the careful adherence of such measures. You can raise a claim if you face any injuries due to ignorance of such safety measures.
The Bottom Line
While participating in adventurous sports can be fun, it is essential to consider their risks and uncertainties. Therefore, as a wise traveller, you must incorporate necessary coverage for injuries caused by adventurous activities. Even though it comes at an additional cost, the peace it provides you throughout a trip is priceless.