Generally, travel insurance does not provide built-in cover for adventure sports. However, you can opt for this cover via riders or add-ons. By opting for these add-ons, you will receive coverage for medical expenses for the injuries sustained during the activity. This insurance coverage further includes cashless hospitalisation, OPD treatments and day care treatments. Apart from this, you also get a fixed amount for every 24 hours of hospitalisation, up to the specified number of days.
In this blog, we will discuss what adventure sports travel insurance is, a list of adventure sports covered and more.
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What is Adventure Sports Travel Insurance?
Adventure sports travel insurance is a specialised insurance cover designed for people who like to participate in extreme sports. Unlike regular travel insurance, which mainly covers trip cancellations, lost baggage or basic medical emergencies, this insurance extends protection to injuries or incidents related to adventure activities.
List of Common Sports Covered under the Insurance
Here are some of the popular adventure sports that are included in your insurance policy:
Trekking and hiking (up to a specified altitude)
Scuba diving and snorkelling
Skiing and snowboarding
Paragliding and hang gliding
Bungee jumping and zip-lining
White-water rafting and kayaking
Rock climbing and mountaineering
Surfing and windsurfing
Cycling and mountain biking
What is Covered in the Adventure Sports Travel Insurance?
Adventure sports travel insurance includes several important benefits:
Medical Emergencies
During the activity, if you sustained any kind of injury, you will get coverage for doctor consultations, diagnostic tests, surgery, medicines and post-treatment care. However, these expenses will be covered only for the listed activities and the activity must be performed following safety guidelines.
Trip Interruptions
If due to injury, you have curtailed your planned trip, then you are eligible to raise the claim for reimbursements for the non-refundable hotel bookings, early flight booking, en-route hotel booking and more. To be eligible for these benefits, the injury must be sustained during adventure sports.
Accident Death And Permanent Disability
This benefit provides financial compensation to your nominee in case of accidental death during an adventure sport. It also covers permanent disabilities such as loss of limbs, vision or hearing caused by an accident. The payout amount will depend on the severity of the disability and policy limits.
Loss of equipments
You further get the financial protection against the loss, theft or damage to your adventure sports equipments diving gear, skis or climbing equipment up to a specified limit.
Personal Liability Coverage
Adventure sports travel insurance also provides financial aid in case you accidentally injure another person or damage their property while participating in an adventure sport. It includes legal expenses and compensation amounts the insured is legally liable to pay.
Search and Rescue Expenses
This coverage offers financial protection for your search in case you go missing or are stranded during the activity. It is ideal coverage for trekking, mountaineering and wilderness sports.
What are the Steps to Buy Adventure Sports Travel Insurance?
Here are the key steps that you can follow to buy adventure sports travel insurance:
List the sports you plan to participate in and check whether they are covered or not.
Review different policies to find one that specifically covers your chosen activities.
Ensure adequate coverage for medical expenses, evacuation and personal liability.
Read the policy wording carefully to understand what is not covered.
Disclose any pre-existing conditions to avoid claim rejection.
Opt for required add-ons like equipment coverage, etc.
Conclusion
Adventure sports travel insurance is essential for travellers seeking thrills and excitement during their journeys. It includes coverage against medical emergencies, accidents and unexpected costs. However, before purchasing, make sure you review the list of covered activities, coverage limits and exclusions to avoid surprises later.
Hello, I’m Kelsey Thompson. My goal is to show that traveling can be affordable and fun! I love to explore new places and experience different cultures. I also like iced coffee, iced tea, and ice cream (in that order).
