For the adventure travellers among you, setting off on your trips without the appropriate insurance cover mightn’t be a wise move. You should consider the types of activities you are likely to get up to on your travels, especially if you have those activities pre-booked. Thrill seekers can find themselves, jetskiing, sky diving, scuba diving and perhaps wing-suit flying or skiing to name but a few. Not all insurance companies will sinner these activities and due to the nature of them, accidents are more likely than other “normal” activities. To help you choose the best option for your requirements and budget, you will need to factor in the activities and countries you are travelling to.
Some types of adventure sports
- Bungee jumping
- Sky diving
- Scuba diving
- Off-road buggy driving
- Shark cage diving
- White water rafting
The above list is not exhaustive and you should check with the insurance company that they are covering the exact type of adventure sport you will part take in.
The finer print…
If you have gone through your insurance policy with a fine tooth comb, checked out the boundaries of your cover and understand any exclusions but yet still may have some questions about your travel insurance, a professional travel insurance advisor specialising in adventure travel would be a good second opinion to help steer you in the right direction.
Remember, in the unfortunate event of you being injured or your valuable adventure sports equipment being damaged on your travels, the cost of your insurance is minimal. Be safe and be covered!
Researching & comparing adventurous sports insurance is a wise move.
Adventure sports insurance
Specific experienced insurers offer adventure sports travel insurance, specialising in the kind of risks associated and thus tailor their insurance covers to suit adventure travellers.
It is worth noting, that because you are seeking extra cover and part-taking in activities deemed more risky than simply bathing by the pool, your premium will reflect this. So naturally, adventure sports insurance will be more expensive – don’t be surprised.
However, bear in mind the potential thousands in medical expenses and repatriation costs back to your home country in the unfortunate event of a serious accident. When you look at your insurance cover in this light, the premium is only pennies!
How to use adventure sports insurance
If possible, have a clear picture of which activities you will be doing before you jet off. If you don’t know prior to departure, some insurers will allow you to call up and add an activity onto your insurance cover ad-hoc, by phone. However, generally this won’t be possible so make sure you are specific in taking out your cover.
As a side note, don’t be so sure you’ll be able to rely on the activity provider’s own insurance to cover you, or at least to the extent that you wish.
Remember, a lot of the time you’ll sign a disclaimer before undertaking an activity. Disclaimers relinquish the company from responsibility as opposed to insurance to protect you! Be smart and be safe.