Some travel insurance policies cover adventure sports activities. They cover any medical costs you may have if you get hurt while participating in adventure sports while on your trip. However, only a tiny percentage of policies might offer this. Some might do so as an add-on cover.
Although fundamental overseas travel insurance policies include risk-free activities like horseback riding, fishing, etc., you must purchase an adventure sports travel insurance cover if you intend to engage in risky activities like paragliding, diving, surfing, skiing, river rafting, snowboarding, etc.
The following list of adventure sports is a sample of what might be covered by an international travel insurance policy:
- Mountaineering
- Mount Bike Riding
- Snowboarding And Skiing
- Fluvial Rafting
- Ziplining
- Paragliding
- Scuba Diving And Snorkeling
- Water Skiing
- Sky Diving
- Climbing Rocks
- Bungy Jumping
Should You Get Adventure Sports Coverage In Travel Insurance?
Adventure sports can make you feel ecstatic and some are considered dangerous. But if something goes wrong even slightly while playing the sport, it could cause life-threatening injuries or might even prove fatal. However, if you compare overseas travel insurance, most conventional travel insurance plans in India do not cover such plans due to the high risk of accidents and fatalities. As a result, you will be forced to incur significant financial losses by covering all of your treatment costs abroad, in case you were to be harmed when participating in adventure sports. However, some travel insurance providers in India have developed adventure sports travel insurance packages or particular add-on covers that offer coverage for adventure sports activities.*
Claims are subject to terms and conditions set forth under the travel insurance policy.
Adventure Sports Travel Insurance Claims
There are a number of situations where you may be able to claim your travel insurance for any mishap that has occurred when you were participating in adventure sports. Here are some of the situations that may be considered for a claim.
- Defective Equipment
The adventure sports organiser must use safe equipment. They should accommodate your particular requirements throughout the activity. You may file a claim against defective, outdated, or faulty equipment in the event of an injury.
- Insufficient Training
Before engaging in adventure sports, proper preparation is imperative. The adventure activity instructors must adhere to all applicable regulations and undergo extensive training to provide the participants with the ideal protection possible.
- A Disregard For Safety Precautions
Most adventure activities have set safety rules, such as maximum weight, minimum height, or age restrictions. The organisers must follow all safety guidelines or regulations.
Claims are subject to terms and conditions set forth under the travel insurance policy.
Advice For Purchasing Adventure Sports Travel Insurance
- Coverage For Your Particular Adventure Sports: The travel insurance policy does not cover all adventure sports. Make sure to read the policy documents carefully and only purchase the coverage if it covers the activities you are interested in.* Claims are subject to terms and conditions set forth under the travel insurance policy.
- Make Sure You Have Emergency Medical Evacuation Coverage: If you get hurt while participating in an adventure activity, this coverage will help you get transported as quickly as possible to the nearest network hospital where you can receive treatment.*
- Coverage For Return Of Mortal Remains: In the unfortunate event that the person insured passes away while engaging in adventure sports, the cost of bringing back the mortal remains may be covered by your policy.*.
A travel insurance premium calculator is an easy-to-use tool to check the amount of premium you would have to pay.
* 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.
