Some travel insurance coverage covers adventure sports. They protect your medical expenses if you are injured while participating in adventure sports on your trip. Furthermore, international travel insurance plans typically include this and several types of travel insurance.
However, if you intend to participate in adventurous sports such as paragliding, diving, surfing, skiing, river rafting, snowboarding, and so on, you will need to purchase adventure sports travel insurance. Here is a list of adventure sports activities that an international travel insurance policy may cover.
- Mountain biking
- Skiing and snowboarding
- River Rafting
- Snorkelling and Scuba Diving
- Jet Skiing
- Climbing on Rocks
Why should you get adventure sports travel insurance?
Adventure sports can be dangerous and provide an adrenaline rush. However, even minor errors while participating in the sport can result in severe injuries and even demise. However, due to the high risk of injuries and demise, most traditional travel insurance plans in India do not cover such programs. Due to this, you will be forced to pay for your treatment expenses abroad, resulting in significant losses.
However, only a few travel insurance companies in India have developed adventure sports travel insurance plans or specific add-on coverage for adventure sports activities. Either way, you and your family are protected against any mishaps that may happen while participating in adventure sports during your trip.
Claims for adventure sports travel insurance:
To successfully file a claim under a travel insurance plan with adventure sports coverage, it is necessary to prove that the incident falls under the scope of coverage. There are three common scenarios where an accident might happen despite your best precautions. In these scenarios, you can file a claim with your insurer. These scenarios include:
- Faulty equipment
It is the organiser’s responsibility to use safety equipment for adventure sports. They should also meet your needs. Generally, you should inspect the equipment before using it.
- Lack of training
Before engaging in adventure sports, it is critical to have received adequate training. The instructors for an adventure activity should follow all the proper procedures and training to provide maximum protection to the participants. However, you may file a claim under this policy if you are injured due to the instructor’s ignorance or insufficient training.
- Ignorance of safety measures
Most adventure activities have prescribed safety procedures such as maximum weight, minimum height, or minimum age limits. The organisers must follow all safety procedures and regulations.
Purchasing an adventure sports travel insurance policy
Purchasing adventure sports insurance protects you financially in the event of an accident while participating in extreme sports. Here are some guidelines to consider before purchasing an adventure sports add-on cover as part of your travel insurance policy:
Ensure to carefully read the policy documents and purchase the procedure only if it covers the activities you are interested in. As a result, ensure that your travel insurance coverage covers emergency medical evacuation due to adventure sports injuries.
You now understand how to financially protect yourself in the event of an accident while participating in adventure sports on your trip. So, before planning an adventure trip abroad, include adventure sports coverage in your overseas travel insurance policy. Remember to carefully read the insurance policies’ terms and conditions before deciding on the ideal one for you.
‘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.‘