Getting travel insurance if you’re an adrenaline junkie is a bit more difficult than if you were a regular traveller. While some companies will not offer you travel insurance if you’re skydiving, bungee jumping, playing Polo or trekking, it’s just a matter of time until you’ll be able to find one that does.
Getting a travel insurance plan
Being an adrenaline junkie is certainly great and if you have fun practising extreme sports, then it’s obvious travel insurance is one very important factor for you to consider.
There are plenty of very dangerous activities and sports which are not covered by some policies. Each sport will have a certain risks that are assessed carefully by each medical travel insurance company and listed in categories as below:
1. Low risk sports: Archery, badminton, tennis, cricket, basketball, golf, water polo, baseball and volleyball.
2. Sports involving more mobility and higher risks: Kayaking, scuba diving, gymnastics, rugby, swimming, canoeing, paintball, adventure racing and alpine skiing.
3. Sports that include action and elements of violence: Water skiing, mountain biking, water rafting, mountaineering, martial arts, bungee jumping, horseback riding, rock climbing, hockey, boxing and wrestling.
4. Very risky sports: Skydiving, paramotoring, parachuting and hang gliding.
You’ll need to read your policy very carefully to see if you are covered in case of injury in your sport of choice. However, regardless of the type of travel insurance you’re going to get (whether it’s for extreme sports or not), you’ll need to keep a few other things in mind.
- First of all, you’ll have to inquire your current provider if the policy you have also covers other people like family members when you travel abroad.
- You should also assess your needs before you get supplemental traveller’s medical insurance. There are a few factors which will influence the type of plan you require like preexisting conditions, your overall health, high risk activities (scuba diving for instance), length of stay and travel destination and so on.
- Each plan needs to be carefully analysed before taking a decision. You need to understand the refund policies or exemption limits, the co-payments and deductibles involve and the exact amount of coverage you get.
- At this point, you’ll need to get the coverage from a reputable company, like AXA PPP International for instance.
You should know that based on the nature of your holiday, there are different policies you can consider, falling into a few main categories:
- Short stay single trip
- Long stay single trip
- Annul multi trip
Remember to check the terms and conditions very well. You’ll find that some of the typical exclusions include:
- people above a certain age cannot benefit from coverage;
- performing sports in unauthorised areas;
- injuries caused by drug abuse while performing sports activities;
- preexisting medical conditions;
With that being said, all you have to do now is ensure you read the policy carefully and choose the one that suits your needs best.