Types of Adventure Travel Insurance

What can be included in extreme sports?
What are the various plans available for extreme sports?
Find more on the coverage of adventure travel insurance

Are you the risky type? Do you like adventure sports? Adventure travel insurance or medical travel insurance with risky sports cover is what you need to offset financial loss in case of any medical emergency.

Be adventurous and experience life to the fullest whether it is sky diving, scuba diving, river rafting, trekking, hiking, camping, going on a safari, skiing or snow boarding yet be safe by insuring yourself. Some travel insurance policies cover hazardous activities at no extra premium where as others require you to take an additional premium as well as declare your list of activities. Even those insurance companies that do not ask for additional premium have a list of adventurous sports/ extreme activity. If you are injured in any other activity not covered by their list then medical travel insurance risky cover will not cover the emergency medical expenses. A general list that covers the adventure sports given by most insurance companies is

Abseiling
Camel / Elephant Riding or Trekking
Canyoning
Cycle Touring
Flying (piloting private/small aircraft or helicopter)
Gliding
Go Karting
Hang-Gliding
High Diving
Hiking
Horse Riding
Hot-Air Ballooning
Jet boating
Jet Skiing
Kayaking
Mountain Biking
Parachuting
Paragliding
Parasailing
Parascending
Rock Climbing
Rock Scrambling
Sand Yachting
Scuba Diving Scuba
Sea Canoeing
Sky Diving
Snow Mobiling
Trekking
White/Black Water Rafting
Yachting

Essential Cover For Adventure Travel

Adventure travel can cost you both in terms of bodily injury or loss of personal belongings. Even a cancellation could be a loss to you. The cover offered is:

If you incur any cost when you are forced to cancel or cut short your trip due to reasons like death or injury then you are covered from loss arising due to cancellation or curtailment. You could also be covered in case of catastrophe like a strike or sudden inclement weather or breakdown of travel vehicle. Cash benefits are offered in case of hijacks or travel delay or missed departure.
Loss of damage to personal baggage is offered by some insurance companies which limits the values of the article. This does not give you much cover in case you are carrying valuables or costly items. In case of delayed baggage you get cash for purchase of necessities or hire of equipment. Loss of cash or any other related monetary or official documents are also covered
In case of an accident and you are not found then a search and rescue is mounted to find you. On a snowy mountain sledge expenses, in event of scuba diving or other mishaps police and other official civil rescue teams' charges are covered by search and rescue.
Medical expenses cover injury, emergency evacuation even by air, treatment costs which include hospital benefit if you are an in-patient and death benefit in case of accidental death. Accident cover also includes payment toward a partial or permanent physical disablement.
In case of injury or accidents caused by you personal liability covers injury or property damage to the other party. Also legal expenses and advice is offered if you need to mount a claim against a third party.

Ski Insurance

In case you are looking at winter sports cover ski/snowboard insurance is the right choice. In these there are categories that determine your premium. On-piste/off-piste skiing allows you to choose between a well prepared hard track of snow (piste in French) and an off beaten track. The chance of an avalanche is more for an off beaten track hence a difference in premiums. Some ski travel insurance companies give grading to differentiate between first timers and more experience skiers. Essential cover varies with the insurance company.

Continue to: Biking Insurance

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