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Buying Dangerous Sports Travel Insurance

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If you are planning to go on a holiday which involves sports activities (including bungee jumping, water skiing, para-gliding and rock climbing, to give a few examples), it is always strongly advised to take out sports travel insurance or at least, a policy which clearly covers the activities you plan to participate in.

To find the best sports travel insurance policy, you are best off shopping around and paying specific attention to the small print in the different policies. Normally though, most travel insurance policies do specifically ask if you plan to undertake dangerous sports and these sports are often listed. If you plan to be involved in any of these sports. The easiest way to ensure a specific activity is to call the travel insurance company direct via their support number. Do be honest though about the activities you plan to be involved with in holiday because any mis-information, can invalidate your sports cover.

Groups – Sports travel insurance policies can come with cover for individuals as well as families for a wide range of sports ranging from hiking to extreme sports. These policies commonly provide cover for sports such as bungee, skiing, cycling, football, surfing and running. If you are travelling as a family or as a sports group, DO ask the insurance policy if they have prices for groups.

As an adventurous sports enthusiast, you might wonder if you really need to bother with anything more than a standard policy. As a traveller you might be excellent at a particular sport and might enjoy excellent health too, but you simply never know exactly what might happen during a sports or activity related holiday. The most optimistic and experienced of sports people though can get get involved in an accident, suffer an injury, lose their baggage or sports equipment, or have to cancel their expensive sports trip at the last moment. A good sports travel insurance policy provides protection against all these. For instance, if you damage your sports equipment, the insurance company will bear the expenses of replacing it.

The most important aspect of a sports travel insurance policy is medical coverage. If end up with an injury in a strange place far away from home, or in a country which high medical costs, proper sports travel insurance is vital.

Dangerous Sports Cover – You might be a very active person people who frequently indulges in activities on holiday, but which you deem to not be very dangerous, yet these activities may be considered differently by insurance companies. Activities such as horseback riding, mountain biking and cross country skiing might look safe in comparison to more extreme sports, but special insurance designed for high adrenaline activities covers all of them. Conventional travel policies do not. Twisting an ankle while skiing can destroy a holiday schedule, so purchasing coverage in advance is a smart decision.

Typically, activities with different degrees of danger constitute ascending tiers of cover that are priced accordingly. The entry level policies may include such relatively tame activities as windsurfing while the next tier includes scuba diving. Mountaineering bumps the insured to tier three while paragliding is the most expensive cover at level four.

Other top level, high-danger activities as defined by many sports cover companies include:

  • Kayaking
  • Show jumping
  • White water rafting
  • Heliskiing
  • Hang gliding

Commonly, travellers will seek cover for the specific sport they plan to practice during a particular holiday, such as ski cover. However, if they purchase an annual policy and plan to partake in more than one qualifying sport, they need to purchase cover for each.

Many sports travel policies have limitations on specific sports too. For example, cover for deep sea fishing might limit distance from shore, and off-piste ski cover may apply only when the insured is accompanied by another skier. Some insurance carriers limit cover for dangerous sports to particular age groups, reasoning that the older one becomes, the riskier it is to supply cover. Those providers who do not disqualify dangerous sport cover beyond a certain age limit will certainly charge more for protecting older clients.

Another consideration when selecting an adequate dangerous sports travel policy is type of cover. Liability will pay for injuries caused by the insured to other people and property while personal injury cover pays for the insured’s medical expenses, repatriation and travel delays. Cover for loss of earnings, search and rescue charges, and personal sports equipment damages may be included under the policy or may require additional premiums. Travellers can work with an agent to customise a dangerous sports travel policy that suits their particular needs.

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