Travel Insurance for Adventure Sports: What You Need to Know

Travelling around the world and ticking off fun adventures from your bucket list is a memorable experience. However, participation in dangerous activities and adventure sports often brings along the risk of unexpected medical and other emergencies in a foreign, unknown location.

Investing in a travel insurance can be a wise decision to tackle these risks effectively without the added financial and mental burden. But does a travel insurance policy cover adventure sports in its list of standard inclusions? 

Does Travel Insurance Cover Adventure Sports? 

Adventure sports are only sometimes included under a travel insurance plan, and the extent of coverage varies from insurer to insurer. 

Some insurance providers offer them as a standard inclusion, while most insurers may provide them as an add-on rider with their base travel insurance plan.

Types of Adventure Sports Commonly Covered under Travel Insurance 

You must know the types of adventure sports and activities that are covered under this add-on with your travel insurance policy so you can plan your trip itinerary accordingly. 

The list includes the following - 

• Bungee jumping
• Scuba diving 
• Trekking on risky trails 
• Skiing 
• Parasailing 

Please note that to ensure you are covered for all the adventure activities you have planned for your international trip, you must check the policy document and read the fine print to evaluate the types of activities covered under your chosen travel insurance plan.

Top Features of Travel Insurance for Adventure Sports 

If your travel insurance plan covers adventure sports under its standard inclusions or as an add-on coverage, here are some of the potential benefits you can avail of with your insurance policy. 

• Medical Coverage 

Adventure sports can often cause significant damage or injuries to you due to unforeseen technical difficulties, natural calamities or man-made issues. Treatment of these injuries can be an expensive affair. 

However, with a travel insurance policy with the necessary coverage, you can get ample financial support for medical treatments incurred during such adventure activities to reduce your out-of-pocket expenses. 

• Peace of Mind 

Having the necessary financial coverage to protect you from any loss or injury incurred due to active participation in adventure sports allows you to benefit from additional peace of mind. 

Thus, with a travel insurance plan with adventure sports coverage, you can fuel your adventurous soul with a thrilling experience. 

• Personal Liability 

Travel insurance plans from top insurers like Reliance General Insurance offer ample coverage for personal liabilities as a standard inclusion. 

With this coverage, you can also reduce the financial burden of legal fees and compensation expenses in case you injure someone while engaging in any adventure sports or activity. 

• Emergency Assistance 

In case you are travelling alone and hurt yourself while engaging in any of the adventure sports or activities, you can avail of emergency assistance with your travel insurance plan. 

Some of the support you can receive includes medical evacuation, referrals and transportation to the nearest hospital or clinic. 

• Accidental Disability or Death

Many travel insurance policies also cover accidental death and disability that result from engaging in adventure sports or high-risk activities. 

However, the scope of coverage varies based on different factors, so it is recommended to check with your insurer before booking your trip itinerary to safeguard your trip. 

Secure Your Travels with Travel Insurance from Reliance General Insurance

Buy travel insurance from Reliance General Insurance for comprehensive coverage and seamless claim settlement. 

Choose from international, Asia, Schengen travel insurance, student and senior citizen travel insurance plans. Get a sum assured of up to USD 500,000, a quick 2-minute policy purchase process, and a 100% claim settlement for convenient, effective, and reliable travel insurance coverage.

Conclusion 

The availability of adventure sports coverage with travel insurance policies depends on the insurance provider you choose. 

However, to make an informed decision, you must review all the applicable travel insurance plans based on the level of coverage and the list of exclusions regarding types of adventure sports not covered under the chosen plan.

Additionally, you must declare your travel itinerary, especially the adventure activities you wish to participate in during your trip, to get necessary coverage assistance and avoid any unnecessary claim delays or rejections due to incomplete information.