Adventure Sports in your Travel Insurance Plan: Is It Covered?

Travel insurance is a type of insurance that covers you for unexpected events that may occur while you're travelling. This can include things like medical expenses, trip cancellation, and lost or stolen baggage. If you’re planning on participating in adventure sports, it’s important to make sure you have medical insurance for travel and that it covers the activities that you have planned. Not all plans do, so it's important to read the fine print carefully.

Coverage of Travel Plan

Most travel insurance plans in India offer some level of coverage for adventure sports. It is advisable to do a comparison of travel insurance plans before you buy. In general, travel insurance plans will cover the following expenses related to adventure sports:

Medical expenses

If you're injured while participating in an adventure sport, your travel insurance plan will cover the cost of your medical treatment. This includes doctor's visits, hospital stays, and prescription medications. Claims are subject to terms and conditions set forth under travel insurance policy.*

Trip Interruption

Trip Interruption coverage compensate if you are participating in adventure sport during your trip and because of injury you are forced to cut short your travel plan. It provide the compensation for travel charges including early flight for difference in air fare, En-route emergency accommodation, cost of non-refundable hotel charges, tour charges, etc. Claims are subject to terms and conditions set forth under travel insurance policy.

Lost or stolen baggage

If your baggage is lost or stolen while you're participating in an adventure sport, your plan will serve as a baggage insurance policy and may cover the cost of replacing your belongings. Claims are subject to terms and conditions set forth under travel insurance policy.*

Pre-existing Conditions Coverage

Some travel insurance plans offer coverage for pre-existing conditions as an optional coverage, which can be helpful if you have a chronic health condition. Claims are subject to terms and conditions set forth under travel insurance policy.*

Specific Coverage related to Adventure sports

In addition to the general coverage mentioned above, some travel insurance plans also offer specific coverage for adventure sports. This may include things like:

Rescue and evacuation

If you're injured while participating in an adventure sport and need to be rescued or evacuated, your travel insurance plan may cover the cost of these services. Having a travel insurance plan ensures you can receive assistance anywhere. Claims are subject to terms and conditions set forth under travel insurance policy.*

Liability insurance

If you injure someone else while participating in an adventure sport, your travel insurance plan may cover your legal liability. Claims are subject to terms and conditions set forth under travel insurance policy.*

Adventure Activities Covered by Travel Insurance

Before buying a plan, you should know what does travel insurance cover. Here are some of the most popular adventure sports that travellers often indulge in. If you plan to engage in one of these, check with your insurance provider if they are covered:

Rafting

Rafting is a sport that offers the thrill of sailing in river rapids. There are many destinations internationally that allow you to engage in rafting.

Trekking

This is a great way to explore the mountain ranges in popular destinations across the world. There are many different trekking trails, ranging from easy to challenging.

Scuba diving

You can explore the underwater sights in coastal areas in any country you visit. There are many different scuba diving options you can find depending on the country you visit.

Mountain biking

For those that want to carry their love for biking on their travels, mountain biking is a great option. There are many destinations around the world that have mountain biking trails.

Surfing

For those that enjoy the towering waves of the sea, surfing is a great way to have some fun. There are many different surfing spots in destinations like Italy and many more.

Paragliding

If you prefer mountains over beaches or markets, paragliding is a great way to get a bird's eye view of the landscape. There are many different destinations across the world that offer unique paragliding opportunities.

Skydiving

This is a great way to experience the thrill of freefall. There are many different countries such as Spain that offer you the experience of skydiving. If you are inexperienced, you can find local companies that offer tandem jumps for beginners.

Tips to Choose the Right Travel Insurance Plan

Here are some tips for choosing the right travel insurance plan for adventure sports:

Read the fine print carefully

Make sure you understand what is and isn't covered by your policy.

Compare different plans

There are many different travel insurance plans available, so it's important to compare them to find one that fits your needs.

Ask questions

If you have any questions about your travel insurance plan, don't hesitate to ask your insurance company. By following these tips, you can be sure that you have the right travel insurance coverage for your next adventure.

Conclusion

Adventure sports can be a lot of fun, but they can also be dangerous. That's why it's important to make sure you have the right medical insurance for travel. By reading the fine print and comparing different plans, you can find a policy that will protect you in case of an accident. Taking the time to get the right travel insurance will help to protect yourself financially in case of an accident. This will allow you to focus on enjoying your adventure without worrying about the potential consequences.   * Standard T&C Apply 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.