Here’s an interesting article sent my way regarding insurance for adventure sports. It’s from the L.A. Times travel section and offers up some excellent tips regarding what is and isn’t covered.
Generally speaking, most of our insurance policies will not cover sports or other activities that are deemed “high-risk”. The article notes that activities such as “motorcycling, sky diving, bungee jumping, whitewater rafting, parasailing and spelunking” are likely to not be covered. Climbing or mountaineering are not listed there, but it’s safe to assume that they are also on the list of things that insurance companies would rather not see us doing. The article goes on to explain why travel insurance is a wise investment when ever you head out to some exotic place to partake in one of activities listed above, and even lists some companies that provide that insurance.
Travel insurance in general is always a good idea, as it can save you a lot of money should something unexpected happen on your trip. Travel insurance for adventure travelers and extreme sports should be considered mandatory in my opinion. It’s not very expensive in the greater scheme of things, and having it could not only save you lots of money, but potentially could save your life. When I travel abroad, I always purchase travel insurance, and while I’ve never had to use it, it’s nice to know that it’s there should an issue arise.
Thank Kathy for sending this my way. It’s an informative and useful article and the links to the insurance providers will come in handy in the future.
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The one trip I didn’t buy travel insurance I got extremely sick and needed medical attention…
So I’m a big fan of travel ins. now. 🙂
Ahh.. you learned the hard way! Hope it didn’t cost you too much. After one bad trip, you’ll see that travel insurance is quite cheap!
When I was on holiday I suffered an accident and was trying to find out if I can make a personal injury claim. My problem is that the injury happened when I was on a quad bike safari. I didn’t mention this when I applied for my travel claims insurance. I didn’t actually know at the time that we would be doing that kind of activity. Does it affect whether or not I can claim?
Unfortunately it might. You’ll have to check with your insurance provider, and I’m sure it’ll depend on which plan you chose. Sometimes they have very specific things that they’ll cover, or you’ll have to pay more for a rider that covers using scooters, motorcycles, quads, etc.
Good luck. Hope it works out for you ok!.