What Adventurous Sports Activities Are Most Often Insured?
A lot of people now travel, and during their trip, many of them indulge in adventure sports activities. However, these activities, while tremendously exciting, can also be dangerous. Injuries and accidents can occur while performing these activities, which lead to medical costs or even repatriation. This can make a serious dent in your finances if you are not appropriately insured. Thus, it is a good idea to get adventure activities travel insurance to protect yourself in case of an accident.
Most travel insurance companies now offer cover for adventure sports activities, though it will depend on what kind of activities you are planning to carry out on your trip.
Categories of Adventure Activities
Insurance companies have divided adventure activities into different categories based on the risk involved. As an example, here is break up of categories from online travel insurance company:
Category 1 & 2
This category lists the least risky of adventure sports such as aerobics, amateur athletics, badminton, basketball, canoeing/kayaking, and so on. Best insurers offer cover as standard for these categories of adventure sports, which means that if you are going to participate in these activities, then your travel insurance from this company will already cover them.
Category 3
If you are planning to go black water rafting, boxing or kickboxing, mountain biking, rock climbing, etc., then you need to buy extra cover. This is because these activities carry a higher level of risk and so are not covered by your standard travel insurance.
Category 4
These are activities that are considered to be extremely high risk and hazardous. Just like Category 3 adventure activities, you will need to pay an extra premium to get cover for these sports. Due to the nature of these activities, the premiums on them are much higher than what you would have to pay for Category 3 cover.
Each of these activities, whether Category 1 or Category 4, has terms and conditions attached to them. Which means that you can’t just do whatever you want while indulging in these sports. For example, if you go banana boating, you must ensure that you are only a passenger and do not have control of the boat. If you do not follow this condition, then it will be considered a break of the terms and your claim will be denied.
Most Often Insured Adventure Activities
Some of the activities that are most frequently insured are
- Paragliding and Kitesurfing
- Skydiving
- Rock Climbing
- Mountain Biking
- Trekking
- Skiing
- Surfing
-Snowboarding
However, these are just some of popular activities for which travellers who love adventure sports buy extra cover.
Underwater activities and winter sports are considered separate covers, so you should carefully check the list of activities before you buy adventure activities travel insurance. You need to ensure that you are appropriately covered if you do plan on paying that extra premium so that it is truly worth your while.
