Planning an adventurous trip? Here’s why you need travel insurance – Robb Report
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If you are planning any adventure activities or extreme sports on your next vacation, it is important to find a suitable travel insurance policy. If you are injured while taking part in certain entertainment deemed “adventurous”, you may not be able to file a travel insurance claim.
And what the typical active person considers to be “adventure” or “extreme” sports may be very different from the definitions of “adventure” that come out of the cabs of insurance companies. Canoeing, hiking, paintball? Some travel insurance plans exclude coverage for injuries thereof. But, bowling? It could also be a “no”.
The key is to be aware that certain activities and sports may be excluded and to work with a travel insurance agent to find a good plan that will cover your itinerary.
Why have travel insurance?
If you have good health insurance and are going on an adventure in the United States, you may not need the safety net of travel insurance. But if you are traveling outside the country, be aware that your US health plan may have little or no coverage. (The same goes for Medicare.)
Travel insurance is a way to purchase travel medical insurance when you are outside of the United States. It can also cover emergency medical evacuation, for example if you need to be airlifted to a hospital or even taken home with a serious injury. Additional costs associated with trip interruption due to injury may also be covered.
Activities that are often excluded by travel insurance plans include:
- Dog sled
- Hang gliding
- Scuba diving
- Shark diving into a cage
- Recreational snowboard
Also, in case that’s your thing, pigeon racing.
“These exclusions would mean that any claims related to injuries or accidents resulting from these activities would be denied,” said Carol Mueller, spokesperson for Berkshire Hathaway Travel Protection, a travel insurance provider.
Things that you might not consider sport, whether extreme or not, may be caught in the net of some business ‘adventure’ exclusions, such as working in sanctuaries / shelters. for animals.
Conversely, activities that you probably shouldn’t be doing anyway may be covered if you find the right policy. For example, some policies from Berkshire Hathaway, Tin Leg, and Travelex will cover volcanic climbing. And battleface, iTravelInsured, and Tin Leg will cover the swing of the bridge.
And Octopush? This is where you play underwater hockey at the bottom of a swimming pool. You can get coverage for it.
Finding good adventure travel insurance
Adventure travelers should look for high limits for travel medical insurance and medical evacuation coverage in a travel insurance plan, for example $ 250,000 or more.
“Increased medical evacuation coverage is very important for adventure travelers, as a medical evacuation in a remote area could cost a traveler over $ 100,000 out of their own pocket,” says Mueller.
If your adventure requires specific equipment, take this into account when purchasing travel insurance. Look for a plan with coverage for loss and delay in sports equipment.
“That way, if travelers’ specific equipment for their trip is delayed during the trip, they have coverage to rent similar equipment for adventure travel needs,” says Mueller.
You can combine other coverage, depending on what’s important to you, such as trip cancellation, missed connections, and lost and delayed baggage. Trip Cancellation Insurance reimburses you if you have to cancel your trip for a reason listed in the policy, such as illness or a hurricane.
For example, with the AIG Travel Guard Preferred or Deluxe plans allow you to get full travel insurance and add an upgrade to the Adventure Sports package. You’ll get coverage for trip cancellation and interruption, medical expenses, emergency medical evacuation and repatriation, travel delay, baggage loss, baggage delay and more . The optional adventure sports bundle removes exclusions for adventure and extreme activities.
To add gasoline to your travel insurance plan, add “cancel for any reason” coverage. This add-on allows you to cancel your trip for any reason, not just the reasons listed in the policy. For example, you might have decided that a sand yachting trip was not such a good idea after all. You will usually only get a partial refund (usually 50-75%) of travel costs as part of a cancellation request for any reason, but this gives you more financial cushion to change your trip. ‘notice.
Data compiled by Squaremouth, a travel insurance comparator, shows that these plans cover the widest range of adventure activities (well over 300 each):
- ExactCare Lite, ExactCare Value and LuxuryCare from Berkshire Hathaway Travel Protection
- Travel LX and Travel LX Basic from iTravelInsured
- Tin Leg Adventure, Standard and Luxury Packages
- Travel Basic and Travel Select Travelex
Work with a travel insurance agent who offers a wide variety of plans. They can identify plans that will cover your particular activities, customize a policy with additional coverage like lost baggage, and shop around for options for you.
The last thing you want is to be parked in South Africa with a kloofing injury that you don’t have the right insurance for.
Erica Lamberg is a personal finance and travel writer based in the suburbs of Philadelphia. She is a regular contributor to USA Today and her writing credits include NBC News, US News & World Report, Business Insider, Oprah Magazine, and Creditcards.com.