Adventure sports are risky. So, does insurance for travelling abroad cover them? This article answers your question.
Does Indian travel insurance cover adventure sports?
Yes. Travel insurance may cover adventure sports. They cover your medical bills if you get hurt in adventure sports. Some offer it as an add-on, but only some include it. Overseas travel insurance plans typically include this coverage.
Not all travel insurance plans cover adventure sports. If they do, they charge a higher rate depending on your adventure activities.
Basic travel insurance may cover safe sports like hiking, horseback riding, fishing, etc. You’ll need adventure sports travel insurance if you’re going paragliding, diving, surfing, skiing, river rafting, snowboarding, etc. Insurance for travel abroad may cover these adventure sports:
- Mountaineering
- Mountain biking
- Skiing, Snowboarding
- River rafting
- Ziplining
- Paragliding
- Snorkelling/Scuba Diving
- Jet skiing
- Skydiving
- Rock climbing
- Bungee Jumping
Why buy adventure sports travel insurance?
Risky adventure sports are thrilling. But even a minor mistake can lead to severe injuries or unfortunate passing away. Most Indian online travel insurance plans do not cover such activities due to the high risk of injury or unfortunate end of the person. Thus, you must pay for your treatment abroad, resulting in significant financial losses.
Some Indian travel insurance companies offer adventure sports insurance plans or add-on coverage. Your family is covered against financial liability from adventure sports during your trip. You can enjoy thrilling activities without worry.
Adventure sports travel insurance claims
A travel insurance plan with adventure sports coverage requires proof of others’ fault. In three prominent cases, you can claim from your insurer. Look at how adventure sports accidents can be blamed on others. Your student travel insurance may not cover it.
Equipment failure
Adventure sports organisers must use safety gear. You can sue if injured by faulty, old, or defective equipment.
Poor training
Adventure sports require proper training. Adventure instructors must follow all procedures and train to protect participants. However, this policy covers injuries caused by instructor ignorance or inadequate training.
Safety ignorance
Most adventure activities have weight, height, or age limits for safety. Organisers must follow safety rules. You can file an insurance claim if the organiser ignores safety measures.
Buying adventure sports travel insurance
Adventure sports insurance protects you from extreme sports mishaps. Your student travel insurance won’t cover this kind of activity. Before buying an adventure sports add-on, consider these tips:
Coverage for your adventure sport:
Read the policy carefully and only buy it if it covers your activities.
Ensure emergency medical evacuation coverage:
Make sure your travel insurance covers adventure sports injury emergency medical evacuation.
Coverage for return of mortal remains:
If a traveller passes away while doing adventure sports, the transportation costs for the mortal remains can be high. Therefore, purchase a travel policy that covers the return of mortal remains to your country.
You now know how to protect yourself financially while travelling and doing adventure sports. Before going on an adventure, ensure your travel insurance covers adventure sports through a travel insurance app.
Get insured anytime, anywhere! Check out Bajaj Allianz General Insurance website to learn more and download the app now.
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.
