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Are Extreme Sports Activities Covered In Travel Insurance

Travel insurance for extreme activities ensures you're covered while participating in sports like snowboarding or skydiving. Get the right plan before heading on your adventure.

  • 22 Oct 2024
  • 3 min read
  • 30 views

A travel insurance policy offers comprehensive coverage to policyholders and ensures peace of mind during both business and leisure trips. From trip cancellations and baggage loss to emergency medical expenses and personal liabilities, a travel insurance policy covers a wide range of potential issues. However, if you are looking for a travel plan that also covers extreme sports or activities, you may have to opt for an adventure sports or extreme sports travel insurance policy. Let's explore this topic in detail.

Is travel insurance available for extreme activities/sports?

Extreme sports, like skydiving, bungee jumping, mountain climbing, river rafting, and paragliding, are high-risk activities, and covering them can increase the liabilities of insurance companies. As a result, standard travel insurance policies may not cover these adventure activities. This is where extreme/adventure sports travel insurance comes into the picture. Several insurance companies in India offer specialised travel insurance plans and add-on covers for adventure sports. Therefore, if you plan to engage in adrenaline-pumping sports in your upcoming trip, purchasing travel insurance for extreme activities can help secure your health and finances.

The following are some points to keep in mind -

  1. Coverage:

    The coverage of extreme sports travel insurance can vary from one policy to another. Therefore, when buying this travel plan, remember to check policy inclusions and exclusions minutely to make sure that it covers the adventure sports you plan to participate in.
  1. Add-on covers:

    Some insurance providers offer add-on covers for extreme sports or activities. If it is not available as an in-built cover, you can check with the insurer and take it as an add-on.
  1. Policy premiums:

    Extreme sports are high-risk activities, so insurance companies cover them for higher premiums. The premiums may vary depending on the plan you choose and the activities it covers.
  1. Coverage limits:

    Travel insurance policies covering extreme sports and activities may have a maximum coverage limit for hospital bills or medical evacuation during emergencies. Therefore, remember to check these limits when you're buying this travel plan.
  1. Understand the claim process:

    Familiarise yourself with the claim filing process and the documents you must submit with your claim. It is also wise to check the claim settlement ratio of insurance providers and choose one with a high CSR.

Conclusion

To sum up, if you are planning a trip filled with adventure sports and activities, it is wise to purchase travel insurance, including extreme sports, to ensure peace of mind and financial security. If you meet with an accident and require medical assistance, your insurer will come to your rescue. However, it is essential to compare a few policies and choose one that best suits your travel needs.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

 

 

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