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What Does Adventure Sports Insurance Cover?

What Does Adventure Sports Insurance Cover?

Anyone who loves the outdoors has probably enjoyed their fair share of adventurous activities. Experienced adventurers may not think twice about another hike, mountain biking excursion, or scuba diving adventure, but these exciting treks do have their risks.

Whether you’re trying an adventurous activity for the first time or are an advanced adventurer, always take certain precautions when hitting the great outdoors. And if your calling for adventure takes you overseas, always make sure you’re covered with a good travel insurance policy that covers hazardous activities.

People all over the world travel internationally to participate in these high-intensity activities, and many of them don't have coverage, leaving themselves vulnerable to medical debt. If you're visiting a new country and want to engage in a hazardous sport, your travel insurance might not cover you for injuries and accidents related to the activity. Because of the inherent risks of activities like scuba diving, bungee-jumping, mountain-climbing, these and other activities like them might be listed as exclusions in your plan details. If you're looking for insurance for more dangerous sports, be sure to read the policy documents carefully to make sure the sport you really want to try is covered. If it isn't covered, you'll want to buy additional adventure sports insurance.

Buying adventure sports insurance protects you financially if you're injured while engaging in these riskier activities. With adventure sports coverage, you can participate in these activities with peace of mind knowing that you're covered for medical attention.

Common Adventure Sports Activities:

If you're planning to participate in any of the adventure sports listed above while traveling, it's important to consider purchasing a policy that covers those activities.

Who Benefits the Most from Adventure Sports Insurance?

To determine if you need adventure sports coverage, you should take a look at your lifestyle and your travel plans. If you spend a lot of time outdoors and are always looking for adventure, you'll want sports insurance. This is especially true if you're traveling abroad.

But if you're looking to kick back and relax, and aren't into the adrenaline-rush of intense sporting activities, standard travel and trip insurance should be enough protection.

What are the Benefits of Adventure Sports Insurance?

If you're interested in adventure sports while traveling, some features you should look for in a policy include:

  • Coverage for your specific adventure sport

Even when plans offer adventure/hazardous sports insurance, not all activities are covered in these policies. Make sure to carefully scan the policy document and be absolutely certain that the activities you are interested in are covered in the policy.

  • Emergency medical evacuation coverage

If injury occurs, it's important to reach the nearest medical facility as quickly as possible. Sometimes, if the traveler is stranded in a remote location and can't be reached by traditional transportation methods, an expensive emergency evacuation may be required, so make sure your policy covers it.

  • Repatriation/Return of Mortal Remains

If you're seriously injured and need to be returned to your home country for medical care, arranging transportation back home can be complicated and costly. In addition, in the unfortunate case of death while participating in adventure sports, the cost of transporting remains back to the home country can also be quite high. Therefore, it's important to consider a policy that would cover for repatriation and return of mortal remains in case of a death.

  • Accidental Death & Dismemberment

If you plan to participate in adventure sports, consider all the risks. Unfortunately, accidental death and dismemberment can happen so it's important to have the best adventure sports insurance available.

Diplomat America

Comprehensive Coverage Plan A (Excellent)
C&F Cayman SPC for and on behalf of ITI SP

Travel medical insurance for non-U.S residents traveling to the United States.

WorldMed Inbound

Comprehensive Coverage Plan A (Excellent)
Lloyd's of London

If you’re looking for coverage for a higher-risk sport be sure to read the policy documents carefully to make sure the sport you really want to try is covered. If it isn’t covered, you’ll want to buy additional adventure sports coverage. With adventure sports coverage, you can participate in these activities with peace of mind knowing that you’re covered for medical attention.