MOST TRAVEL INSURANCE PLANS DO NOT COVER EXTREME SPORTS LEAVING YOU UNPROTECTED!

Most of us enjoy doing sports and the most effective time to try out something new and exciting or spend time enjoying a favourite sport is during vacation! Travel providers attract with exciting promises: Bungee jumping, mountain climbing, scuba diving, sky diving, perfect alpine ski slopes - that is tons of fun! And potentially a way to obtain future problems. In a lot of those cases you are not protected throughout your insurance at all! Let's dig deeper today into extreme sport insurance!

1. UNDERSTAND HOW RISKY YOUR FAVOURITE SPORT IS

The range of sports people take part in today is vast: from chess to base jumping is considered "sports ".For most insurers, sports fall under four general risk levels (s. list below). Already, sports from Level 2 are often considered as extreme sports. So if you should be a passionate skier in Colorado, British Columbia or the Swiss Alps, a novice rock climber, or adrenalin junkie enjoying skydiving at least monthly - you should look at looking deeper into extreme sport protection.

Insurance classification of sport risks: 

    • Level 1 - Low risk sports: Aerobics, skating, volleyball, water polo, football, cricket, golf, baseball, basketball, tennis, badminton, archery

 

    • Level 2 - Sports involving more mobility and therefore more risks: Adventure racing, paintball, alpine skiing, canoeing, swimming, rugby, scuba diving, gymnastics, kayaking

 

    • Level 3 - Sports with aspects of violence and action: Wrestling, boxing, hockey, fighting styles, motor sports, bungee jumping, mountain climbing, horseback riding, mountain biking, mountaineering, water rafting, water skiing

 

  • Level 4 - Most risky sports: Hang gliding, parachuting, paramotoring, skydiving

 

2. READ THE FINE PRINT 8 TIMES IF YOU RELY ON STANDARD TRAVEL INSURANCE

Sports-related injuries during vacations could be sometimes covered under Travel Medical insurance coverage but more frequently they're not. So if you want to rely solely on your own existing policy, make certain that you read carefully all of the conditions or consult the insurance hotline. Often insurance companies offer additional protection for accidents related to extreme sports. Remember consequences of sport injuries can add up to dozens of thousands dollars when you are treated abroad.

3. BE CLEAR ON HOW "PROFESSIONAL" IS YOUR SPORT ENGAGEMENT

There's also different ways you can take part in sports. And though your insurance could be still covering leisure skiing in Mont-Tremblant, Quebec, it'll more than likely not pay for any medical expenses related to injuries from Thai boxing fights in Thailand or professional mountain climbing competitions in the Rockies. Here the fundamental rule should be: should you anything, not for leisure only, but it has any hint of professional activity / competition, get another extreme sport protection.

4. ARE YOU AN "EXCLUSION" CASE? BE CAREFUL!

Even although you think you will be fine after getting an extreme sport insurance, have a more in depth look at conditions - typical exclusions in extreme sports insurance policies are: Those above a particular age are NOT covered (age limit varies) Pre-existing medical conditions Injury caused by drug abuse during sporting activity Performing sports in unauthorized areas for particular activity Think about that while enjoying your extreme sport - ski race competition outside of the authorized slope might end up in unpaid bills rejected by your insurer...

5. DEDICATED EXTREME SPORT INSURANCE EXISTS!

There is proper protection for all extreme sport enthusiasts available! Often you will get an additional bit of protection, so-called rider on your own policy that covers your "dangerous" hobby sports. Such insurance could cost you significantly less than $100 for per month but save plenty of headaches in future. Anyway, the goal of this article is never to force you to remain at home but make clear to you what protection you might need to enjoy your favourite sports while covering your entire bases!

 

Published by Whitney Morgan