Travelling refreshes both your mind and body. It serves as an escape from hectic schedules. Adventure sports are one of the most exciting aspects of travel. Every traveller plans an itinerary that includes adventure sports. It is indeed exciting, but have you ever considered what happens if you get injured while participating in these extreme sports? Life is unpredictable, and having adventure travel insurance will provide you with financial security.
Let’s delve into why we need insurance for adventure activities and how to buy one.
Travel Insurance for Adventure Sports
Travel insurance acts as a companion for you, protecting you from unforeseen events that may arise during your journey. There are several types of travel insurance available to ensure safer and secure travel. For instance, if you are planning to travel within the home country, then you should opt for domestic travel insurance India, or if you are planning to go on a vacation with a bunch of your friends, then you should opt for group travel insurance.
Regular travel insurance does not include adventure and extreme sports. However, there are some insurers that provide high-risk adventure sports like scuba diving, paragliding, and many more as add-on options or riders. As a result, if you plan to include adventure sports in your trip, you should consult with your insurer at the time of selecting the plan.
Adventure travel insurance covers some of the most common injuries that can happen to you while performing adventure and extreme sports. Let us take a look-
- Sprains and strains from activities like trekking, rock climbing, and skiing.
- Impact injuries from activities such as bouldering, speed climbing, and skydiving.
- Fractures and bone injuries are caused by falling on hard surfaces.
- Soft tissue injuries can occur as a result of mountain climbing, among other activities.
- Environmental damage from adverse weather conditions.
Why Should You Buy Travel Insurance for Adventure Activities?
Adventure activities involve high levels of danger. If you are injured while participating in adventure activities, travel insurance will provide you with financial security. It serves as a safety net, providing you with 24-hour assistance during medical emergencies and emergency evacuation, ensuring access to quality healthcare even in foreign countries. If you need to cancel your trip due to a medical emergency, your insurer will cover the costs for you. Travel insurance is also essential when traveling because it covers situations such as delayed flights, luggage, and lost luggage, which are all common.
Benefits of Adventure Travel Insurance
If you are planning a trip and intend to participate in extreme sports, you should definitely purchase travel insurance that includes adventure and extreme sports coverage.
Some of the benefits of purchasing travel insurance are listed below.
- Medical Coverage: If you fall sick or meet with an accident during your journey then, travel insurance will cover your medical expenses like hospital stays, prescription drugs, consultation fees, etc.
- Coverage for Trip Cancellation: If you cancel your trip due to unforeseen events, then your insurer will reimburse your expenses.
- Coverage for Lost Luggage: If you lose your luggage or the airline loses it during the check-in process, your insurer will cover you.
- Emergency Evacuation: If you become ill and need to be evacuated for medical reasons, your insurer will cover the costs of evacuation.
- Death Coverage: Travel insurance covers your death. For instance, If you die while participating in an adventure activity supervised by professionals, your insurer will provide compensation to your beneficiaries.
- Coverage for Permanent Disability: If you suffer a permanent total disability while participating in extreme sports under supervision, your insurer will cover your medical expenses up to ₹1 lakh.
How to Find Travel Insurance for Adventure and Extreme Sports?
When finding a travel insurance plan, you should be very careful because not every policy provides coverage for adventure activities. These days, you can also purchase travel insurance online, making it more accessible.
Follow these steps when finding travel insurance online:
- Assess your Needs: Consider the destination, duration, and identify all the adventure activities you will be performing.
- Look for Specialisation: Ensure that your insurance plan provides coverage for high-risk activities that you are planning to perform.
- Compare Policies: It is necessary to compare all the travel insurance available in the market to know the exclusions and inclusions of each plan.
- Review the Policy Terms: Before purchasing travel insurance, make sure you understand all of the terms and conditions. This avoids confusion when making claims.
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Wrapping Up
There are different types of travel insurance available in the market, such as single-trip insurance, multi-trip insurance, senior citizen insurance, or group insurance. Nowadays, you can buy travel insurance online from the comfort of your home, making it accessible to everyone. While it’s not necessary to buy travel insurance, it’s recommended because it protects you from unexpected mishaps that may arise during your trip.
If you are someone who loves to travel around the globe and is looking for travel insurance that protects you financially and offers an expanding list of destinations to meet your requirements, then Niva Bupa Travel Insurance is highly recommended. They offer unique and comprehensive travel insurance policies that meet the needs of every traveller. Buy now and begin your secure journey with Niva Bupa Travel Insurance.