Adventure Travel Insurance

Submitted by frndzzz on Sat, 06/26/2021 - 20:17

What is the need of Adventure Travel Insurance?

There are many varieties of travelling, as well as there are many types of destinations. While some people choose to go to a relaxing beach, others prefer climbing dangerous mountains or swimming in thrilling waters. For those who travel a lot and make adventure travels primarily, and/or like adventure sports, a special insurance is strongly recommended. For safety reasons, thrill-seekers are advised to purchase the so-called Adventure Travel Coverage with which they are safe from the financial point of view.

Why is it important to have an appropriate insurance cover when travelling?

Travel insurance-specialists say that many irresponsible travellers without insurance happen to have serious accidents which are too costly for them due to the medical treatment bills. Therefore such people enter into a painful financial pitfall.

Or it is not necessary to go so far: it may happen that one loses his/her personal belongings and thus cannot continue the deserved holiday. In order to forestall such troublesome or inconvenient situations, purchasing Adventure Travel Insurance is essential. This insurance product provides one with the piece of mind of being sure one is covered for all types of activities one fancies to do.

What do such insurance products provide protection for?

These policies ensure coverage for a wide range of adventure (but not only) activities. But this is only the standard package. There are more additional options that may be chosen to be covered for extra money. Which are the automatically covered activities whose coverage is attached for free of charge to the adventure travel insurance? One is covered for badminton, baseball, basketball, cricket, tennis, golf, water polo, bungee jumping, canoeing, cycling, jogging, marathon, parascending, scuba-diving, swimming, water-skiing, windsurfing, yachting and many others. For these activities adventure travel insurances provide a free coverage.

What should one know about eligibility and about the application procedure?

In order to get such an insurance, one needs to specify the residence, the policy-type (which may be single-trip or annual multi-trip), the destination , the trip-dates, as well as the group-type (individual, couple, family, or group). Finally, one may ask for additional packs, for instance for winter sports-cover, for water-action pack, or for other specific activities-pack.

What should be known about the adventure travel insurance typology?

As we have already mentioned, there are single or annual multi-trip travel insurances. The former is useful for those who make a single trip only throughout the year. This trip can range from 3 days to 183 days. What is important here is that business-trips coverage is included as well, and that children under 18 may go for free. Some other characteristics are the possibility of baggage-declaration for saving reasons as well as the excess waiver possibility. The price of such coverage is considerably low, and the application-procedure is quite simple. Moreover, most of the times the insurance company provides insured people with 24/7 customer support and emergency-assistance service.

But what should those people choose whom one trip is not enough yearly?

For those travelling twice or more in a year, an annual cover is definitely a better choice. This product is very flexible, and it provides coverage for every trip, helping the traveller to make considerable savings. Moreover, if one chooses the right product and the right company, he/she can find insurance with no restriction regarding the maximum trip-number one is allowed to make or one is covered for.

For saving purposes, annual cover has the options of baggage-declaration and the excess waiver opportunity, as well as children who are under 18 can go free with this adventure travel insurance-type as well. Finally, for those who make “active trips”, it is very useful to know that the coverage of many activities and sports are included in the price. Also, one can include a 17 days long winter sports-cover each year, also for free of charge.

All in all, for those who would like to make an adventurous journey with the piece of mind of being safe, and want to have coverage for medical emergencies, legal costs, personal belongings, travel delays, and personal liability, purchasing Adventure Travel Insurance is a must!