What is Adventure Sports Insurance? Inclusions and Exclusions

Whether you are looking for an exhilarating escape from the mundane lifestyle or you find your “soul food” while embarking on a trek to explore new landscapes and cultures, adventure sports insurance is a must for you.

This is an add-on that offers extended coverage when combined with your standard travel insurance plan. It helps when you experience sudden injuries that might disrupt both your trip plans and your finances while participating in extreme activities.

Read to know more about adventure sports insurance, its benefits, inclusions and exclusions.

What is Adventure Sports Insurance?

An adventure sports insurance is an add-on cover under travel insurance that provides a lump sum amount to the policyholders in case they get injured while taking part in adventure sports that might lead to permanent disability or death.

The sports included in this type of cover are skiing, parasailing, trekking, hiking, bungee jumping and many other similar types of adventure sports.

What are the Benefits of Adventure Sports Insurance?

1. Provides financial coverage for medical expenses incurred while participating in adventure sports.
2. Reimburses for prepaid bookings that a policyholder might not be able to participate in because of their injuries.
3. Covers up to a certain percentage of damage to your belongings, theft or loss.
4. Offers peace of mind so you can enjoy all your trip-related activities without worrying about unexpected expenses.

Are Adventure Sports Activities Covered Under a Travel Insurance Plan?

People often think of travel insurance as protection against trip delays, medical emergencies, or lost luggage. But what about adventure sports? What you do and what kind of coverage you choose will determine the answer.

Here is how it works:

1. Most standard travel insurance plans cover low-risk recreational activities like horseback riding, rafting, and other leisure sports. Most of the time, basic medical coverage will cover injuries from these.
2. Extreme sports like trekking, scuba diving, skiing, bungee jumping, and mountaineering are more dangerous and require special skills. Most of the time, these activities are not part of regular plans.
3. For instance, if you are planning challenging expeditions, such as trekking Mount Kilimanjaro, one of the world’s toughest climbs, you need insurance for trekking and hiking trips.

Why an adventure sports add-on is important:

1. Covers accidental injuries during high-risk activities.
2. Offers financial support for emergency treatment or evacuation.
3. Helps you focus on the experience, not unexpected expenses.

With Bajaj General Insurance, you can get an adventure sports add-on specifically designed for these types of trips. It is a smart way to make your travel insurance stronger, so you can be sure that your exciting plans are covered before you jump, dive, or climb.

Also Read: Experience World-Class Adventure with Sky Diving in Dubai

Coverage of Adventure Sports Insurance

Accidental Medical Expenses

A travel adventure insurance add-on protects from unexpected medical bills while travelling abroad. This could be triggered by fractures, ligament tears, and altitude-related issues. Going beyond the standard medical cover, this cover gives targeted support that matches the demands of extreme sports.

Emergency Evacuation and Rescue

When an inexperienced individual participates in mountain adventure activities such as trekking, hiking and water sports activities such as underwater diving, scuba diving, and snorkelling, they often require rapid rescue. Emergency rescue in helivac flights is expensive, costing in lakhs abroad. Having adventure sports insurance cover pays for emergency evacuation and rescue support, reducing the risk to lives during treks, remote expeditions and dives. 

Hospitalisation Benefits

With adventure activity coverage, you get financial support for inpatient care, tests and medicines. Furthermore, it includes ICU care whenever a doctor recommends. This particular benefit helps in protecting your savings.

Repatriation Support

There are many countries that demand documented arrangements for repatriation. If you are choosing an adventure sports insurance add-on cover from a reliable insurance company, such as Bajaj General Insurance, you get this support without facing any logistical burdens.

Trip Curtailment Due to Injury

While taking part in trekking, hiking or any other extreme sports while travelling, sudden injuries can interrupt your plans that you might have arranged beforehand. You may need to return home after the accident. The trip curtailment cover will reimburse up to a certain percentage for your prepaid bookings.

Support for Adventure Equipment Loss or Damage

Most sports equipment costs remain high. Adventure plans often cover loss or damage to rented or personal equipment. Climbers, divers, and skiers find this support valuable.

Also Read: Tips to Compare Travel Insurance Plans Online

What Is Excluded from the Adventure Sports Insurance Plan?

1. Insurers avoid activities that lack certified instructors.

2. Insurers exclude stunt events or unlisted extreme sports.

3. Intoxication increases risk, so any accidents that occur under the influence of alcohol or other such materials are excluded from the cover.

4. Claims linked to pre-existing health conditions are excluded unless the plan specifically covers them. Travellers need to disclose such conditions honestly.

5. Reckless actions or voluntary risk-taking fall outside cover.

6. Improper or unsafe gear increases accident probability. Adventure activity insurance excludes such cases.

7. Plans usually cover recreational adventure sports, excluding professional competitions.

7 Tips to Choose the Right Adventure Sports Travel Insurance Plan

Travellers must pick an extreme sports insurance add-on cover if it aligns with their travel itinerary. Here are some tips to follow to choose the right adventure sports add-on:

Check the List of Covered Activities

Pick a plan that covers your exact sport. Trekkers need altitude-specific cover. Divers need depth limits. Skiers need winter sports cover.

Check Medical Limits

Adventure sports demand higher limits. Choose a sum insured that matches international hospital costs.

Look for Evacuation Support

Helicopter rescue charges vary by country. Pick a plan that covers evacuation fully.

Review Exclusions Carefully

All insurers have a list of excluded sports and conditions. To avoid surprises, go through all the policy wording after purchase.

Pick a Trusted Insurer

Choose insurers that have global assistance partners such as Bajaj General Insurance. We are partners with global emergency networks, allowing travellers to access support anytime.

Match the Plan With the Destination

Trekking or hiking activities in mountain regions need specific altitude cover; similarly, water destinations need diving and water sports cover. Talk to your insurer before purchasing specific coverage.

Add Trip Cover Benefits

Trip interruption or cancellation due to accidental injuries can cause big losses. Add an adventure sports insurance add-on to cover such risks.

Final Thoughts

If you are an adrenaline junkie constantly on the lookout for new adventures, then adventure sports insurance is a must. This is because although adventure sports can be a lot of fun, they can also be dangerous. Therefore, it is important to ensure that you are well-prepared.  Not only will it keep you financially worry-free while you face an accident, but it will also compensate for trip interruptions caused by an unforeseen circumstance.  By reading the fine print and comparing different plans, you can find a policy that will protect you.

Looking for a comprehensive adventure sports insurance plan? Choose Bajaj General Insurance’s adventure activity insurance add-on cover. It is affordable, offers wide coverage and remarkable benefits!

FAQs

What adventure sports are covered under the adventure sports insurance policy?

The adventure sports insurance covers different water sports such as scuba diving, parasailing, jet skiing, snorkelling and so on. It also covers mountain sports such as hiking, trekking, paragliding, rock climbing, etc.

Does all travel insurance cover adventure sports?

No, all travel insurance does not cover adventure sports. To avail such cover, it is crucial to purchase an add-on cover designed specifically for adventure sports with an additional premium.

Who benefits the most from adventure sports insurance?

Travellers with plans to engage in adventure sports such as hiking, trekking, scuba diving, parasailing, etc, benefit the most from the adventure sports insurance coverage.

What are the advantages of adventure sports insurance?

An adventure sports insurance add-on offers financial coverage for medical expenses, emergency evacuation, damage, theft or loss of property while participating in various adventurous activities.

Can I get affordable travel insurance that includes coverage for adventure sports?

Yes, purchasing adventure sports insurance add-on cover from Bajaj General Insurance is a robust and affordable option. It ensures both financial security and stress-free thrill.

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