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| Be on the Move, Experience the World: Adventure Travel Insurance |
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Are you keen on bungee jumping, scuba-diving or windsurfing? If yes, you are one of those who like to swim with the sharks, fly with birds, and be on the move restlessly instead of enjoying the peaceful sunny beach. These all sound exciting, but what if you accidentally get hurted or something goes wrong during these wondeful adventures?
Adventure holidays are usually very expensive. They are dangerous but this is why people choose them: for the sake of adventure, and new experiences, to escape from daily routines and to prove we can be able to do something beyond our human limits. Such a vacation needs careful planning, expensive equipment, and a proper travelling insurance. |
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These unusual needs, different from those of a typical, everyday traveller, and to obtain the perfect insurance policy for your adventure means a little time spent in front of your computer. The Internet offers a wide range of possibilities. Through consulting the specialized websites, you can choose, compare, register online and benefit from the best deals. In order to get a quote, check out the websites of agencies; they provide easy, comprehensive and user friendly online forms to fill in, which usually contain the following categories:
- Information regarding the type of your holiday, if it is individual, family or a group travel. If there are children in the group you have to specify their exact age.
- The destination of the trip and the exact dates
- Regarding your needs, you have to clarify if you opt for a single trip insurance or an annual insurance, which is frequently combined with the multi-trip policy. The annual multi-trip policy is highly recommended if you set out on more than one trip in a year.
- You have to indicate which activities and sports should be included in your policy. This means a simple selection from a list of hundreds of sports and activities, from water activities up to winter sports. However, some of these for example kite surfing, motor boating, windsurfing etc. do not cover personal liability and/or offshore rescue. |
Agencies usually indicate very clearly that the insurance given for types of activities have special conditions: for some sports a properly qualified guide's or trainer's supervision is a must, there can also be a difference regarding policies given to experienced, or unexperienced persons, while in other cases they point out some physical limits: mountain climbing should not exceed certain thousand meters, and difference is established between climbing with or without tools. The same applies to safari (on foot, or by car) while in the case of scuba-diving the maximum depth covered usually does not exceed 50 meters.
In the case of winter sports the insurance companies differ in their policy offers. Off piste skiing and snowboarding have many risks, and once injured you can wake up with very expensive medical bills, not to speak about the costs of piste rescue. Many policies cover such problems, but are conditional on you being with a guide al the time. Others may not cover such things as personal liability or sport tools in transit.
Winter sport travel insurance can appear as a supplementary part of average travel insurances, however there are also some companies specialized only in this type of insurance. It is also imperative to find out if the insurance policy covers the sports equipment. Some contracts cover the damages or thefts of tools only if these are your own personal property, while in other - more suitable - cases, the damage, loss or theft of hired tools is also covered.
Here are the most essential elements your adventure travel insurance must contain:
- Full coverage, regarding all sports and activities selected.
- Cancellation policy, which includes interruption as well as delays (due to many reasons: illness, death, sudden bad weather, breakdown of traveling vehicle)
- Non-stop assistance (which usually provides up to date information like weather conditions, spotting trails and locations, GPS service etc.)
- Emergency services like medical and rescue expenses. These cover all injuries, possible helicopter evacuation, and hospital treatment.
- Damage, loss and/or theft of luggage. The value of the article is often defined by the company, so it is better not to carry very costly goods. In case of your luggage delays, a certain amount of cash is provided for essential necessities, as well as for equipment loan.
- Free coverage in case of children (the age limit varies from company to company)
- Personal liability is extremely important, in case you cause damage or injury to others.
To avoid misadventures consider all the tips enumerated above, and choose the best coverage before trying a risky sport or a dangerous outdoor activity. Check out which sports and activities are excluded from the list of the insurer. If the sport chosen by you is not included, you can buy an additional coverage to your existing contract. All in all, it is very important not to set out in adventure holidays without being insured.
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