For many, ATVs (All-Terrain Vehicles) mean freedom and flexibility. It’s a very popular sporting activity in many countries around the world. It is an activity that gives you an adrenaline rush when it goes right—and serious injuries when things slide out of control. Off-roading on an ATV gets you up close and personal with nature. But all these come with the risk of potentially massive injuries.

If you have any plans to go off-roading while on vacation, then ATV (quad bike) off-roading travel insurance becomes crucial, as the sport is considered hazardous. Whether you’re an experienced quad-biker or using an ATV for the first time, travel insurance for ATV (quad bike) off-roading is a must-have.

Travel Insurance for ATV Riding

Injuries caused by ATV (quad bike) off-roading are usually very serious and can require immediate medical assistance. Most standard, baseline travel insurance plans don’t provide coverage for hazardous sports activities like ATV off-roading. You should go the extra mile to be sure you have the necessary coverage. When buying ATV (quad bike) off-roading hazardous sports travel insurance keep these things in mind:

• Make sure that the plan you purchase includes the benefit of emergency medical evacuation.
• Check whether you have coverage for injuries caused by accidents.
• If you have a pre-existing medical condition, check the exceptions list of such conditions provided by the insurance company.

Having travel insurance for hazardous sports activities can be very beneficial when traveling abroad. It provides a financial safeguard against unexpected costs to let you enjoy a stress-free vacation.

Note: This coverage is only available to US residents. 

Introduction to ATV Riding

ATVs are compact, rugged, and powerful machines designed to ply on all terrains. They vary in sizes, engine displacement capacity, and power. Some of these vehicles have an 800 cubic-centimeter engine and can attain a top speed of 60 miles per hour (about 96 kilometers per hour) in just 5 seconds. These beasts are extremely powerful and sometimes uncontrollable if you’re a newbie. This is what makes them dangerous and extremely fun when riding through rocky terrain.

ATV off-roading is a thrilling and dangerous sporting activity that lets you unleash the adventurer in you. People who are bored with their daily routine in life should opt for an amazing ATV ride or go quad-biking. It’s an activity that can be enjoyed by yourself or with friends, family, and even colleagues. Tourists love to rent an ATV and go on a thrilling ride through challenging terrains.

The activity requires a fair amount of concentration and mental focus while operating the quad bike. Just like with every vehicle, building muscle memory to clutch and accelerate the ATV takes time and practice. Although protective equipment is provided along with the ATV while off-roading, you’re still exposed to the risk of serious injuries.

Risks of Riding ATVs

ATV (quad bike) off-roading is a thrilling adventurous activity that you can indulge in while traveling abroad. But there are several risks associated with the sporting activity that make it hazardous. That’s why quad-bike experts advise you to buy travel insurance for ATV off-roading.

ATV off-roading is considered so dangerous that you have to use proper protective gear while you’re riding. This gear include protection for your head, hands, elbows, knees, feet, and back. Apart from that, you need to undergo an extensive demonstration/training to learn to operate the vehicle. At times, an expert accompanies you on the ride to be able to provide immediate help.

ATVs can reach a speed of nearly 60 miles per hour (96 kilometers per hour), and the torque becomes uncontrollable for children and newbies. There is a significant risk of falling and getting injured despite the protective gear. Injuries like fractures, muscle tears, dislocations, bruises, and ligament pulls are very common.

DISCLAIMER: The information within this article is intended as a broad summary of benefits and services and is meant for informational purposes only. The information does not describe all scenarios, coverages or exclusions of any insurance plan. The benefits and services of an insurance plan are subject to change. This is not your policy/certificate of insurance. If there is any discrepancy between the information in this article and the language of your policy/certificate wording, the language of the policy/certificate wording will prevail.