Who should consider hazardous sports travel insurance? Anyone traveling to a foreign country who plans to participate in any sports activity that is considered hazardous.
Traveling overseas is fun and exciting; you get to visit new places, eat the local cuisine, and participate in different activities—maybe something that you have been eager to try your entire life. You know you should have travel insurance, but did you know that many travel insurance plans do not cover hazardous activities?
If you are planning to participate in extreme sports activities, you need to look at your travel insurance policy before you purchase to check whether the activities you will be involved in are covered or excluded. You don't want to find out too late that it won't cover your injury.
The best thing you can do is research your destination before you go, so you know what activities are available and can decide what you are likely to try; this gives you ample time to choose a travel insurance plan that covers the activities just in case. Travel insurance plans are not the same; typically, most travel insurance plans will not cover hazardous sports activities. Some plans (like Travel Select and Travel LX) do offer coverage for hazardous sports, but they may charge an additional premium for specific high-risk activities.
Even if you have absolutely no plans to partake in hazardous activities, your children traveling on vacation with you may want to and most likely will insist on doing them once they see other people doing it wherever you are visiting.
It is very important to consider a travel insurance plan specifically designed to cover a wide variety of hazardous sports.
International visitors traveling to the U.S for adventure can find insurance coverage suitable for their activity in Visitors to USA. Insurance plans for travelers participating in extreme sports outside of the United States can find the most appropriate plan for their activity in Travel Medical Insurance Outside the U.S.
Many sports activities such as bungee jumping, kayaking, jet skiing, snow skiing, sky diving, rock climbing, scuba diving, et cetera, are covered in the riders of some insurance plans. However, not all plans cover all extreme sports; it is possible that some activities you may want to participate in are not included. Please make sure to look at the certificate wording to be sure.
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