What Activities are Covered in Travel insurance

If you have been following my blog, you know that travel insurance is one of my favourite topics. I have covered an array of articles on the best travel insurance, since I completely understand how important it is to keep yourself protected against unexpected medical costs while travelling internationally, as well as protected against travel risks like lost or stolen luggage, cancellation of the trip after having paid for all the bookings and more.

Travelling has Changed

The way people travel has completely changed in recent years. A new trend, called adventure tourism, is growing across the globe. Activities such as mountain climbing, caving, hiking and skydiving are finding their place on the itinerary of numerous travellers. According to a report published by Sandler Research, the global adventure tourism market is forecasted to grow at a CAGR of 45.99% during 2016-2020.

Even if it doesn’t involve an over-the-edge, thrilling and dangerous activity, travelling has not only become a getaway from one’s mundane lifestyle but has also emerged as an ultimate way to unwind and rejuvenate yourself to get back to life with a BANG!

Unfortunately, even when travel involves thrill seeking activities, travel insurance is something many don’t consider, possibly because we all tend to think that those freak accidents happen to other people, not us, right?

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Are Adventure Sports Covered by Travel Insurance?

You should know that travel insurance doesn’t cover for injuries from certain adventure sports, such as paragliding, mountain climbing, bungee jumping and white water rafting.

You’ll need to buy adventure insurance for this purpose, if an adventure trip is on the cards. However, given the risk involved in such a trip, the cost of these policies are usually high.

The activities that are usually covered under adventure travel insurance are:

  • Basketball
  • Soccer
  • Tennis
  • Rowing
  • Cycling
  • Kayaking
  • Golfing
  • Ice-skating
  • Swimming
  • Windsurfing
  • Trekking
  • Surfing
  • Fishing
  • Horse riding

Other Important Questions

Are theme park visits covered by such insurance?

Families visiting a country, particularly for leisure, are more than likely to visit famous theme parks in that courtiers for a unique experience. Unfortunately, a lot of accidents tend to occur in amusement parks across the world, which makes it more than necessary to invest in travel insurance. You should know that travel insurance pays for any prepaid, non-refundable expenses. Since payments like event tickets and tickets to theme parks are paid for in advance in most cases, these costs are compensated for too, if required.

Is regular flu covered by travel insurance?

Regular flu isn’t usually covered if occurs in a foreign land. However, when you’re seriously ill with a cold or flu, such that you can’t travel and need to cancel your trip, you can get trip cancellation and interruption insurance benefits.

Which diseases are not covered by travel insurance?

Usually any pre-existing disease is not covered by travel insurance. However, there are many insurance companies that provide coverage of a pre-existing medical condition, provided your condition is “stable.”

Moreover, travel insurance will not offer coverage for emergencies due to emotional and mental illnesses.

Disclaimer: I’m not a legal advisor, insurance agent or attorney. Please check the details with your insurance company and use this information for research purposes only.

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Mani Karthik

About the Author

Mani Karthik

Ex “NRI” and Founder of the “Back to India” movement. I share my experience about immigrating to USA here.

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