Does Travel Insurance Cover Adventure Activities?

• Written by Mudit Handa

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Are you an absolute adrenaline junkie who is crazy about an action-packed holiday trip? 

If you think a perfect vacation should involve extreme adventure sports, you must also know these sports have a high risk of causing accidents! The slightest carelessness or delay in providing you with the fastest first aid may lead to permanent disability or even death! This is why you need international travel insurance with adventure sports coverage, which can cover adventure sports activities at specific destinations.

This article will guide you through the nitty-gritty of adventure travel insurance.

Is there any Travel Insurance for Adventure Sports?

Usually, travel insurers in India don't cover adventure sports due to the greater risk of physical injuries, including death. Yet, comprehensive travel insurance plans such as Care Explore cover specific thrill activities under specified conditions.

Such plans can prove to be the best travel insurance for adventure sports.

To illustrate the significance of travel insurance with adventure sports coverage, here’s a recent case of a marine accident last year. 

Clash of the Titan: An Ultimate Ocean Catastrophe

The world knows about last year’s Titan expedition, which started on 16 June 2023 from St. John’s, Newfoundland, Canada. Five people were onboard the submersible when it went off the radar.

The US Coast Guard had reported searching at least 10,000 square miles, or 25,900 square kilometres, to find the vessel for four days. 

The OceanGate Expeditions had sent five lion-hearted travellers from various countries in the OceanGate Titan submarine on a voyage into the Atlantic Ocean's depths in April 1912 to survey the historic wreckage of the Titanic ship. On June 18, 2023, the submersible went off the radar and lost communication. For the next four days, it remained missing.

On 25 June, the news reports confirmed that the Titan submersible imploded in the Atlantic Ocean due to enormous water pressure. All five people onboard were killed in the accident.

The recent hazard of the Titan submersible highlights the threats linked to extreme adventure activities. The loss of life can never be repaid. However, travel insurance for adventure sports can still provide coverage for certain non-professional thrill activities controlled under the supervision of an expert team. 

Why Should We Have Travel Insurance with Adventure Sports Coverage?

Having a customised travel insurance plan covering adventure and extreme sports can provide you with certain benefits:

• Firstly, the assurance of having adequate coverage for the activities you enjoy gives you a high level of peace of mind. 
• Besides, adventure sports travel insurance can save you a lot of money and effort by allowing you to avoid buying multiple policies or paying extra premiums for each activity. 
• Furthermore, such a travel insurance plan provides emergency assistance services such as 24/7 emergency helplines, guidance from medical experts, and consular access in a foreign country. The assistance team is always available to help in emergencies or claims. 
• Last but not least, you can customise your travel insurance policy as per your needs and preferences; for instance, you can extend the duration of your trip, add the destinations you visited, or add the activities you wish to perform at the time of policy purchase. The level of coverage may vary accordingly.

Why do I need Travel Insurance for sports coverage?

You definitely require specialised travel insurance for adventure sports coverage since a standard travel insurance policy may not provide you coverage for adventure and extreme sports activities. Even if they provide such coverage, it may be limited and subject to certain conditions.

Conversely, a specialised adventure sports insurance plan will provide comprehensive coverage for various activities.

For instance, some insurance policies may exclude water sports or high-altitude activities or cover these activities against an extra premium. In that case, you’ll pay an additional premium for adding different types of adventure sports.  But suppose you have comprehensive travel insurance with water sports coverage. In that case, you can get the coverage for water sports at the regular premium instead of spending an extra amount to get this coverage separately.

Where to find the best travel insurance for adventure sports?

You may find the best adventure travel insurance policy by comparing the plans of various insurance providers online. But again, you must go on to see comprehensive adventure travel insurance that covers a wide range of adventure sports. You must refer to the policy prospectus to understand what coverage includes and excludes. 

Also Read: Honeymoon Destinations Without Visa

Care Explore Your Ideal Companion to Explore Fun!

When it comes to adventure destination travel, choosing a comprehensive travel insurance policy such as Care Explore will save you a great fortune! It will cover the risks you may face during your trip while indulging in various non-professional sports activities under the supervision of a trained professional, provided that you adhere to the guidelines laid by the instructor, coaches or trainers of such a trained professional guidance support team.

Disclaimer: Plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.