Yes. Some travel insurance policies cover adventure sports activities. They cover any medical costs you might have if you get hurt while participating in adventure sports while on your trip. While only a tiny percentage of them do so, some might do so as an add-on cover. These types of coverage are also frequently included in international travel insurance plans. Claims are subject to terms and conditions set forth under the travel insurance policy.
Although fundamental travel insurance policies include risk-free activities like horseback riding, fishing, etc., however, you must purchase an adventure sports Bajaj Allianz travel insurance policy if you intend to engage in risky activities like paragliding, diving, surfing, skiing, river rafting, snowboarding, etc. The following list of adventure sports is a sample of what might be covered by an international travel insurance policy *:
- Mount Bike riding
- Snowboarding and skiing
- River rafting
- Scuba diving and snorkeling
- Water skiing
- Sky Diving
- Rock Climbing
- Bungy Jumping
What Justifies Purchasing Adventure Sports Travel Insurance?
Adventure sports can make you feel ecstatic and are dangerous. But if something goes wrong even slightly while playing the sport, it could cause life-threatening injuries or even passing away. However, most conventional travel insurance plans in India do not cover such programs due to the high risk of accidents and fatalities. As a result, you will be forced to incur significant financial losses by covering all of your tour treatment costs abroad.
However, some travel insurance providers in India have developed adventure sports travel insurance packages or particular add-on covers that offer coverage for adventure sports activities and many other benefits of travel insurance. In either scenario, you or your family are protected from any monetary liability for engaging in adventure sports while on vacation. Claims are subject to terms and conditions set forth under the travel insurance policy.*
Adventure Sports Travel Insurance Claims
It is necessary to establish another party’s fault to successfully submit a claim under a travel insurance policy with adventure sports coverage. You can submit a claim to your insurer in one of three main situations. Look at the situations where someone else’s negligence can be established in the event of an adventure sports accident:
- Defective Equipment
The adventure sports organiser must use safety equipment. They should accommodate your particular requirements throughout the activity. You may file a claim against the defective, outdated, or faulty equipment in the event of an injury. As a general rule, you must check the tools given to you before using them.
- Insufficient Training
Before engaging in adventure sports, proper preparation is imperative. To provide the participants with the ideal protection possible, the adventure activity instructors must adhere to all applicable regulations and undergo extensive training. However, you may file a claim under this policy if you are hurt due to the instructor’s ignorance or insufficient training.
- A Disregard For Safety Precautions
Most adventure activities have set safety rules, such as maximum weight, minimum height, or age restrictions. The organisers must follow all safety guidelines or regulations. You can file a claim with your insurance company in case of an accident caused by the organiser’s disregard for safety precautions.
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*Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.