Travel Insurance Pro Flags Common Holiday Activities Often Left Uncovered in Standard Plans
Vacations are frequently viewed as opportunities to test drive new activities or partake in a beloved hobby within a stimulating new setting.
Scuba diving, camping, and trekking are commonly enjoyed activities that travelers often readily participate in during their trips.
However, travel insurers caution that numerous popular adventure activities aren’t covered under typical insurance policies, which can leave travelers exposed to both safety and monetary risks.
This is what an expert highlights as the sports leading to the highest number of claims along with the most intense pursuits covered under these insurance policies.
Visitors could face significant medical expenses if they engage in activities without coverage.
Terra Baykal, travel insurer World Nomad's senior marketing manager, says standard insurance policies may have exclusions for sports or activities, no matter how low-risk travellers may perceive them to be.
There might be exceptions when it comes to activities such as hiking or camping at elevations higher than specific limits due to the associated risks," she explains. "Similar exclusions apply to sports like scuba diving or freediving beneath particular depths.
If you participate in activities you are not insured for, potential problems that could arise primarily include medical accidents, such as injuries.
"When such events occur, travelers face the possibility of ending up with substantial hospital bills to settle, without any coverage to assist them in dealing with the consequences," Baykal points out.
“This also goes for lack of emergency evacuation coverage . If the traveller’s injury or incident is severe enough to require evacuation services, out-of-pocket costs tend to be very high and could be financially devastating (on top of the already physical devastation from the incident itself).”
What should you do if the activity you're interested in isn’t listed in your policy?
It’s common when you’re overseas to suddenly want to join in an activity that isn’t included in your insurance coverage.
For this situation, travelers ought to verify whether they can purchase new items. insurance or modify their plan while they are away.
World Nomads enables travelers to buy a policy even when they're already at their destination; however, coverage doesn’t start right away.
"It’s crucial to remember, though, that waiting periods may come into play, hence travelers ought to keep this in mind and plan their trips accordingly," states Baykal.
For individuals looking for a one-way trip travel insurance through World Nomads, coverage begins at 12:01 am the following day once the policy purchase is completed and the payment is received.
The waiting times can differ across various insurers and their specific policies.
What activities lead to the highest number of travel insurance claims?
In general, if you have any doubts about participating in a sport or activity when abroad, even if it is very common, you should double-check your policy.
In some destinations, risky pursuits are unavoidable or a key part of the travel experience.
For example, motorbiking One activity that leads to the highest number of insurance claims, as reported by World Nomads, serves as the primary means of transport in locations such as Thailand and Indonesia.
An activity that leads to numerous insurance claims is hiking at high elevations, which often causes altitude sickness," explains Baykal. "Such incidents commonly happen in places like Peru and Nepal.
Which are the most adventurous pursuits included in travel insurance coverage?
If you're thinking about tackling some seriously extreme sports, make sure to get yourself an all-encompassing insurance policy.
In World Nomads' Ultimate Plan, travelers receive coverage for glacier hiking and ice climbing, both reaching up to 8,000 meters.
With both the Epic Plan and Explorer Plan, adventurers have the opportunity to experience cave diving up to 50 meters, free diving down to 60 meters, bull riding, hang gliding, skydiving, and cliff diving.
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