How to Insure Your Adventure Travels


The popularity of adventure travels has been growing over the years. Today, adventure travel is a multi-billion industry. People are traveling for hard adventure that includes activities like trekking, caving, and climbing ice, rocks and mountains. These are high-risk activities that require skills. People are also going on adventure trips that include the usual tourism activities.

To ensure your safety when going on an adventurous trip, it’s important to have adequate insurance. Some travel insurance cover adventurous activities like skiing while others don’t. You can also find a policy that covers scuba diving only to a specific depth while others exclude this activity completely. To ensure that you have the right adventure travel insurance, follow these tips.

Read the Plan’s Coverage Description

Before you buy your adventure travel insurance, review the coverage description carefully. Find out more about the activities that the plan covers and what it excludes. This will enable you to determine if the plan is ideal for you or not depending on the adventurous activities that you want to engage in.

Get a Higher Medical Limit

Double check the medical coverage details of the plan that you want to purchase even if it covers the adventure activities that you want to engage in during the trip. There are cases where insurance plans have low medical limits. This means you may not have adequate cover for the injuries you sustain from some adventurous activities. Therefore, check the plan carefully to ensure that it provides evacuation protection and enough medical cover.

Make Sure That You Can Get Medical Evacuation

Inly specialized medevac plans and travel insurance policies provide evacuation coverage. However, medical evacuation coverage is important because the activities you engage in can go awry and necessitate evacuation to receive treatment for the sustained injuries. Medical evacuation is not easy to arrange and it can be very expensive. But, if your insurance provides it, you will have them arrange, coordinate and even pay for safe evacuation.

Get Extra Coverage for Equipment

Perhaps, you intend to travel with sports equipment. This may not be cheap and baggage coverage has per-item limit ranging between $300 and $500. As such, you need extra protection for something like a buoyancy compensator vest when going on a scuba trip with this sports equipment.

Basically, there are many insurance companies that offer travel insurance. However, adventure travels need a little extra protection. Follow these tips to get adequate insurance for your adventure travels.