Did you know that your next vacation may require extreme sports insurance? These days, people tend to go on vacation every time they get a three-day weekend. If you can afford it, visiting someplace tropical is ideal for most Americans. However, regardless of whether you go to a wintry mountain peak for skiing and snowboarding or to a Caribbean beach, chances are you could use some extra insurance coverage depending on what activities you choose.
Although it seems unbelievable that someone outside of extreme sports athletes would need it, this is actually a growing trend in today’s travel market. To get a better understanding of whether you need extreme sports insurance and what type you should get, a few tips are listed below.
A warning from adventuresome travelers
Forums are a great place to find out who is actually using a newer service that you are researching. Without a multitude of reviews, it is nice to get an informal guide to the most frequently referenced high-risk vacation activities and the extreme sports insurance companies that give you coverage. While it is intuitively understood that jumping out of an airplane with a parachute might be dangerous, you might not be thinking about swimming as an extreme sport until your insurance tells you they are not going to cover your shark bite.
Interestingly, forum users have lots of warnings. Mainly, their advice is to check your health insurance coverage and get extreme sports insurance for your vacation even if you think you do not need it. After all, what if you do not discover they have bungee diving in a canyon until you get there?
In the current market, we have something called extreme sports and this helps us define certain types of activities. Nevertheless, there has always been high-risk behavior and insurance companies willing to cover it. For example, Lloyd’s of London is a type of insurance company in England that is extremely well-known for covering anything and everything. Following Lloyd’s of London’s lead, travelers health insurance companies started to weed out at high risk activities and put them in a separate policy.
Today, when you take out traveler’s health insurance, they will ask you what you plan to do while traveling. If they have an idea of what you will be doing on vacation, they will offer you the extra coverage for your extreme sports activities. Unfortunately, this does not mean you will have all of your bases covered. In addition to extreme sports insurance coverage, you can also get high-risk accidental death policies added to your other insurance policies.
Types of vacation activities requiring extreme sports insurance
When you buy extreme sports insurance, it does not necessarily cover every activity defined as extreme. For instance, if you are going to Lake Tahoe, the policy you have will likely be limited to winter sports. If you are a professional skydiver, it is unlikely that your policy will cover motor-cross racing. Even if a facility or company says they have extreme sports insurance coverage that includes all visitors, having an individual policy for can be helpful if their policy falls short.
For these reasons, always read the fine print and make sure there are no conflicts between what you will be doing on vacation and what is written on the paper. Of course, once you have your insurance in order, you can do what you are supposed to do on vacation — relax.
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