"insurance For Adventure Seekers: Protecting Your Thrilling Escapes In Australia" - Regardless of what sports activities you will be doing during your trip, it is crucial to ensure that you have the right travel insurance policy. If you're looking for more specific coverage that covers extreme sports, you'll need to work a little harder to find a plan that's right for you, as most standard travel insurance policies generally exclude extreme sports coverage.
Most insurers provide cover for a wide range of adventure activities, while some cover extreme sports such as bungee jumping, skydiving, paragliding, hot air ballooning, jet skiing, rafting, diving, sledding and more.
"insurance For Adventure Seekers: Protecting Your Thrilling Escapes In Australia"
However, the type of coverage and the range of extreme sports covered varies from insurer to insurer, so be sure to check with your insurer before rushing to buy a plan.
Best Travel Insurance For Extreme Adventure Sports
Although there are many travel insurance plans marketed as extreme sports travel insurance, there are still certain activities that are excluded, namely:
You never know when you might have an accident, especially when you do extreme sports, and even if you have been doing this extreme sport for many years, you should not take it for granted, but it is safer to be insured against all possibilities.
Making sure you have enough cover for emergency medical evacuation is especially important if you are planning to go diving, hiking or skydiving as these activities are usually not located near a decent medical facility and you will likely need to get emergency medical evacuation if anything happens.
Having a plan that is tailored to the specific needs of your travel activities will help ensure you have comprehensive coverage for your trip, help expedite any claims whenever needed and save time.
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You will also need to check whether the sporting activity you are participating in is covered by personal accident or personal liability, because if you are seriously injured during an extreme sporting activity that is not covered by personal accident or personal liability, your travel insurance will not cover any related medical expenses.
For example, Singlife's travel insurance cover claims that you will automatically be covered for a whole list of leisure activities, as long as they are played on a recreational basis. Covers karting, jet skiing and surfing. These three activities, along with windsurfing and water skiing, do not have personal accident coverage, although there is personal liability coverage which means any third party damage (to people or property) will be covered up to $250,000.
Whether you're renting or taking your sports equipment on a trip, you need to be aware of how much your travel insurance covers you. If your extreme sports equipment costs several hundred dollars or more, it's definitely wiser to invest in a plan that will ensure you don't lose out if your equipment is stolen or damaged.
With affordable plans as low as $4 a day for travel insurance, Bubblegum makes purchasing travel insurance hassle-free and convenient. You'll be able to receive your quote in just minutes by syncing your SingPass data, customizing your plan with any optional add-ons and tracking your travel insurance claims on the go. For those who are into more adventurous activities, Bubblegum has plans that cover activities such as hot air ballooning, diving and skiing, with no height or depth restrictions.
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As one of the newer players in Singapore's travel insurance scene, Etiqa presents some of the most comprehensive and affordable travel insurance plans, including their Tiq Savvy which is one of their 3 travel insurance plans available. The Tiq Savvy plan is their Level 2 and includes cover for a wide range of outdoor activities and extreme sports such as hot air ballooning, diving, skydiving, paragliding and more, and the option to add on travel insurance against COVID-19 coverage.
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Apart from being known for its pre-existing coverage benefits, MSIG is also among the few insurers that cover certain extreme sports/adventure activities such as hot air ballooning, jet skiing, rafting, skydiving and bungee jumping. Highlights of their Elite plan include travel insurance cover against COVID-19, overseas and post-trip medical expenses, replacement travel cover, licensed tour operator insolvency cover and more.
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FWD's range of wallet-friendly travel insurance plans consists of 3 types, the Business plan being the mid-level one that includes cover for outdoor/extreme sports activities such as hot air ballooning, snowboarding, bungee jumping, mountain biking, paragliding, golf, and much more. In addition, you can look forward to their cashless medical claims service, 180 days advance purchase, emergency medical evacuation, optional supplement for enhanced travel benefits related to COVID-19 and many more benefits.
If you are looking for highly customizable travel insurance plans with extreme sports/adventure coverage, Starr TraveLead plans may be for you. Their most basic plan Starr TraveLead Comprehensive Bronze plan includes coverage for medical expenses related to COVID-19 and travel cancellations related to COVID-19, cover for amateur hazardous sports including skiing, diving and hot air ballooning, as well as coverage for in-patient and outpatient treatment abroad, personal accident compensation and much more.
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Additional cover for specific activities may vary from insurer to insurer, but the primary aspects of cover will often be:
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In the event that you are involved in an accident or injury while participating in extreme sports or outdoor activities covered by your travel insurance plan, your overseas medical bills will be claimable.
This aspect of the cover allows you to claim compensation for emergency transport to a medical facility for treatment, when you have sustained a serious injury as a result of extreme sports or outdoor activities while abroad.
If you or a member of your immediate family, or a travel companion, is injured or has an accident while engaging in extreme sports or outdoor adventure activities, and this results in your trip being shortened or interrupted, canceled or postponed, you will be able to claim up to a certain amount, depending on the type of plan you purchased. For some travel insurances, an excess of a certain amount applies.
This cover, which will help you deal with additional medical or third-party costs in the event that you are seriously injured during an extreme sporting activity and a third party is involved (be it a person or someone else's property), is essential because I will never be able to predict whether any harm can be caused to you or others when you engage in a sporting activity abroad.
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Personal liability cover means that any third party damage (to people or property) will be covered, so if your plan doesn't include a "Personal Liability" section, your travel insurance won't cover any medical or related expenses.
Being able to get reimbursed a certain amount for your personal sports equipment or renting sports equipment abroad will save you from shelling out unnecessary money in case a replacement is needed.
As we compare the top 5 extreme sports plans from these renowned travel insurers, we can see the differences and similarities in terms of the respective benefits.
The average cost of a travel insurance plan with extreme sports/adventure coverage for a 5D4N trip to Asia is around $30, assuming we take the most basic plan offered by each travel insurance provider.
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The more economical choices would be FWD, Bubblegum and Starr as they offer lower premiums. Despite offering lower premiums than Starr and Bubblegum, FWD's medical coverage is quite comprehensive with a generous maximum limit of $1,000,000.
Starr and Etiqa also provide more coverage of up to $15,000 and $10,000 for trip cancellation in the event that your flight is canceled due to unexpected circumstances such as being diagnosed with COVID-19, the aircraft you are booked on being out of service, etc.
This will depend on the type of plan you prefer, as well as your lifestyle, adventures and travel needs. The scope of cover for a list of adventure activities or extreme sports varies from insurer to insurer whether it is personal accidents or travel.
More comprehensive travel insurance plans will provide personal accident cover, however most of these plans do not cover the occurrence of critical illnesses during adventure travel that personal accident insurance plans cover. More standard travel insurance plans can leave you with large out-of-pocket costs in the event that you get into an accident or are injured during an adventure activity abroad.
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On the other hand, personal accident insurance plans often exclude terrorism risks, baggage and passport return/renewal, repatriation costs, etc., so travel insurance plans will come in handy if you're looking to cover such aspects.
So, if you are involved in extreme sports that involve a high level of risk of injury, it is recommended
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