In a nutshell, adventure travel insurance covers you if you indulge
in activities that many would perceive as being overly risky. For
instance, if chumming the water before swimming with sharks is your
idea of a good time then your insurance carrier might take issue
with paying a claim should you get hurt.
Paragliding, mountain climbing, spelunking and many other
traditional adventure travel activities may give your health
insurance carrier pause when hit with a claim. And if you get hurt
at all while outside of your country theres certainly a chance you
wouldnt be covered anyway.
As an example, you may think youre covered when taking a cruise
down the California coast, but if you jump on a boat thats flying a
foreign flag, you may not be covered.
The solution to seeing if youre covered, or not, is a simple common
sense approach. Read your medical and life insurance policies or
give your carrier(s) a call. They should be able to clear things up
for you in a hurry.
And because were talking about adventure travel, lets touch on
some of the travel aspects of insurance policies.
First, before we get into the details, let me advise you to do the
math before buying any travel insurance policy. You need to weigh
the risk against the cost for each trip you plan to make.
Dont just get into the habit of buying travel insurance out of
habit. Make sure you need it and that its worth the added expense.
For instance, why bother with trip cancelation insurance for a cheap
$67 ticket on an economy flight?
However, if youve got a few grand tied up in a Safari trip coming
up in a few months, wisdom would dictate that you buy cancelation
insurance. A lot can happen over that period of time that could put
your trip at risk. This is an exaggerated example, but you get the
Following are several types of travel insurance coverage you should
consider before going on your next overseas adventure travel
- Adventure travel insurance: Weve talked about this one already,
so if you have skydiving, or some other risky adventure lined up,
think seriously about getting this additional coverage.
- Health Care / Medical insurance: See if youre covered by your
current policy should you need it outside the country. If not, buy
this coverage without question.
- Trip cancellation (or interruption) insurance: Just do the math
and follow conventional wisdom per the example given above.
- Lost, delayed or stolen baggage insurance: Give this one serious
consideration if youre checking bags for overseas flights. If you
dont have this coverage, and youre bags disappear, you may be
woefully under covered by the legal liabilities of the airlines.
There are other types of insurance you can buy, but the four listed
above will probably be your best bet for travel insurance needed by
those with the spirit of adventure.