Travel Insurance Pro Alerts: Common Holiday Activities Often Left Uncovered in Standard Plans
Vacations are frequently viewed as opportunities to test drive novel activities or partake in beloved hobbies within thrilling unfamiliar settings.
Scuba diving, camping, and trekking are commonly enjoyed activities that travelers often readily engage in during their trips.
But travel insurers warn that many common adventure activities are not included in standard insurance policies, leaving travellers with both safety and financial risks.
This is what an expert highlights as the sports leading to the highest number of claims along with the most severe actions 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 There might be exclusions for certain sports or activities, regardless of how minimal-risk they may seem to low-risk travelers.
There might be exceptions for engaging in activities such as hiking or camping at elevations higher than specific limits due to the inherent risks," she explains. "Similarly, this applies to activities like scuba diving or freediving beneath particular depths.
Should you engage in activities outside your insurance coverage, the main issues likely to occur involve medical mishaps, like getting hurt.
"When this occurs, travelers might end up facing significant hospital expenses and have no coverage to assist them in dealing with the consequences," Baykal points out.
This applies to the absence of an emergency evacuation plan as well. coverage If a traveler sustains an injury or encounters an incident serious enough to necessitate evacuation services, the out-of-pocket expenses can be extremely high and might lead to significant financial hardship atop the already substantial physical distress caused by the event itself.
What should you do if the activity you're interested in isn’t part of your coverage?
It's not uncommon when you're overseas to suddenly want to join in an activity that isn’t included in your insurance coverage.
In this scenario, 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 plan even when they're already at their destination; however, coverage doesn’t start right away.
"It’s crucial to remember that waiting periods may apply, hence travelers ought to keep this in mind and plan their trips accordingly," states Baykal.
For individuals looking for a one-time trip insurance through World Nomads, coverage begins at 12:01 AM the day following the policy’s purchase once World Nomads receives your payment.
The wait times can differ among various insurance providers and their policies.
What kinds of activities lead to the highest number of travel insurance claims?
Usually, if you're unsure about taking part in a sport or activity while overseas, despite how commonplace it might be, you ought to verify your insurance policy twice.
At certain locations, dangerous activities are either inevitable or an essential aspect of the journey.
For example, motorbiking is one activity that results in the most insurance claims, according to World Nomads, but in places like Thailand and Indonesia, it is the main mode of transportation.
“Another activity that results in the most insurance claims is trekking at high altitudes, leading to altitude sickness,” says Baykal. “Destinations where these types of events typically occur include Peru and Nepal.”
What are the most extreme activities covered by travel insurance?
If you intend to take part in exceptionally extreme sports, you should look for an all-encompassing insurance policy.
In World Nomads' Ultimate Plan, travelers get 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 chance to experience cave diving up to 50 meters, freediving down to 60 meters, bull riding, hang gliding, skydiving, and cliff jumping.
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