What is Adventure Sports Travel Insurance? – A Brief Guide

Adventure Sports Travel Insurance

Buy travel insurance for adventure sports activity and extreme sports for student athletes and visitors traveling abroad.

Adventure Sports Insurance for Extreme & High Risk Sports

Are you athletes playing sports around the world? If yes, then you should definitely opt for adventure sports travel insurance for yourself. Why? Playing sports is your profession and your passion as well, but sometimes it can give you a hazardous injury. Travel insurance for sports activity for the athletes is much needed for any adventure sport.

You might be having sports health insurance for your home country, but it won’t cover the expenses of getting injured in a foreign country. This is one of the reasons you need to apply for sports travel insurance for extreme sports activities. While playing sports, you never know what can happen. Injury is uncertain, but its cost is definitely certain. This is where our adventure sports insurance plans come to the rescue.

Visitor Guard® has various sports travel insurance plans with varying coverage and rates. All in all, you can save yourself from paying extensive medical bills in a country other than your home. Get one yourself and protect yourself financially, because being an athlete you can’t ensure safety from injury.

Best Adventure Sports Travel Insurance Plans

Safe Travel USA Comprehensive

• Plan maximum limits ranging from $50,000 to $1 million
• Deductible options from $0 to $5000
• Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19, Well Doctor Visit
• Coverage for 1 episode of Acute Onset of Pre-existing conditions
• Coverage from 5 days to 2 years
• Brochure
• Review Plan

Atlas Travel

• Plan maximum limits ranging from $50,000 to $2 million
• Deductible options from $0 to $5,000
• Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
• Coverage for non-chronic Acute Onset of Pre-existing conditions
• Coverage from 5 days to 364 days
• Brochure
• Review Plan

iTravelInsured Travel Sport

• Accident and Sickness Medical Expense up to $250,000
• Hazardous sport up to $5000
• Trip Cancellation 100% of insured trip cost
• Trip Interruption 125% of insured trip cost
• Trip Delay up to $250 per day
• Search and Rescue up to $50,000, Sports Equipment Rental protection $5000
• Brochure
• Review Plan

Diplomat America

• Plan maximum limits ranging from $50,000 to $1 million
• Deductible options from $0 to $5000
• Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
• Coverage from 5 days to 364 days (non-renewable)
• Brochure
• Review Plan

Diplomat Long Term

• Plan maximum limit choices from $500,000 and a $1 million
• Deductible options from $0 to $5,000
• Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid -19
• Unexpected recurrence of a pre-existing condition( for US citizens)
• Renewal Coverage from 5 days to 2 years
• Brochure
• Review Plan

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Benefits of Sports Travel Insurance

If you are still thinking about its importance or how health insurance for sports activity will help, read the benefits. We try to entirely secure you financially so that you can play with full enthusiasm and without any fear of getting injured and paying heavy bills.

• Activity Coverage: When we say sports, we mean every from tennis and badminton to basketball and football. No matter which sport you are into, we have covered almost every sport in our plans.
• Loss of Baggage: Traveling from one country to another, the chances of misplacing the baggage increase. Hence, the lost luggage coverage is also included in the plan.
• COVID-19 Coverage: Whether you are opting for travel insurance or sports travel insurance COVID-19 coverage has become essential looking at the situation.
• Extended Medical Coverage: Get all your medical charges covered, from the doctor’s fees to hospital room costs and pharmacist bills.
• Multiple Plans to Choose From: there are in total four different sports travel insurance plans that you can go through or choose from.

Why choose us for Sports Travel Insurance

Here at Visitor Guard®, we believe in providing full security for your health as well as your pocket. All our health insurance plans are curated by industry experts. Here are a few reasons why choose us:

• Affordable Plans: We have different plans with different affordable rates. Insurance plans are supposed to be relievers, not stress givers.
• 24/7 Customer Support: Being a believer in 100% customer satisfaction, we provide never-ending customer support to solve queries.
• Easy Procedure: Getting an insurance plan is an easy process, you don’t need to go through plenty of examinations.
• Quick Claim Reimbursement: As soon as you claim the insurance policy the reimbursement will be done quickly.
• Worldwide Availability: Visitor Guard® is not limited to one country, it has a worldwide presence to help its customers.

Water Sports Travel Insurance

Travel insurance policies are mostly designed to keep travelers’ travel and medical needs in mind. But with the popularity of water sports, many travel insurance companies are including extreme and common water sports coverage, allowing adventure enthusiasts to take part in it without worrying about accidents or injuries.

If you wish to include water sports in your coverage, you need to pay extra because not all polices offer water sports coverage. If your chosen sport isn’t included in your coverage, you are not covered in the event of any injury or accident that might happen while participating in that sport.

The most common water sports are scuba diving, sailing, surfing, tubing, waterskiing, jet-skiing, parasailing, fishing, free diving, and more.

Travel Insurance for Winter Sports

Travel insurance policies for winter sports cover a wide range of activities with varying levels of danger. However, you may not find many sports covered in insurance policies. For instance, while skiing can be a part of many policies, ice climbing can be included but less common.

If you’re planning to take part in some activities in a snow-clad landscape, getting insured can protect you from adverse situations. From evacuating and transporting you to the nearest equipped hospital to getting cashless treatment for any injury, travel insurance plans for winter sports can save you in plenty of ways.

Why do I need adventure sports travel insurance?

Travel insurance for adventure sports protect you from different unforeseen events during your vacation. If your next trip includes skiing in the Alps, or sky diving to see the spectacular views of the Sydney coastline, getting a sports travel insurance plan should be on your list.

The policies can cover medical expenses, treatment, and hospital charges for the injuries that happen while taking part in a hazardous activity. Plus, medical evacuation coverage serves as a great benefit to travelers. They receive air ambulance to pick them up from deserted locations and transport them to the nearest qualified medical facility.

Some policies also cover sports rental equipment and offer reimbursement if any of your sports gear is lost, stolen, or damaged during the trip.

What to consider when buying travel insurance for sports?

Travel insurance for sports can vary from policy to policy. Sports or activities covered in one policy may not be included in another policy, hence, you need to be very particular about your needs. When buying sports insurance coverage, it is suggested to include at least $100,000 medical evacuation and $50,000 or more emergency medical treatment. Also, check the medical benefits, terms of claims, and claim processes.

What does adventure sports travel insurance cover?

Emergency medical- The policy offers cashless treatment to a medical emergency that occurred while taking part in an extreme sport.

AD&D– In the event of death or loss of a limb while participating in a dangerous activity or sport, some insurance policies can provide a payout to you or to your beneficiary.

Medical evacuation– The policy can cover medical evacuation, that is transportation to the nearest qualified medical facility in the event of injury or accidents.

Medical repatriation– Plans offer coverage repatriation (return of mortal remains) in the event of death of the insured.

Trip cancellation– Sports travel insurance plan can cover trip cancellation benefits and refund you prepaid and non-refundable trip expenses, sports tickets, rentals, fees, and more.

Activities included under Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports:

For this coverage, an additional 1.25 factor is added to the base premium plus any additional monthly flat rates as listed in the below table.

Shopping for Sports Travel Insurance

Do your research as you shop for sports travel insurance. It’s important to compare your needs with what is covered by each plan. Once you decide on which plan suits you, you can purchase it online.

Often, in addition to receiving an e-copy of your policy shortly after purchase, you will also receive a copy of the policy in the mail. This may take two weeks or less depending on the company.

Safe Travels USA Cost Saver and Diplomat America are good options for those who are seeking sports travel insurance when visiting the United States from another country. They can save you a lot of money in case of a tragic accident. Get quotes for them, review their plans, and decide on the one that provides you the coverage you need.

Sports Travel Insurance Inclusion and Exclusions

Coverage for pre-existing conditions: If you have any condition for which you have taken medication or treatment in the recent past, it is important to know what your plan will cover in case the condition recurs. Typically plans do not cover known and scheduled treatment costs. However, should the condition unexpectedly recurs, Safe Travel cover the first $1,000 related to the treatment of a sudden unexpected recurrence of a pre-existing condition, while Diplomat America excludes all treatment related to a pre-existing condition.

Safe Travel offers optional coverage by paying an additional 20% of the premium for athletic sports coverage, here professional and semi-professional sports always fall under the exclusions. Diplomat America offers optional coverage at an additional 1.25 factor on the base premium plus additional flat monthly rates as specified in the table above.

Club sports or organized sports can be covered via a group plan. Please contact us for a custom quote.

Traveling always involves risks, and when it comes to participating in sports and adventurous activities abroad, the risk is doubled. Even if you are a seasoned athlete or sportsperson, you can never be certain something won’t go wrong on your next trip abroad. Rather than running the risk of paying through your nose for medical expenses, rely on sports travel insurance that will prove immensely valuable in an emergency situation. Don’t you think the peace of mind you will experience is worth the premiums you pay? Then go for it and get the best quote today!

What is Adventure Sports Travel Insurance? – A Brief Guide

What is Adventure Sports Travel Insurance – A Brief Guide

Everyone’s idea of a vacation may not be the same- while some want to relax on the beach, some want to explore off-beaten paths. However, some look forward to taking part in extreme sports and unleashing their daring side to the world. If you fall into the third category of people looking for ways to push up their adrenaline levels, you need to get adventure sports travel insurance.

With a growing number of people taking part in adventurous activities during their leisure travel, adventure sports travel insurance is gaining popularity. Why? Your standard health insurance may cover you in your home country, but it may not protect you when you’re vacationing abroad. When you take part in extreme sports, there is no guarantee that you will not be injured.

Accidents and injuries may crop up anytime, which is why travel insurance is a must nowadays. To know more about this, let’s get started.

What is adventure sports travel insurance?

Adventure sports travel insurance is an add-on to your health policy that provides coverage for medical emergencies that may occur while participating in a hazardous sport. This includes the cost of treatment, medical evacuation, urgent care, and hospitalization required for injuries sustained during a dangerous sport.

Suppose a traveler is injured while engaged in an activity covered under their adventure sports policy. In that case, the policy typically pays for medical expenses, medical evacuation if necessary and possibly accidental death or dismemberment, depending on the specific coverage chosen.

It may also provide medical evacuation to a facility better equipped to treat a specific injury than the hospital that the insured individual is initially sent to. In the event of death, the repatriation of remains may also be covered. However, the plans and the coverage varies, hence it is recommended to go through the brochure before choosing one.

What falls under adventurous sports?

It varies per the plan you opt for. Typically adventure sports are categorized per the risk involved. Archery, tennis, swimming, cross country, track, volleyball, and golf are typically one category.

While the other category includes ballet, basketball, cheerleading, equestrian, fencing, field hockey, football (no division 1), gymnastics, hockey, karate, lacrosse, polo, rowing, rugby, and soccer.

Other sports that are covered are bobsledding, bungee jumping, canoeing/kayaking, canopying, cave tubing, hang gliding, horseback riding, hot air ballooning, jet skiing, motor scooter, motorcycling, mountain biking, piloting any non-commercial aircraft, scuba diving, snow skiing, snowboarding, surfing, trekking, water skiing, whitewater rafting, windsurfing, zip-lining, and more.

Remember that professional and semi-professional sports are always excluded. Any athletic sport not expressly covered is excluded from the policy unless the activity is non-contact and engaged in by travelers solely for leisure, recreation, entertainment, or fitness purposes.

Why should you purchase adventure sports insurance?

Adventure sports travel insurance can help in different ways. Let’s have a look.

It helps you cover a medical emergency

If your adventure vacation includes cycling or hiking trip, you are still facing a higher risk of injuring yourself. This is where medical attention comes into the picture. Many people don’t realize that their domestic health insurance won’t be accepted in foreign countries. Instead, hospitals would charge you. That’s why it’s so important to have a travel insurance policy with an adventure sports rider to keep you financially protected.

It provides medical evacuation

Travel insurance can cover medical evacuation from a remote area. If you get injured when you are far from a major city, the cost of a medical evacuation in a foreign country can be overwhelming. If your adventure vacation takes you to a remote area, or if your injuries are severe, these costs can dramatically increase. Emergency transportation benefit is a vital aspect of travel insurance. They can arrange and pay for transportation to the nearest qualified hospital if local medical facilities cannot offer correct treatment for wounds or injuries.

It provides trip cancellation benefits

Travel insurance can cover your expenditure if you have to call off your vacation. Unless you opt for a trekking holiday close to home, an adventure tour isn’t cheap. Trip cancellation benefits offer protection for your vacation investment. If you have to cancel your trip unexpectedly for a covered reason, travel insurance can reimburse you for your non-refundable, pre-paid trip costs up to a specific limit as mentioned in your plan.

It protects your belongings

Travel insurance can protect your gear. Hiking boots, ski goggles, gloves, cycling jerseys, performance clothing– you may pack a lot of things for your adventure. What if your jersey gets damaged, stolen, or never shows up? This is where the loss of personal belonging benefits kicks in. Your insurance plan can reimburse you for the actual price, actual cash value, repair, or replacement- whichever is less, based on the limits. However, you will have to give original receipts of the lost or stolen items, or they will not be covered.

Frequently Asked Questions (FAQs)

1. How do I buy a sports travel insurance policy?

To buy a sports travel insurance policy, you will have to contact the insurance company or broker and explain your requirements. Or you can also visit the website of insurance companies to have a look at the policies by yourself.

2. When should I buy a sports travel insurance policy?

Depending on the plan you opt for sports travel insurance policies can be bought up till one day before travel. However, it is not a good idea to wait till the last minute. Ideally, you should buy a sports travel insurance policy once you finalize your travel dates. If you would like to opt for Trip cancellation, it is a good practice to buy the policy as soon as the initial deposit has been made.

3. What are the best Sports travel insurance policies available in the market?

The best sports travel insurance policies are the one that has the maximum coverage of sports activities and minimum deductibles. Here are the names of a few of the best sports travel insurance policies:

(with coverage from 5 days to 2 years)
• Diplomat America (with coverage from 5 days to 364 days) (with coverage from 5 days to 364 days)
• Diplomat Long Term (with coverage from 5 days to 2 years)
• iTravelInsured Travel Sports

Conclusion

Choosing the right adventure sports travel insurance plan isn’t after all an overwhelming task. The key is to look for the right company and be clear about your requirements. Also, there’s no coverage for the individuals competing and winning a money prize. Check out adventure sports travel insurance plans from the Visitor Guard® – one of the best companies providing visitor insurances in the US.

What is Adventure Sports Travel Insurance? – A Brief Guide

What is Adventure Sports Travel Insurance – A Brief Guide

Everyone’s idea of a vacation may not be the same- while some want to relax on the beach, some want to explore off-beaten paths. However, some look forward to taking part in extreme sports and unleashing their daring side to the world. If you fall into the third category of people looking for ways to push up their adrenaline levels, you need to get adventure sports travel insurance.

With a growing number of people taking part in adventurous activities during their leisure travel, adventure sports travel insurance is gaining popularity. Why? Your standard health insurance may cover you in your home country, but it may not protect you when you’re vacationing abroad. When you take part in extreme sports, there is no guarantee that you will not be injured.

Accidents and injuries may crop up anytime, which is why travel insurance is a must nowadays. To know more about this, let’s get started.

What is adventure sports travel insurance?

Adventure sports travel insurance is an add-on to your health policy that provides coverage for medical emergencies that may occur while participating in a hazardous sport. This includes the cost of treatment, medical evacuation, urgent care, and hospitalization required for injuries sustained during a dangerous sport.

Suppose a traveler is injured while engaged in an activity covered under their adventure sports policy. In that case, the policy typically pays for medical expenses, medical evacuation if necessary and possibly accidental death or dismemberment, depending on the specific coverage chosen.

It may also provide medical evacuation to a facility better equipped to treat a specific injury than the hospital that the insured individual is initially sent to. In the event of death, the repatriation of remains may also be covered. However, the plans and the coverage varies, hence it is recommended to go through the brochure before choosing one.

What falls under adventurous sports?

It varies per the plan you opt for. Typically adventure sports are categorized per the risk involved. Archery, tennis, swimming, cross country, track, volleyball, and golf are typically one category.

While the other category includes ballet, basketball, cheerleading, equestrian, fencing, field hockey, football (no division 1), gymnastics, hockey, karate, lacrosse, polo, rowing, rugby, and soccer.

Other sports that are covered are bobsledding, bungee jumping, canoeing/kayaking, canopying, cave tubing, hang gliding, horseback riding, hot air ballooning, jet skiing, motor scooter, motorcycling, mountain biking, piloting any non-commercial aircraft, scuba diving, snow skiing, snowboarding, surfing, trekking, water skiing, whitewater rafting, windsurfing, zip-lining, and more.

Remember that professional and semi-professional sports are always excluded. Any athletic sport not expressly covered is excluded from the policy unless the activity is non-contact and engaged in by travelers solely for leisure, recreation, entertainment, or fitness purposes.

Why should you purchase adventure sports insurance?

Adventure sports travel insurance can help in different ways. Let’s have a look.

It helps you cover a medical emergency

If your adventure vacation includes cycling or hiking trip, you are still facing a higher risk of injuring yourself. This is where medical attention comes into the picture. Many people don’t realize that their domestic health insurance won’t be accepted in foreign countries. Instead, hospitals would charge you. That’s why it’s so important to have a travel insurance policy with an adventure sports rider to keep you financially protected.

It provides medical evacuation

Travel insurance can cover medical evacuation from a remote area. If you get injured when you are far from a major city, the cost of a medical evacuation in a foreign country can be overwhelming. If your adventure vacation takes you to a remote area, or if your injuries are severe, these costs can dramatically increase. Emergency transportation benefit is a vital aspect of travel insurance. They can arrange and pay for transportation to the nearest qualified hospital if local medical facilities cannot offer correct treatment for wounds or injuries.

It provides trip cancellation benefits

Travel insurance can cover your expenditure if you have to call off your vacation. Unless you opt for a trekking holiday close to home, an adventure tour isn’t cheap. Trip cancellation benefits offer protection for your vacation investment. If you have to cancel your trip unexpectedly for a covered reason, travel insurance can reimburse you for your non-refundable, pre-paid trip costs up to a specific limit as mentioned in your plan.

It protects your belongings

Travel insurance can protect your gear. Hiking boots, ski goggles, gloves, cycling jerseys, performance clothing– you may pack a lot of things for your adventure. What if your jersey gets damaged, stolen, or never shows up? This is where the loss of personal belonging benefits kicks in. Your insurance plan can reimburse you for the actual price, actual cash value, repair, or replacement- whichever is less, based on the limits. However, you will have to give original receipts of the lost or stolen items, or they will not be covered.

Frequently Asked Questions (FAQs)

1. How do I buy a sports travel insurance policy?

To buy a sports travel insurance policy, you will have to contact the insurance company or broker and explain your requirements. Or you can also visit the website of insurance companies to have a look at the policies by yourself.

2. When should I buy a sports travel insurance policy?

Depending on the plan you opt for sports travel insurance policies can be bought up till one day before travel. However, it is not a good idea to wait till the last minute. Ideally, you should buy a sports travel insurance policy once you finalize your travel dates. If you would like to opt for Trip cancellation, it is a good practice to buy the policy as soon as the initial deposit has been made.

3. What are the best Sports travel insurance policies available in the market?

The best sports travel insurance policies are the one that has the maximum coverage of sports activities and minimum deductibles. Here are the names of a few of the best sports travel insurance policies:

(with coverage from 5 days to 2 years)
• Diplomat America (with coverage from 5 days to 364 days) (with coverage from 5 days to 364 days)
• Diplomat Long Term (with coverage from 5 days to 2 years)
• iTravelInsured Travel Sports

Conclusion

Choosing the right adventure sports travel insurance plan isn’t after all an overwhelming task. The key is to look for the right company and be clear about your requirements. Also, there’s no coverage for the individuals competing and winning a money prize. Check out adventure sports travel insurance plans from the Visitor Guard® – one of the best companies providing visitor insurances in the US.

Source https://www.visitorguard.com/sports-travel-insurance/

Source https://www.visitorguard.com/what-is-adventure-sports-travel-insurance/#:~:text=Adventure%20sports%20travel%20insurance%20is%20an%20add-on%20to,required%20for%20injuries%20sustained%20during%20a%20dangerous%20sport.

Source https://www.visitorguard.com/what-is-adventure-sports-travel-insurance/