Table of Contents

Travel insurance for paragliding and parasailing

Planning to paraglide on your travels? Find travel insurance that covers you in flying colours.

Jessica Prasida

In this guide
Types
Brands
Guides
Destinations

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Paragliding or parasailing over a foreign land can be a visual experience like no other. However, before you fly up and away make sure your travel insurance covers for medical expenses if anything goes wrong.

How do I make sure I’m covered?

If your policy says it covers a range of sports including paragliding, it’s important to check if there are any conditions that affect when cover will apply. Conditions may include:

  • You must be a passenger. You will need to be paragliding in tandem with a licensed instructor and be a passenger rather than in control of the aircraft.
  • A licensed operator is required. The paragliding equipment and service must be provided by a licensed commercial operator.
  • You may need to buy an extra sports option. You may need to take certain steps when taking out your policy, such as applying for cover over the phone or purchasing a special adventure sports pack.
  • Understand what your policy covers. There is a difference between paragliding and parasailing and some travel insurance brands may only cover parasailing.

Who provides cover for paragliding and parasailing?

  • Activity must be conducted through a commercial operator, be available to general public, not be considered Extreme Risk and not require any special skills, pre-fitness training program prior to the participation of the activity, or a high level of fitness to undertake

Travel With Kit

Travel With Jane

Note: This information was last updated August 2022

What is the difference between paragliding and parasailing?

ParaglidingParasailing
Paragliding is a flying sport where participants use their feet to launch a free-flying aircraft off a high cliff and experience the feeling of soaring through the sky like a bird. It’s often confused with the similarly named sport of parasailing, where participants are attached to a vehicle.Parasailing is also a recreational flying sport, but the key difference is that participants are towed behind a vehicle, generally a boat. The vehicle generates the momentum needed to provide lift, and the participant is attached to a special type of parachute known as a parasail.

If you’re thinking of paragliding or parasailing while on holiday, be aware that travel insurers apply different definitions of what constitutes paragliding and what constitutes parasailing. Check with your insurer to confirm whether you will be covered before you participate in either sport.

Top places to paraglide in the worldparaglide2

Hautes-Alpes, France

You won’t find many more spectacular places in the world to paraglide than the French Alps. Read the guide to travel insurance for France.

Ölüdeniz, Fethiye, Turkey

Taking off from the 2,000m high Mt Babadag and marvelling at the stunningly clear blue water below is one of the highlights at this great paragliding destination. Read the guide to travel insurance for Turkey.

Seiser Alm, Dolomites, Italy

These world famous rocky cliffs make for some pretty spectacular scenery and are best enjoyed from above. Read the guide to travel insurance for Italy.

Danyang, South Korea

This extremely popular site for paragliders and hang-gliders allows you the opportunity to soar over breathtaking mountains and valleys. Read the guide to travel insurance for Asia.

Castelluccio, Umbria, Italy

This high-altitude village lets paragliders take in the remarkable vista of colourful flowers that bloom in spring and summer.

Top places to parasail in the worldparasail

Denarau islands, Fiji

This part of Fiji offers one an amazing parasail experience along it’s beautiful ocean. Read the guide to travel insurance for Fiji.

Key-West, Florida

Key West is another one of Florida’s parasailing hot spots, known for its captivating view of the sea. Read the guide to travel insurance for the USA.

Cape Town, South Africa

Cape Town’s mountainous yet coastal terrains make for a unique parasailing experience. Read the guide to travel insurance for South Africa.

Goa, India

Goa’s famous Anjuna and Calangute beaches are known to attract parasailers from around the world. Read the guide to travel insurance for India.

Phuket, Thailand

Although parasailing is not ultra popular here, Patong beach offers cheap parasailing experiences with a great view. Read the guide to travel insurance for Thailand.

When won’t you be covered?

There are certain situations when you won’t be able to receive any cover from your travel insurer for paragliding or parasailing. Some of these are specific to the sport itself, including:

  • No cover if you don’t satisfy all policy conditions, such as flying in tandem with a licensed instructor when you paraglide
  • No cover unless you specifically arrange for the sport to be covered when arranging your policy
  • No cover for personal liability while paragliding
  • No cover if you operate the equipment

In other cases, you may not be covered for paragliding-related claims under some of the general exclusions of your policy, such as:

  • If the insurer excludes paragliding from cover altogether
  • If your claim arises because you are under the influence of alcohol or drugs

Make sure you read the fine print of your policy to work out when you will and will not be covered.

Am I covered for hang gliding?

Hang gliding is a similar activity to paragliding but the main difference is the design of the aircraft that makes it harder to control than paragliders. For this reason, many travel insurance policies will exclude hang gliding.

Paragliding and parasailing safety checklist

  • Paragliding requires a high cliff for launching and the right conditions. Paragliders should never take off into winds over 25km/h unless they are highly trained and experienced. Paragliding should also never be undertaken in wet conditions.
  • Life jackets if the vehicle is a boat. Life jackets are essential if the sport is being done over water.
  • Route should have no obstructions. There should be no obstructions in the vehicle’s path.
  • Wear a helmet. All paragliding and parasailing participants should wear a helmet to prevent injury.
  • Research the provider. Before hiring a tandem glider pilot, do your research and make sure you will be taking to the air with someone you can trust. Find a licensed instructor with a licensed commercial paragliding provider. Ask the instructor how long they’ve been flying for, how many tandems they’ve done and what advice they can give to beginners. Watching them take off first is another good way to gauge their skills.
Sources

Jessica Prasida

Jessica Prasida is a publisher for Finder specialising in travel and home insurance. She loves travelling and is a wannabe dumplings master. Jess has a Bachelor of Business from the University of Technology Sydney and a Tier 1 General Insurance qualification. She is currently studying a Master of Marketing.

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This guide takes a closer look at motorcycle travel insurance and makes some suggestions regarding levels of cover and ways to stay safe when riding abroad.

Ask an Expert

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Finder acknowledges Aboriginal and Torres Strait Islanders as the traditional custodians of country throughout Australia and their continuing connection to land, waters and community.

Read Post  Paragliding and parasailing – difference and comparison

Disclaimer – Hive Empire Pty Ltd (trading as finder.com.au, ABN: 18 118 785 121) provides factual information, general advice and services on a range of financial products as a Corporate Authorised Representative (432664) of Centra Wealth Pty Ltd AFSL 422704. Please refer to our FSG – Financial Products. We also provide general advice on credit products under our own Credit Licence ACL 385509. Please refer to our Credit Guide for more information. We can also provide you with general advice and factual information on about a range of other products, services and providers. We are also a Corporate Authorised Representative of Countrywide Insurance Group Pty Ltd trading as “Austbrokers Countrywide” ABN 51 586 953 292 AFSL No. 511363 for the provision of general insurance products. Please refer to our FSG – General Insurance. We hope that the information and general advice we can provide will help you make a more informed decision. We are not owned by any Bank or Insurer and we are not a product issuer or a credit provider. Although we cover a wide range of products, providers and services we don’t cover every product, provider or service available in the market so there may be other options available to you. We also don’t recommend specific products, services or providers. If you decide to apply for a product or service through our website you will be dealing directly with the provider of that product or service and not with us. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) or the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan. (c) 2022.

Finder Earn and Finder’s digital asset trading is powered by Finder Wallet Pty Ltd (ABN 11 149 012 653) an AUSTRAC registered Digital Currency Exchange and reporting entity (DCE100735494-001). Finder Wallet is an arm of the Finder Group specialising in blockchain technology. Finder Wallet operates the Finder App’s digital asset trading and wallet services. Finder Earn, powered by Finder Wallet Pty Ltd, is not offered under an Australian Financial Services Licence (AFSL). Finder Wallet Pty Ltd is not a bank and does not offer banking services. Banks are covered by a Government Deposit Guarantee. Finder Wallet’s services are not covered by the Australian Government Guarantee on Deposits.

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Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.

Important information about this website

finder.com.au is one of Australia’s leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.

finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don’t cover every available product or service.

Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn’t a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you’re unsure about anything, seek professional advice before you apply for any product or commit to any plan.

Products marked as ‘Promoted’ or ‘Advertisement’ are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder’s decision to show a ‘promoted’ product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.

Where our site links to particular products or displays ‘Go to site’ buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money here.

When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.

We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.

Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.

Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider’s terms and conditions as well as their application and lending criteria.

Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.

Travel insurance for paragliding and parasailing

Planning to paraglide on your travels? Find travel insurance that covers you in flying colours.

Jessica Prasida

In this guide
Types
Brands
Guides
Destinations

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Paragliding or parasailing over a foreign land can be a visual experience like no other. However, before you fly up and away make sure your travel insurance covers for medical expenses if anything goes wrong.

How do I make sure I’m covered?

If your policy says it covers a range of sports including paragliding, it’s important to check if there are any conditions that affect when cover will apply. Conditions may include:

  • You must be a passenger. You will need to be paragliding in tandem with a licensed instructor and be a passenger rather than in control of the aircraft.
  • A licensed operator is required. The paragliding equipment and service must be provided by a licensed commercial operator.
  • You may need to buy an extra sports option. You may need to take certain steps when taking out your policy, such as applying for cover over the phone or purchasing a special adventure sports pack.
  • Understand what your policy covers. There is a difference between paragliding and parasailing and some travel insurance brands may only cover parasailing.

Who provides cover for paragliding and parasailing?

  • Activity must be conducted through a commercial operator, be available to general public, not be considered Extreme Risk and not require any special skills, pre-fitness training program prior to the participation of the activity, or a high level of fitness to undertake

Travel With Kit

Travel With Jane

Note: This information was last updated August 2022

What is the difference between paragliding and parasailing?

ParaglidingParasailing
Paragliding is a flying sport where participants use their feet to launch a free-flying aircraft off a high cliff and experience the feeling of soaring through the sky like a bird. It’s often confused with the similarly named sport of parasailing, where participants are attached to a vehicle.Parasailing is also a recreational flying sport, but the key difference is that participants are towed behind a vehicle, generally a boat. The vehicle generates the momentum needed to provide lift, and the participant is attached to a special type of parachute known as a parasail.

If you’re thinking of paragliding or parasailing while on holiday, be aware that travel insurers apply different definitions of what constitutes paragliding and what constitutes parasailing. Check with your insurer to confirm whether you will be covered before you participate in either sport.

Top places to paraglide in the worldparaglide2

Hautes-Alpes, France

You won’t find many more spectacular places in the world to paraglide than the French Alps. Read the guide to travel insurance for France.

Ölüdeniz, Fethiye, Turkey

Taking off from the 2,000m high Mt Babadag and marvelling at the stunningly clear blue water below is one of the highlights at this great paragliding destination. Read the guide to travel insurance for Turkey.

Seiser Alm, Dolomites, Italy

These world famous rocky cliffs make for some pretty spectacular scenery and are best enjoyed from above. Read the guide to travel insurance for Italy.

Danyang, South Korea

This extremely popular site for paragliders and hang-gliders allows you the opportunity to soar over breathtaking mountains and valleys. Read the guide to travel insurance for Asia.

Castelluccio, Umbria, Italy

This high-altitude village lets paragliders take in the remarkable vista of colourful flowers that bloom in spring and summer.

Top places to parasail in the worldparasail

Denarau islands, Fiji

This part of Fiji offers one an amazing parasail experience along it’s beautiful ocean. Read the guide to travel insurance for Fiji.

Key-West, Florida

Key West is another one of Florida’s parasailing hot spots, known for its captivating view of the sea. Read the guide to travel insurance for the USA.

Cape Town, South Africa

Cape Town’s mountainous yet coastal terrains make for a unique parasailing experience. Read the guide to travel insurance for South Africa.

Goa, India

Goa’s famous Anjuna and Calangute beaches are known to attract parasailers from around the world. Read the guide to travel insurance for India.

Phuket, Thailand

Although parasailing is not ultra popular here, Patong beach offers cheap parasailing experiences with a great view. Read the guide to travel insurance for Thailand.

Read Post  Top 15 Paragliding Spots in North America

When won’t you be covered?

There are certain situations when you won’t be able to receive any cover from your travel insurer for paragliding or parasailing. Some of these are specific to the sport itself, including:

  • No cover if you don’t satisfy all policy conditions, such as flying in tandem with a licensed instructor when you paraglide
  • No cover unless you specifically arrange for the sport to be covered when arranging your policy
  • No cover for personal liability while paragliding
  • No cover if you operate the equipment

In other cases, you may not be covered for paragliding-related claims under some of the general exclusions of your policy, such as:

  • If the insurer excludes paragliding from cover altogether
  • If your claim arises because you are under the influence of alcohol or drugs

Make sure you read the fine print of your policy to work out when you will and will not be covered.

Am I covered for hang gliding?

Hang gliding is a similar activity to paragliding but the main difference is the design of the aircraft that makes it harder to control than paragliders. For this reason, many travel insurance policies will exclude hang gliding.

Paragliding and parasailing safety checklist

  • Paragliding requires a high cliff for launching and the right conditions. Paragliders should never take off into winds over 25km/h unless they are highly trained and experienced. Paragliding should also never be undertaken in wet conditions.
  • Life jackets if the vehicle is a boat. Life jackets are essential if the sport is being done over water.
  • Route should have no obstructions. There should be no obstructions in the vehicle’s path.
  • Wear a helmet. All paragliding and parasailing participants should wear a helmet to prevent injury.
  • Research the provider. Before hiring a tandem glider pilot, do your research and make sure you will be taking to the air with someone you can trust. Find a licensed instructor with a licensed commercial paragliding provider. Ask the instructor how long they’ve been flying for, how many tandems they’ve done and what advice they can give to beginners. Watching them take off first is another good way to gauge their skills.
Sources

Jessica Prasida

Jessica Prasida is a publisher for Finder specialising in travel and home insurance. She loves travelling and is a wannabe dumplings master. Jess has a Bachelor of Business from the University of Technology Sydney and a Tier 1 General Insurance qualification. She is currently studying a Master of Marketing.

More guides on Finder

Trek confidently with one of these 10+ brands that offer trekking insurance.

Find out how travel insurance covers shark cage diving and who

A guide to finding travel insurance brands that cover bungee jumping and what is covered.

Find out which travel insurance brands provide cover for Skydiving.

Going horse riding? Or what about camel riding? Make sure you get travel insurance that can cover you if an accident happens.

Guide to finding travel insurance that covers mountain biking.

Compare rock climbing travel insurance from various travel insurance brands. Find out exactly what you’re covered for.

Find out whether or not travel insurance covers you for scuba diving.

This guide takes a closer look at motorcycle travel insurance and makes some suggestions regarding levels of cover and ways to stay safe when riding abroad.

Ask an Expert

Share

Level 10, 99 York St, Sydney , NSW , Australia 2000

Australia

  • About Us
  • Careers
  • Media Room
  • Contact Us
  • Partner with Us
  • How We Make Money
  • Legal
  • Privacy & Cookies Policy
  • Editorial Guidelines
  • Sitemap
  • © 2022 finder.com.au

First Nation flags

Finder acknowledges Aboriginal and Torres Strait Islanders as the traditional custodians of country throughout Australia and their continuing connection to land, waters and community.

Disclaimer – Hive Empire Pty Ltd (trading as finder.com.au, ABN: 18 118 785 121) provides factual information, general advice and services on a range of financial products as a Corporate Authorised Representative (432664) of Centra Wealth Pty Ltd AFSL 422704. Please refer to our FSG – Financial Products. We also provide general advice on credit products under our own Credit Licence ACL 385509. Please refer to our Credit Guide for more information. We can also provide you with general advice and factual information on about a range of other products, services and providers. We are also a Corporate Authorised Representative of Countrywide Insurance Group Pty Ltd trading as “Austbrokers Countrywide” ABN 51 586 953 292 AFSL No. 511363 for the provision of general insurance products. Please refer to our FSG – General Insurance. We hope that the information and general advice we can provide will help you make a more informed decision. We are not owned by any Bank or Insurer and we are not a product issuer or a credit provider. Although we cover a wide range of products, providers and services we don’t cover every product, provider or service available in the market so there may be other options available to you. We also don’t recommend specific products, services or providers. If you decide to apply for a product or service through our website you will be dealing directly with the provider of that product or service and not with us. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) or the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan. (c) 2022.

Finder Earn and Finder’s digital asset trading is powered by Finder Wallet Pty Ltd (ABN 11 149 012 653) an AUSTRAC registered Digital Currency Exchange and reporting entity (DCE100735494-001). Finder Wallet is an arm of the Finder Group specialising in blockchain technology. Finder Wallet operates the Finder App’s digital asset trading and wallet services. Finder Earn, powered by Finder Wallet Pty Ltd, is not offered under an Australian Financial Services Licence (AFSL). Finder Wallet Pty Ltd is not a bank and does not offer banking services. Banks are covered by a Government Deposit Guarantee. Finder Wallet’s services are not covered by the Australian Government Guarantee on Deposits.

How likely would you be to recommend finder to a friend or colleague?

Thank you for your feedback.

Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.

Important information about this website

finder.com.au is one of Australia’s leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.

finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don’t cover every available product or service.

Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn’t a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you’re unsure about anything, seek professional advice before you apply for any product or commit to any plan.

Products marked as ‘Promoted’ or ‘Advertisement’ are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder’s decision to show a ‘promoted’ product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.

Where our site links to particular products or displays ‘Go to site’ buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money here.

When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.

We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.

Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.

Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider’s terms and conditions as well as their application and lending criteria.

Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.

What Does Travel Insurance Cover?

What Does Travel Insurance Cover?

So, what does travel insurance cover? That’s exactly what we’re here to discuss today. Here’s the very short answer:

Travel insurance covers lost money from canceled trips, emergency medical expenses, evacuation costs, baggage & delays, and 24/7 assistance.

This is a simple overview of the coverage you get with comprehensive travel insurance. The long answer is that your specific travel plan will dictate the coverage you get. For a more in-depth explanation you can read our complete guide to travel insurance coverage. Meanwhile, we’re going to explain the 5 things most travel insurance plans cover. Towards the end, we’ll recommend your next steps in securing the best possible travel insurance coverage.

Read Post  Can You Paraglide Anywhere? Here’s 4 Things to Look Out For!

So, What Does Travel Insurance Cover? 5 Common Coverages

We’re going to start by explaining what travel insurance covers. From canceled trips to medical emergencies, evacuations to delays – most of your concerns are covered by the insurance company you get your plan through. However, the degree of coverage you have is dictated by your specific plan – so read carefully when comparing travel insurance plans. Oh – and after we finish up this section, we’ll answer an equally important question: what does travel insurance not cover? First things first – let’s talk about trip cancellation coverage.

1. Cancelled Trips

This is the #1 concern with most travelers.

When planning a trip you pre-pay for many expenses like airline tickets, hotel rooms, cruise fare, Disney tickets, tour packages, and more.

If these expenses are pre-paid and non-refundable, you risk losing it if something goes wrong. Your child could get sick, a parent could pass away, a hurricane could strike. Any of these events could cause you to cancel your trip and lose all of that money.

What does travel insurance cover?- Child sick in bed with thermometer

If these expenses are pre-paid and non-refundable, you risk losing it if something goes wrong. Your child could get sick, a parent could pass away, a hurricane could strike. Any of these events could cause you to cancel your trip and lose all of that money.

Travel insurance reimburses your costs if you need to cancel for a covered reason

Trip Cancellation Coverage reimburses you for pre-paid, non-refundable expenses if you need to cancel your trip before you depart. Insurance companies provide a list of covered reasons for trip cancellation, but here is an overview of the most common reasons travelers need to cancel.

  • Sickness, injury, or death of you, a family member, or a traveling companion
  • Hurricane damages your destination or cancels your flight
  • Terrorist incident in your destination city
  • Laid off from work or required to work
  • Bankruptcy of your travel supplier
  • Called for jury duty

By far, the most common reason someone getting sick or a family member passing away. This is especially common now with the Covid-19 pandemic.

Note: There is also an optional upgrade called Cancel For Any Reason (CFAR) coverage, which will allow you to call off your trip for any reason, as long as you meet the plan criteria.

Trip Interruption Coverage is similar to cancellation coverage, but covers you while you are on your trip for the same list of covered reasons.

If something happens and you are required to return home, insurance will reimburse you for the lost portion of your trip…as well as any additional expenses to get back home.

2. Medical emergencies

This is crucial, and often overlooked.

Most people think they are covered for medical emergencies if they already have existing health care insurance. Within the United States, that will likely be true.

But when you travel abroad, your health insurance from home might not travel with you. Most providers do not provide coverage, and Medicare never covers you abroad.

Travel insurance covers medical emergencies abroad- woman in hospital bed

Would you feel comfortable having a family member risk inadequate medical care in a foreign country?

For cruises, your health insurance from home may not cover you if you’re traveling on a foreign-flagged ship (which includes most cruise ships).

Travel insurance covers emergency medical expenses

Medical Expense Coverage will cover you for accidents and emergency medical and dental care when you travel.

Even if your plan from home covers basic emergency care overseas, your current health insurance provider will almost certainly NOT pay to evacuate you and repatriate you back to the U.S.

3. Emergency evacuations

Medical emergencies can be scary, and the travel medical coverage explained above covers the medical costs.

But how do you get home? What if you need a special medical flight, or a rescue from a remote location?

Travel insurance covers emergency evacuations and medical transportation

Emergency Evacuation Coverage will pay for emergency evacuation expenses such as airlifts and medically equipped flights back home, and oftentimes will transport you to the hospital of your choice for care.

Travel insurance covers emergency medical evacuations, like helicopter med flights

Evacuation expenses can be devastating. An ambulance to the hospital, an airlift to a more adequate hospital, getting you back home on board a medically-staffed flight afterwards…evacuation expenses can easily cost $100,000.

4. Lost bags, delayed bags, delayed flights

These coverage are for the “smaller things” that are nice to have. Again, the list is not complete but it will give you an idea of some additional coverages.

Travel insurance covers lost baggage and flight delays

Baggage Coverage can reimburse you for your personal belongings if your luggage is lost, stolen or damaged not just on your flight, but on your entire trip.

Travel insurance covers lost, stolen, or damaged baggage

Baggage Delay Coverage provides money to buy essential items until your delayed bags arrive, such as a toiletry kit, a swimsuit, or another change of clothes.

Travel Delay Coverage provides reimbursement for additional expenses if your flight is delayed, such as an extra night in a hotel or a meal at a restaurant.

5. Phone assistance 24/7 worldwide

This is about having a ‘lifeline’ to call when something happens.

Medical emergencies, stolen baggage, lost passports, cancelled flights. Every travel insurance company provides 24/7 support for all of these needs.

This service is most important when you have a medical issue. It can be scary to have medical issues abroad where language and customs are completely different than at home.

24/7 Travel Assistance Services can help you:

  • Locate the nearest adequate hospital if needed
  • Organize medical transportation
  • Arrange for treatment and overcome any language barriers with translators
  • Organize transportation home
  • Replace prescriptions in an emergency

In addition, non-medical assistance may include:

  • Lost baggage search; stolen luggage replacement assistance
  • Lost passport/travel documents assistance
  • Travel information including visa/passport requirements
  • Emergency telephone interpretation assistance

Additional coverage with travel insurance

Travel insurance can also provides coverage for:

  • Life Insurance coverage for accidental death or dismemberment.
  • Hazardous Sports extends the medical coverage to cover activities like SCUBA.
  • Rental Car Collision replaces your personal insurance or the rental company policy.
  • Identity Theft provides services to help in the event of identity theft while traveling.

What does travel insurance NOT cover?

We’ve explained what travel insurance covers – but it is just as important to ask the question of what does travel insurance not cover? Like any insurance policy, travel insurance cannot cover “everything”, after all.

For cancellations, there is a list of covered reasons for cancellation. We recently wrote a complete guide on this topic. Anything not on this list would not be covered. The list of covered reasons for cancellation includes the most common events like sickness, an accident, death, hurricane, terrorism, house fire, jury duty, needing to work, and more.

For complete peace-of-mind, Cancel For Any Reason coverage is available to extend that coverage. As we just mentioned above, this is an upgrade worth considering.

Other exclusions include losses caused by drug use, suicide, professional sports, hazardous sports (like rock climbing), and more. Again, there is a list of excluded items that would not be covered.

What does travel medical insurance cover?

The coverage above related to comprehensive travel insurance. This is the most popular type of insurance travelers buy, because it covers all parts of their trip.

If you are not concerned with cancelled trips, baggage, or delays there is a type of plan called Travel Medical insurance. Travel Medical is just focused on the medical emergency coverage, and evacuation coverage.

Travel Medical only insurance is popular with expatriates, business travelers, or those going overseas for an extended trip. You can purchase it for a year at a time, and can be renewed for several years.

What does COVID travel insurance cover?

We’ve covered what travel insurance covers – and you know the five most common coverages now. However, we want to take the time to answer another common question we’ve been asked: what does COVID travel insurance cover? At the beginning of the pandemic, there was a lot of confusion about how trip insurance would cover Covid-related issues.

Most travel insurance companies treat Coronavirus like any other illness. This means it would cover if you get sick with Covid and need to cancel. It would also cover medical expenses if you get Covid abroad and need care.

It does not cover you if you are simply concerned about getting Covid. Many travelers thought a global pandemic would be a covered reason for cancellation, but this is excluded in many policies.

The best way to cover this concern would be a plan with the optional Cancel For Any Reason upgrade. This coverage extends your covered reasons for cancellation and would allow you to cancel the trip for Covid concerns.

What expenses does travel insurance cover?

Comprehensive travel insurance covers your pre-paid, non-refundable trip costs. Travelers buy travel insurance for $300 airline tickets, or for an African safari costing $70,000.

Insurable trip costs can include:

  • Airfare
  • Hotels
  • Cruises
  • Shore excursions
  • Tours
  • Event tickets
  • and any other pre-paid, non-refundable expense

Final Thoughts On What Travel Insurance Covers

As you can see, travel insurance covers most of the concerns travelers have. You’ll enjoy peace of mind by upgrading to cancel for any reason coverage, though. Here is a quick summary of the different things travel insurance covers:

  • Canceled trips
  • Medical emergencies along your trip
  • Emergency evacuations
  • Lost bags and travel delays
  • Phone assistance

The company you ultimately end up choosing and your specific insurance plan will dictate the degree of coverage you have in these different areas. It is important to do ample research to make sure you actually have the coverage you want – and for the best price. Looking for a recommendation? We compiled a guide of the best travel insurance plans of 2022 for you.

Looking to learn more about trip insurance? Here are some of the most important related articles we’ve written. These resources will help you get the best bang for your buck with trip insurance and ensure you’ve covered all your bases:

Source https://www.finder.com.au/travel-insurance-paragliding

Source https://www.finder.com.au/travel-insurance-paragliding

Source https://covertrip.com/travel-insurance-coverage/what-does-travel-insurance-cover

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