Outdoor insurance and adventure holidays go hand in hand. A holiday filled with adventure and sporting activities can be extremely rejuvenating. However, the risks associated with such holidays are higher than with other vacation ideas. Sports like sky diving, river rafting, scuba diving, skiing, trekking, camping, hiking, safari or snow boarding are prone to accidents. Unfortunate incidences during adventure and sports holidays can burn a hole in your pocket. Outdoor insurance can not only arrange for immediate medical attention, but can also ease the financial burden.
Activities Covered by Outdoor Insurance
Before you purchase any outdoor insurance, it is important to determine the sports or adventure activities that are covered. If you meet with an accident while enjoying a sport that the policy does not cover, you will have to suffer more than the physical damage. The activities that are typically covered by outdoor insurance are:
-
Abseiling
-
Camel / elephant riding or trekking
-
Canyoning
-
Cycle touring
-
Flying that includes piloting small aircraft or choppers
-
Gliding
-
Go karting
-
Hang-gliding
-
High diving
-
Hiking
-
Horse riding
-
Hot-air ballooning
-
Jet boating
-
Kayaking
-
Mountain biking
-
Parachuting
-
Paragliding
-
Parasailing
-
Rock climbing
-
Rock scrambling
-
Sand yachting
-
Scuba diving
-
Sea canoeing
-
Sky diving
-
Trekking
-
White/Black water rafting
-
Yachting
Additional Elements of Outdoor Insurance
A comprehensive outdoor insurance may include the following covers:
-
Trip cancellation due to injury or death. Outdoor insurance covers you for losses arising from the cancellation of a trip. Many insurance policies cover you for natural disasters as well as vehicle breakdown.
-
Damage to or loss of personal items. This may have a low limit to the value of the personal items. In case of delayed baggage, outdoor insurance provides you some cash to buy or hire essential items.
The risk of accidents, lost belongings and unforeseen expenses is higher when you are outdoors. Therefore, outdoor insurance may be a little more expensive than a regular travel insurance policy. However, the peace of mind that it fetches may be worth the investment.