Many travelers take the opportunity for adventure and participate in sports when travelling. While sometimes these activities are planned, they are often a last-minute decision. Unfortunately, many travelers fail to realize that their travel insurance does not cover certain activities.
This exposes them to severe financial consequences if they are injured.
While certain activities are covered by medical travel insurance, making a complete list of them is difficult. Circumstances also play a key role in determining whether an activity is covered. Are you swimming in a pool or in the sea with sharks? Although both involve swimming, the risk is clearly not the same. The insurance provider will adjust the premium based on risks.
In general, the following sports are covered if they are practiced in normal situations:
Since this is conventional travel insurance, it covers the usual items (medical, trip cancellation, luggage, etc.).
However, athletic travelers will be interested to learn that the following fees may also be covered:
If you are not insured for the sport you were playing when injured, the insurer may deny your claim. You would then have to pay your fees out of pocket (e.g., hospitalization, medication, ambulance, and treatment fees).
Given that in the US, the cost of treatment for a broken leg is about $7,500 and a three-day hospital stay can cost almost $30,000, the importance of being properly insured around the world is well understood.
Inform yourself before leaving on your trip. Prepare a list of athletic activities that interest you, and call us to check which are covered and which will require a sports endorsement.
Marco was surfing in Costa Rica when he was wiped out; his board struck him in the face, causing a wide-open facial wound and fractured nose. The clinic in the small town he was staying in didn’t have appropriate treatment facilities, so he was airlifted to a nearby city for emergency medical treatment. Marco underwent facial surgery and further treatment, then was later discharged.
|Air ambulance fees||$142,351.68|
|Amount paid by the insurance company||$166,303.53|
To meet the needs relating to more extreme activities, we now offer coverage specially designed for these athletic travelers. For individual and team sports, for pleasure or competition, amateurs or professionals you are covered.
Since this is an add-on to your travel insurance policy, you will also be covered for other medical emergencies.
HOW MUCH DOES IT COST?
The premium depends on the following factors:
To determine which category of sports your sports activity falls into, call now to speak to one of our certified agents and he will be able to advise you according to your needs.
EXAMPLE OF COVERED SPORTS
If your sport is not on this list or on this page, please contact us. As travel insurance brokers, we are able to find the sports travel insurance that is best for you and your team. If you’re planning on doing sports on your next trip, don’t take the risk. This only costs a few dollars and ensures that you are properly covered if you are injured.