When it comes to annual travel insurance, it can be tailored to cover many additional things such as extra cover for skiing trips or for going on a cruise for example. However, what about those activities that are more extreme, can they be covered too? Extreme sports and other riskier activities are becoming more popular than ever before, such as parasailing or bungee jumping, and for these types of activities you will need to get an activity pack added to your policy. These types of add-ons are ideal if you need to cover dangerous or hazardous activities that you may want to take part in whilst on vacation.
What type of activities can be covered?
Almost all dangerous or potentially hazardous activities can be covered by the addition of extra insurance cover. Activities such as abseiling, adventure racing, hot-air ballooning, climbing, hiking, dog sledding, hang gliding, caving, sailing, mountain biking and parachuting are just some that can be covered but there are hundreds more.
Make sure you get the right coverage
Although these activity packs are a useful addition to your travel insurance policy, not every insurance policy has them, so you should check the wording on your chosen policy before you sign up for it. In addition to which, some travel insurance policies have different packs for different activities, so you will need to double check everything is in order before you sign.
Make sure you’re honest with regards to medical conditions
Due to some medical conditions preventing you from being able to take part in certain high-risk activities, you may also find they will preclude you from adding the extra insurance cover to your policy. So, if you were to go ahead and take part in a dangerous activity in spite of your medical condition, and something went wrong, then you may not have enough insurance to cover your medical bills.
The bottom line
Dangerous sports and other hazardous activities can make for a great vacation, but it is doubly important you have the right level of travel insurance before you leave home, otherwise you could find that your holiday of a lifetime becomes the stuff of nightmares.