Things you need to know regarding extreme sports insurances
Travel insurance plans leave you unprotected!
A lot of us enjoy doing extreme sports and the best time to try out something new and exciting or spend time enjoying a favorite sport is during the vacations! Travel providers draw us with exciting assurances: Rock climbing, sky diving, perfect alpine ski slopes Bungee jumping, and scuba diving that all is tons of fun, excitements and potentially a source of future troubles. In many of those cases you are totally not protected throughout your indemnity at all! Let us dig deeper today into extreme sport insurances available!
UNDERSTAND HOW RISKY YOUR FAVOURITE SPORT IS
The diversity of sports people are engage in nowadays is vast: everything from base jumping to chess is considered as “sports”. For a number of insurers, sports fall into four general risk levels. Sports from level number 2 are often well thought-out as extreme sports. So if you are a passionate skier, an amateur rock climber or an adrenalin junkie enjoying skydiving at least once a month, you should believe looking deeper into extreme sport protection.
Level 1 consist of low risk sports: i.e. aerobics, volleyball, skating, water polo, football, baseball, basketball, cricket, golf, tennis, badminton, archery etc.
Level 2 sports involve more mobility and are therefore more risks: Adventure racing, paintball, canoeing, swimming, rugby, alpine skiing, scuba diving, kayaking and gymnastics.
Level 3 sports are the ones with an element of action and violence: Wrestling, boxing, hockey, bungee jumping, rock climbing, horseback riding, martial arts, motor sports, mountain biking, mountaineering, water rafting and water skiing
Level 4 involves most risky sports: Hang gliding, parachuting, paramotoring and skydiving.
Do you rely on standard travel insurance?
Sports related injuries occurring during the vacations can be at times covered under the travel medical insurance policy but most of the time they are not. So if you want to solely rely on your existing policy, make sure that you read carefully all the term and conditions or simply consult the insurance hotline. Frequently insurance companies offer supplementary protection for accidents related with extreme sports. Keep in mind the consequences of sport injuries can add up to thousand of dollars while you are treated in a foreign country.
Be clear on how professional is your sports engagement:
There are many different ways you can connect in sports. And your insurance might still be covering your leisure, skiing in Mont-Tremblant, Quebec; it will very possibly not pay for any medical expenses connected with injuries from Thai boxing fights or professional rock climbing contests. The basic rule should be: in case you do something, not for leisure only, but it has any hint of skilled activity or a competition, get a separate sport protection for yourself.
The dedicated extreme sports insurance:
There is an appropriate protection for all intense sport enthusiasts. Often you can get an extra piece of protection, the so called rider on your policy that covers your dangerous sports hobby. These kinds of insurances can cost you less than $100 for a month but can help you save a lot of headaches in future. However, the main objective of this article is not to compel you to stay at home but make clear to you that what protection you might need to enjoy your favorite sports while covering all your bases.