Are You Planning a BASE Jump or Just Dreaming About it? Travel insurance policies that explicitly cover this high-risk activity provide comprehensive benefits and should be your go-to support system for an adventure like this one.
Davidson presents her advice as more of an engaging dramatisation than medical documentation, yet its message remains undiminished.
1. Travel Insurance Coverage
No matter your level of adventure, having travel insurance coverage that meets your needs is essential to ensure a safe journey. As outdoor recreation and luxury travel become more and more popular, more people are seeking out exotic destinations to engage in outdoor recreation activities like mountain climbing, scuba diving, backpacking, kayaking and skiing - but unexpected circumstances may arise during any excursion regardless of experience level - injuries, accidents and mishaps may incur medical evacuation expenses which require evacuation procedures to resolve.
Most basic travel insurance policies do not cover high-risk activities like bungee jumping, so it is vital to find a plan that does. Some adventure travel companies provide extra coverage for thrillseekers looking to take the leap with confidence. Depending on which policy you purchase, additional protection may also be available for mountain biking or skydiving activities.
Accidents or injuries sustained while participating in adventure sports can be costly to treat and sometimes necessitate evacuation, making the purchase of additional coverage worth its weight in gold. And it's not just foreign trips that benefit from having adventure sport insurance: many domestic adventure sports enthusiasts also understand its worthiness as a worthwhile investment.
Some travel insurance policies exclude certain activities if they are undertaken professionally, such as marathons and races in which participants receive pay (and possibly financial rewards) to participate. Any injuries sustained during such competitions would likely not be covered by travel insurance policies.
Though it may not be pleasant, it's wise to plan for all possible scenarios when traveling. Although 99% of trips turn out perfectly, it is prudent to be prepared just in case something unexpected arises and a good travel insurance policy can offer peace of mind so you can focus on enjoying your adventure rather than worrying about potential issues that could arise during it.
2. Medical Coverage
Adventure travel involves taking risks. Hiking in the jungle, whitewater rafting or bungee jumping all carry inherent dangers which could leave you facing costly medical expenses and additional travel insurance can provide peace of mind while experiencing other parts of the world.
This site for travel insurance provides more than just protection from unexpected expenses; it can also save your trip should something go wrong. Being able to cancel or purchase replacement flights and accommodation gives peace of mind so you can focus on getting back on track quickly.
Finding an emergency medical plan with high limits of both emergency medical coverage and medical evacuation coverage, to cover any unanticipated expenses. You should also look for policies which cover preexisting conditions as well as provide 24/7 emergency assistance.
World Nomads and iTravelInsured offer an adventure pack add-on for $49 that provides up to $50,000 emergency medical coverage and up to $500,000 medical evacuation coverage; some companies such as Tin Leg also provide adventure sports coverage as an optional add-on.
Some may assume travel insurance is unnecessary if they're young and healthy, but accidents happen regardless of age or fitness level - injuries and illnesses may arise at any age, and more costly treatment could ensue when in another country.
Many health insurers don't cover medical care outside of the US or offer limited coverage. This site can help you with al information about health insurers ! Medical evacuation and repatriation coverage abroad can be more costly than returning home for treatment; should an accident happen in remote location, private jet costs might exceed your means. That's why having good travel medical coverage is so essential when making plans to explore. Furthermore, visa requirements often stipulate proof of medical coverage; our Atlas Travel plan meets this criteria for most Schengen visas.
3. Emergency Travel Assistance
Travel assistance services provided through many travel insurance plans can be an invaluable asset for travelers in times of trouble, from small inconveniences such as lost luggage to larger problems like getting to know a new city or country. These 24/7 assistance services offer travelers valuable support during difficult situations.
Emergency travel assistance services included with travel insurance can be used to address various problems that travelers might encounter on their trip, including finding local transportation and doctors/hospitals/pharmacies that accept American health insurance plans. Furthermore, these services can assist travelers in overcoming language barriers as well as finding resources to make their trip even more enjoyable.
One of the most valuable travel assistance services that policyholders have access to is medical evacuation, which can provide vital relief if an injured or sick traveler needs transferring to a more suitable hospital, or paying for their return home if they become too unwell to travel back on their own.
Travelers must make sure that their travel insurance plan includes this important feature, as medical costs abroad can quickly add up. Atlas Travel offers various emergency medical benefits that are not subject to deductible or coinsurance payments - meaning no out-of-pocket expenses for eligible expenses up to the maximums set in your plan.
Some travel insurance plans provide 24-hour customer support teams, which are invaluable when traveling abroad in situations like natural disasters or civil unrest. Should an evacuation need arise while abroad, staff at travel assistance hotlines can coordinate emergency evacuations so you can quickly leave.
Be mindful of the fact that not all travel assistance services offer equal coverage; check a policy's list of amenities to see if they meet your travel needs and make sense for your adventure. Some plans might only offer assistance for specific activities like lost baggage retrieval or ID theft resolution services.
4. Trip Cancellation
An effective travel insurance policy should cover your prepaid, nonrefundable trip costs as well as reimburse for cancellation expenses. Usually this coverage extends to airfare, accommodations, tours and excursions but be sure to read your specific policy's fine print to make sure adventurous activities such as hikes are covered!
Digit's Adventure Pack add-on covers activities up to $5,000 per trip; but make sure that specific activities are covered as they may be excluded in some policies. Furthermore, read through any policy's General Exclusion Section prior to purchasing it.
Some insurers also offer an optional trip cancellation add-on called "cancel for any reason." This covers up to 70% of your nonrefundable trip costs without needing a valid reason for canceling, though at an increased price and meeting certain criteria to receive reimbursement - such as natural disaster, illness or injury to yourself or an insured family member, work obligations, unexpected death of close relatives, insolvency of travel suppliers such as tour operators cruise line or airline etc.
No matter the adventure you have planned - whether bungee jumping or ziplining high into the sky - travel insurance is here to help you take it with confidence and enjoy every moment of your travel experience more fully. Becoming financially protected before you travel is an invaluable investment that may prove more cost-effective than you realize, especially when considering the potential financial repercussions of having to rebook or lose deposits for adventure activities. Visit World Nomads or InsureMyTrip travel insurance websites for more information, as they offer various policies that can assist in matching up with your individual travel situation. Often insurers also provide free-look periods during which if your mind changes you can cancel within a specific amount of time and get your money back if that occurs.