Risk Adventure: Why your travel insurance can decide everything!

Risk Adventure: Why your travel insurance can decide everything!

Travelers seeking adventure in their leisure time should be aware that popular activities such as snorkeling, camping and hiking are often not covered by standard insurance policies. According to European Circle, many standard insurance policies are inadequate when it comes to covering such adventure activities. Without proper insurance, travelers can face high medical bills in the event of an accident, which poses a serious risk, especially in the event of a medical emergency.

These policies often contain exclusions for certain sports or activities. For example, hiking or camping above certain altitudes or diving below certain depths may not be covered. In such cases, travelers risk suddenly having to pay high hospital costs. The lack of emergency evacuation coverage can also result in significant financial burdens when emergency services are needed. Therefore, experts advise checking your insurance carefully, especially if you plan to participate in activities that are not covered.

Customizations and options for travelers

A positive signal for travelers: With providers like World Nomads, they can also take out new insurance on site. However, you should note that there may be waiting times that vary depending on the provider and the plan you choose. This flexibility is important, especially for travelers who want to spontaneously decide to try a new sport.

Experts also emphasize that motorcycling leads to a high number of insurance claims, especially in countries such as Thailand and Indonesia. Trekking at high altitudes also carries risks, such as the risk of altitude sickness, and is common in countries such as Peru and Nepal. Sports such as glacier walking, ice climbing, cave diving, free diving, bull riding, slope gliding and skydiving are covered by specialist travel insurance, while providers such as World Nomads offer comprehensive policies for such extreme sports.

Important information about international health insurance

The role of international health insurance cannot be overstated, especially for trips that include sporting activities. These insurances cover the costs of medical treatment, hospital stays and medicines in the event of injuries. This is particularly important in countries with high medical costs. You should therefore take out international health insurance before you travel and carefully check the services to be covered.

Many insurance companies now also offer cover for extreme sports such as bungee jumping, rafting and freediving. Before taking out insurance, it is advisable to read the contract conditions carefully and make sure that sports injuries are also covered. Providers like DKV even offer special tariffs that offer coverage for active holidays for up to 12 months. It is also worth noting that general statutory accident insurance only covers work-related accidents, which is why private accident insurance is important to cover leisure-time accidents.

In summary, investing in travel insurance that covers sports-related incidents is essential for travelers seeking adventure. An online comparison calculator can help you find the right insurance for your sports holiday. If you choose the right insurance, nothing stands in the way of a worry-free holiday experience.