Risk travelers: These adventure activities are not covered with insurance
propagandaThe holidays are usually an opportunity for Try a new sport Or practice a favorite hobby in a new and exciting environment. Dive with the tube, camping, and walking for long distances are some of the most popular activities that are not believed to be travelers twice before the pledge.
But travel insurance companies warn against not including many joint adventure activities Standard insurance policiesWho leaves travelers Risk Both financial and security. Here, according to one of the expert, the sport that leads to the most common claims and the most extreme activities that cover their insurance policies.
Travelers risk high medical invoices if they participate in activities without insurance
Terra Baikal, Marketing Director of Travel Insurance Company in the world, states this Insurance policies Standard can have exceptions to sports or activities, regardless of the low risk of travelers.
“There may be exceptions to participate in activities such as hiking or camping over certain altitudes, given the underlying risks,” he says. “The same applies to activities such as Submarine Below is a specific depth. “
If you participate in the activities that you were not believing for, the potential problems that may arise include above all Medical accidents, such as injuries. “When they happen, travelers are at risk of pushing high hospital bills and lacking coverage that helps them overcome continuation,” Baycal explains.
“The same applies to the absence of Emergency evacuation coverage. If the traveler’s injury or its accident is serious enough to require evacuation services, then the pocket expenses tend to be very high and can be devastating from the financial point of view, In addition to material damage It is already caused by the same accident. “
What do you do if you do not include an activity you want to try in your policy
It is not uncommon to be outside and want to automatically participate in a Unnamed activity in your insurance plan. In this case, travelers must verify whether they can rent a new insurance or change their plan while they leave.
World Nomads allows travelers to employ a policy even if they are already in their destination, however The coverage is not immediate. “However, it is important to keep in mind that it is possible to apply the short periods, so the travelers should be aware of it and plan accordingly,” says Baikal.
For those who are searching Travel insurance plan From one trip with World Nomads, the benefits enter into force at 12:01 am the day following the purchase of policy, and World Nomads has received payment. “Waiting periods can vary between different insurance companies and plans.
What activities lead to more travel insurance claims?
In general, if you have any questions about participating in a sport or Activity abroadEven very common, you must check your policy. In some destinations, risk activities are inevitable or part of the flight experience.
For example, according to World Nomads, ** Moto is one of the activities that lead to more insurance claims, but in places like Thailand and Indonesia It is the main means of transportation. “Another of the activities that cause more villain is Walking long distances at a great height“It causes evil in height,” says Baikal. Among the destinations in which this type of events usually occurs Peru and Nepal“.
What are the most extreme activities covered by travel insurance?
If you are considering exercising, you need full risk insurance. Inside the epic plan in the world, travelers are covered for walking Ice rivers and ice climbingBoth reach 8000 meters.
Both with him Epic as Explorer planTravelers can try diving in caves up to 50 meters, free diving up to 60 meters, bulls, delta wing, Paratrooper and dive into the slopes.
