Travel Insurance for the Adventure Travellers
If your idea of travel has nothing to do with a tour or even self guided traditional travel, but instead is a vision of backpacking around the world, there are travel insurance policies just for you. When the travel plan includes partaking in rigorous activities such as mountain climbing and winter sports in foreign lands, there are forms of travel insurance that are designed specifically for you and your kind of travel.
There are policies that offer coverage that is specially designed for adventurous independent travellers who eschew hotel reservations for casting their fate to the winds and hoping there is a hotel in the next town, or who use trains for sleeping as well as transportation. This form of travel insurance acts to help the independent traveller when troubles arise during the course of a self guided trip. The coverage, of course, includes emergency medical expenses in foreign countries for both illness and accident that arise during the travel period. Another covered feature is evacuation, or the return home via private plane for treatment. in the event of emergencies and.
Just like conventional travel insurance, lost luggage is covered by these types of policies but the coverage also extends to cover laptops, digital cameras and iPods. This feature is especially advised when the traveller intends to stay in hostels, camp grounds and other informal residences during the trip.
The coverage of adventure sports is an important feature in this type of policy. Specifically sking and snowboarding are covered when on-piste, or prepared and authorized ski runs, and terrain-park skiing is also covered. However, your ski equipment (board, boots, and bindings etc) is not covered while in use, However, all forms of equipment are covered for accidental damage while in transit when placed in the vehicular storage bin or in your locked, private room. Other covered activities include parachuting, parasailing, bungee jumping and white water rafting in locations around the world.
What is not generally covered by these policies are illnesses arising during the trip from medical condidtions that were present before the time of travel. The medical coverage will also not extend to sexually transmitted diseases aquired during travel, which are, after all, preventable in most cases. Coverage will not apply if the traveller deliberately puts his or her life in danger, so running with the bulls in Pamplona is not a covered activity. Also injuries or illnesss that result from alcohol or drug use are excluded from the policy.
by Sally.Anderson 19 years ago