Compare Extreme Sports Travel Insurance
If you look up extreme in the dictionary, you’ll find words like extraordinary, ultimate or severe. You might not consider the activities you undertake to be any of those words. Would you say bungee jumping is extreme? You may not think so. We may not think so. Doesn’t matter – but your travel insurance provider probably will!
If you’re an adrenalin junkie or simply going on an active holiday, you might need to check your travel insurance thoroughly. It may be that you need some extra cover to give you the protection you need.
In insurance terms, when is a sport an extreme sport?
Each insurance provider has their own terms and will have different classifications for which sports are classed as extreme. So it’s important to check your cover details before you purchase your insurance.
Most of us would probably agree that free diving, base jumping or hang-gliding are probably risky - relatively speaking! However, you might not think of swimming with dolphins, horse riding, or a ride on an inflatable banana off the beach as such. Unfortunately, you may be surprised at the sort of activities that a travel insurance provider finds dangerous. The only way to be sure you have cover for the activities that you plan to partake in is to check your policy. It will list all the activities included and importantly those excluded from the cover. If your sport isn’t listed, you need to ask your insurance provider.
What if I don’t know what activities I’ll be doing yet?
Sure, you can check the details of things you know you’ll be doing on holiday, but many of us do something spontaneous while we’re away and if so you might want to check that you’re still covered while participating. The easiest thing to do is to stick the policy document in your hand luggage. That way you can check while you’re away. If it’s not covered and you want it covered – give your insurance provider a quick ring.
Is my activity covered in my travel insurance?
Some insurance providers won’t cover the most extreme sports. For that you might need to find a specialist insurance provider to get the cover that you want. Check your cover documents before you purchase to see a full list of what’s covered
Does insurance come with the travel operator?
If you buy your travel insurance through your travel provider, they are duty bound to offer you a policy which is appropriate for the holiday you’re going on. This is particularly useful for activity type holidays but probably less so in a beach scenario. Just make sure you double check the details.
Does my insurance cover skiing and snowboarding?
You’ll find many travel insurance providers offer winter sports cover to cover skiing and snowboarding. However, be aware that not all skiing is skiing! What does that mean? Well, standard cover may be fine for the slopes but if you intend to go off-piste, check your cover as you may find that it’s excluded.
Do I need travel insurance if I have an EHIC card?
A European Health Insurance Card (EHIC) entitles you to get medical treatment on the same basis (maybe free or at a low cost) as local people in countries within the EU. This means it will be in a public rather than a private hospital. That much may be fine, but an EHIC isn’t a substitute for travel cover. For a start it wouldn’t get you home or cover other costs linked to your medical emergency.
Of course, an EHIC can’t be used if your bags are stolen or your flights are cancelled. We’d suggest while an EHIC is nice to have, comprehensive travel insurance is still a really good idea.
Can I get extreme sports travel insurance if I have a health condition?
To an insurance provider, if you have a health condition it could mean you‘re more likely to need medical help while you’re away on your trip. Because of this, some conditions might make your insurance more expensive but this isn’t always the case with all conditions.
It’s important that you notify your insurance provider of any medical conditions and give them all the information they need because, if not, you might find that your policy won’t provide the cover you need. If your insurance provider discovers that the medical emergency on your trip was linked to a condition or injury you already had, they could refuse to pay your bills.
Where can I get extreme sports travel insurance?
Well you’re in the right place to start comparing policies. Our comparison service makes that really simple. Just give us a few details of the trip and we’ll send you all the quotes that match. As we said at the outset, check the policy cover carefully for your sports and make sure they’re included. If they aren’t, you may need to call the insurance provider to have the policy extended to cover you. Enjoy your trip and stay safe.