If the perfect holiday for you does not involve sunbathing on a pristine beach, but outdoor adventure activities of different types, then you should definitely get adventure insurance. No matter whether you like hot air ballooning or rock climbing, you need to make sure that you will get a policy that will give you the utmost benefit at the most affordable price. Use the following tips to get the best policy for your needs.
1) Check what your standard travel insurance policy covers you for.
Many insurers offer coverage for hazardous activities in their main packages, including single trip, multi trip and student travel products. Some commonly included activities are trekking, kayaking, water skiing, bungee jumping, abseiling and zorbing. Even though some restrictions may be applicable to these activities, you may not need to buy extra coverage, if you plan to restrict your adventure to them.
On the other hand, your emergency medical assistance coverage may be subject to some restrictions as well. You may not be eligible to make a claim, if you suffer an injury during an ATV snowmobile trip. That is why you have to have a clear idea on what you are covered for and what you are not covered. More importantly, you should know what hazardous activities you will enjoy during your trip and the risks involved.
2) Look for extra adventure insurance covers from the insurer you have a standard policy from.
This is an effective way to get sufficient adventure insurance coverage at an affordable price. You do not have to buy a separate policy that may cost you more. Additionally, you may be eligible to discounts.
Make sure the adventure activities you will enjoy are included in the extra cover you buy.
Often travelers buy adventure insurance cover without reading the full list of hazardous activities cover. You should definitely avoid making this mistake as it can cost you dearly. Most insurers offering these kinds of coverage have full list of the activities they cover on their web sites. Check the list carefully before buying a policy. Look for subtle differences. For instance, you may be insured when scuba diving to 18 meters under sea level and not when scuba diving 30 to 40 meters under sea level.
3) Buy a separate comprehensive adventure insurance policy for adventure travel trips.
This may be the better option, if you are going on a mountain climbing or a hot air ballooning trip. You will get to buy more special coverage and you will have the peace of mind that you are fully protected. Such a special policy may be costlier, so it is important for you to plan every aspect of the trip and the coverage in advance.
4) Shop around for the best deal, if you opt for a separate policy.
This is the best way to find adventure insurance policies with low rates. All you have to do is to collect a number of quotes from different insurance companies and compare the covers as well as their prices. You do not have to collect quotes from agencies brokerages. You can readily get online quotes easily, quickly and conveniently.
5) Check whether you can exclude some activities from the policy to save money.
This is another great option for saving money. You should not hesitate to ask whether you can save by dropping some hazardous activities from the adventure insurance coverage. For instance, if you will be doing only sky diving, there is no point in getting coverage for camel riding.
6) Buy as much coverage as you will need.
It is essential for you to buy as much medical adventure insurance coverage as possible, as accidents do happen even if you follow all health tips. A treatment in any part of the world can cost you dearly. On the other hand, there is no point in covering any adventure activity equipment for slightly more than it is actually worth. You can use this trade off to get the perfect coverage balance that is beneficial and saves you money.
You can readily choose the best adventure insurance policy for you. Remember to check what is present in your standard travel insurance policy and what activities you will be enjoying are excluded from it. Use a number of different ways to save on your cover, but buy a sufficient amount of coverage for optimal protection.