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Which are the best travel insurance plans to buy for adventure sports abroad?

Adventure Sports coverage in travel insurance policies may not be automatically included in standard plans. Some insurance companies offer Adventure Sports Coverage as an inclusion under the Accident & Sickness cover, whereas some other insurers offer optional add-ons specifically tailored for adventure enthusiasts. Adventure sports coverage typically pays for medical expenses, medical evacuation, and possibly accidental death or dismemberment related to adventure activities. Examples of adventure sports include bungee jumping, skydiving, snowboarding, scuba diving, and mountain climbing to name a few. When looking for travel insurance in India that covers adventure sports abroad, it’s important to choose a plan that specifically includes coverage for high-risk activities.

When looking for travel insurance in India to cover adventure sports abroad, consider the following key aspects to ensure you choose the right policy:

Coverage for Adventure Sports

• Activity Inclusion: Look for policies that specifically mention coverage for high-risk activities such as trekking, skiing, scuba diving, rock climbing, paragliding, and other adventure sports.
• Define Adventure Activities: Make sure the policy clearly defines which activities are covered, as some insurers may have exclusions or additional requirements. The Terms & Conditions (Policy Wordings) of the respective insurance companies clearly list down the activities that are covered under the scope of this coverage.
• Medical Coverage: Review the T&Cs to understand what is covered in this section…most companies cover the following:
  • Emergency Medical Expenses: Comprehensive Medical coverage for emergencies, including hospitalization and treatment costs if injured while participating in Adventure Sports
  • Medical Evacuation: Coverage for medical evacuation in case of serious injuries that require the insured to be transported to a medical facility for emergency and immediate treatment.

Customizable Plans

• Tailored Options: Look for insurance providers that allow you to customize your plan to include specific adventure activities or additional coverage as needed.
• Add-Ons: If the basic/standard plan does not cover Adventure Sports, the insured may opt for add-ons for enhanced coverage specific to Adventure Sports, which can be beneficial for adventure travelers.
• 24/7 Assistance: Choose a provider that offers round-the-clock customer support, as emergencies can happen at any time. All insurance policy copies carry the contact details of the Overseas Assistance Partner to be contacted for any claims and assistance.
• Claim Process: Understand the claims process, including documentation required and how to file a claim while abroad. Keep the document handy to submit along with the claims form.

By considering these factors, you can find a travel insurance plan that provides the necessary protection for your adventure sports activities abroad, ensuring peace of mind during your travels. If you have specific questions about the policy or coverage, don’t hesitate to reach out to EIndia’s Customer Service for clarification by call to +91-(80)-41101026 or WhatsApp +91-9900260206.