Adventure travel insurance – check your activities are covered

With more and more people choosing to go on adventure holidays or participate in an activity while on holiday, many travellers are failing to get the correct level of cover on their travel insurance policies to cover the activities they are intending to partake in.

Most travel insurance companies will have a standard list of activities that they provide cover for, but this can sometimes be limited to more traditional activities. With the growth of new and previously unknown activities, travellers may find that after making a claim they do not actually have cover for their chosen activity. 24/7 travel insurance covers 70 activities as standard!

Activities such as bungee jumping, quad biking and paragliding are just a few activities that are increasing in popularity but may not be included on standard insurance policies. The insurance company AXA has said that: “It has to constantly increase its level of cover to take these new activities into account, but that many insurers would not provide automatic cover for travellers.”*

* Source – Travel Insurance Guide (2009)

If you have an accident abroad then the medical costs can be enormous, therefore essential to get the correct level of cover. Unforeseen events can lead to health related emergencies no matter where in the world you are. Without adequate travel insurance, travellers are liable to cover all relevant medical and repatriation costs themselves.

Example repatriation costs: **
Air ambulance from the East coast of USA – £30-35,000
Scheduled flight from the Mediterranean – £3,000-£4,500
Scheduled flight from Australia – £8,500

** Source – Cultural Cube (July 09)

Repatriation is expensive and at a time when the number one priority is to get home, you do not want to be stranded in a far flung destination wondering why you didn’t get the travel insurance cover before you left, so check out 24/7 travel insurance for an instant online quote!

Those who travel abroad to take part in any activities should definitely look at their insurance policy wording to make sure that they are covered. You may be surprised by what is not covered, and if you have an accident whilst taking part in a sport or activity for which you are not insured then the results could be devastating.

Whilst a valid European Health Insurance Card (EHIC), does provide access to reduced-cost medical treatment in Europe, it may not provide all the cover that may be required.

Adventure travel insurance is a must!Don’t forget to take out travel insurance before you leave home, just in case you have an accident or fall ill on your travels. Please ensure you check the policy wording to make sure you have cover for your chosen activity. 24/7 travel insurance offers great value cover and automatically covers 70 activities! A 7-day trip to Europe costs only £8.50† – a small price to pay for peace of mind to really enjoy your adventure holiday!

Premium £8.50 includes Insurance Premium Tax; based on an individual traveller aged under 55 taking out a Standard single-trip policy for 7 days in Europe excluding personal possessions cover and purchased within 14 days of departure date. Cover details and prices are correct at time of going to press (October 2009) and are subject to change.