Life of Adventure

David Collins asked:


Extreme sports holidays have become popular with those who are looking to experience an adrenaline rush during their holidays. And with a wide variety of different sports to cater for all tastes – from rock climbing and white water rafting to hang gliding and mountain biking – as well as a wide range of terrains on which to explore, there’s something for everyone.

However, such exhilaration could turn out to be expensive unless you are prepared for any emergencies. Because of this, it is important to arrange some insurance before you travel, if not to put your mind at ease before you take the plunge or to the skies.

Indeed, travel insurance can be a very useful element to pack as part of your trip, whether you’re heading abroad to participate in extreme sports or are embarking on a backpacking excursion. Some of the most common factors that are covered by policies are:

Flight cancellations Delayed departure or baggage Medical expenses – these can vary depending on your country of visit Repatriation as a result of an injury Theft or damage to personal possessions – including any travel documentation Legal assistance Rental car excess and personal liability

This can help to cover you in case of emergencies, but cover can differ depending on the circumstances, so it’s important to check all details of your policy before you travel. There are several factors which will affect the cost of your policy, so it’s best to make your insurer aware of these from the start, including:

Participation in high-risk activities or sports Pre-existing medical conditions such as diabetes or asthma Travel to countries that are considered ‘high-risk’

There are many different travel insurance policies available, each offering varying levels of cover against a range of circumstances, and can be tailored to your travel plans. Backpackers and overseas workers often take out annual travel insurance for the duration of their excursions as it usually works out cheaper than purchasing separate policies for each leg of your trip.

Having an insurance policy in place before you travel can come in handy should you run into difficulties during your trip, and combined with other plans – such as the European Health Insurance Card (EHIC) – can help to put your mind at ease and allow you the chance to enjoy your holidays just that little bit more.

James William asked:


It becomes quite boring going to the same old places where you shop till you drop; see cars end to end and high-rise buildings in the name of a holiday. Adventure travel is nowadays being taken up many people as they want to experience life on the risky side. But dare not think of that without holiday insurance for outdoor adventure travel.

When it comes to adventure, many different things can come to your mind as per your risk-taking capacity like parasailing, paragliding, bungee jumping, rock climbing, trekking, white water rafting, etc. but as we enumerate these activities, we also realise that they actually involve a lot of risk and we can even end up in a hospital in a foreign land if a mishap happens. So it is better that the traveller buys himself holiday insurance for his outdoor adventure travel.

All risks involved in adventure travel are covered with this insurance plan. Any medical urgencies arising in these adventures are also covered. Hospital charges are all reimbursed to the traveller which he spends in such a situation. Also, any loss of baggage or documents is also under the coverage of this holiday insurance plan.

Since high risk is involved in these adventure trails, the premium for these insurance plans is also higher. But with the help of in-depth research for a good policy, the travellers can get low premium plans. These can be obtained by comparison and do not cause a burden for the traveller as well. Extra premium helps in getting extra privileges like more sports at no extra costs etc.

For outdoor adventure travel, it is best to avail holiday insurance to safeguard yourself and your finances. This will help the travellers taking the risk have a mental satisfaction about their expenses.