Five Reasons Why Adventure Holidays Scream For Travel Insurance
Posted on | December 30, 2009 | 9 Comments
It is a good idea to purchase travel insurance before you embark on any holiday. Even if your plans are relatively safe such as driving in the countryside and picnicking, you need travel insurance. If your plans include bungee jumping, skiing, off-roading, swimming with sharks or any other highly hazardous activities, going without travel insurance is not an option. The truth is that accidents happen on all types of holidays, but they happen more frequently during adventure or thrill-seeking holidays.
Taking an adventure holiday does not guarantee that you are going to get injured. Hopefully, all will go as planned and you will not have to file a travel insurance claim. But if something does happen, travel insurance could prove to be invaluable. The following are five reasons why you need travel insurance on an adventure holiday:
1. Small Injury = Huge Expense – Even minor injuries could result in major expenses. When you are traveling abroad and become injured, you will likely have to visit the emergency ward of a hospital located near to where the injury occurs. Even if the services only involve X-rays and a splint, the cost for such emergency services could be exorbitant.
2. Medical Coverage Not Accepted – Most types of medical coverage do not pay for medical treatment received abroad. If you find yourself in a foreign hospital, they will charge you directly for the cost of treatment. Travel insurance goes where you go and covers any medical expenses incurred. This is true even if you plan to visit several countries on your holiday.
3. Increased Chance of Injury – Injuries are common on all types of holidays, but they are especially common on adventure holidays. Just being in unfamiliar surroundings increases your chance of becoming injured. Rock climbing only increases those chances.
4. More than Medical – In addition to paying for any medical expenses, travel insurance can reimburse holiday expenses if your holiday is cut short due to injury or illness. It is depressing enough to spend your vacation recuperating, but it is even more depressing to have to pay for a vacation that you did not get to enjoy.
5. Affordable – Travel insurance is very affordable. Most policies only cost 5 to 8% of the cost of the holiday. There are also policies that cover everyone that goes along with you on your holiday. This means that you can be reimbursed for a cancelled holiday if someone in your group gets injured and cannot continue on.
If you plan to do anything adventurous or strenuous on your holiday, you should definitely purchase travel insurance.
It’s just not worth the risk to travel without it. You need insurance regardless of how adept you are at your planned activity. Accidents can happen to anyone. You could very well be injured through no fault of your own while engaging in a risky activity. While you cannot be blamed for all that might happen, you alone are responsible for planning for all eventualities whether they are expected or unexpected.
Related posts:
- Annual Travel Insurance Vs Single Trip Travel Insurance: Which Is Better?
- Travel Insurance for Holidays at Home
- What Travel Insurance Company Would be the Best for You?
- Don’t be excluded! Know what your travel insurance covers—and more importantly, what it doesn’t
- Reasons To Consider Travel Insurance
- Cheap Travel Insurance: Why You Need to Be Covered When You Travel
- Travel Insurance For Peace Of Mind During Your Travels
- Travel Insurance Advice: Being Uninsured Could Really End up Costing
- What is Travel Insurance?
- What Will Adventure Travel Insurance Will Cover?
Comments
9 Responses to “Five Reasons Why Adventure Holidays Scream For Travel Insurance”
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December 30th, 2009 @ 10:06 am
Try this site for a quick quote on travel medical insurance. TravelEx allows for pre-existing conditions. —> http://www.travelex-insurance.com/index.asp?location=07-0018
December 30th, 2009 @ 11:00 am
Checkout their theft rider, and the link for a free quote. http://www.travelex-insurance.com/index.asp?location=07-0018
December 30th, 2009 @ 11:38 am
I think that you will find a great deal on Moneysupermarket.com thats where I got my travel insurance, and they actually had to pay out on my policy as I ended up in a French hospital.
My insurance was about 40pounds, and it was for annual insurance! I think from memory you could go away for up to 94 days at a time, or 17days at a time if you included winter sports.
Hope this helps – just remember to read the small print about how many consecutive days away from the UK you are covered for! Happy Travels!
December 30th, 2009 @ 1:34 pm
It could very well be true. Although they are different countries to where you are, we are in the UK and when we book to go to Ireland the company we book with insists on having our insurance details. Besides, as the first answerer says…they would be daft to travel without it as the cost of treatment is far more than the cost of the insurance. Accidents do happen…believe me, I broke an elbow last year, and a few weeks after that was healed I broke my foot…if I had been abroad I would have been in sh*t street without insurance!
December 31st, 2009 @ 4:33 am
healthquotes.awardspace.info – here is my health insurance plan. As I remember they can provide such a service.
January 1st, 2010 @ 3:30 am
You can get a refund if your insurance covers illness as a reason for cancellation. Different policies cover different contingencies. The way you would prove illness is by a note from your physician.
InsureMyTrip.com is one site that has comparisons among policies. I'm sure there are others.
January 1st, 2010 @ 8:37 am
There are some good travel insurance companies. Get ones that pay your expenses or pay you in cash. Dont get ones that make you take another trip or give you a voucher to travel again with them.
I only buy insurance if the trip is WAY more than I can afford to lose.
Read the fine print of the policies before you purchase.
January 1st, 2010 @ 1:11 pm
Here are some links-
I had a similar situation- I was living in the Caymans Islands, no longer a Canadian resident, and wanted to travel for the summer. But every policy required that Canadian citizens be insured in their home privince, which I no longer have as non-resident. IMG was the only one I found, but as you DO have Canadian insurance, this will be easy for you. There are lots of short-term plans.
https://www.imglobal.com/travelinsurance/index.cfm?show=&&CFID=1718830&CFTOKEN=d9392e2d0226f2d2-EC75C061-1143-EBE5-76B31862584AA777
http://www.internationalsos.com,
http://www.travelexinsurance.com,
http://www.ijet.com,
http://www.travelassistance.com,
http://www.wallach.com,
http://www.travelguard.com,
http://www.independenttraveler.com/resources/article.cfm?AID=48&category=8,
http://www.ricksteves.com/plan/tips/insurance.htm.
January 1st, 2010 @ 1:22 pm