Health Insurance for Adventure Sports

Insurance for Adventure Sports

It is very common that we have customers who want to take part in adventure sports either as an unorganized activity just for the thrill of it, or as an organized event. People travel from different parts of the world to participate in these activities. Whether it is a sports activity for fun and thrill or an organized event, the most important issue to be highlighted is the need fortravel insurance with sports coverage.

There are many organized sports that are held across the globe. Sometimes a number of unexpected events happen even with the most careful planning and preparation. Mainly in the pandemic era, the new Omicron and delta variant of the SAR’s virus is more infectious and players need protection against the unexpected accidents and illness that can occur while travelling outside the home country.

There are various travel/health insurance plans that provide coverage for adventure sports activities but there might be some activities which these plans do not cover. Regardless of the variant, when the insured is contracted the coronavirus illness, covid-19 coverage will be provided to the sportsmen.

Extreme sports travel insurance plans are designed to provide coverage for the extreme sports activities. Travel Insurance plans coverage for sports vary or depends on the destination location and the type of specific adventure sport the person is going to participate in.

Not every travel insurance policy will cover sports and in many cases they will include or exclude the coverage based on sports categories such as organized sports, extreme/adventure sports, contact sports and recreational sports.

• Organized sports in insurance terms usually include intercollegiate, interscholastic, intramural or club sport participation. If your activity has a coach and is organized by some organization and it needs some training and practice, then it is Organized Sports.

  Coverage for organized sports is not inherent in insurance and is commonly excluded from coverage. But, there are some plans that do cover organized sports.

• Extreme/Adventure sports known as adventure sports are activities that involve high level of danger and risk. This activities involve speed, height and high level of physical exertion and in most cases a specialized gear.

  Although most travel insurance plans exclude coverage for these extreme sports there are few plans that provide limited coverage or there may be an additional rider for an additional cost.

• Contact sports are activities where people come in physical contact with each other and recreation sports are usually done in free time and leisure and are covered under regular medical insurance benefits.

Atlas Travel Insurance plans includes coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports skiing and snowboarding (recreational downhill and/or cross country), snorkeling, water skiing, and others at no additional cost. Certain extreme sports are excluded from coverage.

Below listed providers plans covers Sports Coverage as Optional benefit.The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Patriot America Plus , Patriot America Lite, Patriot Platinum America , Patriot International Lite and Patriot Platinum International from IMG covers Optional Adventure sports Rider.

Adventure Activities : This plans covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing. These sports available up to 65 years.

Travel Medical Basic, Travel Medical Choice, Travel Medical Global Basic and Travel Medical Global Choice plans covers adventure sports up to policy maximum.

Adventure Activities : Bungee jumping; caving; hang gliding; hot air ballooning as a passenger; jet skiing; kayaking, excluding white water; motorcycle up to 250cc or motor scooter riding whether as a passenger or a driver; Micromobility Vehicle(s); non-hunting safaris, including boat safaris, bush walking, camping or lodging, game drives, horseback or camel safaris, night safaris, or walking safaris; Parachuting; paragliding; parasailing; scuba diving only to a depth of thirty (30) meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; Sky Diving in tandem with an instructor; snowmobiling; spelunking; surfing, bodyboarding, or wakeboard riding waves up to two (2) feet high as forecasted by the National Weather Service or similar government entity; water skiing; windsurfing; or zip lining.

You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, Micromobility Vehicle, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where You are located in the Destination Country.

Safe Travels USA, Safe Travels USA Comprehensive and Safe Travels International plans covers Opional sports activity coverage .

Adventure Activities :Covers up to $50,000 - provides coverage while performing, practicing, or participating listed Sports only. Collision and Extreme Sports are excluded.
If coverage is purchased for Class 1: this benefit provides coverage to the Covered Person while performing, practicing, or participating in archery, tennis, swimming, cross country, track, volleyball, and golf.
If coverage is purchased for Class 2: includes following sports, ballet, baseball, basketball, cheerleading, equestrian, fencing, field hockey, football (except division 1), gymnastics, hockey (no league play), karate, lacrosse, polo, rowing, rugby, soccer, and softball.

Any Sport Activity not expressly covered hereunder is excluded from this Policy unless the activity is noncontact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.

Intermedical and WorldMed plans covers hazardous activities rider at optional coverage.

Gives you the option of purchasing additional protection to cover your adventures. Medical expenses related to hazardous activities can be covered for an additional 20% of your total premium.

The following items will become covered with the purchase of the Hazardous Activities rider:

• American Football
• Big Game Hunting or Safari, Bungee Jumping, Hang-Gliding
• Kite-Surfing
• Mountaineering
• Parachuting, Paragliding, Powerlifting
• Running with the Bulls, Sky Surfing
• Snow Skiing and Snowboarding
• Spelunking, Sub Aqua Pursuits involving underwater breathing apparatus, Surfing
• Waterskiing, Whitewater Rafting.

Diplomat America and Diplomat Long term plans provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities.

For the below listed activities apply the 1.25 factor to the base premium: BMX; Bobsledding; Bungee Jumping;Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate ; Motor Scooter; Motorcycling;Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving ; Snow Skiing ; Snowboarding; Snowmobiling; Spelunking/Caving; Surfing ; Trekking ; Wakeboarding; Water skiing; Whitewater Rafting ; Wind Surfing; Zip Lining.

For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:

• Low-Option additional $25.00 flat monthly rate: Aerial Photograph ; BMX; Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning ; Mountain Climbing ; Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing ; Scuba Diving ; Skydiving; Snow Skiing Off-Piste.
• High-Option additional $50.00 flat monthly rate: Big Game Hunting ; Diving with Sharks;Mountain Climbing ; Running with the Bulls;Security Detail .

For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, apply the 1.25 factor to the base premium plus the monthly flat rate listed:

• Low-Option additional $12.00 flat monthly rate: Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo ; Polo ; Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleybal.
• Middle-Option additional $26.00 flat monthly rate: Basketball; Competitive Cycling ; Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing ; Ski Jumping; Wrestling.
• High-Option additional $80.00 flat monthly rate: Football ; Gymnastics; Rugby; Socce