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Travel Insurance for Adventure and Leisure Activities: Comprehensive Coverage Overview
When travelling, adventure activities can add excitement to your journey, but they also carry unique risks. Travel Insurance Saver offers coverage options for a variety of sports and leisure activities to ensure you stay protected. This guide may explore the available options for coverage, from multi-trip and single-trip plans to add-ons for specific activities like snow sports and cruises. With 24/7 emergency assistance provided by Chase Underwriting.
Key Coverage Options for Activities Insurance
1. Multi-Trip vs. Single-Trip Policies
- Multi-Trip Insurance: For frequent adventurers, the multi-trip option covers multiple trips within a year. Each journey is protected, ensuring consistent coverage for emergency medical treatment, evacuation, and specific activity-based coverage, such as snow sports.
- Single-Trip Insurance: Ideal for one-time vacations or adventures, single-trip insurance may provide comprehensive coverage for the entirety of a single journey. This may include medical expenses, emergency evacuation, personal liability, and additional coverage for selected activities.
2. Comprehensive One-Way Coverage for Activities
Comprehensive one-way travel insurance offers extensive protection, making it ideal for those planning extended travel with adventure activities included:
- Unlimited Emergency Medical and Dental Coverage: For injuries sustained during covered activities.
- Medical Evacuation and Repatriation: Transportation to your home country if medical assistance is needed.
- Personal Liability: Protection in case of accidental injury to others or damage to property during your activities.
3. Medical-Only Adventure Activities Coverage
If your primary concern is health-related risks, the Medical-Only Adventure Activities plan offers focused medical support:
- Emergency Medical Assistance: Unlimited coverage for emergency treatment or hospitalisation due to injuries from covered activities.
- Evacuation and Repatriation: Medical evacuation coverage if required due to adventure-related injuries.
- 24/7 Emergency Assistance through Chase Underwriting: Global support for medical needs and travel logistics.
Adventure and Sports Activities Covered
Travel Insurance Saver covers a wide range of activities by default, including:
- Snow Sports (On-Piste): Skiing and snowboarding on groomed slopes.
- Water-Based Activities: Snorkelling, surface water sports within 2 nautical miles of a landmass, and recreational fishing close to shore.
- Extreme Sports: Bungee jumping, shark cage diving, and hot-air ballooning.
- Leisure Activities: Golf, hiking up to 3,000 metres, and gym activities (excluding powerlifting).
Other adventure activities may be available upon application and are subject to policy conditions.
Optional Add-Ons for Enhanced Activity Coverage
1. Snow Sports Travel Insurance Quote
- Medical Assistance: Coverage for injuries related to snow sports on groomed slopes.
- Equipment Protection: Reimbursement for snow sports equipment if damaged or lost.
- Trip Cancellations: Coverage for weather-related cancellations affecting snow sports activities.
2. Cruise Cover Travel Insurance Quote
- Onboard Medical Assistance: Coverage for onboard medical emergencies.
- Cabin Confinement: Reimbursement for missed excursions due to confinement.
- Missed Ports: Compensation if your cruise ship misses a scheduled port stop.
3. COVID-19 Travel Insurance Quote
- COVID-19 Treatment: Coverage for medical expenses if diagnosed with COVID-19 while abroad.
- Trip Cancellation and Quarantine: Compensation for trip interruptions and quarantine-related costs.
What’s Covered and What’s Not for Adventure Activities
While a broad range of activities is covered, certain conditions apply:
- Covered: Emergency medical expenses, evacuation, personal liability, baggage coverage, and COVID-19 cover as an add-on.
- Not Covered: Activities not specified within the policy, losses due to reckless behaviour, and intoxication-related incidents. Additionally, certain pre-existing conditions must be declared and approved for coverage.
Consult the PDS for a full list of exclusions and automatic inclusions, particularly for pre-existing conditions.
24/7 Emergency Assistance through Chase Underwriting
All policyholders have access to Chase Underwriting’s 24/7 emergency assistance. Whether you need medical evacuation, support due to activity-related injuries, or logistical assistance, Chase Underwriting offers global emergency support services to handle all your needs efficiently.
Frequently Asked Questions (FAQ) on Travel Insurance for Activities
1. What details do I need to get a quote for activities insurance?
You will need your age, travel destination, trip duration, and any add-ons, such as COVID-19, snow sports, or cruise cover.
2. Are all adventure activities automatically covered?
Most common adventure activities are covered, but some may require additional premiums or applications. Review your PDS to confirm.
3. Can I add snow sports coverage if I’m already travelling?
Yes, additional coverage can be included when you apply for a quote online.
4. Does my policy include medical evacuation for activity-related injuries?
Yes, medical evacuation is included under both comprehensive and medical-only plans for covered activities.
5. How do I access emergency support during an activity?
Emergency assistance is available 24/7 through Chase Underwriting, which can coordinate any required medical or travel support.
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Find out more about the following activities.
Off-piste and Back Country Skiing
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Cover is subject to the policy terms, conditions, and limitations and exclusions set out in the Product Disclosure Statement. Always read the Product Disclosure Statement before making a decision about any travel insurance policy.
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