Adventure Sports Travel Insurance | Travel Insurance Plans in Singapore
Insurance | Travel Insurance
by Priyadarshini
31 December 2020
Adventure sport lovers alert! Singaporeans love adventure sports and many adrenaline junkies in the country are trying out new things every day. Did you know about adventure sports travel insurance before? Yes, now you can secure your crazy adventures too! With adventure sports travel insurance plan. So, if you have plans to skydive, scuba diving, etc. read this blog! Here we give you six tips for adventure sports travel insurance.
First Chalk out the Exclusions
Adventure Sports Travel Insurance plans are known as extreme sports insurance. However, ensure you read all the details carefully. There are many crazy adventure activities that insurers do not cover. For instance, flying an aircraft, expeditions to unexplored territories, etc. Also, different travel insurance companies have different types of inclusions and exclusions. So, find out the details before you sign up for a plan.
Adventures exclude you from personal accident or liability
Different travel insurers in the market offer different adventure sports travel insurance plans. Some give you comprehensive coverage, others don’t. If you wish to secure the activity you are doing, make sure it is covered in personal accident or liability. Many companies cover recreational activities like diving, surfing, go-karting, etc. Third-party damages are covered too by insurance companies but make sure you read the fine print thoroughly. Choose an adventure sports travel insurance plan based on the choice of activity.
Know the special cases
Some adventure activities are not covered by insurance companies under certain special circumstances. So, ensure you them all and what the special cases. For instance, white water river rafting without a professional guide is not covered by most insurance companies. Another example could be underwater activities beyond the depth of 30 meters. Adventure SportsTravel insurance plans come with a certain limitation, so stay within the framework of the policy.
Pay Extra for Certain Activities
Many insurers allow you to upgrade your insurance policy which gives better inclusions. However, whether or not you want to increase your premium is a choice you can make. For example, many insurance companies, do not include adventure sports like bungee jumping in their regular policies, but with some extra payment, you can get an insurance plan which includes such activities.
Sports Equipment Coverage
This tip is for professional adventure sports players. For instance, if you are a scuba diver, you will require a diving kit for your activity. Usually, sports kits and equipment are pretty expensive. Hence, it is recommended you check with your insurer on how much coverage you may get for your sports equipment. In case of theft or other damages, you could incur heavy losses. So, it is better to have adventure sports travel insurance plan in place to secure them.
Emergency Evacuation Cover
Be it scuba diving, skydiving, or any other sports check for emergency medical evacuation with your insurer. You never know what kind of situation you are faced with until it occurs. So, this makes it an important point to include in your adventure sports insurance plan. Try to cover all your bases while choosing an adventure sports travel insurance plan. It is better to pay an extra premium than to have an unpleasant experience!
