This coverage addresses the needs of adventure travelers. It is typically in the form of an exclusion waiver because (except in a few instances) travel insurance plans always exclude coverage for adventurous activities and hazardous sports.
|Contents (click to jump down)|
What does Adventure Activities cover?
Important notes about this coverage
What type of policy covers this?
How much coverage does each company provide?
Mike and Sylvia had long planned a Hawaii honeymoon and were looking forward hang gliding off the Makepu’u cliffs on Ohahu. Experienced hang gliders, they had each completed well over 50 jumps in a number of locations around the world.
On their third day of flying, Mike experienced some trouble with his glider and had to descend quickly. His forced descent meant he was far short of their intended landing zone and he landed in a bushy field instead of the cleared landing area. During landing, his foot caught in one of the higher bushes and he crashed to the ground. Sylvia witnessed the accident and drove with the other local hang gliders to where they had seen Mike fall. On the way, they called an ambulance and guided the paramedics to the location. Mike was unconscious when they arrived, but the paramedics cut him loose from the glider and transported him to the hospital. His leg was broken in two places and he had a concussion and some serious cuts, but he would survive. Once in the emergency room, Sylvia called their travel insurance company to let them know about Mike’s accident. She was re-assured after the representative confirmed they had purchased coverage that included adventurous sports and the insurance company would arrange for an advance payment to the hospital. Sylvia took a deep breath and focused on Mike’s treatment.
All travel insurance plans specifically list adventurous (some call them ‘hazardous’) activities as specifically excluded from coverage, which makes it difficult for hang gliders, skiers, mountain climbers, bungee jumpers, SCUBA divers and others to find adequate travel insurance coverage for their trips. There are plans that cover these types of travelers, however.
In some plans, SCUBA divers who are PADI or NAUI certified are covered in the base plan without the need for an optional rider. For example, all of the Seven Corners’ Liaison plans allow for SCUBA diving activities in the base plan as long as the diver is appropriately certified.
In most cases, all other adventure activities are covered with an optional rider, which adds to the cost of the plan.
Those participating in adventurous activities are primarily interested in the following coverages:
Some travel insurance plans provide a benefit amount for unused nonrefundable payments made separately from the vacation and related to sports activities, including ski lift tickets, green fees, equipment rentals and lessons, if you have to cancel or interrupt your trip for a covered reason. Specifically, Travel Insured International provides $1,000 for these nonrefundable costs with all their package plans:
This type of coverage is available in some package plans (typically with an optional add-on). This coverage is also available with some medical plans.
|Plan||Company||Medical limit||Medevac limit||AD&D (24-hour)|
|TravMed International * ***||FrontierMEDEX||$1,000,000||up to medical limit||$25,000|
|Diplomat America * **||Global Underwriters||$50,000 – $500,000||$300,000||$25,000|
|Diplomat International * **||Global Underwriters||$50,000 – $1,000,000||$300,000||$25,000|
|Diplomat LT * **||Global Underwriters||$500,000 or $1,000,000||$300,000||$0|
|Patriot Adventure *||IMG||$50,000||up to medical limit||$0|
|Liaison Continent * ** ***||Seven Corners||$50,000 – $1,000,000||$300,000||$50,000|
|Liaison International * ** ***||Seven Corners||$50,000 – $1,000,000||$300,000||$25,000|
|Liaison Majestic * ** ***||Seven Corners||$60,000 – $1,000,000||$300,000||$25,000|
|Liaison Worldwide * ** ***||Seven Corners||$50,000 – $500,000||$300,000||$25,000|
|Adventure Travel||Travel Guard||$25,000||$500,000||$10,000|
|Sportsman's Travel||Travel Guard||$25,000||$500,000||$10,000|
|Tee, Tour, and Travel||Travel Guard||$25,000||$500,000||$10,000|
|Visit USA HealthCare ** ***||Travel Insurance||$50,000 or $100,000||$75,000 or $100,000||$50,000 or $100,000|
|Voyager Annual ** ***||Travel Insurance||$5,000 – $500,000||$25,000 – $500,000||$25,000 – $500,000|
|WorldMed ** ***||Travel Insurance||$100,000 – $1,000,000||$100,000 or $500,000||$25,000 or $50,000|
|Worldwide Trip Protector Gold * **||Travel Insured||$50,000||$1,000,000||$25,000|
|Worldwide Trip Protector * **||Travel Insured||$50,000||$500,000||$10,000|
|Trip Protector Lite Expanded * **||Travel Insured||$15,000 *||$100,000||Available **|
|Trip Protector Lite * **||Travel Insured||$10,000 *||$100,000||Available **|
|Travel Select **||Travelex||$50,000||$500,000||$25,000|
* requires a deductible
** with optional rider
*** limited to certain activities
Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.