Adventure Holiday Travel Insurance Deal

However, do not fear – there is cover for adventure holiday activities out there! Admittedly, regular travel insurance usually covers many sports at no extra cost. Examples of such sports include archery, bunjee jumping, windsurfing, canoeing and water skiing. Other sports which are included at no extra cost include abseiling, go-karting and horse/elephant/camel riding. However, with these sports, policies tend to exclude any cover under the Personal Accident and Personal Liability sections.

To get cover for riskier sports, such as flying, scuba diving, surfing and mountain biking, you would have to declare to the insurance provider which activity(/-ies) you are undertaking and paying a higher premium. Once again however, cover under the Personal Accident and Personal Liability sections is usually excluded.

For yet riskier sports, once again, premiums are higher, cover under the Personal Accident and Personal Liability sections is excluded, and, in the case that you need to make a claim, the excess will be higher. Examples of these high risk sports include sky diving, high grade white water rafting, yachting, canyoning, hang gliding and rock climbing.

Although adventure holiday insurance can be purchased easily from your tour operator, you are more than likely to find cheaper, but just as adequate insurance elsewhere. What’s more, tour operators cannot usually offer specialised insurance: If you shop around, you are likely to find a suitable policy which is specially designed to cater for your specific needs in light of the activities in which you will be participating on your adventure holiday.