Extreme Sport Travel Insurance

Extreme Sport Travel Insurance
Where can i find Cheap backpackers travel insurance which covers EXTREME sports such as skydiving?

Here’s my 4 cents worth on this: (I reread what I wrote, and decided to double my fee for the answer)

Cheap insurance for what sounds like a high-risk sport? Don’t count on it.

Insurance companies price policies according to the perceived risk, and how many policies they think they’ll sell. Skydiving, scuba diving, backcountry mountain skiing, and experimental aircraft all sound like high risk activities to your average insurance agent. I know it may not seem so to the average participant, but the agent and the insurance company make the call, not you. Also, there are only a few people who would buy such a policy, so there’s not a lot of people to spread out the costs of one accident.

Here’s an example: I’ve been scuba diving for 30 years, and have seen only one or two people get the bends. I’ve known dozens of people who have had car accidents in that time. But There’s a million drivers to share that risk, so if 2 dozen drivers get hurt, there’s 999,976 more who didn’t, and their premiums are all profit.

If 100 divers buy insurance, and 2 get injured, there’s only the premiums from 98 people that can be used to cover those costs to the insurance agency. So the agency will jack those rates up to cover those costs.

You may find a policy that covers you in the event of skydiving injuries. Or you may find a cheap policy. But you probably won’t find a policy that has both characteristics. If you do, read *ALL* the fine print, and question the agent about it. Explain what you plan to do, and be sure you’re covered. Have him/her point out the language that covers you. Otherwise, you may get a rude surprise when you really, really don’t need it.

Tips for Budget World Travel : First Aid When Traveling

Why Winter Travel Insurance is a Must

Travelling during the winter months is advantageous for many reasons. To begin, it’s typically less expensive to travel during the winter than in the summer, which means you can stretch your money further on your getaway. Winter is also an ideal time of year to travel if you love to partake in certain winter sport activities, such as skiing or snowboarding. However, if you’re looking to get away from colder climate or snow, there are many destinations around the world that offer warmth and sunshine. With so many perks to travelling in the winter, it’s no wonder that an increasing number of holidaymakers are planning their getaways for the winter months.

While winter travel is advantageous for various reasons, it also poses a set of risks. For instance, if you’re taking a skiing or snowboarding holiday, you’re automatically at a higher risk of incurring injuries. What’s more, serious injuries on ski slopes can often require costly treatments and medical arrangements – such as airlift transportation to a hospital. It’s therefore vital to secure travel insurance for this type of winter holiday. Many insurers will even offer specialised travel insurance for snow sport holidays, ensuring you’re covered if any accidents should occur.

Another common winter travel mishap involves travel delays and cancellations due to harsh weather conditions. If, for instance, your flight is delayed or cancelled due to extreme winter weather, a comprehensive travel insurance policy can cover the cost of any necessary accommodations during your delay, a replacement for your cancelled flights, or a reimbursement for any non-refundable hotel reservations.

Of course, travel insurance is important even if snow sports or harsh weather conditions are not involved. Perhaps you’re travelling to a tropical destination this winter, with no plans to partake in extreme sports. Travel insurance can still come in handy if, for example, your luggage is lost or stolen, or if you happen to become ill. Moreover, anyone can incur an injury, even if they’re not sliding down steep mountain slopes. So it’s wise to ensure you’re covered with an inclusive travel insurance policy.

No matter where you plan to travel this winter – or what types of activities you plan to partake in – securing a comprehensive travel insurance policy means you can enjoy your getaway with peace of mind. What’s more, because travel insurance policies are widely available at affordable prices, that peace of mind won’t cost you your holiday spending money.