• 22
  Jul
  2009

• International travel insurance coverage for adventure sports

  
  Filed Under: News
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Injuries or accidents while practising adventure sports is quite common. It is estimated that about 10% of travellers on an adventure sports vacation meet with an accident. Hence, it is very important for sports enthusiasts to avail coverage for any adventure sports like gliding, windsurfing, mountaineering, skiing, rock climbing, etc…

Check once you buy the insurance policy whether the coverage benefits are offered for adventure sports as some of the policies specifically mention about not covering for these sports in the exclusions section of the document.

Reports say that many insurers do not check the international travel insurance policy for the exclusions and pre-existing medical conditions. These are important for people to be aware under what circumstances they cannot claim reimbursement or they would not be covered.

Another problem is that many of the policies have not updated the coverage with the latest additions of the adventure sports and hence one has to be very careful while finalizing on the policy coverage and make sure that their particular sport is included in the coverage benefits.

Otherwise, tourists are at huge risk of incurring unmanageable expenses due to the dangers of these thrilling adventures! Without coverage, a vacation would turn from a paradise to a nightmare!

• 22
  Jul
  2009

• Medical Evacuation coverage with International tourist Insurance policy

  
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While planning for a trip overseas, it is important to buy an international tourist insurance policy that provides coverage for medical evacuation also. In case of a fall or a back injury, it is very important to be covered for evacuation; otherwise the cost of transportation to the medical facility where further assistance would be provided would be more than $100,000 which is too expensive for an individual to bear.

Simple falls can result in serious injuries like back bone or hip bone fractures which requires immediate medical attention, surgery and transport to the medical facility. Most of the people assume that the current medical insurance coverage would be sufficient for them. Ideally, one has to check whether only domestic coverage is provided which means the insurance becomes invalid if you travel outside your homeland.

Secondly, even if it is international coverage, one has to check whether only prescription drugs, hospitalization and doctor consultation expenses are only covered, which means evacuation benefits are not provided by the policy.

Without evacuation, safe transportation of the injured to the medical facility is not taken care and the insured has to still make his own arrangements or bear the cost on his own in spite of buying an international tourist insurance policy.