How good is travel insurance for adventure seekers?

I always recommend that you take out travel insurance when you travel.  Even if it’s a short trip intrastate of interstate, the cost of insurance will be worth it if you lose your luggage or get stranded because of plane delays or bad weather, and then at least insurance will go part way towards compensating you for extra costs.

There is a saying in the travel industry that if you can’t afford travel insurance, then you can’t afford to travel.  Ok, so now I’ve established that I favour travel insurance, how good is it if you hanker for a bit of adventure?  Adventure means that there is some risk involved, and if you are deliberately putting yourself at risk, how good will travel insurance be for you?

The Royal Automobile Club of Victoria sells many travel products and also sells travel insurance.  According to them, adventure junkies can’t assume that if they undertake perilous pursuits they can’t automatically assume they will be evacuated by the insurance company should they come to some grief.

Neil James is Travel and Tourism manager for the RACV and he warns that people who undertake various activities such as base jumping, motor racing, skiing or even running with the bulls in Pamplona may not be covered by travel insurance.

“It’s a matter of risk. Some adventurers can push the boundaries and engage in activities that may be listed as exclusions under many travel insurance policies. “Some people may be surprised at what is considered a dangerous activity. For instance, many policies exclude claims resulting from open-water sailing, hunting, playing polo, mountaineering or rock climbing, parachuting or hang gliding,” he said.

Mr James said travellers need to check what circumstances and activities are excluded from their policy. In some cases being a registered participant in the sport, such as having a scuba-diving certificate, may be required to be covered by travel insurance.

“Generally travel insurance will cover all your medical bills and evacuation costs but our members and all other travellers need to be aware there are rules and limits,” he said.

“It should also be noted that the Federal Government does not pay for a traveller’s medical expenses overseas or medical evacuation costs.

So, there you have it.  If you do lust for adventure, make sure that you are adequately covered, but also take some responsibility for your actions.

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