Adventure insurance is an insurance cover that offers financial protection against unexpected financial losses arising from participation in adventure activities during your trip. This includes adventure racing, cave diving, jet skiing, parachuting, paragliding, scuba diving, skateboarding, and more.

The adventure sports travel insurance will either pay a fixed lump sum amount or reimburse you for the eligible medical expenses. The insurance cover is available to individuals between 15 and 60 years of age.

If you enjoy exploring new destinations and plan to participate in adventure activities during your trip, you should ensure that your travel insurance policy includes this coverage.

Generally, a travel insurance plan does not provide coverage for adventure sports. However, this protection is available as an optional add-on.

This means the extreme sports travel insurance cover is not included by default. You can add it and customise your travel insurance plan at the time of purchase. When you buy travel insurance online, this step becomes quick and easy.

TATA AIG Travel Insurance - International Plus offers a few add-on bundles. And, insurance for Adventure Sports is one of them. Whether you are looking for Schengen Travel Insurance or planning a trip to any other popular destination, this policy is highly recommended. We will explore this adventure insurance in detail as we move forward.

Every avid traveller has a list of experiences and activities they’ve always wanted to try. For more daring travellers, this can include adventure sports. If you fall under this category, you know how important it is to have all your bases covered before embarking on your trip.

A wide range of hazardous sports are covered under this adventure travel insurance policy. We have listed a few of them here. You can refer to the policy wording for the complete list.

Travel insurance for adventure activities provides a fixed amount or reimburses eligible expenses under the following inclusions. Each inclusion comes with a definite sum insured, and coverage is offered up to that specified limit.

Medical Expenses

Covers medical expenses incurred due to an injury or illness arising from participation in adventure sports. This includes hospitalisation, day care treatment, and OPD treatment.

Accidental Death or Disablement (Overseas)

Offers a lump sum amount to the nominee in case of an unexpected death due to an injury sustained during adventure sports.

It also provides a lump sum amount in case of disability, such as the loss of sight in both eyes or the loss of the ability to use both hands or feet. The benefit is available up to the sum insured, based on the type of disability.

Emergency Medical Dental Expenses

Covers expenses for medically necessary dental treatment. This includes surgical treatment, services, or supplies.

Hospital Daily Cash

Offers a fixed amount for every 24 hours of hospitalisation if you are admitted for treatment of an illness or injury, for up to 10 consecutive days.

While the extreme sports travel insurance cover protects against a wide range of risks, it is not available under the following conditions:

• While a medical practitioner has advised you not to participate.
• If you suffer from a pre-existing health condition.
• If you have not adhered to the necessary safety guidelines or instructions.
• When you train for or participate at a professional level or compete internationally as a national representative.
• When you enter restricted areas or go against local authority warnings.
• When you engage in racing, speed or time trials, or motorsports.
• When undertaking dangerous activities or participating in hazardous locations or in close proximity to dangerous animals.
• When participating in dangerous expeditions.
• If you are working as a guide where ropes or climbing equipment are required.
• In case of injuries caused by carelessness or lack of precautions.
• For personal liability arising out of participating in adventure sports.

TATA AIG Travel Insurance - International Plus offers a diverse range of policy options. First, of course, you must always compare travel insurance plans to ensure you get the maximum coverage and benefits under the right plan.

When choosing the best adventure travel insurance plan for your specific travel needs, you can keep these simple tips in mind.

• Coverage For The Specific Adventure Sport(s) You Plan To Participate In - Adventure insurance covers only a defined list of adventure sports. Therefore, you must carefully examine the policy documents to confirm that the activities you plan to participate in are included under the policy.

• Coverage Limit - The adventure insurance cover comes with specific limits under each inclusion. This includes the sum insured, deductibles or sub-limits. Assess the potential risks of your planned activities, possible expenses, and approximate treatment costs at your destination to choose the right coverage.

• Exclusions - Adventure sports travel insurance includes exclusions, and certain situations may not be covered. Read them thoroughly to know what the policy does not cover. Consider these exclusions and your adventure activity itinerary to ensure it does not fall under any category.

Participating in adventure sports may lead to common injuries such as abrasions, bruises, and muscle strains and serious injuries like fractures and dislocations. Severe injuries are more likely when accidents involve great heights or direct impact from a fall.

Adventure sports can take you anywhere, like on land with biking and rock climbing, in the water like jetskiing and surfing, and up in the air with ziplining and skydiving.

Bouldering, rock climbing, and ice climbing may lead to acute injuries like sprains, tendon or ligament tears, and
muscle tension from falls.

Widely enjoyed activities like skiing and snowboarding in popular destinations, such as Norway, Switzerland, France, and Italy, may result in tissue and ligament injuries or fractures, with joints being the most vulnerable.

It is always important to prepare your body with proper warm-up exercises and stay hydrated, as these activities require a lot of physical endurance and exertion. This is especially true for activities like trekking, rock climbing, skiing, biking, canyoning, and racing.

The last thing anyone wants when vacationing alone or with their family is to be saddled with financial expenses. Whether it be due to medical emergencies or unplanned circumstances like a lost passport or missing or delayed luggage, it’s bound to strain your plans and savings.

In the same vein, injuries are part and parcel of adventure sports. Adventure sports give travellers a once-in-a-lifetime experience, which is why they’re so popular. However, any mishaps when participating in them can result in serious injuries, sometimes even death.

Additionally, hospitalisation charges and medical treatments overseas can be expensive and can eat away at your savings. With a travel insurance plan, all of these issues can be handled while covering the costs.

• Visit the TATA AIG International Travel Insurance page.
• Provide the required details, such as the purpose of travel and destinations. Click on ‘Get Plan’.
• Enter the trip duration, the list of travellers, and their dates of birth.
• From the recommended plan options, choose a suitable policy, and include the ‘Adventure Sports’ add-on at this stage.
• Pay the applicable premium, and the travel insurance policy will be sent to your email address.

Suppose you want to raise a claim under your travel insurance with sports cover successfully. In that case, you must prove you were not liable. Here are three instances where you can ask for a claim on your policy.

1. Faulty Equipment

The organiser is responsible for providing proper equipment and gear for the adventure sport. They should also attend to your personal needs when participating in the activity/sport. If the equipment is old or faulty and results in you getting injured, you can raise a claim.

To avoid this situation, remember to thoroughly check the equipment you are provided before you use it.

2. Inadequate Training

The instructors must follow proper procedures and must have undergone training to provide participants with a safe environment. Therefore, it’s essential to adequately train before participating in an adventure sport.
Suppose you get injured due to the organiser’s or instructor’s ignorance or inadequate training; you can file a claim under your policy.

3. Ignoring Safety Measures

Most extreme sports and adventure activities have safety measures or prerequisites like height, weight, or minimum age limits. Organisers must adhere to all these measures and regulations to ensure everyone’s safety. Accidents or injuries due to negligence of these rules or injuries make you eligible to file a claim with your insurance provider.

• Inform us about the claim. You can initiate the claim online or contact us using the details provided in your policy document.
• Fill out the claim form and gather necessary supporting documents.
• Submit the documents to us. We will review your claim and settle it upon approval.

Documents Required to Claim Travel Insurance for Adventure Activities

The documents required may vary based on individual circumstances. Always refer to your policy document for the complete list.

Some of the key documents you may need include:

• Proof that the injury or illness is related to adventure sports.
• Proof of transport expenses, if applicable
• Copy of medical records, including doctor’s prescriptions, diagnostic reports, and discharge summary (if applicable).
• Original bills
• Payment receipts
• Copy of the death certificate
• Attested postmortem report
• Attested copy of the FIR

Having good travel insurance ensures that you and your family stay safe and can travel with complete peace of mind.

If you are planning to visit exciting destinations across the world and adventure sports are part of your itinerary, then choosing the adventure insurance add-on becomes essential. It provides financial protection against unexpected situations that may arise during your trip.

TATA AIG offers comprehensive travel insurance plans that cover medical emergencies, baggage loss, and various journey-related risks.

You can explore TATA AIG’s plan options and buy travel insurance online with the adventure insurance add-on.

Travel to explore, experience the thrill of adventure, but ensure you stay protected with the right travel insurance!