When looking to insure yourself on holiday, make sure that you are aware of exactly what kind of cover you need. If you are taking a trip to a more exotic or adventurous location, then you’re probably going to need some kind of specialist cover.
Ordinary Insurance Policy
An ordinary policy that the average holidaymaker takes out covers light exercise activities, such as forest archery or hiking on small hills. This kind of cover is perfect for a low-key excursions, with few to no foreseeable dangers or risks.
As I’m sure you as the reader can imagine, this kind of policy does have its restrictions. If you are on holiday and suddenly feel the urge to try something a bit more spicy, then you might find yourself doing an activity without the correct insurance. This is why there are benefits to selecting a single trip travel insurance policy with specialist cover for if you decide on a certain adventure activity.
Take Me on an Adventure
If you wish to purchase adventure travel insurance, you’ll be looking at paying a much higher premium than the ordinary policy, but – of course – this is to be expected. The amount that you would save in the event of a serious accident would outweigh this with no question.
Adventure policies are specialised policies that cover you for exactly the right things that might come up based on where you are holidaying. The costs are calculated methodically to ensure that your risks are all taken into account. This kind of coverage, although a little more expensive, is well worth the money, especially if the worst should happen.
As a general rule of thumb, more money is spent on an adventure holiday than an ordinary holiday, thanks to the higher prices of the activities. This correlates to adventure holidays usually being the customer’s only holiday of the year. Therefore, it’s in your interest to pick the policy that will save you the most money. You might be going on multiple getaways or you might be taking one single trip. Travel insurance, either way, is vitally important.
Extreme Sports, Here I Come!
Extreme sports policies are very similar, just to a more specialised degree. High-risk sports such as canyoning, potholing and skydiving fall into this CatID, and will all increase your premium. But, once again, wouldn’t you rather be safe than sorry?
What is more important when dealing with extreme sports policies than finding the cheapest quote is making sure that you have the most comprehensive cover that suits you (and maybe your family) best. After all, you’ll lose a lot more money in the long run if a serious accident occurs.
Don’t Forget to Get Insured
Long story short, whatever holiday type you enjoy, there’s an insurance policy to suit your needs. Whether you want single trip travel insurance or annual cover, make sure that you know exactly what kind of cover you require, so that your chosen insurance company can serve you as best as possible.
Patrick Chong is the Managing Director of InsureMore, an award-winning team of specialists in global, annual and single trip travel insurance policies. Besides offering great deals on travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holidays.
This article is copyright free.