Proper travel insurance coverage is essential for any traveler. However, what if your vacation tastes are a bit on the extreme side? Maybe you’ve always wanted to try skydiving or whitewater rafting? Perhaps you’d like to give mountain biking a try? If so, be especially diligent when researching a travel insurance plan. Most travel insurance plans do not provide extreme sports coverage. However, you do have a few choices that are especially tailored for adventure activities.
Best Extreme Sports Travel Insurance
For Travel Outside the USA
Overview
Medical Coverage
Unexpected Recurrence of a Pre-existing Condition
Diplomat International travel insurance is ideal for extreme sports enthusiasts, as it offers optional riders that cover dozens of athletic sports and hazardous activities. There are different Athletic Sport and Hazardous Activity benefit levels you can purchase depending on your specific sport or needs, and this is all in addition to the standard travel insurance benefits you receive with the plan.
For Travel To the USA
Overview
Direct Billing
Acute onset of pre-existing conditions
Diplomat America is a short-term travel medical insurance plan for visitors to the USA. It can cover any new illness or injury that occurs after the policy’s effective date up to the selected policy maximum. Much like its international sister plan, Diplomat America is ideally suited for extreme sports participants, offering three different Athletic Sports & Hazardous Activities riders up to the age of 80 that can cover nearly any sports activity you can think of.
Extreme Sports Travel Insurance FAQs
How much does extreme sports travel insurance cost?
The amount you can expect to pay for extreme sports travel insurance coverage will vary depending on the plan and the level of coverage. For instance, Diplomat America’s optional sports coverage can range from an additional $12 per month to $80 per month, or it can increase your premium to 1.25X the original premium. The actual amount will depend on the level of extreme sports coverage you need to purchase for the particular sport you will be participating in.
Do I really need extreme sports coverage in travel insurance?
You may not think you need extreme sports coverage in your travel insurance, but that assumption could be an expensive mistake if you get injured while participating in a sport that’s not covered by your plan. For this reason it is very important, regardless of what plan you purchase, to review the policy document thoroughly before buying the plan. If any activity you want to take part in on your trip is not covered by a standard plan, you need hazardous sports travel insurance to protect you.
Have further questions? Contact us today!