Leisure tourism is increasingly linked to sport and adventure. We all have friends or relatives who have gone to another country to go hiking, scuba diving, cycling, skiing... Today we will see how to protect ourselves against possible accidents and whether or not they are covered by travel insurance.
Travelling abroad and how to cover health costs
A few weeks ago, we published a specific article about the importance of the travel insurance when I go abroad.
We were saying how, if we go abroad, especially outside the European Union, we must protect ourselves in case we have an accident or, simply, if we are ill, we have to visit the hospital. No one is «free» from a flu or a fall, and the Murphy's Law, If we can avoid it, so much the better.
For prices ranging from €10 per person, if we cover ourselves, we will avoid scares.
Sports and travel insurance cover
Notwithstanding the above, we must bear in mind that insurance is a contract and, as such, it is necessary to know the small print. In this case we want to talk about the sports, The fact that there are many people who are unaware that:
Excluded from standard travel insurance are (not covered) accidents arising from a large number of sporting activities.
We are talking about:
- Skiing
- Equestrian
- Diving
- ... (sometimes even hiking)
However, there are policies specifically covering these activities. That is why we always ask our clients about the activities to be carried out to make sure that they will not have any problems.
Attention to online travel insurance comparators
The other day, because we like to know how other insurance providers work, we went to do an experiment on a well-known Spanish insurance comparator.
The website is very intuitive and asks you a series of questions before giving you a price. Among the questions are “What is the reason for the trip?”; and we answer “skiing”.
At the end of it all came the prices. From the options we worked with almost all companies, then, we know “to the letter”.” these products. We were surprised that one of these companies does not cover We went in to see if they had a special product or something like that. This was not the case, but they were offering the same product as us, in whose general terms and conditions it excludes “winter sports”.”.
In other words, that had we taken out that travel insurance, we would not have been covered for what we needed., even though we were specifically asked what activity we were going to do. We have to pay attention to the small print...
Travel insurance ransom
Along the same lines as above, in addition to the coverage of health care expenses, companies may also offer a specific guarantee, a call: “search and rescue of the insured”.”.
This covers the expenses that will be charged to the client, caused by the need for a special service to rescue him from the mountain, the sea, a river...
In the absence of such a guarantee, we may have to pay up to several thousand euros, as it often involves the use of helicopters, speedboats, large groups of people...
Again, it is advisable to check your policy, as few policies provide this cover.
Registration for sporting events
Running and cycling are sports on the rise. As a result, every year more and more people sign up for organised sporting events. It is not uncommon to organise specific trips to other cities or even other countries to take part in a race. In many cases, these registrations are not cheap.
For this reason, we offer policies which have the trip cancellation cover for physical injury; and which include, among many other safeguards, the reimbursement of the race registration fee.
If you want to have peace of mind when you go abroad, take out your travel insurance with us. Avoid unforeseen events and take out your policy under the best conditions.
