From freefall to fallout: Why adventure junkies should get a comprehensive travel cover

For many young travellers, the allure of international travel isn't just about sightseeing; it's about chasing adrenaline-pumping experiences. Whether it's the thrill of scuba diving in the crystal-clear waters of Phuket, the rush of a bungee jump in Nusa Penida, or the exhilaration of zip-lining through the Amazon rainforest, adventure sports are essential in the modern travel itinerary. While these activities promise unforgettable memories, they also come with inherent risks of accidents and injuries.

Consider a real-life scenario: A traveller enjoying an ATV ride in Bali suffered a fractured neck. The subsequent treatment cost around ₹11 lakh. “Fortunately, a comprehensive travel insurance policy fully covered expenses, highlighting the critical importance of being adequately protected. Keep in mind that such medical expenses when travelling abroad can be high due to expensive healthcare costs, especially in countries like the U.S., Canada, Australia, and Europe,” said Vivek Chaturvedi, CMO and Head of Direct Sales, GoDigit General Insurance.

Travel insurance surpasses its role as a mere visa requirement; it’s a vital safety net. It offers extensive protection for overseas trips, safeguarding oneself against unforeseen medical emergencies, accidents, personal liability, and trip disruptions that could otherwise lead to significant financial strain.

Essential travel insurance features to look for to ensure robust protection include:

• Medical & accidental emergencies: This crucial component covers hospitalisation, treatment costs, and emergency evacuation, including air ambulance services, for sudden illnesses or injuries.

• Personal liability & bail bond: It provides financial and legal assistance if you unintentionally cause harm to a third party or damage property.

• Home building & contents cover: Some plans even extend coverage to protect your unoccupied home in India from risks like theft or natural disasters while you're away.

• Trip-related disruptions: This protects against common travel headaches such as baggage delays or loss, missed flight connections, bounced bookings, and trip cancellations.

Crucially for adventure enthusiasts, many standard travel insurance plans exclude adventure sports. However, some insurers offer the same as an add-on that one can opt for while buying a policy. “For example, insurers offer an Adventure Activity Cover as an add-on under their travel insurance plan. This specialised coverage includes hospitalisation or OPD treatment resulting from recreational activities like skydiving, scuba diving, skiing, and paragliding, under specific conditions,” said Chaturvedi.

Ultimately, whether you are planning a serene getaway or an extreme adventure, selecting a travel plan that aligns with your destination's cost of living and medical expenses is paramount. Always disclose pre-existing conditions truthfully and carefully review the policy document to understand all coverages and exclusions, ensuring you're comprehensively protected for every thrilling moment of your journey.