The travel insurance plans cover no more unprotected extreme sports QUIT!Many of us love to play sports, and the best time to try something new and exciting or spend time enjoying a favorite sport during the holidays! Decoys travel suppliers with exciting promises: bungee jumping, climbing, scuba diving, parachuting, perfect skiing - it's all great fun! And optionally a source of problems in the future. In many of these cases are not covered by insurance at all! Going deeper extreme sport now safe!
1. Understand how risky is your favorite sport
The variety of sports people engage in today is very broad: failure to base jump considered "sport". For many insurance companies, sport is divided into four levels of overall risk (p. The list below). Already Level 2 sports are often regarded as extreme sports. So if you are an avid skier in Colorado, British Columbia or in the Swiss Alps, an amateur mountain climber, or adrenaline junkie enjoying skydiving at least once a month - you should consider looking deeper into protection extreme sport.
Classification of sports insurance risks:
Level 1 - Low-risk sports: aerobics, skating, volleyball, water polo, football, cricket, golf, baseball, basketball, tennis, badminton, archery
Level 2 - Sport means greater mobility and therefore greater risks: multisport, paintball, skiing, kayaking, swimming, rugby, diving, gymnastics, kayaking
Level 3 - Sports with elements of violence and action: wrestling, boxing, hockey, martial arts, motor sports, bungee jumping, rock climbing, horseback riding, mountain biking, hiking , rafting, water skiing
Level 4 - the most extreme sports: hang gliding, paragliding, paramotor, paragliding
2. Read the fine print 8 times using the standardized travel insurance
sports-related injuries during the holidays can sometimes be covered by insurance policies, but usually they are not. So if you want to rely on your existing policy, be sure to read all the terms and conditions or call the hotline insurance. Often insurance companies offer additional protection for accidents related to extreme sports. Remember the consequences of sports injuries can be added tens of thousands of dollars while treated abroad.
3. Be clear on the "professional" way your commitment to sport
There are also different ways to participate in sports. And despite your insurance may still covers free skiing at Mont Tremblant, Quebec, are not likely to pay for medical expenses related to injuries struggle against the Thai boxing in Thailand or climbing competitions in working in stone the Rocky mountains. Here, the basic rule should be: If you do something, not only for leisure, but has no indication of activity / job skills, obtain a separate extreme sports protection.
4. Are you a case "exclusive"? WARNING!
Even if you think you'll be good to get insurance extreme sports, a more detailed view of the conditions - typical insurance except extreme sports are: Those of a certain age are not covered (limit of ages ) existing medical conditions injury due to drug abuse in sport are the ineligible sport specific activity think about it when you enjoy your extreme sports - sought mandated external competitive ski race could lead to unpaid bills rejected by your insurance company ...
5. IT IS DEDICATED SAFE extreme sports!
There is adequate protection for all extreme sports enthusiasts out there! You can often get a little extra protection, called rider on your policy that covers their sports mania "dangerous". Such insurance can cost less than $ 100 a month, but it will save a lot of headaches in the future. Anyway, the purpose of this article is not to force him to stay home, but specify what protection you might need to enjoy your favorite sport while covering all bases!
Alexander Saltykov is co-founder and CEO of InsurEye Inc (http://www.insureye.com). Alexandre years advising insurance clients, both in North America and Europe, where he worked for a management consulting firm. His areas of expertise are innovation, secure information technology and business.
InsurEye Inc. is a Canadian company based in Toronto, Ontario. Its mission is to give people transparency and the views around the safe use of modern technologies.
InsurEye currently offers two free services to educate consumers that can be found on our website Title Insurance Toolkit:
1. InsurEye credit Navigator will be explained in detail what insurance coverage you have on your credit card
2. Comparison of InsurEye pair show what their peers across Canada pay for your insurance. Thus understood, if paid more, and the insurance providers you choose to save on insurance!
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