Adventure sports cover: What is it and who needs this add-on?

Whether it’s skydiving over scenic landscapes, scuba diving in deep blue waters, or trekking through rugged terrains, adventure sports bring an unmatched thrill. But with high adrenaline comes high risk—making adventure sports travel insurance a must-have for any thrill-seeker.

While a standard travel insurance policy covers common mishaps like trip cancellations and lost baggage, it often excludes high-risk activities. That’s where an adventure sports cover add-on steps in, ensuring protection against medical emergencies, accidents, and unexpected situations unique to extreme sports.

Let’s discover what adventure sports cover add-on is, why you should consider it, and how Zurich Kotak General Insurance can help enhance your travel protection.

What is adventure sports cover?

·       Adventure sports cover is an optional add-on to your base travel insurance policy, offering specialised protection for high-risk activities.

·       It typically includes:

o   Medical expenses

o   Emergency evacuation

o   Compensation for accidents or injuries sustained while participating in adventure sports.

To purchase the adventure sports cover, you need to have an existing base travel insurance policy. The base policy covers standard travel-related risks, such as trip cancellations, lost baggage, or general medical emergencies. The adventure sports add-on enhances this coverage to provide protection for riskier activities.

Important note: Adventure sports cover cannot be purchased on its own and must be added to an existing base travel insurance policy.

Why should you buy adventure sports cover add-on, with your base travel insurance policy?

If you plan to engage in high-risk activities such as bungee jumping, skydiving, or scuba diving, the adventure sports cover add-on is essential. Here’s why:

·       Comprehensive protection:

o   Standard travel insurance often does not cover high-risk adventure sports.

o   The adventure sports add-on expands your coverage to include these activities, ensuring you're fully protected while having fun.

·       Medical coverage:

o   In the event of an accident or injury during an adventure sport, medical expenses can quickly become significant.

o   Adventure sports cover typically includes hospital stays, treatment, surgery, and emergency medical expenses.

·       Emergency evacuation:

o   If you're injured during an adventure sport, the cost of emergency evacuation to a medical facility or repatriation to your home country can be high.

o   The add-on ensures these expenses are covered, providing you with prompt medical care without the financial burden.

·       Peace of mind:

o   Knowing you're covered for potential medical expenses, injuries, or accidents allows you to focus on enjoying your adventures, rather than worrying about possible risks.

·       Accidental death and disability:

o   Compensation in the event of accidental death or permanent disability resulting from an accident during an adventure sport.

·       Trip interruption:

o   Coverage for trip delays or interruptions caused by injuries sustained during adventure sports activities.

Please note that coverage details may vary between insurers. It’s important to carefully read the policy documents to understand the exact terms and conditions of the add-on.

What activities are covered in adventure sports add-on?

The adventure sports cover add-on typically includes a wide range of high-risk activities. The exact list of activities covered may vary depending on the insurance provider. Common activities usually covered include:

·       Skydiving

·       Bungee jumping

·       Paragliding

·       Scuba diving

·       Mountaineering

·       White-water rafting

·       Rock climbing

·       Cave diving

Disclaimer: For a complete list of activities, please refer to the policy wordings.

Why should you buy travel insurance with adventure sports add-on from Zurich Kotak General Insurance?

When it comes to ensuring the best possible protection for your adventure-filled travels, Zurich Kotak General Insurance offers excellent options. Here's why you should choose them:

·       Comprehensive coverage:

o   Zurich Kotak General Insurance provides thorough adventure sports cover, ensuring protection for a wide range of high-risk activities.

o   Our policies offer coverage for medical expenses, emergency evacuation, and more, ensuring you are well-protected during your adventures.

·       Efficient claims process:

o   Zurich Kotak General Insurance is known for its quick and efficient claims process.

o   Our 24/7 support team is ready to assist you in the event of an emergency, ensuring you receive the necessary help as quickly as possible.

·       Global reach:

o   Whether you're travelling to popular tourist destinations or remote areas worldwide, Zurich Kotak General Insurance policies provide global coverage.

o   This makes our insurance ideal for those engaging in adventure sports, no matter where they are located.

·       Customisation options:

o   Zurich Kotak General Insurance allows you to tailor your travel insurance policy according to your specific needs.

o   You can easily add adventure sports cover to your base policy, ensuring you are fully protected for the activities you plan to participate in.

·       Reliable customer support:

o   Zurich Kotak General Insurance provides excellent customer support to guide you through every stage of your policy, from selection to claims assistance.

o   Our team is available to help with any questions or concerns you may have regarding your coverage.

Conclusion

Adventure sports cover is a valuable add-on to your travel insurance policy if you're planning to engage in high-risk activities. The specialised protection ensures you're covered for medical expenses, emergency evacuations, and other risks associated with these activities. Don’t take unnecessary chances—ensure you’re properly protected with the adventure sports cover add-on from Zurich Kotak General Insurance.