Diving, surfing, climbing, hiking… Would you like to take advantage of your trip to indulge in some sporting activities? What you may not know is that many travel insurance policies do not cover some of these activities. An injury could therefore have serious consequences not only for your health, but also for your wallet.
Emergency medical insurance covers certain sports activities, but the circumstances determine what’s covered and what’s not. For example, a hike on a marked trail does not carry the same level of risk as a trek up a steep mountain.
The following sports are generally covered by a conventional travel insurance policy under normal circumstances:
SUMMER SPORTS
WINTER SPORTS
Don’t take any chances and check with your insurer to see if your activity is covered.
Since this is traditional travel insurance, the same types of coverage are offered, including emergency medical expenses, trip cancellation and interruption, and baggage insurance. protections The athlete in you will be happy to know that the following expenses may also be covered, depending on your coverage choices:
If the activity you participated in was not covered, you will be responsible for all expenses incurred (hospitalization, medications, ambulance transportation, treatment). In the U.S., for example, surgery for a broken leg costs about $7,500, while a three-day hospital stay costs nearly $30,000. That’s why it is essential that you take out an insurance policy before your departure in order to avoid going into serious debt.
Advice
If you’re tempted by a sporting activity during your trip, call us to see if you need additional coverage in addition to your standard travel insurance.
While participating in a surfing competition in Costa Rica, Marco’s board hit his face, resulting in an open wound and broken nose. Because the village clinic did not have the facilities to treat this type of injury, he was airlifted to a nearby town for emergency medical care. After facial surgery and other treatments, he was finally released from the hospital.
| Air ambulance fees | $42,351.68 |
| Hospital fees | $23,510.66 |
| Doctors’ fees | $1,358.11 |
| Provincial healthcare | -$916.92 |
| Amount paid by the insurance company Amount paid by Marco | -$66,303.53 $0.00 |
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* As a competitive surfer, Marco had taken out additional insurance for high-risk sports.
To meet the growing needs of our more adventurous customers like you, we have developed products designed to cover risky activities. Whether you play an individual or team sport, for fun or as part of a competition, you’ll be protected from accidents, even if your sport is considered high-risk.
How much does this additional coverage cost?
The premium will vary according to the following factors:
Contact one of our certified representatives to find out if your activity requires additional coverage.
Here are a few high-risk sports that are covered:
If you do not see your sport on this list, please don’t hesitate to contact one of our certified representatives for a personalized consultation tailored to your specific situation.
