Those traveling for the purpose of sports may seek an insurance policy in the event of an accident during these activities, however athletes looking for travel insurance coverage for sporting activities or competitions will find that coverage will be very limited. While traveling athletes may be able to protect themselves while participating in sporting and outdoor activities, coverage is dependent on the activity.
The first step to finding coverage for participating in sporting activities is to review a policy’s exclusions. Popular vacation activities, such as snorkeling or skiing, can be covered on many basic policies without upgrading with additional hazardous sports coverage.
Travelers who will be taking part in activities that are considered more dangerous, like BMX, mountain climbing and surfing, will typically need to purchase the hazardous sports waiver if available. However while this does provide coverage for a wider range of activities, not every sport will be covered when purchasing a hazardous sports waiver. Therefore, it is important for travelers to carefully review their policy certificate to understand which activities will be excluded.
Participation in sporting competitions, whether amateur, collegiate, or professional, will typically be excluded on most travel insurance policies. Travelers looking for coverage for these specific activities, should look for specialized insurance plans designed for participation in competitive sporting events.
Other commonly excluded sporting activities include any form of racing, professional sports, and extreme sports, like base jumping, heli-skiing. Unfortunately, travelers will find it very difficult to find coverage for any of these activities through comprehensive travel insurance and specialized sports plans.