Travel Insurance for Excursions: What’s Covered?
What’s a vacation without a little fun? When traveling to a new country, excursions offer a unique way to explore the local scenery. These excursions, especially those on the adventurous side, can add an element of risk to a trip.
Squaremouth explains how travel insurance can protect travelers that plan on enjoying excursions throughout their upcoming trips.
Does Travel Insurance Cover Excursions?
Yes, travel insurance does offer some protection for excursions. For travelers that purchased a single trip policy that includes the Trip Cancellation benefit, your policy may be able to reimburse your excursion expenses if you were forced to cancel your trip and can no longer partake in the activity.
For certain activities, a plans travel medical benefits may be able to cover the costs of any injuries or other medical emergencies that arise from participating in an excursion. However, it’s important to keep in mind that not all sports and activities are covered under standard travel insurance policies.
Which Excursions May Not Be Covered?
Popular cruise excursions, such as jet skiing, snorkeling, deep sea fishing, and tubing, among others, are often excluded by travel insurance policies. This means, in the event of an illness or injury that occurs while participating in the excluded excursion, all related travel insurance claims will be denied. This includes medical or interruption claims.
For a full list of excluded activities, Squaremouth recommends reviewing your policy documents or contacting your travel insurance provider directly.
How Can I Get Travel Insurance for Excursions?
Travel insurance providers understand that excursions are a part of travel, and many have created policies that include benefits specifically for customers that want to add some adventure to their trip.
Travel insurance policies with the Sports & Activities benefit are designed to cover travelers who are participating in sports or adventurous activities, including excursions, that may otherwise be excluded. With this benefit, travelers can denote which activities they plan to partake in to search for a policy that is well-suited for their needs. In addition to popular excursions, some of these policies can also cover travelers while participating more adventurous activities, such as windsurfing and scuba diving.
To search for travel insurance to cover your excursions, travelers can use Squaremouth’s Adventure Travel Insurance activity selection matrix.