Not all holidays and excursions are for a relaxing time in the sun; some are designed to give holidaymakers a jolt of adrenaline and something completely different from the nine-to-five.
Australians have a close relationship with sports of all kinds, and you may be going on holiday to indulge in a little competitive play. However, does this affect your ability to have travel insurance, and can you even find cover if you're planning for some more extreme activities?
The answer is 'yes' – at least for most activities. What's more, it's quite important that you look into protecting yourself in this way if you're planning on being an adrenaline junky abroad.
Why you should consider travel insurance when playing sport
Sports injuries are common. According to the Australian Institute of Health and Welfare: "during 2011-12, over 36,000 people aged 15 and over were hospitalised as the result of an injury sustained while playing sport," the organisation explained.
"This represented 8 per cent of all injury hospitalisations during that year. Around two-thirds of those admitted to hospital were aged under 35 and over three-quarters were men."
If you get injured abroad and need medical treatment, you won't be able to use Medicare or your private health insurance benefits. Without financial cover, you may find yourself paying excessive amounts for health care abroad.
When we consider that sporting injuries are often things like broken bones and muscle tears, emergency treatment will be needed. Meanwhile, travel insurance provides financial assistance should you fall foul of sporting injuries or accidents when on your next holiday.
Will I pay a premium?
Again, the answer is likely to be 'yes'. Generally, the premium you will pay for coverage rises depending on how dangerous the activity is. Some of the most dangerous and costly activities include:
- Shark cage diving,
- White-water rafting
- Hang gliding
- … and plenty of others.
You'll need to identify which of these you're likely to do as you're purchasing travel insurance, whether it's before a round-the-world trip or just a weekend away.
However, for those travelling on a budget, the extra expense involved in extreme activities can often be countered by being smarter with how you find travel insurance.
Lowering the cost of travel insurance
There are plenty of insurers in Australia who will cover for either relaxing beach holidays or adrenaline-filled excursions. Finding the best deal and most suited policy depends on looking far and wide.
As well as dealing in health insurance, HICA helps people find travel insurance. Using our network, we can find savings of up to 30 per cent for eager travellers, meaning even a policy to cover significant dangers and sporting injuries can be that little bit more affordable.
Give us a call today to find out more, or get a quick quote online.