Finding travel insurance when planning to go on long trips and participate in numerous self guided adventure ” high risk ” activities while being an Australian national can be an epic battle…
After watching a close friend go through a freak accident overseas, not even doing anything out of the norm, it really did drum into my head just how important it is to have full cover.
I decided since I put a lot of time and energy into google hunting, calling insurance brokers, agents, specialists and talking to friends who participate in similar activities that I should post my findings to help any one else out who may find themselves in a similar situation.
My goal was to find a multi-trip annual travel insurance policy that would cover me for the main sports I do (Skydiving, Rock Climbing, Free Diving, Hiking etc), and well.. pretty much everything.. I was researching to try get covered for base jumping, mainly for future reference but this one is tricky also.
I must note, that most of this info mainly applies to Australians, if you are from another part of the world such as the US or Europe, chances are you will have better luck.
If I read closely with into some of the product disclosure statements, it was funny to note if you are free solo rock climbing and you have an accident (where you don’t die) you are covered. However if you use ropes you are not.
The best travel insurance companies I found for more “high risk” activities are
Cover More – Covers skydiving but not rock climbing
World Nomads – Covers Rock climbing (with added level 3 protection), but not sky diving (other than one tandem)
Azimuth Risk Solutions – Covers Base jumping and everything, but only to $10 000 (that isn’t very much cover)
What I found is I could not find one company that will cover me for more then $10k for everything. This means I need to take out different policies for different trips, or dual policies for trips I plan to participate in multiple activities. I plan to research the topic more in the future and and updates I find will be added here.
Some factors to consider are;
- You may not need to be covered for the activity you are participating in if you are going with a guided company. If you go say rock climbing or white water rafting for example with guides you may be covered under their insurance. When you are traveling and you plan to give something new a go check if you would be covered under your travel insurance, and also ask what cover you receive under the company you are carrying out the activity with.
- You will most probably not be covered under travel insurance if you are intoxicated in any way.
- Travel insurance not only affects you, but also your family and loved ones. If you are doing something extreme where you could die, getting your body home can be an expensive exercise. #HarshReality
Some tips I use for looking after friends and travel companions, as well as my self;
- Take a photo of your travel insurance policy number and emergency contact details into your smart phone. You can now send this to friends and family members both at home and traveling. This would be helpful in case of emergency when you are un-able to assist in providing these details.
- Mainly for participating in high risk activities, but also a great idea is to discuss with travel partners what to do in certain situations. Some activities you really have to trust the choices of the people with you in times of emergencies. Having a conversation about this can make others aware of how you would like to be treated if a situation arises. Also it lets them know how you would care for them. This is great on the mind when it comes to fear and (calculated) risk taking.
What ever policy you do choose, it is best practice to read your PDS before you leave so you are aware what you are covered for. You will probably find there is a few things there you did not realise you were covered for!
Please let me know if this helped you in any way,
And please, do your best to never need the cover!
Hi, I’m Ian and I have made it my life mission to travel and experience everything this world has to offer. Follow me on my quest to live outside the boundaries of conventional society and see the world through the eyes of all our fellow inhabitants. I hope to inspire and motivate you to make your own path in life and push your own limits.