It is a good idea to purchase travel insurance before you embark on any holiday. Even if your plans are relatively safe such as driving in the countryside and picnicking, you need travel insurance. If your plans include bungee jumping, skiing, off-roading, swimming with sharks or any other highly hazardous activities, going without travel insurance is not an option. The truth is that accidents happen on all types of holidays, but they happen more frequently during adventure or thrill-seeking holidays.

Taking an adventure holiday does not guarantee that you are going to get injured. Hopefully, all will go as planned and you will not have to file a travel insurance claim. But if something does happen, travel insurance could prove to be invaluable. The following are five reasons why you need travel insurance on an adventure holiday:

1. Small Injury = Huge Expense – Even minor injuries could result in major expenses. When you are traveling abroad and become injured, you will likely have to visit the emergency ward of a hospital located near to where the injury occurs. Even if the services only involve X-rays and a splint, the cost for such emergency services could be exorbitant.

2. Medical Coverage Not Accepted – Most types of medical coverage do not pay for medical treatment received abroad. If you find yourself in a foreign hospital, they will charge you directly for the cost of treatment. Travel insurance goes where you go and covers any medical expenses incurred. This is true even if you plan to visit several countries on your holiday.

3. Increased Chance of Injury – Injuries are common on all types of holidays, but they are especially common on adventure holidays. Just being in unfamiliar surroundings increases your chance of becoming injured. Rock climbing only increases those chances.

4. More than Medical – In addition to paying for any medical expenses, travel insurance can reimburse holiday expenses if your holiday is cut short due to injury or illness. It is depressing enough to spend your vacation recuperating, but it is even more depressing to have to pay for a vacation that you did not get to enjoy.

5. Affordable – Travel insurance is very affordable. Most policies only cost 5 to 8% of the cost of the holiday. There are also policies that cover everyone that goes along with you on your holiday. This means that you can be reimbursed for a cancelled holiday if someone in your group gets injured and cannot continue on.

If you plan to do anything adventurous or strenuous on your holiday, you should definitely purchase travel insurance.

It’s just not worth the risk to travel without it. You need insurance regardless of how adept you are at your planned activity. Accidents can happen to anyone. You could very well be injured through no fault of your own while engaging in a risky activity. While you cannot be blamed for all that might happen, you alone are responsible for planning for all eventualities whether they are expected or unexpected.

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