Medical Travel Insurance Coverage Is Not Optional For The Adventure Tourist

Medical travel insurance coverage is an essential component of travel planning especially when travelling abroad. Most people when they see or hear the words "travel insurance" immediately think of cancellation coverage or lost baggage protection. After all, that is what most travellers end up purchasing. However, for the adventure tourist something a little more comprehensive is recommended for their adventure insurance & travel coverage.

Is bungee jumping covered by your medical travel insurance coverage?

Medical travel insurance coverage is a must have for the adventure traveller. It's your security net should you find yourself in need of medical attention. Given the fact that you're likely going to be participating in some sort of physical activity this coverage really isn't an option.

However, you have to make sure that the coverage you choose will provide the necessary protection. If you're not planning on doing any high risk extreme sports I highly recommend checking out

One of the first things I look at when deciding upon adventure insurance & travel protection is not what's being covered but what the policy excludes. Most medical travel insurance policies provide comparable coverage, it's what they don't cover that separates them. Therefore, pay close attention to the exclusion clauses.

Many policies will single out certain activities for exclusion, such as mountain climbing, hang gliding etc. If you plan on trying any of these activities while on vacation you'll more than likely need to purchase a "hazardous sports" or "extreme sports" insurance rider.

You should also pay close attention to what costs the provider is willing to pay for up front. Some providers will only reimburse you later for costs incurred. While others will cover those costs only if you call them first for directions to their nearest service provider of choice. These details are important to know because if you don't follow their explicit instructions on how to proceed or where to go for service they may only cover a certain percentage of the costs or worse- none at all.

Where To Find The Best Medical Insurance For Extreme Sports Travel

Big White Ski Resort in Kelowna, BC Canada

If you're planning on booking your trip through an authorized travel agent or agency they'll be able to provide you with an appropriate plan based your activities. However, if you plan on doing all the booking yourself that means you'll have to find your own insurance provider and package.

In my opinion one of the best provider of medical insurance for travel particularly when it comes to extreme sports is WorldNomads.com. This company offers a wide range of travel products and services. On their site you will find:

• Insurance Quotes
• Language Guides
• Destination Guides
• Travel Journals
• Travel Scholarships
• Contests & Competitions

All of which are offered for free on their website. Plus, there's one main feature they offer that really separates them from the pack- flexibility! Most insurance providers require you to purchase your policy before you leave on your trip and they rarely if ever allow you to extend it while travelling. WorldNomads.com allows you to do both.