Extreme Sports or Working Abroad? Make sure you have travel insurance cover

A recent accident in Australia which has left a 23 year British woman in a coma and her parents facing a bill of more than £100,000 for her medical treatment and repatriation back to the UK, highlights the importance of getting the right travel insurance to cover sports and activities.

The woman from Chorley was badly hurt in a quad bike accident on 30 December whilst doing a year's work experience on a farm in Tasmania. Although she had travel insurance in place the policy that was purchased did not include cover for manual work of the type being undertaken or the riding of quad bikes. As a result of this her parents are now faced with the mammoth task of raising the money to pay for her medical treatment and repatriation.

This very sad incident highlights the importance of making sure you have the appropriate travel insurance cover in place if you are going to be taking part in any extreme sports or working abroad.

Most travel insurance policies will provide cover for a selection of sports and activities as standard, as well as providing the option to upgrade your travel insurance cover to include more extreme sports and activities.

The obvious one is ski insurance, most people wouldn't dream of going skiing without making sure that their travel insurance included ski cover. You should treat other sports, activities or manual work abroad in the same way.

If you are unsure about what classes as an extreme sport check the terms and conditions of your travel insurance policy.

Insurewithease.com provides travel insurance cover for 25 sports and activities as standard, including cycling, surfing and scuba diving to a depth of 18 metres. There is also the option to add extra cover to your travel insurance policy for over 100 other sports and activities, including quad biking and manual work.

More information about insurewithease.com travel insurance for sports and activities.

Don't worry if you don't know what activities you might take part in before you go away, we appreciates that this can be difficult, particularly if you are buying backpacker insurance to cover a gap your or long stay abroad. You can call us to add additional cover for sports and activities after you have bought your travel insurance policy, even whilst you away. It may seem like a hassle, but it could save you thousands of pounds of medical fees if you have an accident.

In summary, before you take part in any sport or activity whilst you are away, just spend a minute to check whether you have travel insurance cover for it - if you don't, think carefully about whether it's worth the risk of taking part.

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