Leisure Sports Travel Insurance
Most travel insurance policies will enable you to participate, on a recreational, amateur basis, in a wide range of leisure and sporting activities within their standard terms and conditions. As these activities may differ from Insurer to Insurer it is important to select the correct policy to cover you for the activity you wish to participate in. It is important to remember you will not be covered for participating in any activity on a professional basis. Examples of leisure activities include abseiling, pony trekking, snorkelling and windsurfing.
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Our approach has always been to offer the traveller the choice when it comes to travel insurance. Following a simple quote stage where we determine your needs, the policy options are laid out on screen in such a way that you can easily see what is covered and more importantly whats not covered under each policy.
Customers who are interested in the most cost effective options have the ability to further reduce the policy prices by removing elements such as baggage and cancellation cover and increasing the excesses.
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Did you know?
£7,000 – Legal fees when a 5-year old fractured his arm after riding his bike into a hole at a Spanish campsite. (1)
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Comprehensive travel insurance for leisure sports covers the policyholder for insurable events that may occur before or during travel, such as trip cancellation/interruption, medical expenses for injury or illness, theft of valuables, baggage damage and more. The cost of travel insurance is based on the type of cover requested, the age of the insured, the destination of travel, the length of stay, type of activities covered and whether you have any pre-existing medical conditions. We have a wide range of available travel insurance policies available to suit all needs.
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Every day, travel insurers paid out more than £1 million in claims, of which 56% were for medical expenses. (2)
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What about the EHIC, Isn't that enough?
The European Health Insurance Card or EHIC is designed to ensure that you will receive free or reduced cost emergency medical treatment in any of the EU member countries - plus Switzerland - and is available for those aged 16 and over free of charge.
It is important to remember that the EHIC is for emergency hospital visits only and will not entitle you to any other form of treatment. It will also not cover the cost of emergency repatriation to the UK if needed and will not pay for any of the other benefits associated with a travel insurance policy including baggage, cancellation, personal liability, cover etc. To find out more about the European Health Insurance Card, please click here.
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Did you know?
The UK Government is suing some EU states for refusing to honour UK residents EHIC Cards. Travellers are forced to use cash points in Hospitals abroad to pay for emergency care upfront and told to reclaim from the NHS upon return
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Leisure Sports Travel Insurance is available for:
Individuals, Couples of either sex who reside at the same address and families
Durations between 1 day and 15 months
Cover for trips in the United Kingdom, Europe and Worldwide including Australia, United States & Canada
Available on single trip, long stay and annual multi trip policies
Cover for travellers aged up to 99
Travellers with pre-existing medical conditions including standard cover for over 1000 conditions
The fine print
Medical coverage
Limits and Exclusions
(1) Chartis claims record (by email). November 2010.
(2) UK Insurance KEY FACTS 2014. https://www.abi.org.uk/~/media/Files/Documents/Publications/Public/2014/Key%20Facts/ABI%20Key%20Facts%202014.pdf