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Travel insurance for skydiving
Can I get travel insurance for skydiving?
Even though skydiving is considered a high-risk extreme sport, some travel insurance policies provide cover for it. However, this will depend on the insurer and any applicable conditions.
Keep reading to find out which insurers offer cover and for more information about getting travel insurance if you plan on skydiving.
Compare travel insurance for skydiving
Common travel insurance conditions related to skydiving
Cover for a high-risk activity like skydiving comes with conditions, although the specifics will vary between insurers and policies. For example, your insurer may only cover you for tandem skydiving or for jumps with a licensed operator.
If you do plan on skydiving during your overseas holiday, it’s essential that the policy you choose covers medical assistance and hospitalisation costs in the event of an accident.
Why do I need to tell my insurer about skydiving?
It’s imperative to let your insurer know that you’ll be engaging in a high-risk activity like skydiving.
As long as your claim falls within the travel insurance policy’s definition of what qualifies as “skydiving”, you should have no problem receiving compensation from your insurer. Be sure to read the product disclosure statement (PDS). If you can find the definition in the PDS, get in touch with the insurer for more information.
Will I pay more to be covered for skydiving?
This depends on the insurer and the policy. A plan that caters specifically for adventure travellers is likely to include high-risk activities on its list of automatically covered sports.
Sometimes, an adventure or backpacker policy will cover high-risk sports but not skydiving specifically, in which case you can usually get extra insurance for an additional premium.
Either way, skydiving is an extreme sport, so you need to check whether or not you’re covered in the event of an accident.
Tips for staying safe when skydiving overseas
Here are a few things to keep in mind when skydiving overseas:
- Do your research. Whether you’re a seasoned skydiver or a novice, research the skydiving standards at your destination and compare them with New Zealand skydiving standards. Get in touch with the skydiving operator and ask questions about the procedures in the air.
- Weather check. The weather can make or break your skydiving outing, so make sure you check the weather outlook in advance.
- Health check. Skydiving is an incredibly high-adrenalin activity, so you should make sure you’re in peak physical condition before attempting a jump.
What to do if you’re injured overseas
- Get in touch with your insurer immediately. A policy covering overseas travel comes with 24/7 emergency medical assistance and hospitalisation. If you need to make a claim, download the claims form and send it to your insurer.
- Be thorough. When completing the claims form, be sure to include all the necessary information. Your insurer will not proceed with your claim if the form is incomplete. You might even be liable for a penalty fee for delaying the process.
- Documents. Depending on the nature of your claim, you’ll be asked to submit evidence of your accident, loss or damage sustained. This could include doctor’s reports, police reports, statements from travel providers, proof of ownership, original receipts, travel tickets, luggage tags and itineraries.
- Duty of disclosure. As is the case during the application process, you are expected to be forthright in your account of events when making a claim. Any attempt at defrauding the insurer will result in your claim being rejected and/or your policy being cancelled.
What is adventure travel insurance?
There are insurers out there that specialise in providing adventure travel insurance for those who are going overseas for the specific purpose of participating in dangerous activities such as skydiving, parasailing or paragliding.
You may be able to find cover for activities such as:
- Black water rafting
- Bungee jumping
- Ice fishing
- Jet boating
- Moped biking
- Motorbike riding
- Mountain bike riding
- River rafting
- Rock climbing (indoors)
- Scuba diving
- Sleigh rides
Picture: Getty Images
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