• Annual Travel Insurance Blog

  • Thursday, March 22, 2018

  • Annual Travel Insurance: Accidental Death and Dismemberment Exclusions

    Filed Under: Blogging

The more you travel, the more you are exposed to risks. Annual travel insurance is a cost-effective solution to cover for many expenses deriving from different traveling risks. Accidental death and dismemberment are two of the circumstances people do not want to think about. Unless specifically allowed for in your policy, you may want to take a look at the situations that will be excluded from coverage:

• Participating in amateur athletics, contact sports or other forms of organized sports activities.
• Mountaineering, aviation, bungee jumping, parachuting, hang gliding, or skydiving.  All of these activities will exclude you from benefits in case accidental death or dismemberment occurring while participating in them.
• Snow skiing and snowboarding are not covered unless they are for recreational purposes and on specially built slopes. Also, skiing against the advice of any authority in the field will exclude your from coverage.
• Racing is also considered a high risk and is not covered by most annual travel insurance companies, irrespective if it is racing by any animal or racing by a motorized vehicle.
• Spelunking is another factor that will exclude you from coverage benefits.
• Underwater pursuits may not bring you any benefits in case of accidental death or dismemberment. You can be eligible for coverage if your underwater pursuits are not more than 10 meters deep, you are accompanied by an authorized instructor, and you use certified breathing equipment.
• Jet skiing is not covered by annual travel insurance.
As a rule, any sport activity which exposes the policyholder at abnormal risk levels of accident or death, performed for entertainment purposes only, will most likely exclude you from coverage.

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