{"id":854,"date":"2018-12-03T17:06:40","date_gmt":"2018-12-03T10:06:40","guid":{"rendered":"https:\/\/www.pacificprime.co.th\/blog\/?p=854"},"modified":"2018-12-03T17:06:40","modified_gmt":"2018-12-03T10:06:40","slug":"travel-insurance-that-covers-your-adventurous-life","status":"publish","type":"post","link":"https:\/\/www.pacificprime.co.th\/blog\/travel-insurance-that-covers-your-adventurous-life\/","title":{"rendered":"Travel insurance that covers your adventurous life"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Thailand\u2019s one of the best places in the world to go for any type of vacation: there are plenty of luxurious resorts in the country, but there is also something for thrill-seekers in the Land of Smiles. Those who seek adventurous experiences are usually also those who put themselves at a higher risk of an accident, or even death. Therefore, it is extremely important for adventurous international travelers to understand that they need to obtain a special travel insurance plan with extreme sports benefits to cover the costs of hospitalization, medical evacuation, and any other travel and health-related matters.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:{&quot;1&quot;:0},&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-1' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.co.th\/compare-quotes\/?campSource=PPTH-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=Blog_Banner&utm_content=single\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-415\" src=\"https:\/\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2022\/12\/WP-Banner-revamp-final-20221207_1.-Single-final.jpg\" alt=\"Individual health insurance banner\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The importance of travel insurance <\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Literally all <\/span><a href=\"https:\/\/www.pacificprime.co.th\/plans\/travel-insurance\/\" target=\"_blank\" rel=\"noopener\"><b>travel insurance policies<\/b><\/a><span style=\"font-weight: 400;\"> provide cover for emergency hospitalization, medical evacuation, and body repatriation, as these items represent the core idea behind trip insurance. Since the cost of medical treatments, as well as that of medical evacuation, return, and overall trip cancellation, can be high abroad, travel insurance policies are designed to safeguard you against any financial burden those situations may create. On top of accidents, Thailand is a place where many other <\/span><a href=\"https:\/\/www.pacificprime.co.th\/blog\/2018\/11\/19\/2018-thailand-health-risks-travelers-overview\/\" target=\"_blank\" rel=\"noopener\"><b>health dangers<\/b><\/a><span style=\"font-weight: 400;\"> await the unprepared. To protect you in a more comprehensive way, travel insurance policies also include benefits such as:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">trip cancellation and interruption, <\/span><\/li>\n<li><span style=\"font-weight: 400;\">money and luggage insurance, <\/span><\/li>\n<li><span style=\"font-weight: 400;\">emergency dental treatment, <\/span><\/li>\n<li><span style=\"font-weight: 400;\">accompanying person,<\/span><\/li>\n<li><span style=\"font-weight: 400;\">travel disruption<\/span><\/li>\n<li><span style=\"font-weight: 400;\">personal liability <\/span><\/li>\n<li><span style=\"font-weight: 400;\">and others<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">However, as in any insurance policy that has ever been written, there are exclusions; and extreme sports, among some other items, are almost always excluded.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Travel insurance for extreme sports: how does that work?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">First, you must keep in mind that different insurers have different lists of extreme or hazardous sports and activities, and have risk tier lists for almost anything you can do during a holiday. Swimming with sharks is insurable, however with a slightly higher premium, whereas rock climbing in a remote area without ropes, instruction, and experience, most probably won\u2019t be. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most popular tourist activities such as zip lining, snorkeling, wakeboarding, and even surfing and white water rafting are usually already covered in standard travel policies. For anything that is not included in the standard policy, a traveler must obtain additional coverage &#8211; such as for a specific type of activity or sport he or she is planning to do.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Which sports are usually covered under a standard travel insurance policy?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Most travel insurance plans will cover certain, low-risk holiday adventure sports, such as banana boating, mountain biking, etc, with certain conditions. These conditions almost always mean that all those activities must be performed under the supervision of a licensed\/professional instructor, and\/or you have all necessary permissions and licenses to \u00a0engage in such a sport or activity (driving license, P.A.D.I license, etc.), and that you took all necessary precautions to avoid injury. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Common extreme sports terms and exclusions<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A common exclusion in almost all travel insurance plans is for hazardous activities. Hazardous activities are all sports, activities, or experiences that could pose a high risk of injury, and require you to take additional precautions to avoid injury or claim. Those precautions depend on the activity, but if you are hurt while riding a bike in the mountains in Thailand without a helmet, or scuba dive without a license, an insurance company might decline your claim, as you endangered yourself and did not use all precautions to avoid injury. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Quite often personal accident or personal liability benefits are excluded for a wide range of \u201cextreme\u201d sports. Some are only covered if those activities fulfill policy conditions such as doing such sports\/ activities with a licensed guide or instructor, and some are excluded altogether and can be added as an addition to a standard plan. These, depending on the travel insurance policy provider, include: <\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Canyoning<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Cave diving \/ Cavern diving (recreational visit only is covered) <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Freediving<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Martial arts training (<\/span><a href=\"https:\/\/www.pacificprime.co.th\/blog\/2017\/07\/24\/injury-insurance-muay-thai-thailand\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">including Muay Thai<\/span><\/a><span style=\"font-weight: 400;\">)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Parachuting<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Hang gliding<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Mountaineering up to 6,000 meters <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Paragliding\/parapenting<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Rock climbing<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Skydiving (solo)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">And others, as per policy <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As you can see the list is long. As such, <\/span><a href=\"https:\/\/www.pacificprime.co.th\/\" target=\"_blank\" rel=\"noopener\"><b>Pacific Prime Thailand<\/b> <\/a><span style=\"font-weight: 400;\">recommends that you plan your adventures in advance, and buy a plan with extended coverage for those sports you will be participating in.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4609,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0,&quot;15&quot;:&quot;\\&quot;Arial\\&quot;,\\&quot;sans-serif\\&quot;&quot;}\"><div class='code-block code-block-8' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/cost-of-health-insurance-2023\/?campSource=PPTH-Blogutm_source=blogutm_medium=bannerutm_campaign=Blog_Bannerutm_content=COHI23\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-416\" src=\"https:\/\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2023\/06\/COHI-2023-WP-banners-Version-03.jpg\" alt=\"COHI 2023 Banner\" width=\"1138\" height=\"493\" \/><\/a><\/p>\n\n\n\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to compare travel insurance policies and choose the best one?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">One way <\/span><a href=\"https:\/\/www.pacificprime.co.th\/compare-quotes\/step-one\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">to compare travel insurance<\/span><\/a><span style=\"font-weight: 400;\"> policies is to ask yourself a few questions about your needs. Finding out how often you travel and what possibly dangerous activities you plan on doing is one way of narrowing down your choice. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s take a look at the duration of stay. There are few travel insurance choices: Single trip travel insurance, multiple trip insurance, and annual travel insurance. Depending on the frequency of your trips, you can either buy single trip policies, or &#8211; if you\u2019re a frequent traveller &#8211; an annual policy. For those looking for to have continuous and comprehensive cover, <\/span><a href=\"https:\/\/www.pacificprime.co.th\/individual-health-insurance\" target=\"_blank\" rel=\"noopener\"><b>global health insurance<\/b><\/a><span style=\"font-weight: 400;\"> might be the best solution. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Other things to consider when buying a travel insurance policy is that there are plenty of things that are <\/span><b>not covered<\/b><span style=\"font-weight: 400;\">, such as any treatments resulting from pre-existing conditions, ongoing natural disasters, unnecessary dental care, treatment for mental or emotional disorders treatments, and more. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">An experienced <\/span><a href=\"https:\/\/www.pacificprime.co.th\/blog\/2017\/11\/06\/insurance-broker-find-one\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">broker<\/span><\/a><span style=\"font-weight: 400;\"> can help you create your travel or global medical plan according to your needs. Whether you need short-term coverage for freediving, a cave-exploring mission, or simply cycling through rice paddies, <\/span><a href=\"https:\/\/www.pacificprime.co.th\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">contact our team at <\/span><b>Pacific Prime Thailand<\/b><\/a><span style=\"font-weight: 400;\">. We can help you find your ideal benefits, so that you can enjoy your stay and relax (or excite) yourself without financial worry. \u00a0<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:{&quot;1&quot;:0},&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-6' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.co.th\/compare-quotes\/step-one\/?campSource=PPTH-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=Blog_Banner&utm_content=quote\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-417\" src=\"https:\/\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2022\/05\/PPTH_Gen_01.jpg\" alt=\"Get a Quote CTA Banner\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Thailand\u2019s one of the best places in the world to go for any type of vacation: there are plenty of luxurious resorts in the country, but there is also something for thrill-seekers in the Land of Smiles. Those who seek adventurous experiences are usually also those who put themselves at a higher risk of an &#8230;<\/p>\n","protected":false},"author":9,"featured_media":856,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[10],"tags":[672,436,687,434,682,683,688,685,686,684,127,689],"class_list":["post-854","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","tag-ban_cohi","tag-ban_sin","tag-compare-travel-insurance","tag-cta_gen","tag-extreme-sports","tag-extreme-sports-travel-insurance","tag-international-traveler","tag-single-trip-policy","tag-thailand-travel-insurance","tag-thailand-travel-insurance-exclusions","tag-travel-insurance","tag-water-sports"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Travel insurance that covers your adventurous life - Pacific Prime Thailand<\/title>\n<meta name=\"description\" content=\"Do travel insurance offers coverage for surfing, ziplining, and night safari? 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Learn about common travel insurance exclusions in Thailand and worldwide.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.co.th\/blog\/travel-insurance-that-covers-your-adventurous-life\/\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime Thailand&#039;s Blog\" \/>\n<meta property=\"article:published_time\" content=\"2018-12-03T10:06:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2018\/12\/pexels-photo-416676.jpeg?fit=1138%2C493&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1138\" \/>\n\t<meta property=\"og:image:height\" content=\"493\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"elwira\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"elwira\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Travel insurance that covers your adventurous life - Pacific Prime Thailand","description":"Do travel insurance offers coverage for surfing, ziplining, and night safari? 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