What Does A Sports Insurance Cover?

Do you usually practice adventure or risk sports on your trips? Enjoy them then with a sport insurance. These are their coverages and advantages.

These are the coverage of sports insurance, which in turn includes travel insurance

What is sport insurance?

A sports insurance is advisable for those who are going to practice risk sports on their trips. The main advantage of sports insurance like Totalsports is that they cover the traveler at all times, whether during the practice of adventure sports or the rest of the trip. Therefore, when you take out a sports insurance you are also assuming the guarantees of travel insurance: cancellation and interruption, medical assistance, incidents with transport or luggage, etc. Unlike other insurance, getting the maximum return on the sport insurance is quite easy.

What sports does Totalsports cover?

Those who practice as an amateur during your trip. In particular , this InterMundial sports insurance covers more than 100 between ground, water, air and winter sports with cycling jackets from Extrareference.com.

  • Sports ground: climbing / rappelling, trekking / hiking, trains (rack, Artouste, etc.), caving, canyoning, dog shooting, road bike, mountain biking / MTB, horse riding, horseback riding, motocross , Karts, quads, pocket motorcycles, boogie cars, tennis, paddle, golf, bungee jumping, archery, paintball, airsoft, rancheras activities, aerotrim, American track, sports gymkhana, horse carriages, canicross , Slackline, BMX, enduro, skateboard, trail running, tirolina, via ferrata, laser tag, sandboard, kite buggy, running, highline, zorbing, mountaineering and mountaineering.
  • Aerial sports: helicopter flight, hot air balloon and captive, parachuting, free fall, wingsuit, sky surfing, BASE jump, paragliding, hang gliding, paramotor, paratrike, ultralight and non-motorized flying.
  • Water sports: snorkeling, snorkeling, surfing, windsurfing, kitesurfing, water skiing, wakeboarding, bodyboarding, catamarans, sailboats, canoes, kayaks, downhill / rafting / hydrospeed, light craft, jet skis, jet skis , Motor boats, pedal boats, banana / bob bus, waterball, beach games, flyboard, paddle surfing, swimming, freediving, bodyboarding, scuba diving, deep sea fishing, deep sea fishing and canoeing.
  • Winter sports: skiing, cross-country skiing, cross-country skiing, snowboarding, snowshoeing, sledding and derivatives, ski lift, ice skating, ice crampons, snowmobiling, ice go-karting, , Freestyle skiing, freestyle snowboarding, artistic skiing, monoskiing, ice climbing, heli-skiing, mushing, skijoring, snowbike and snowkite.

What trips are useful?

The Totalsports Sports Insurance covers you in all the countries of the world, whether in trips of few days or in all those that realize during a year. In fact, getting an annual sports insurance is the most economical option in case you are going to move from home more than 9 days a year.

What are the coverage of sports insurance?

As we have already mentioned, in addition to travel insurance (medical assistance, repatriation, accident compensation, luggage or transport problems, civil liability, etc.), sports insurance solves problems arising directly from the realization Of sports activities, such as health, accident, rescue, sports equipment, pass or classes contracted.

  • Medical assistance: If you need urgent care on the spot because of an accident or illness, the insurance covers the costs of medical consultations, interventions, hospitalization and prescribed medication or diagnostic tests. In the case of diving, the costs of treatment in a hyperbaric chamber are also covered.
  • Search and Rescue: If you lose or you suffer an accident practicing one of the activities covered and it is necessary that rescue services intervene, the insurer covers expenses derived from the location and rescue. Depending on the type of rescue, the means to ensure maximum efficiency (helicopter, sled …) will be used.
  • Repatriation and health transport: With a sports insurance, as with the travel insurance, you are guaranteed to return home in case of accident or illness, as the insurance company organizes and costs the transfer to your home or the most appropriate hospital To your needs.
  • Prosthetics and crutches: Injuries are a recurring issue when playing sports at risk, so it is better to be prepared. If you suffer an accident and the medical team determines that you must use prostheses or crutches urgently in situ, the insurance company will bear the expenses of the same.
  • Rehabilitation: In case of injury you practice any of the covered sports, Totalsports will cover the expenses of the rehabilitation clinic of your choice.
  • Sports equipment: In case of loss of luggage or sports equipment invoiced , the insurance company will use all means at their disposal to locate them and, if they are found, let them arrive at no cost. Otherwise, you will be paid the amount corresponding to the value of the luggage. In addition, in case of delay in the delivery of the suitcases you must rent the equipment or buy essential products, the insurance company will assume the expenses. In the case of snow sports, if the ski or snowboard equipment is accidentally broken in the premises of the station, the insurer will bear the cost of renting the equipment.
  • Loss of contracted services: If by accident, illness, or closure of the station you can not practice snow sports, the insurance company will reimburse your ski pass costs. The same goes for the classes you had paid for.

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