Why You Need Travel Insurance for Active Sports
When you’re planning an active sports adventure—whether it’s a thrilling ski trip in the Alps, a high-energy hiking tour, or a surf expedition to a tropical beach—excitement is often accompanied by a nagging worry: what if something goes wrong? Injuries, lost gear, or unexpected travel interruptions can derail your trip and leave you in a tough spot without the right protection.
This is where specialized travel insurance for active sports becomes essential. And with a company owned by Nationwide for travel insurance active sports, you’re not just getting a standard policy—you’re getting a plan tailored to meet the specific needs of active sports travelers like you.
In this article, we will explore everything you need to know about Nationwide’s travel insurance for active sports, including the types of coverage, benefits, how to choose the best plan, and why this particular company is a trusted choice for those venturing into high-risk activities. By the end, you’ll be well-equipped to make an informed decision and secure the protection you need before your next big adventure.
What is the Company Owned by Nationwide for Travel Insurance Active Sports?
The company owned by Nationwide that specializes in travel insurance for active sports is designed to fill the gap that most general travel insurance policies leave. Standard travel insurance may offer basic protection like medical emergencies and trip cancellations, but it often doesn’t cover the unique risks associated with high-adrenaline activities such as skiing, mountain biking, rock climbing, or scuba diving.
Nationwide’s subsidiary focuses on providing specialized coverage for these types of risks, ensuring that active sports enthusiasts have the financial protection they need while traveling.
Why Active Sports Insurance is Different
When it comes to active sports, the risks involved are higher than traditional travel. Injuries can occur during the most routine activities, and medical treatment in foreign countries can be expensive, especially in remote areas where you may not have easy access to care. For these reasons, customized travel insurance is necessary. The company owned by Nationwide for travel insurance active sports provides a policy that covers:
- Medical Emergencies: Injuries while participating in extreme activities.
- Trip Interruption: Coverage if your trip is cut short due to an injury or unforeseen event.
- Sports Equipment Coverage: Protection against lost, damaged, or stolen equipment.
- Repatriation: Emergency evacuation and return to your home country in case of serious injury.
By focusing on active sports, this company offers a plan that ensures you’re covered in ways that generic insurance plans simply can’t provide.
Coverage Options for Active Sports with Nationwide-Owned Travel Insurance
When you choose a travel insurance plan for active sports, you want to ensure that you’re getting coverage that matches the risks involved in your activities. Below are the essential types of coverage provided by the company owned by Nationwide.
Medical and Emergency Coverage
Active sports can lead to injuries, and when you’re traveling abroad, access to healthcare may be limited or costly. A key component of Nationwide’s active sports travel insurance is medical coverage, which includes:
- Emergency medical treatment: Includes doctor visits, surgeries, hospital stays, and emergency medical supplies.
- Emergency medical evacuation: If you need urgent care that isn’t available locally, this policy covers the cost of evacuation to the nearest medical facility, or even back to your home country.
- Ambulance services: Coverage for emergency transport, whether by air or land, to get you to the care you need.
Trip Cancellation and Interruption
Active sports can sometimes be unpredictable, and injuries or unforeseen events can ruin your plans. With trip cancellation and interruption coverage, you’re protected in case:
- You need to cancel your trip due to illness or injury before you leave.
- A trip is interrupted, and you need to return home early because of an emergency.
- Non-refundable travel costs, such as flight tickets, accommodation, or event tickets, are reimbursed if your trip is cut short due to a covered reason.
Lost Baggage & Sports Equipment Coverage
Imagine arriving at your ski destination, only to find that your ski equipment didn’t make it onto the flight. Or you’re hiking through remote trails and realize your camera gear is gone. These are the types of situations that can make a trip stressful—unless you have coverage in place.
- Lost or damaged baggage: If your personal belongings or travel gear are lost, delayed, or damaged during your trip, you’ll be reimbursed.
- Sports equipment coverage: This includes coverage for lost, stolen, or damaged gear essential to your active sports, such as skis, surfboards, bikes, or hiking equipment.
Liability Coverage
Sometimes accidents happen, and you may inadvertently cause harm to others or damage property during your activity. Liability coverage ensures you are protected against claims resulting from:
- Accidental injury to another person.
- Damage to property owned by someone else.
Repatriation and Emergency Evacuation
In the worst-case scenario, an injury or illness might be so severe that you require repatriation—the process of returning to your home country for treatment or, in the case of a death, the return of your remains. This kind of coverage can be lifesaving, especially if you’re participating in activities that take you to remote locations or regions with limited healthcare facilities.
How to Choose the Right Travel Insurance for Active Sports
Choosing the right travel insurance for active sports can be a daunting task, especially with so many options available. To ensure you get the best coverage at the best price, follow these key steps:
Assess Your Needs
Before shopping for a policy, think about your trip and the activities you plan to engage in. Ask yourself:
- What specific active sports will I be doing? (e.g., skiing, scuba diving, rock climbing)
- How long will I be traveling?
- Am I traveling to a remote area or a high-risk location?
These factors will help you decide what type of coverage is necessary. For example, if you’re planning a skiing trip, you’ll need coverage for both emergency medical treatment and sports equipment. On the other hand, if you’re just hiking, you may only need basic medical evacuation coverage.
Compare Coverage Plans and Prices
Not all travel insurance plans are created equal, so take the time to compare your options. A simple comparison table can make this process easier.
| Plan Type | Premium Cost | Coverage Offered | Key Exclusions |
|---|---|---|---|
| Basic Active Sports | $75 | Medical, trip cancellation, lost baggage | Does not cover extreme sports |
| Comprehensive Plan | $120 | Full medical coverage, emergency evacuation, repatriation | Limited extreme sports coverage |
| Ultimate Protection | $150 | Complete medical, trip cancellation, gear protection, liability | Some extreme sports excluded |
Read the Fine Print
Always review the details of any policy. Key exclusions may include:
- Pre-existing conditions: If you have a medical condition prior to purchasing insurance, make sure you know how it affects your coverage.
- High-risk activities: Some extreme sports might require an additional rider to be covered.
- Geographic limitations: Some policies may not cover travel to certain destinations with travel advisories or risks.
Why Choose the Company Owned by Nationwide for Travel Insurance Active Sports?
Reputation and Reliability
Nationwide is one of the most recognized and respected names in the insurance industry, and their subsidiary for active sports insurance is no exception. When you choose their travel insurance for active sports, you are trusting a company with a solid track record of providing reliable, comprehensive insurance for millions of travelers.
Tailored Protection for Active Sports
Unlike general travel insurance, the company owned by Nationwide for active sports specifically designs its coverage for the needs of travelers engaging in high-risk activities. From skiing in the mountains to trekking across rugged terrain, you’ll have the coverage that directly applies to your activities.
24/7 Customer Support
Active sports can take you to remote corners of the world where emergency services may be limited. Fortunately, Nationwide’s subsidiary offers 24/7 customer support, ensuring that you’ll always have someone to call in case of an emergency—no matter where you are.
Frequently Asked Questions (FAQ)
- What’s the difference between standard travel insurance and active sports travel insurance?
- Standard travel insurance doesn’t cover activities like skiing, scuba diving, or rock climbing. Active sports travel insurance is specifically designed to cover these risks.
- Does my insurance cover extreme sports like skydiving or base jumping?
- Active sports insurance can be tailored with optional add-ons for extreme activities like skydiving, paragliding, or base jumping. Be sure to check with your provider.
- How do I know which travel insurance plan is right for me?
- Consider the length of your trip, the sports you’ll be engaging in, and the level of coverage you need. Compare options based on coverage and price to choose the best plan.
- Can I buy insurance after I’ve already booked my trip?
- Yes, you can purchase travel insurance anytime before you leave for your trip, but it’s best to do so as soon as possible to ensure you’re covered for trip cancellation and other unforeseen events.
Conclusion: Don’t Leave Home Without It
When you’re embarking on an active sports adventure, don’t leave your safety to chance. Travel insurance for active sports from a company owned by experts in adventure travel ensures you’re protected every step of the way. Whether you’re skiing down alpine slopes, diving into crystal-clear waters, or hiking rugged trails, you can focus on the thrill while your insurance handles the risks.
With comprehensive coverage tailored to your adventurous spirit, you’ll have peace of mind knowing that medical emergencies, equipment losses, and trip interruptions are all taken care of. So, gear up, chase your passions, and let your insurance take care of the rest.
