Want to swim with dolphins? No problem, but want to do the same with
sharks, even from inside a cage, then that’s a ‘whole new kettle of
fish’, no pun intended! We do want you to have a ‘whale of a time,’
there he goes again, but it all boils down to the small print in the
policy.
Want to make sure? Then dive straight into the Hazardous Activities
section first, and not the ocean, and all should be revealed or not as
the case may be. Many of us assume that we are covered for that one-off
opportunity that always presents itself when we are on holiday. Perhaps
it’s because we are feeling relaxed and taken in by the smooth patter
of the ‘Holiday Rep’ and sign up for the night time ‘toboggan run’ or
once in a life time ‘bungee jump’ but how many of us think “does my travel insurance cover this?”
Most travel insurance
policies will have a list of sports and hazardous activities that are
included as standard and even offer, with the payment of an additional
premium, cover for activities at the more extreme end of the sporting
spectrum. But it does pay to look closely at the small print in your
policy as this is an area where, buying cheap travel insurance,
if we stick with the fish theme again, will definitely bite you if you
‘shrimp’ on the cover. Having an accident can be very costly, after the
event, and your travel insurance will definitely not cover you if the activity you have chosen to do is not on the approved list.
Your travel insurance policy is there to pick up
the pieces when it all goes wrong, and not just in a figurative sense.
Surgeons can do marvellous things these days with body parts that have
become detached, even as a result of shark diving, but it will
definitely cost an ‘arm and a leg’ if you don’t have the travel insurance cover in the first place!
Keith McGregor is a partner of Strawberrysoup, a web design agency with offices in Chichester and Bournemouth. Strawberrysoup specialise in creative web design, content managed websites, search engine optimisation, search engine marketing and graphic design
