Recreational activities covered by insurance can vary by company. Most standard plans cover activities like skiing, scuba diving, and snowboarding. You might need to upgrade your plan or get additional coverage to participate in more dangerous activities like rock climbing or skydiving.
Many insurance companies also offer add-on plans that let you extend your coverage to activities like hiking, camping, and sightseeing. These plans are less expensive than purchasing a plan for every activity. You may however have a higher deductible, limit on benefits, or a smaller coverage limit. Some insurers offer special policies for kids. It’s advisable to shop around and compare different plans to find the right fit for you. Great Southern Agency in Tomball, TX offers you this guide in navigating recreational insurance.
What Are Some Common Recreational Activities That Are Covered?
Insurance can be used to protect against the cost of many leisure activities, such as sports, travel, and hobbies. If something happens that causes you to pay high medical bills, your policy could cover it.
If you are on vacation and are involved in an automobile accident, that could be covered by your policy. Your policy could cover if you are taking up a new hobby, such as collecting stamps, and it damages someone else’s property.
If you are taking a trip and are delayed due to bad weather, your policy could cover that.
The list of activities that your health insurance may cover can vary by plan. Many plans offer partial or full coverage for fitness activities like yoga and weight lifting. It may include other activities like sailing and ice skating.
Some plans may also offer coverage for diet and nutrition programs, ranging from Weight Watchers to a program that helps you increase your intake of fruits and vegetables.
Finally, you may also be covered if you undergo a treatment such as acupuncture, massage therapy, or physical therapy to help you manage stress, impacting your physical health. For recreational activities’ coverage, consult Great Southern Agency in Tomball, TX.