Travel insurance can be a great boon--especially for people heading out on Big Adventure trips involving lots of fun--and lots of opportunities to get hurt. But here's a specialized type of coverage that is now available for tourists pursuing another kind of high-energy endeavor--sports!
First instituted in Great Britain but now--working in conjunction with international insurers Seven Corners, Inc.
--available in the United States as well, Dogtag travel insurance covers more than more than 500 different sports, clients include everyone from first-time voyagers to seasoned veterans and, yes,all of the insured are issued identification dogtags like the famous military IDS, which include not just information about themselves but all the necessary numbers to call in case of an emergency.
Policies cover everything from typical recreational activities to extreme adventurous sports and are offered in four different tiers of service: Sport, Sport+, Extreme, and Extreme+, with "Sport" being the most basic while Extreme+ is designed with truly dangerous adventures in mind.
Some of the activities that fall into Dogtag's Sport level of coverage include bungee jumping, sailboarding, camping, cycling, and trekking up to 4000 meters (13,123 ft.). The Sport+ level supports downhill mountain biking, sailing, heli-skiiing, whitewater rafting among others.
Extreme coverage is designed for such adventures as canyoneering, rock climbing, paragliding and hiking via ferratas. And, as you have probably guessed, the Extreme+ level covers the most demanding and dangerous activities, such as ultra-marathons, BASE jumping, and high-altitude mountaineering.
Most of us will find everything we plan to do on our trips is covered by the first tier, but more active travelers may need to ratchet their coverage up a notch or two, depending on the nature of their itinerary.
And some of the most popular and iconic trips in the world include treks to the summit of Mt. Kilimanjaro in Africa and expeditions to Everest Base Camp in Nepal, both of which fall under the company's "Extreme" level of coverage.
Dogtag even insures ultra-extreme expeditions, such as trips to both the North and South Pole, which fall outside the traditional Dogtag four-tier system. These travelers are required to provide detailed plans about their expedition before coverage can be offered, but policies can be made available even for those looking to truly push themselves to the extreme.
Besides providing customers with dogtags that are laser-engraved with their name, personal tag number (policy number), and 24/7 emergency contact details, the program also supplies medical personnel with a special online webpage that includes vital information about the insured such as the customer's blood type, medical history and current medications..
Dogtag customers receive up to $1 million in medical benefits as well as emergency evacuation coverage with their policies. Not surprisingly, the program is specifically designed to fill in where traditional policies don't--or won't--cover. Many tourists are surprised, for instance, to discover that their plan doesn't cover them at all while traveling abroad.
Others won't pay for medical expenses for injuries that have been sustained during active sports. And many sports enthusiasts learn this the hard way after trying to collect on payments for medical bills--and found out they're too late.
How much does coverage cost? That depends on what kind of activities you intend to pursue while on your trip, the length of your travels, and the age of those insured. For example, a plan that offers $500,000 worth of medical coverage for a 47-year-old male participating at the "Extreme" level on a 10-day trip costs about $200. All things considered, that's a relative bargain in exchange for the piece of mind that comes with such a policy.
Travelers living in the U.S. should visit SevenCorners.com/dogtag to request a quote. Filling out the online form takes just a minute or two, and it could be the best investment you make...after buying your airline ticket.