Did you know that travel insurance does not cover certain risky activities in most of their plans, but can provide added coverage for many of these activities? It’s very important to let us know your recreational plans; so we can properly insure you. The list varies slightly by insurance provider, but you are generally not covered for any loss resulting directly or indirectly from activities including — but not limited to — the following:

• Skydiving, BASE jumping, hang gliding, or parachuting
• Bungee jumping
• Caving, rappelling, or spelunking
• Skiing or snowboarding outside marked trails or in an area accessed by helicopter
• Climbing sports, mountain climbing or free climbing
• Any high-altitude activity such as hot air balloons
• Personal combat or fighting sports
• Racing or practicing to race any motorized vehicle or watercraft (other can go-karts)
• Free diving
• Scuba diving at a depth greater than 60 feet or without a dive master
• Multi-sport endurance competitions
• Professional athletic events
• Rafting/kayaking above Class V rapids or canoeing above Class III rapids
• Running of the Bulls, or rodeo activities

We recommend reading your plan documents carefully to find out what’s excluded from coverage and understand that an activity may be excluded even if it’s not specifically named in your plan or addendum.