When you opt for the accident travel insurance policy, you have insured yourself for any expenditure that might come up if you get hospitalized or need treatment for your injuries that you might have sustained. This insurance plan takes care of any such expenditure that might incur due to accidental injury. Therefore, anyone who plans to go on a vacation should get himself/herself insured under an accidental travel insurance plan.
There are many factors that govern the accidental travel insurance plan as well. One of these factors addresses the kind of journey that you are likely to take. A normal travel insurance plan takes into account accidental injury due to a road accident or say, slipping on the stairs of the hotel, and then the insurance company ensures that you get paid the total coverage for your treatment. However, if you are sports enthusiast and have got injured during skiing, then the insurance company will also pay for your treatment, though subjected to the fact that you had declared at the time of purchase of the insurance plan that you would indulge in adventure sports on your journey. This is a clause that has to be declared at the time of the purchase of the insurance plan. Under such circumstances, your case is considered special and the insurance premium is assessed at a higher amount, owing to the high risk that the insurance company will have taken in insuring you. Compare AA travel insurance for a low cost deal.
The chances of an accident occurring are definitely higher when one is involved in adventure sports and if one is a regular, then it is more likely that the claim will be filed due to injuries sustained on the travel.
If one does not declare that one is a regular sports enthusiast and is involved in adventure sports at the time of the purchase of the accident travel insurance, then in an event of an accident the insurance company can refuse to pay the claim on the grounds of incorrect information being provided.
This is why one should always divulge all the information required by the insurance company to help it assess the insurance premium correctly.