Skydiving for Your Next Big Film Shoot? Here's What You Need to Know About Skydiving Insurance

Filming while skydiving is on many a filmmakers bucket list, but it doesn’t come without it’s risks. Skydiving is a high-risk sport where a person can cause harm not only to themselves but also to others. 

That is why skydiving travel insurance differs from other types of insurance in its coverage and requires special attention and consideration.

In this article, we shall speak about how to select skydiving travel insurance and what important coverage points you cannot miss in any case. 

Let’s get started! 

Why Is Skydiving Travel Insurance Different? 

There is a common misconception that skydiving insurance is not much different from typical travel insurance. Yet, it is not always so. Most insurance companies exclude high-risk activities, such as skydiving, scuba diving, or bungee jumping, from their standard travel insurance plans. 

This is because these activities involve high risks, and the equipment that may be damaged during such activities is costly to fix or replace. 

Moreover, in skydiving, landing is not always predictable, and the health and properties of others may be damaged during such activities. 

What Does Skydiving Insurance Cover? 

Skydiving insurance covers medical costs, equipment damage, and costs associated with liability claims resulting from damage to the health or property of others. The factors that influence its cost include the jumper’s experience level, the number of jumps, and the location. 

Usually, the skydiving travel insurance has several types of coverage: 

• Liability claims: If a person causes damage to others during jumping or landing, the insurance company covers allegations and other related expenses. 
• Medical expenses: Since skydiving can lead to various injuries, the respective medical insurance should cover hospital bills, surgery costs, rehabilitation costs, and the fees associated with transporting family members in the event of an emergency. It should also cover the costs of ambulance transportation, whether between hospitals or as a part of a rescue mission. Typically, such insurance should include dental care for dental work needed due to jumps. 
• Property damage: Skydiving travel insurance typically covers the venues, equipment, or facilities used during skydiving experiences. Usually, this is the property of companies that provide skydiving services. Such insurance should also cover damage to the aircraft used for skydiving, both while on the ground and during the jump. The instances covered may be as severe as the damage due to the fire. 

Additionally, life insurance is a necessary consideration when going skydiving, and it is a crucial element of any skydiving insurance policy. 

Why Do You Need A Skydiving Insurance? 

The first reason a person needs skydiving insurance is mentioned above, and it is the fact that ordinary travel insurance usually excludes risky activities. 

The second reason is the high cost of equipment and utilities associated with skydiving, which may cost tens of thousands of dollars. For example, a jumper may damage a parachute or its essential parts, which is quite an expensive equipment in any country. Comprehensive insurance covers such things.

It is also important to mention that rescue operations can be costly and may cost a person anywhere from $3,000 to USD 300,000. 

If you go skydiving in foreign countries, the costs of medical assistance, such as emergency dental care, are not free for foreigners and may be highly costly.

Therefore, having well-planned skydiving insurance with comprehensive coverage is a benefit for adventurous travel. 

Things Excluded from Skydiving Insurance

With all of that, skydiving travel insurance is not only about sunshine and rainbows. There are things travel insurance providers exclude from coverage. Most often, they include: 

• Pre-existing health conditions: the medical issues that existed before the travel may not be covered by the insurer. So, it is essential to consider that. 
• Negligence: When travelers disregard safety guidelines, the injuries incurred in such cases may not be covered by insurance with some providers unless the insurance is comprehensive and high-cost. 
• Illegal jumps: Unauthorized, non-licensed jumps or jumps in forbidden locales get excluded from insurance coverage in case of an incident. 
• Weather conditions: Some insurance companies do not cover accidents resulting from poor weather, so it is essential to check with your provider whether this point is included in your insurance agreement. 

Exclusions like these may catch travelers off guard and cause considerable uncertainty during the trip. Therefore, it is advisable to be aware of all the rules in the fine print to ensure you do not violate any of the conditions during your activities. 

Final Words

When engaging in high-risk activities in a foreign country, proper education about insurance policies and coverage is necessary, as it is a sign of a mature traveler who knows how to prepare for unexpected situations in their life and minimize the impact of them with less friction and unnecessary effort.