where to adventure travel in indonesia

I don't like spending the money either. However, for peace of mind, take out insurance which offers health cover, as well as loss and/or damage to luggage, including laptops and cameras, all in one package. If you are into adventure sports, make sure that your favourite activities are covered as well, just in case you have a mishap. Since I am a scuba diver, I recommend that divers check out DAN membership as well.

In all the years I had been traveling, I made one single claim, and came very close to not taking out travel insurance any longer, and for some very short trips I must admit, I didn't bother. But then I decided to go on indefinite leave of absence from my job in Cairns, and took out insurance for 12 months. $1200 is a lot of money, but since I was going to spend all my time diving and traveling around South East Asia, traveling on my own, I felt that it was absolutely essential that I was covered.

Sure doctors' consultations and medications in this part of the world are cheap, compared to western countries, but what about the costs if you need to stay in a hospital?

About 10 months into my trip, I was in the unfortunate situation to find out. Somehow I got a very bad bacterial infection in my leg, which, if left untreated, could have resulted in my leg having to be amputated. Within 30 minutes of seeing a doctor I was in hospital and on intravenous antibiotics. The 10 day stay in hospital, in a ward reserved for westerners and wealthy local patients (not that I asked for it, but it was deemed that being in a ward for locals would have been rather traumatic), plus medication and specialist doctors' visits, would have cost me approximately $3500 - so in one fell swoop the insurance premium paid for itself. The biggest bonus, of course, is the fact that I still have both legs.

So if you are tempted to "save" on insurance - don't. It's not just that you are financially covered, but you also have someone to talk to when you are worried. My insurance company, for example, phoned me from Australia every couple of days in Indonesia, just checking that I was comfortable with the care and treatment I was receiving. The only thing which did not work was the 24 hours emergency phone number, as I tried to call from my mobile phone. When I tried to make a reverse charges call, as instructed on the little card I had from the insurance company, that did not work either, as the Indonesian telephone providers don't let you make reverse charges calls, so I emailed the insurance company a couple of days after I was admitted to hospital, which was fine. It might be worthwhile checking out before you leave home, whether the company you take out insurance with, has a 24 hours emergency number which can be reached by mobile phone - even if you can't reverse the charges.

Most insurance companies these days let you take out a policy online, and also online, extend your cover whilst traveling. If you take out travel insurance through your local travel agency, check if you can get a discount, as insurance companies pay travel agents quite a big commission.

enjoy your trip - maybe we meet along the way.

Sybille

For more travel tips check out my website http://www.divetravelindonesia.com

Whether you are camel riding in the Sahara desert, ice climbing in Alaska, diving with great white sharks in Mexico, trekking in Nepal, or doing any other adventure at some other place, you will have to make sure that you are thoroughly covered under a good adventure travel insurance plan. Misfortunes don't come knocking at your doors. Mishaps and accidents are very much likely in these extreme forms of travel. Such adventure activities are usually not covered under the conventional insurance policies. Following is a step-by-step guide on how to buy a special policy to get coverage for your travel adventures.

Review Your At-Home Medical Insurance

The first thing that you have to do is to look into the terms and conditions of your at-home medical insurance policy. You should particularly check the exclusions section. Most traditional policies include adventurous activities, such as scuba diving, whitewater rafting, and other such things under exclusions. It means if you get injured because of such activities, you will not be covered. But, at the same time, most insurers also offer special provision where you can buy supplementary adventure travel insurance especially for your trip. If you don't find all the details in your policy document, you should give a call to your insurance provider and know the options available to you.

Is It An Organized Tour?

If your adventure travel is an organized by a tour company, you should ask the company if insurance is covered within the price of the traveling package. Even if the package does not include the cost of insurance, you can still buy it additionally from the same tour company. Many make it mandatory - you can't join the tour team if you don't purchase adventure travel insurance for the trip. Make sure that the amount of coverage is neither too high nor too low. It must be sufficient enough to protect you against the possible misfortunes during your trip.

Get Recommendations From Your Tour Company

If your trip is not organized and you are going on your own, you can ask the tour company to recommend some good insurance companies and plans. It is worth going with their recommendations because they are in this industry and they very well know which insurers offers the best plans and services for such adventure trips. When they make recommendations, their reputation is at stake. So, it is very unlikely that they will offer you bad suggestions.

However, if you are one of those adventure addict travelers who frequently go for such trips, you had better consider obtaining a permanent adventure travel insurance plan. A good plan from a reputed insurance company will not cost you more than $20-$30 per month, but you will be covered for injuries and related medical expenses - no matter which part of the world you are traveling in. Overall, if you keep in mind the above things, you can easily provide optimum protection to the money you paid for travel adventures.

Adventure travel insurance offers coverage and protection against the risks involved with adventure activities like trekking, scuba diving, and mountain biking. The web portal, Finance enquiry, includes relevant information concerning the available types of travel insurance plans.