Essential travel insurance for water park vacations – Forbes Advisor

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Water parks can be a great choice for families who want an activity-packed vacation.

Water parks can be indoors, outdoors, or a combination, and feature attractions like water slides, wave pools, water play areas for toddlers, and more. Indoor water parks are particularly appealing to guests because they are sheltered from inclement weather and parents might feel the setting is more low-key.

Maybe check out the water parks at Wisconsin Dells, or maybe head to Galaxy Erding in Germany or Watercube in Beijing.

The question is: do you need special insurance for a water park vacation? We take a look at the possibilities.

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Theft in water parks

Water parks get overcrowded, and it can be nerve-wracking to keep track of kids and all their belongings. Although there are rental lockers that can be used to store valuables such as cameras, wallets, and backpacks, not all items can be stored.

Maybe you’re carrying a small wallet or have baby stuff that can go missing while you’re in the Lazy River.

homeowner & pension insurance cover theft of your belongings even when you are not at home. You need a police report to file a theft report, so keep that in mind.

For an expensive and/or international trip that involves a water park, you might want to look at travel insurance options. If you’re making large, non-refundable deposits for travel, travel insurance is a good financial safety net in case you have to cancel. This may include refunds of deposits lost on flights, hotels and pre-paid excursions.

“If your personal belongings are stolen while on a trip at a water park, they may be covered by the loss of luggage and personal effects on your travel insurance,” says Steven Benna, a spokesman for Squaremouth, aka travel insurance comparison provider. This service can reimburse you for items that are lost, stolen or damaged during your trip.

But lost baggage coverage in travel insurance is not designed to cover expensive items. Some policies have baggage loss limits as low as $500 total. More generous policies offer reimbursements of up to $2,500, such as AIG Travel Guard’s Deluxe plan, April’s VIP plan, and Berkshire Hathaway’s LuxuryCare plan. AXA Assistance USA’s Platinum Plan offers $3,000 for damaged and stolen baggage and personal items.

The best approach is to leave expensive jewelry and electronics at home or make sure they are fully insured with you household insurance Politics.

Injury at a water park

Of course, slippery floors and wild rides can lead to injuries. Your US health insurance will cover you within the country. If you are planning a trip to a water park outside of the United States, where your health insurance plan may not provide coverage, consider travel insurance travel health insurance. Travel insurance can also provide medical coverage within the US, but check if the medical coverage is primary or secondary to your US health plan.

Travel medical insurance “can cover the cost of an ambulance and related hospital services, as well as other medical expenses that may arise,” says Benna.

However, travel insurance would not cover any liability claim against the water park. That would be a separate legal right.

Health insurance on vacation

Water parks can be ripe for viruses, colds, and foodborne illnesses. Just like with injuries, your US health insurance plan can cover you within the US. A travel health insurance plan can cover you both in the United States and abroad.

If you are specifically concerned about Covid-19 and are relying on travel insurance for medical assistance, make sure the plan covers Covid-19. Some plans exclude it. See Forbes Advisor reviews best pandemic travel insurance plans.

About three in five Americans don’t know if their U.S. health insurance covers overseas doctor or hospital visits, according to a survey by travel insurance comparison provider InsureMyTrip.

“Travelers who are unsure whether they have insurance coverage should contact their health insurance provider to determine if emergency medical care extends outside of the United States.

Golden says you might find you have to stay on the network for coverage, you have limited coverage, or there’s no coverage at all outside of the country. Travel insurance with health insurance can fill these gaps.

Summary: Water Park Vacation Insurance

  • Lost deposits due to trip cancellation: Non-refundable and prepaid deposits may be covered by travel insurance. This includes flights, hotels and prepaid excursions.
  • theft of things: Covered by homeowners or renters insurance anywhere in the world. May also be covered by the lost luggage and personal effects protection of a travel insurance plan.
  • Injury and illness: Covered by your US health insurance in the United States; Check for restrictions such as B. Requirements within the network. Consider travel health insurance when traveling abroad. Travel medical insurance can be used inside and outside the United States

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