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L'assurance voyage pour les aventuriers

Tuesday, September 20, 2022 Dernière modification le Monday, September 26, 2022

Cinquième article d’une série intitulée Assurance pour les aventuriers, en hommage à nos intrépides aventuriers de l’équipe Wild Raven qui traversent présentement le Canada en canot. 

L’exclusion pour les sports extrêmes

De nombreuses polices d’assurance voyage ont des exclusions pour les sports extrêmes. Chaque compagnie a ses propres critères, mais plusieurs excluent d’emblée l’alpinisme, le parachutisme, les courses et les compétitions sportives. Certaines compagnies vont jusqu’à exclure toute activité ou sport qui comporte un risque plus élevé de blessure. Si vous aimez essayer de nouvelles choses en voyage ou si vous pratiquez déjà un sport « à risque », il vous faut la bonne police d’assurance!

Comment choisir le bon fournisseur

Il y a deux façons de voir si la police d’assurance qui vous intéresse est celle qui vous convient. Consultez le texte de la police ou le site web afin de voir ce qui est exclu. Si vous ne pouvez pas consulter le texte intégral de la police et que le site ne mentionne pas d’exclusion, cela ne signifie pas pour autant que toutes vos activités seront couvertes. Le représentant qui gère votre soumission est là pour cela. Expliquez-lui le programme de votre voyage et la liste des activités que vous comptez faire. Il pourra répondre à vos questions et vous dire si son produit est adapté à vos besoins

L’assurance des bagages

L’assurance voyage offre une protection complémentaire pour assurer vos bagages. Plusieurs personnes choisissent cette option même si leur assurance habitation couvre déjà l’ensemble de leurs biens personnels. L’assurance des bagages couvre non seulement la perte, la destruction ou le vol de vos biens partout dans le monde, mais aussi, les frais occasionnés par un retard. Si vous partez en voyage avec de l’équipement sportif ou technique d’une certaine valeur, vérifiez si l’assurance bagages suffit ou si vous devez assurer l’équipement sur votre police d’assurance habitation en tant qu’objet expressément désigné.

Pour une couverture complète à un prix compétitif

ClicAssure vous offre la possibilité en quelques clics d’obtenir les meilleures couvertures en assurance voyage au meilleur prix. Économisez temps ou argent en prenant quelques minutes pour remplir notre formulaire de demande de soumissions.  

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