This insurance usually falls outside the cover provided by most adventure sports insurance policies. Although some policies do have provision for 'loss of limb' etc., the maximum sum claimable is usually small and out or proportion with the actual loss suffered and, for example, the costs of care for a paralysed adventurer would be unlikely to be covered. Likewise, participants in adventure sports may find that traditional life insurance policies exclude liability for death from accident whilst participating in most adventure sports. Specialist cover, therefore, is required with the specific risk declared and, no doubt, a weighted premium paid. Special care always needs to be taken to make sure that you and your sport are covered.
Some policies require frank and full disclosure of pre-existing medical complaints and problems.
By disclosing this beforehand, and possibly paying an additional premium, all will be fine in the event of a claim. This may not be the case where, inadvertently, you simply did not realise the need to disclose your pre-existing illness. The same applies to the type of sport and where it is conducted. The most common distinction between hill walking and mountaineering used by insurers is when ropes are used. If in doubt about a medical condition or the cover needed for a specific adventure, seek guidance from your insurance agent or from the insurer.