In this part of our guide to activity holidays we look at factors to weigh up prior to booking an activity holiday.

There exist activity holidays that are available for people that have different interests, fitness levels, and experience. Little or no experience is required to participate, simply an eagerness to get out there and try something different.

Your level of fitness is half of the equation, along with your willingness. How well your level of fitness matches the activities you choose will effect how much you enjoy your holiday so you’ll need to think seriously about your own capabilities. Your guide / instructor can only do so much for you and it’s not fair on others in your group if you slow them down and possibly even endanger them.

Age limits are rarely in place but you should contact the activity holiday company prior to booking if you feel your age might be a hindrance to performing an activity. When people have certain disabilities, they nay or may not have barriers to participating in the activities. For most things, an activity holiday company will do all they can to allow everyone to participate, but sometimes this is not possible.

Websites and brochures normally display a rating for each trip that they offer, along the lines of leisurely, moderate or intense. Pay attention to these as they’re shown for your benefit and are based on the experiences of past holiday-goers. You shouldn’t choose a moderate or intense one only because taking a leisurely one will make you appear weak, only do so if you really are up for the challenge.

Other important factors to take into consideration when deciding upon which activity holiday to book are the level of comfort in terms of accommodation, traveling, available facilities, temperature range and likely weather conditions, and the remoteness of the area, likely terrain, altitude and access to emergency services.

Although the tour operators spend a lot of time researching destinations, the routes they take, the equipment and operations, as well as making sure that everything has been tested, there is no way for them to guarantee your safety.

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If you’re traveling overseas, chances are that you are concerned about falling ill at the destination. Atlas travel insurance offers a short-term plan to put to rest just that concern, with a policy that is geared toward those traveling for pleasure, business, and study.

Most of the Atlas international travel insurance plan benefits are medical, and cover a wide range: right from getting to the hospital (ambulance costs), getting treated (outpatient charges) and treatment at the hospital (hospitalization and indemnity benefits). Physical treatmanr is also covered, as are emergency dental procedures. The plan covers the cost of medical evacuation in case of a life-threatening situation, and on purchase of an additional sports rider, even conditions arising from performing risky sports.

Seniors are often uninsured or under insured simply because of the clauses that exclude pre-existing conditions from the policy. If a person under 70 suffers a serious recurrence of a previously existing condition that requires hospitalization, the travel insurance plan covers the medical and evacuation costs. Also, if a covered minor will be left alone when the insured is hospitalized, the plan bears the cost of sending the minor home.

Apart from general medical expenses, the plan also covers costs borne due to natural disasters, both while traveling (for accommodation), and at home. In case the disaster results in damage of the home of the insured, the plan covers his/her immediate travel home. The Atlas travel insurance plan also covers return in case of political chaos and evacuation, and injuries resulting from terrorist attacks. The plan also covers the cost of sending the remains home, in case the insured dies overseas.

The Atlas travelers medical insurance plan provides coverage in the home country with optional 30-day coverage after the plan holder returns home. Additional trips home during the plan period are also covered for up to 15 days in a 3-month period.

Other benefits of the travel insurance plan include help with lost baggage or travel documents, and identifying and working with doctors and lawyers if necessary. The insured does not have to worry about payment if the insured is treated by a PPO network doctor or hospital—the entire sum is covered (after the deductible).

Applicants to the Atlas international travel insurance plan must be at least 14 days old. Plans can be for a minimum of 5 days and a maximum of 12 months, with options for extension. An Web-based client zone helps plan holders work with and perform tasks associated with the plan. Round-the-clock, round-the-world customer service is available through toll-free phone numbers.

The minimum coverage of the Atlas international travel insurance plan is $50,000 and the maximum is $1,000,000. Different premium slabs are available, depending on the coverage requested, the applicant’s age, and whether the risky sports coverage is opted for.

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