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Does Flight Insurance Cover Helicopter Flights?

October 9, 2010 By Damian Tysdal

flight-insurance-helicopterIf you are vacationing in a place where helicopter tours are available, you may want to take the opportunity to experience the thrill of riding in a helicopter. A helicopter tour is fun and exciting, and it offers a spectacular bird’s eye view of the wonderful sights that can be found in your travel destination. Helicopters are considered a safer generally a safe form of transportation. Nevertheless, when helicopter accidents do happen, the consequences can be tragic. Therefore, you should make sure that you are properly insured against helicopter accidents if you are planning to go on helicopter tours during your vacation.

One thing you have to know is that ordinary flight insurance only covers air travel, and it does not provide protection against accidents that occur during helicopter flights. There are very few insurance companies that offer helicopter flight insurance, because most vacationers do not go on helicopter tours. If you spend some time searching on the Internet, you should be able to find a travel insurance provider that has a special coverage for helicopter tours. Before you decide to purchase helicopter flight coverage, you should find out from the helicopter tour operator if it provides insurance for its customers. Some helicopter tour companies carry public liability insurance, and their insurance companies will provide compensation for all customers who are involved in accidents that happen during their helicopter tours. Nonetheless, you should ask your helicopter tour company how much compensation they will be paying in case of accidents, so that you will know whether it is necessary for you to get extra coverage.

If you are planning to obtain helicopter flight insurance from an insurance company, you should make sure that the coverage offers sufficient compensation. Helicopter accidents can result in very serious injuries, and victims may have to undergo extensive medical treatment. In an affluent country that has high medical costs, treatment for serious injuries, such as fractures or brain injuries, costs at least thousands of dollars. If you do not have a travel insurance policy and you get involved in a helicopter accident, you may have to pay your hospital bills up front. This can turn a fun and wonderful holiday into a nightmare. If you are well insured against helicopter accidents, you can get partial or full reimbursement for your hospital bills.

Filed Under: Learning

About Damian Tysdal

Damian Tysdal is the founder of TravelInsuranceReview, and he believes travel insurance should be easier to understand. See more from Damian on Google+.

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