How to avoid accidents on your vacation

Most medical expenses are incurred as a result of accidents or falls. Here is a list of some of the most accidents that can happen during travel, and useful tips on how you can reduce such risks:
 

• Extreme adventures
  As you travel around the world, you will have a never-ending list of extreme adventures to try. However, the excitement of new experiences can lead to overlooking normal safety precautions. Even the most experienced travellers can fall prey to accidents due to various reasons such as negligence, alcohol, or even drugs.
  
  Aside from ensuring that you are physically and mentally ready for the challenges, it also wouldn’t hurt to do a little research on how to prepare for these extreme adventures. Your checks should include the types of safety equipment you should be wearing, the provider’s safety record and the quality of equipment, none of which should be taken for granted. You might also want to check if your travel insurance covers extreme adventures before signing up.
  
• Scuba diving
  Scuba diving can be very dangerous, but you can lower the risks by properly conditioning and preparing for the adventure. Talk to your physician and ask for a medical examination (if necessary) to ensure that you are fit to engage in this activity before signing up.
  
• Mountaineering
  Mountaineering has its own share of danger for travellers. The changing weather, unpredictable terrain, and thin air are just some of the reasons why you are advised to take necessary precautions before climbing a mountain. To avoid these mishaps, always listen to your body and follow your guides’ instructions. Gear up and be attentive by following sensible safety precautions. Do not succumb to peer pressure and continue the climb when your body is already under extreme strain.
• Swimming
  The risk of drowning is high in both swimming pools and open water. Some of the main factors that can increase the risk of drowning include lack of close supervision of children and weak swimming skills - including as a result of alcohol consumption. Another tip is always to follow the rules and regulations in the holiday destination. Keep in mind that lifeguards may not be able to prevent accidents. 
  
• Driving
  This is relevant not just for drivers but also for pedestrians and cyclists. Checking left and right before crossing can be a simple life-saving step. Road accidents occur more frequently in developing countries since vehicles in these countries may not have seatbelts or are more likely to be in suboptimal condition. Wearing a seat belt reduces the risk of a fatal injury by up to 50% for front seat occupants and 75% for those in the rear.
  
  For drivers, in addition to taking these steps for a safe self-drive holiday, be careful when driving in crowded areas and be sure to take breaks when driving long distances. If you have to drive straight from the airport after landing in a foreign destination, be sure to take regular breaks and to stop if you feel tired.

When it comes to travelling, it's always essential to ensure you are covered for unexpected events. Don’t leave your travel plans to chance and get covered with Chubb's travel insurance offerings.