Among the different requirements established in the Tourism Decree in the Canary Islands for companies that are part of this area (you can consult them in our article: “Regulation of Active Tourism in the Canary Islands”), establishes the obligation to have a accident insurance that covers the assistance and possible damages that the users may suffer during the development of the activities; as well as the rescue, transfer and assistance derived from accidents and the payment of possible fees that may accrue for the provision of these services when the mobilization of personal and material means assigned to the Emergency and Rescue Group of the Autonomous Community of the Canary Islands is required. .
What coverage should the Active Tourism accident insurance in the Canary Islands include?
- Rescue and transfer. Costs of search, rescue, transfer and assistance services derived from an accident in the provision of active tourism activities; including the payment of fees for the mobilization of the Emergency and Rescue Group teams. A capital of €6.000 is advisable, since it is the amount established by the Government of the Canary Islands in the last modification of the Active Tourism Decree. Check the redemption rates set by the Government of the Canary Islands.
- Accidental death. Compensation of the amount established in the policy, in the event that the insured person/s die as a result of an accident derived from the Active Tourism activity. A minimum capital of €6.000 is recommended.
- Permanent disability. Compensation of the amount established in the policy in the event that the insured person(s) suffer permanent disability as a result of an accident derived from the Active Tourism activity. – A capital of €6.000 is advisable.
- Healthcare. Health expenses required by the insured person(s) as a result of an accident derived from the Active Tourism activity. – A capital of €6.000 is advisable.
What should you take into account when taking out Active Tourism Accident insurance in the Canary Islands?
It is very important to check that the accident insurance that you are going to contract or that you have contracted, includes the rescue and transfer coverage of the user, since it is the new guarantee requested by the Decree of Active Tourism in the Canary Islands; and most insurance companies do not include it.
On the other hand, the rest of the guarantees mentioned are common in most accident insurance on the market, although we recommend checking their capital and limits.
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