Travel/Health Insurance

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I am going to Portugal for a week and I am whit VHI but I am going to be doing some water sports do I need to get other insurance like from www.insureandgo.com or will my VHI cover me?

FYI I think I am with plan A but could be wrong.

mikedragon32

Here's a list of exclustions, quoted from their T&Cs:

MultiTrip wrote:

• The Insured Person engaging in or practising for the following sports and activities: bobsleigh, solo caving, cave diving or pot-holing;
canyoning; aqua-lung diving below 30 metres; racing of any kind other than on foot; solo mountain climbing; hang-gliding; heli-skiing;
high diving; hunting/shooting; hunting on horseback, horse jumping, polo, point-to-point, steeple-chasing or horse-racing of any kind;
hurling; luge; micro-lighting; off-piste skiing or snowboarding (except when accompanied by a qualified guide but with no cover under
Section 7 - Personal Liability and Section 8 - Personal Accident); parasailing; para-skiing; quad biking; safari with guns, shark feeding/cage
diving; skeleton; ski-jumping, racing or stunting; flying or taking part in other aerial activities except whilst travelling as a fare-paying
passenger on a licensed airline; boxing, wrestling, karate and any form of martial arts or unarmed combat; professional sport; weight
lifting; white water canoeing, white or black water rafting (grades 5 and 6); yachting outside territorial waters; or any other specially
hazardous pursuits or activity except when organised as a holiday interest where You are given tuition by experts employed by the local
organiser. If You are undertaking a hazardous pursuit or activity and are in any doubt as to whether cover will apply, please
call the Multi Trip Travel Helpline on +353 46 9077358.

http://www.vhi.ie/pdf/products/multitrip_terms.pdf

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Thanks
Cant see surfing there so I would be covered by VHI if anything happened?

mikedragon32

See the last sentence of the passage quoted... If in doubt speak to the insurer. Better they tell you definitively rather than some bloke on the interwebs telling you what he thinks!