Travel Insurance For Extreme and Adventure Sports

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It’s no secret that sports and adventurous activities are more risky than other past-times. You might be the type of traveler who loves to experience something adrenaline-pumping and we admire that. Traveling around the world offers so many different ways to get an adrenaline rush, whether it’s skydiving or scuba diving, but it’s important to keep a couple things in mind before you go all in.

person scuba diving with a seal
It’s important to keep travel insurance a priority before even leaving your home.

With adventure activities and sports travel, fun is the name of the game. However, it’s important to keep travel insurance a priority before even leaving your home. You’ll have peace of mind that if something went wrong on one of your tours or sporting endeavors, the medical coverage from your travel insurance plan would cover you. With this type of travel though, you won’t want just any travel insurance plan. Some insurance companies don’t offer coverage for extreme sports –don’t worry, there’s a solution. Read on to find out more about travel insurance coverage for extreme activities. 

What activities aren’t covered under normal travel insurance plans?

Since some adventure endeavors are fairly dangerous, most providers exclude coverage for these types of interests or excursions. Here are common sports activities that aren’t covered under standard travel insurance plans:

  • Skydiving
  • Bungee jumping
  • Extreme skiing, heli-skiing or going outside marked areas (Important note: Normal skiing is covered by most travel insurance–just not the riskier kind!)
  • Mountain climbing and high-altitude activities where climbing gear such as picks and ropes are involved
  • Parachuting
  • Hang gliding 
  • Full contact sports, like football and wrestling
  • Boxing
  • Scuba diving below 120 feet (40 meters) or without a dive instructor

How can I get travel insurance for extreme activities and adventure sports?

There’s no reason you should stop your sports travel plans. With travel insurance, there are plenty of options to choose from. If one of the excursions above are already on your next trip’s itinerary, make sure to look for additional insurance coverage called a “hazardous sports rider”. This rider lets you claim for additional expenses in the off chance something happens while participating in adventure travel recreation. In other words, your extreme sports will be covered! So keep planning those excursions, but make sure to get sports travel insurance and compare your options! If you need some ideas on where to travel to, check out these travel destinations that are sure to spike your adrenaline.