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Travel Insurance for Adventure Activities

Updated on September 11, 2012

Crazy about adventures?

Didn't your mama tell you not to do this? But you still did it and were proud of yourself?

Did you ever try to make your dreams come true?

Did you leave no stones unturned on your way to success on a trip?

Then you should definitely know what a "real adventurer" is.

This hub will help you to stay safe in your adventures. There are 2 things that help adventurers stay safe on a trip:

  • common sense and
  • travel insurance.

Let's speak about the second one.

Quick question

Do you like extreme sports and activities?

See results

What is Travel Insurance?

The first and the most important feature of travel insurance is the insurance of health. If you make up your mind to visit a foreign country, your health insurance won't be valid there. So you'll have to pay bills yourself. Travel insurance policy covers all medical expenses abroad, including repatriation to your home country. This is a common understanding of the travel insurance.

In general travel insurance covers not only your health. It covers the whole trip including flight delay, event cancellation, legal expenses, passport loss, hijacks and so on. Travel insurance company will pay for any inconvenience on your trip, so your pocket won't suffer from sudden expenses that will result in sweet emotions from your adventures.

Do I Need Specific Travel Insurance for Adventure Activities?

Well, yes... and no. You should check cover of your policy before you leave. There are 3 different categories of covers from perspective of adventure travel insurance.

Some insurance companies/agents/consultants don't cover any sports at all. So if you hurt your leg playing chess you won't get any payouts. Try to avoid agents like that.

Some companies cover a number of activities for free and require additional premium for specific sports (like scuba diving, paragliding, etc). These companies usually cover basic extreme level. They require licensed operators and professional guides, so you won't be able just to take your gear and go into sports.

Third type of companies cover any possible and impossible activities and sports: scuba diving 50+m, any grades of black water rafting, white water rafting, canyoning, sky diving, shooting, hunting, etc. These agents are not cheap, since they offer very specific services, but they will insure you even if you're going to travel to hell.

Ask everything about levels of cover of your travel insurance agent before leaving on a trip.

Keep in mind that accidents in process of extreme activities and sports are usually officially not covered by your travel insurance company if the sport is not listed in your policy.

Sports Covered

Sports that are usually covered for free by the 2nd and 3rd travel insurance agents categories:

  • Archery
  • Badminton
  • Banana Boating
  • Baseball
  • Basketball
  • Beach Games
  • Black Water Rafting
  • Blade Skating
  • Bowls
  • Bungee Jumping
  • Canoeing
  • Clay Pigeon Shooting
  • Cricket
  • Cycling (On Road)
  • Deep Sea Fishing
  • Dinghy Sailing
  • Fell Running/Walking
  • Fencing
  • Fishing
  • Football (Amateur)
  • Go Karting
  • Golf
  • Hiking Under 2,000m
  • Horse Riding
  • Jet Boating
  • Jet Skiing
  • Kayaking
  • Lacrosse
  • Lapland Activates (Husky/Reindeer Ride, Snowmobile, Sledging Short Day Trips)
  • Marathon Running
  • Netball
  • Non Manual Occupations
  • Manual Occupations
  • Orienteering
  • Parascending Over Water
  • Pony Trekking
  • Racket Ball
  • Rambling
  • River Canoeing
  • Roller Blading
  • Roller Skating
  • Rounders
  • Rowing
  • Safari Trekking
  • Sail Boarding
  • Sailing
  • Scuba
  • Skate Boarding
  • Snorkelling
  • Squash
  • Surfing
  • Tennis
  • Track Events
  • Trekking
  • Triathlon
  • Volley Ball
  • War Games/Paint Balling
  • Water Polo
  • Water Skiing
  • White Water Rafting (Grade 3)
  • Windsurfing
  • Yachting
  • etc

Ask, Ask, Ask

Before leaving on an adventure trip ask your consultant about:

  1. Grades/levels of extreme sports covered
  2. Personal liability
  3. Special gear (safety helm, body protection)
  4. Level of operator (licensed or not)

Don't forget that any trifle (like riding on a bicycle without safety helm) is an official reason to cancel your claim.


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