Best Adventure Travel Insurance Plans
Getting injured from a high-risk activity while traveling without the proper protection can result in large out-of-pocket expenses. These top-selling plans include strong medical coverage for accidents and injuries and are designed to cover a wide range of adventure sports.
See a complete breakdown of these plans and more in our full review of the Best Adventure Travel Insurance Companies of 2025.
What is Adventure Travel Insurance?
Most people don’t realize that common activities like hiking, biking, riding mopeds, and snorkeling are commonly excluded from travel insurance as they are considered high-risk by insurers.
Adventure travel insurance policies provide coverage for these and other high-risk activities commonly excluded from standard travel insurance plans.
These policies protect you from the unique risks associated with adventure sports, and can cover costs for unexpected medical expenses, evacuations from remote areas, lost or delayed sports equipment, and more.
Adventure insurance can cover a wide range of sports and activities, such as:
- Water sports: Scuba diving, snorkeling, surfing, wakeboarding, kayaking, and other aquatic activities.
- Land activities: Snowboarding, skiing, hiking, mountain biking, rock climbing, camping, and other outdoor pursuits.
- Air activities: Bungee jumping, Skydiving, paragliding, hot air ballooning, and other airborne adventures.
- Do I Need Adventure Travel Insurance Coverage?
- What Does Adventure Travel Insurance Cover?
- How Much Does Adventure Travel Insurance Cost?
- Common Travel Insurance Adventure Sports
- How To Choose The Best Adventure Travel Insurance Policy
- FAQs: Travel Insurance for Adventure Sports
- Adventure News Articles
Do I Need Adventure Travel Insurance Coverage?
Since standard travel insurance often excludes adventure activities from coverage, it’s important to have adventure sports coverage if your trip includes any type of sport, even if you don’t consider them high-risk.
Paying out of pocket for medical care or medical evacuation services can be very expensive, especially if you’re traveling to an international destination that doesn’t accept U.S. health insurance.
Additionally, adventure and extreme sports tour operators often require you to buy travel medical insurance before departing for your trip to reduce liability on their end.
In all of these cases, having the proper travel insurance in place is important. When buying travel insurance, be sure to check the policy exclusions carefully to ensure you are covered on your next adventure trip.
What Does Adventure Travel Insurance Cover?
Apart from covering medical emergencies, cancellations, and travel delays, adventure travel insurance plans cover you for a wide variety of sports activities that are typically excluded from other travel insurance plans. Here is a look at common coverage inclusion for adventure travel insurance plans.
Adventure travel insurance can cover emergency medical expenses and emergency evacuation to the nearest quality medical facility if you are injured while participating in adventure activities.
Some adventure plans include emergency search and rescue coverage in case you have an accident in remote areas and need emergency extraction. If this coverage is important to you, be sure to apply the ‘Search & Rescue’ filter to your search, as not all plans include this benefit.
Travel insurance can reimburse you for lost, stolen, or damaged sports equipment such as skis, dive gear, or golf clubs.
If your personal sports equipment is delayed in transit, an adventure travel insurance plan can reimburse you for rental gear.
Adventure insurance coverage can reimburse you for lost expenses if you are forced to cancel prepaid sports activities due to bad weather. Examples of covered expenses include golf tee time deposits and lift tickets.
Adventure sport coverage can reimburse you for unused sports fees like prepaid lift tickets or green fees if an illness or injury prevents you from participating.
All plans sold on Squaremouth include round-the-clock phone assistance in case of an emergency or if you need help dealing with travel disruptions.
How Much Does Adventure Travel Insurance Cost?
Comprehensive adventure travel insurance costs $30 per day on average.
This is based on adventure-specific travel insurance sales through Squaremouth in the past 12 months. Adventure insurance plans cost an average of $419, with an average trip length of 14 days.
Like other types of comprehensive travel insurance, the cost of adventure coverage is based on several risk factors, such as your age, destination, trip length, and travel expenses.
Common Travel Insurance Adventure Sports
Search for sports and activities you will be participating in during your trip. You can also browse and select activities from the list below.
How To Choose The Best Adventure Travel Insurance Policy
As the nation’s largest travel insurance marketplace, Squaremouth makes it easy to compare adventure travel insurance plans from top providers.
Explore our curated list of the best adventure travel insurance companies of 2025, or start a quote to compare plans from all available providers.
Simply enter your trip information to get matched with insurance policies specifically tailored to your parameters. Compare coverage and pricing for plans from over 20 top providers all in one place. Adjust your search using filters to find plans that include coverage for everything important to you.
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FAQs: Travel Insurance for Adventure Sports
Yes, adventure sports travel insurance is typically more expensive than standard travel insurance because it covers higher-risk activities that have an increased chance of injury or emergency evacuation.
With that said, it’s still attainable. According to Squaremouth data, the average adventure holiday insurance policy costs roughly $30/day. Costs vary based on factors like the activities covered, destination, age, and coverage limits. Comparing plans can help you find the best policy at the lowest price.
It’s best to have a general idea of the activities you plan to do before purchasing a policy. Since most standard plans exclude adventure sports from coverage, knowing your itinerary can help you determine if your policy protects you from financial loss.
If you’re unsure, choose a policy with broad adventure sports coverage to ensure you’re protected no matter what activities you decide to try.
If you’re traveling within the United States, your primary health insurance may cover medical expenses if you get injured while participating in an adventure sport. However, exclusions may apply depending on your plan.
If you’re traveling overseas, it’s unlikely that your policy will cover medical expenses, as most international destinations do not accept U.S. health insurance. In this scenario, we highly recommend opting for an adventure travel insurance policy that includes strong Emergency Medical and Medical Evacuation coverage.
Reach out to our award-winning customer service team for assistance in helping you find a travel insurance policy that meets your needs. Our advisors have in-depth knowledge of coverage and exclusions and can assist you with finding a policy that offers adequate coverage for your trip and planned activities. Call us at 1-800-240-0369.
Coverage and exclusions vary from one insurance policy to the next, especially when it comes to adventure travel. While some plans may provide coverage for common activities like snorkeling and cycling, others are geared towards more high-risk activities like white water rafting or heli-skiing. We recommend using our quote tool to filter for plans that cover your specific trip activities.