Need help? Call a SquareMouth Travel Expert 1-800-240-0369 | 8AM to 10PM ET Daily

Top Water Sport Insurance Plans

Several water sports travel plans stand out among the competition for their comprehensive coverage. These plans offer protection for extreme sports and adventure activities, strong medical and cancellation benefits, as well as competitive pricing.

Tin Leg

Adventure

Get Quote
4.53
(5,114 reviews)
Medical Coverage:
$100,000 Primary
Medical Evacuation:
$1,000,000
battleface

Discovery

Get Quote
4.1
(96 reviews)
Medical Coverage:
$0
Medical Evacuation:
$0
Tin Leg

Gold

Get Quote
4.53
(5,114 reviews)
Medical Coverage:
$500,000 Primary
Medical Evacuation:
$500,000

See a complete breakdown of these plans and more in our full review of the Best Adventure Travel Insurance Companies of 2025.

Does Travel Insurance Cover Common Water Sports?

Water Sports Insurance Topics

Most travel insurance policies are built to cover travelers' main concerns, primarily cancellations and medical emergencies. Due to the popular nature of water sports and activities during vacations, many travel insurance policies include coverage for the most common water activities under these benefits, such as swimming, fishing, and tubing. Typically, the policies that cover these activities can also cover most of the water excursions offered by cruise lines, including jet skiing, snorkeling, and surfing.

Does Travel Insurance Cover High-Risk Water Sports?

Wind surfing water sports

In addition to these more popular water activities, some travel insurance policies are designed to cover the most adventurous travelers and include a more extensive list of water sports and activities that can be covered. These select policies are ideal for travelers who plan to participate in more extreme water sports, such as scuba diving, windsurfing, water skiing, and speed sailing. Even adventurous water activities like shark diving and feeding can be covered by certain policies.

Wind surfing water sports
Get Instant Pricing

To see exact pricing for your trip, try our travel insurance comparison tool. Simply enter your trip details to see all available plans and prices. Start a Quote

Ocean kayak water sports

What Should I Look For When Buying Travel Insurance For Water Sports?

Ocean kayak water sports

Travel insurance for water sports and activities can vary significantly from policy to policy. Activities that can be covered by one policy, may be specifically excluded from the next. For this reason, for travelers who plan to partake in specific sports or activities, it's important to check a policy's certificate for a list of excluded activities before purchasing. When buying travel insurance for water sports, Squaremouth recommends at least $50,000 in Emergency Medical coverage, and $100,000 in Medical Evacuation coverage.

How to search for travel insurance for water sports and activities:

The Sports & Activities benefit of travel insurance is designed to cover travelers who are participating in sports or adventurous activities. Using Squaremouth's activity selection matrix below, travelers can enter the specific water sports and activities they plan to participate in during their trip to only show available policies with the coverage they need. Search for policies with coverage for water sports using our selection matrix.

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.

    If applicable, please select event participation type(s):

    Browse Other Policy Types

    Comprehensive Cruise Adventure & Sports Travel Medical Flight Group Annual Covid-19 Backpacking Scuba Diving Safari Visitors Cycling Golfing Kayaking Sailing Skiing & Snowboarding Rock Climbing & Mountaineering Surfing Trekking & Hiking Mountain Biking Family

    FAQs: Travel Insurance for Water Sports

    While not a requirement, if you're planning on participating in water sports during your trip, it is recommended to buy an adventure travel insurance plan. Doing so will allow you to participate in these sports and activities with the peace of mind of knowing you are covered in the event of a medical emergency.

    If you get hurt while participating in a water sport during your trip, contact your travel insurance company's 24/7 emergency assistance as soon as reasonably possible. They will assist you with locating medical care and arranging coverage with the medical facility.