Best Adventure Travel Insurance Plans for 2026
Written By James Clark Author
Reviewed By Steven Benna Editor
Reviewed By Arielle Turriff Product Specialist
Last Updated: January 20, 2026
Key Takeaways
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We analyzed 100+ policies and found the best adventure travel insurance plans are offered by: Tin Leg and Battleface.
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Adventure travel insurance covers medical accidents that occur while participating in high-risk activities, such as hiking, scuba diving, safari, and skiing.
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Unique adventure benefits include Sports Equipment Loss, Sports Equipment Delay, Sports Weather Loss, and Search and Rescue.
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You can purchase adventure travel insurance for as little as $7 per day.
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Try our online travel insurance comparison tool to get adventure travel insurance quotes from multiple providers at once. For personal assistance, call our award-winning agents at 1-800-240-0369.
The Most Popular Adventure Travel Insurance Plans
After evaluating all 20+ providers and 100+ plans available in the Squaremouth marketplace, we have selected Tin Leg as the best adventure travel insurance company for 2026. Below are our best adventure travel insurance plan recommendations to cater to more specific coverage types:
- Best Overall Adventure Travel Insurance, Tin Leg – Adventure
- Most Affordable Coverage, Battleface – Discovery Plan
- Most Sports and Activities Covered, Tin Leg – Adventure
- Best Medical Coverage, Tin Leg – Gold
To ensure transparency and independence in selecting our travel insurance award winners, we base our decisions solely on Squaremouth marketplace sales data from the previous month, without any influence from insurance companies, business relationships, affiliates, or other external parties. Each award is given to the top-selling plans that meet the specific criteria outlined below.
- Most Overall Adventure Travel Insurance: Over 100 sales, adventure & sport filter selected, emergency medical coverage of at least $100,000, and medical evacuation coverage of at least $250,000, sorted by the highest to lowest number of policies sold.
- Most Affordable Coverage: Over 50 sales, adventure & sport filter selected, emergency medical coverage of at least $100,000, and medical evacuation coverage of at least $250,000, sorted by average premium from lowest to highest.
- Most Sports and Activities Covered: Over 50 sales, the policy offering the most sport/activity-related benefits.
- Best Medical Coverage: Over 50 sales, adventure & sport filter selected, primary medical filter selected, emergency medical coverage of at least $100,000, and medical evacuation coverage of at least $250,000, sorted by the highest to lowest number of policies sold.
The Best Adventure Travel Insurance Plans in Detail
Best Overall Adventure Travel Insurance
Medical / Med Evac Coverage
$100,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
Covers 400+ adventure sports and activities, more than any other travel insurance policy listed on Squaremouth
The most popular adventure travel insurance plan, chosen by more than 15% of adventure travelers on Squaremouth
Provides up to $1,000,000 in coverage for medical evacuations, the highest reimbursement limit of any comprehensive plan on Squaremouth
Trip Cancellation coverage for trip costs up to $50,000, making it a great option for luxurious adventures
Many travel insurance policies have strict restrictions and exclusions when it comes to adventure tourism. That’s why Tin Leg Adventure is our favorite policy when it comes to protecting trips that include sports and activities. Not only does it cover the widest range of adventure sports of any policy found on Squaremouth, protecting 400+ unique activities, but it also includes up to $1,000,000 in Medical Evacuation coverage, up to $100,000 in reimbursement for unexpected medical expenses, which exceeds our coverage recommendations for adventure trips. The policy also comes with well-rounded protection against other common travel disruptions, such as flight delays and baggage delays.
More importantly, Tin Leg Adventure includes a suite of sports-related benefits that are not typically found in most plans. This includes coverage for Sports Equipment Loss, Sports Equipment Delay, and Sports Fee Loss.
Most Affordable Coverage
Medical / Med Evac Coverage
Optional / OptionalCancellation / Interruption Limits
100% of trip cost / Optional
The least expensive comprehensive travel insurance plan among adventurers, with an average premium of $119, less than half the overall average of $268
Unique ‘build-your-own’ approach to trip protection allows customers to add or omit benefits like Travel Delay, Baggage Loss, and Medical Evacuation to their coverage, so you only pay for the coverage you need
Can provide up to $100,000 in medical coverage for sports-related injuries, higher than most comprehensive policies at this price point
Protecting a vacation can be expensive, especially if your trip involves adventure activities that require a specific type of coverage. Battleface provides a cost-effective way for adventure lovers to safeguard their getaways with their innovative Discovery plan, which comes standard with Trip Cancellation insurance. From there, travelers can pick and choose which benefits they want to add to their protection, such as Emergency Medical, Travel Delay, Baggage Loss, and Medical Evacuation. Discovery also extends coverage for popular activities like hiking, scuba diving, and white water rafting, among others.
For budget-conscious travelers, this customizable approach to travel insurance can lead to cost savings while still maintaining strong coverage in key areas.
Most Sports & Activities Covered
Medical / Med Evac Coverage
$100,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
The top overall travel insurance plan for adventurers, with coverage for more than 400 sports and activities, such as scuba diving, skiing, and horseback riding
Includes the most robust coverage for adventure-related activities, including benefits like Sports Equipment Loss and Sports Fee Loss
One of the few policies on Squaremouth that offers Sports Equipment Delay coverage, a benefit found in less than 15% of travel insurance policies
Finding travel protection for niche adventures can be challenging. Tin Leg addresses this hurdle with its Adventure plan, which covers the widest range of sports and activities of any plan found on the Squaremouth platform. From hiking to paragliding to safaris, the policy is built to safeguard your itinerary, no matter how action-packed it may be. Tin Leg Adventure doesn’t skimp on coverage, either, offering benefits that appeal to adventurers such as up to $1,000,000 in Medical Evacuation coverage, $500 in Sports Equipment Delay coverage, and Trip Cancellation protection for trips up to $50,000.
Tin Leg Adventure is currently the most popular adventure travel insurance policy, making it a safe option to protect your upcoming trip.
Best Medical Coverage
Medical / Med Evac Coverage
$500,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Offers up to $500,000 in Emergency Medical coverage, five times more than Squaremouth typically recommends for adventure travelers
Comes standard with up to $500,000 in Medical Evacuation insurance, which is double Squaremouth’s recommendation for adventure travelers, and among the best reimbursement limits of any comprehensive plan
Covers more than 250 unique adventure sports and activities, providing the widest range of coverage for adventure travelers outside of Tin Leg Adventure
For adventurers who want more protection from unexpected medical expenses, we recommend Tin Leg Gold. While more expensive than their Adventure plan, it offers up to five times as much Emergency Medical coverage. Similar to Adventure, Tin Leg Gold also comes standard with strong Medical Evacuation protection, with $500,000 in coverage, and covers a wide range of different sports and activities.
In addition to being great for adventures and medical coverage, Tin Leg Gold is also one of the most popular policies on Squaremouth overall, accounting for roughly 13% of all travel insurance sales.
Compare Costs for the Best Adventure Travel Insurance Plans
Travel insurance premiums are based on several different factors, including your age, the number of travelers on your policy, the length of your trip, and the total amount of travel expenses you choose to insure.
Adventure plans are generally more expensive than basic travel insurance due to the added risk involved, as well as the increased cost of booking tours and excursions. Comparing plans from multiple providers can help you find a plan that fits your specific budget.
The prices in the table below are based on quotes from a weeklong hiking trip in Switzerland.
Plan |
Solo Traveler |
Couple |
Family |
|
|---|---|---|---|---|
$207.00 |
$329.00 |
$574.00 |
Get Quotes | |
$46.00 |
$85.00 |
$192.00 |
Get Quotes | |
$152.00 |
$273.00 |
$458.00 |
Get Quotes |
The above prices are examples of a sample quote for a generic traveler profile and destination. The actual price you pay will vary based on your age, trip length, trip cost, destination, state of residence, and more. We provide these prices for example purposes only. For exact pricing, get a quote using your unique trip details.
Battleface is consistently the most affordable adventure coverage, in large part due to its ‘Build Your Own Policy’ approach to travel insurance. The price shown in the table reflects the Discovery plan in its base form, which only includes Trip Cancellation coverage. From there, you can add benefits and coverage limits that make sense for your specific adventure. For some travelers, this can be a very cost-effective way to protect a trip. With that said, some benefits cost more to add than others, and including every type of coverage available can make this plan more expensive than competing options.
While Tin Leg Adventure is the most expensive plan featured in our list, it offers the best built-in coverage for adventure trips. In addition to high medical and evacuation coverage limits, it also includes coverage for more than 400 unique adventure sports and activities. This policy is a great option if you want great, out-of-the-box coverage that’s designed specifically for adventurous travelers.
Compare Benefits for the Best Adventure Insurance Plans
When it comes to protecting an adventure trip, some of the most important benefits are Emergency Medical and Medical Evacuation, given the increased risk of injury while you’re traveling. According to the CDC, medical evacuations and repatriation services can exceed $250,000, depending on your location and the severity of your condition.
Many adventure trips also involve high upfront costs, such as airfare, accommodations, tours, equipment rentals, and excursions. If this is the case for your upcoming adventure, it’s important to find a plan that includes strong cancellation and interruption protection.
The table below shows how coverage for the best adventure travel insurance plans compares side-by-side.
| Travel Insurance Benefit | Tin Leg Adventure |
Battleface Discovery |
Tin Leg Gold |
|---|---|---|---|
| Emergency Medical | Up to $100,000 per person | Optional Coverage, Up to $100,000 per person | Up to $500,000 per person |
| Medical Evacuation | Up to $1,000,000 per person | Optional Coverage, Up to $500,000 per person | Up to $500,000 per person |
| Trip Cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost |
| Trip Interruption | 150% of trip cost | Optional Coverage, 150% of trip cost | 150% of trip cost |
| Travel Delay | $600 per person after a 5-hour delay | Optional Coverage, $2,500 per person after a 6-hour delay | $500 per person after a 6-hour delay |
| Missed Connection | $500 per person after a 3-hour delay | Optional Coverage, $1.000 per person after a 3-hour delay | $500 per person after a 3-hour delay |
| Baggage Loss | $1,000 per person | Optional Coverage, $2,500 per person | $500 per person |
| Baggage Delay | $200 per person after a 12-hour delay | Optional Coverage, $500 per person after a 24-hour delay | $200 per person after a 24-hour delay |
All of the best adventure travel insurance plans on this page feature strong Medical Evacuation coverage, with limits ranging from $500,000 to $1,000,000. These coverage limits surpass the CDC’s estimations on the cost of evacuation and repatriation expenses, and should be enough to cover your expenses if you need to be medically transported at any point during your trip.
Battleface’s Discovery plan offers up to $2,500 in optional baggage loss coverage, which is more than any other plan we mentioned on this page. With that said, all plans extend their Baggage Loss protection to also cover any sports equipment you choose to travel with, such as skis, golf clubs, or cycling gear.
Tin Leg Gold includes the highest coverage limits for the Emergency Medical benefit, offering up to $500,000 in protection against unexpected medical bills. While this much coverage may be overkill for some, it may be needed if you suffer a severe accident while participating in a covered activity during your trip.
Compare Customer Satisfaction Ratings
Travel can be unpredictable, so it’s reassuring to have a provider that supports you from start to finish. Beyond price and coverage, the quality of customer service is a key factor when choosing the right plan.
To help you compare, we break down how each top-rated provider performs across the entire travel experience, from pre-departure guidance to the claims process, so you can understand which companies deliver when you need them most.
| Customer Satisfaction | Tin Leg | Battleface |
|---|---|---|
| Overall Rating | 4.53 / 5 | 4.1 / 5 |
| Customer Service Before a Trip | 4.63 / 5 | 4.17 / 5 |
| Customer Service During a Trip | 4.07 / 5 | 2.86 / 5 |
| Customer Service After a Trip | 4.08 / 5 | 3.52 / 5 |
We based the ratings in the above chart on verified customer reviews and rounded them to the nearest decimal. All ratings were valid when we published them, but they may change as new reviews come in.
Based on the table above, Tin Leg maintains superior customer service compared to Battleface across all categories. In fact, Tin Leg is currently the highest-rated provider on Squaremouth. The provider displays a great track record of providing quality customer care before a trip, which can make a big difference if you need to make adjustments to your coverage leading up to your trip.
While Battleface holds lower scores than Tin Leg, that doesn’t necessarily mean that they should be avoided. The provider does offer solid pre-trip customer assistance and claims support. Battleface, however, receives low scores for customer service during a trip. Providers with a low score in this department may be difficult to reach in certain regions, which could be a disadvantage for adventure travelers.
How Reliable Are the Best Adventure Travel Insurance Providers?
Every travel insurance plan we offer is backed by a trusted provider with a proven history of supporting travelers worldwide. Each policy that is sold on our site is backed by our Zero Complaint Guarantee, which ensures all claims are handled fairly and honestly.
In the table below, we display the A.M. Best and Better Business Bureau ratings for the top adventure insurance companies. These scores from independent, third-party organizations highlight the financial strength and level of customer care you can expect from each provider.
| Reliability | Tin Leg Adventure |
Battleface Discovery |
Tin Leg Gold |
|---|---|---|---|
| Underwriter | Berkshire Hathaway Specialty Insurance Company | Spinnaker Insurance Company | Starr Indemnity & Liability Company |
| A.M. Best Rating | A++ (Superior) | A- (Excellent) | A (Excellent) |
| BBB Rating | A++ | N/A | A+ |
All travel insurance plans on Squaremouth are from reliable, reputable providers. Both Tin Leg and battleface policies maintain excellent scores from A.M. Best, which highlights the insurer’s ability to meet its claim obligations. Tin Leg Adventure, along with other Tin Leg plans, holds an AM Best financial strength of A++ (Superior), the best possible score the organization gives insurers. You can purchase coverage from either provider with the confidence that your claim will be handled fairly and your concerns will be addressed.
Which Adventure Travel Insurance Plan is Right for Me?
Many policies on Squaremouth offer the benefits and coverage limits needed to protect an adventure trip. The right plan for you will depend on your budget, itinerary, and coverage needs.
If none of the plans on this page offer adequate coverage for your specific trip, we recommend using your trip details to find additional quotes on Squaremouth.
- For the most robust adventure coverage, we recommend Tin Leg Adventure. This plan covers more than 400 unique sports and activities, which is among the highest offered on the Squaremouth platform. It was designed specifically for adventure trips, with built-in protection against the disruptions many travelers face when participating in adventure activities while away from home, such as coverage for activity-related injuries and personal sports equipment. This is, however, the most expensive plan in this list, and may not be great if you are traveling on a tight budget and don’t need top-of-the-line coverage.
- If budget is your top priority, then Battleface’s Discovery plan may be right for you. It blends affordability and customization by allowing customers to build their own policy from the ground up. With this plan, you can add the benefits that are most important to you and leave out any coverage that doesn’t apply to your trip. For example, as an adventurer, you may want to add medical and evacuation coverage to your plan, but ignore coverage for delays. This approach means that you won’t pay for coverage you don’t want, which can keep costs to a minimum. Like other plans on this list, the Discovery plan can also protect your personal sports equipment that gets delayed, lost, damaged, or stolen.
- For the best adventure medical coverage, Tin Leg’s Gold policy is a great option. This plan is popular among all types of travelers due to its high Emergency Medical and Medical Evacuation coverage. Specifically, it offers up to $500,000 in reimbursement for each benefit, which is among the highest among all comprehensive travel insurance plans on our platform. While it’s not necessarily an adventure-specific plan, it still offers coverage for over 250 sports and activities with sports equipment loss protection.