Travel Insurance Coverage for Sports & High-Risk Activities

What is the Sports & Activities Travel Insurance Benefit?

Sports & Activities is a travel insurance benefit that can provide coverage to travelers who are participating in adventure sports, thrill-seeking excursions, or hazardous activities during a covered trip.

This benefit is specifically designed for adventurous travelers, as most adventure sports and activities are typically excluded from standard travel insurance policies. Travel insurance plans that include the Sports & Activities benefit can provide reimbursement if you suffer loss due to an accidental injury while participating in a covered activity.

Coverage limits, exclusions, and eligibility requirements may differ by policy.

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FAQs: Sports & Activities Travel Insurance

What Does the Sports & Activities Benefit Cover?

The Sports & Activities benefit is designed to cover the cost of medical expenses relating to an unexpected injury that occurs while participating in a hazardous sport. This can include hospital stays, doctor visits, emergency medical evacuations, x-rays, and more.

In the event of serious injury or death, some travel insurance companies will cover the cost of repatriation of remains back to your home country.

Coverage limits can vary widely from one travel insurance plan to the next. As a general rule of thumb, we recommend policies that offer at least $100,000 in Emergency Medical coverage and $250,000 in Medical Evacuation coverage. Deductibles may apply.

What Activities Can be Covered by Adventure Travel Insurance?

From snow-capped mountains to the open waters, travel insurance policies that include the Sports & Activities benefit can offer travel medical insurance coverage for a wide-range of adventure sports.

Some of the most common adventure sports that are covered by the Sports & Activities benefit include:

• Scuba diving
• Snorkeling
• Hiking and trekking
• Mountain biking
• Skiing and snowboarding
• White water rafting
• Kayaking
• Zip lining

If you’re interested in participating in any of the above activities while traveling, it’s important that you find a policy that includes adventure sports coverage for the duration of your trip.

What Are Some Common Exclusions of Sports & Activities Travel Insurance?

Not all sports and activities can be covered by insurance. When purchasing a policy, it’s important to carefully review a policy’s Certificate of Insurance to ensure your planned activities are not excluded from coverage.

Under most sports travel insurance policies, the following exclusions may apply:

• Participating in organized amateur or professional sports
• Extreme sports, such as bungee jumping, skydiving, hang gliding, caving, heli-skiing, and parachuting
• Mountaineering where ropes or guides are commonly used
• Scuba diving without a license
• Motor racing
• Piloting an aircraft

Injuries sustained while participating in any of the activities mentioned above may not be covered by travel insurance. If your planned activities are excluded from coverage, you may need to find health insurance through other sources.

How Do I Find a Travel Insurance Policy With Sports & Activities Coverage?

Many of the best travel insurance providers now offer coverage for adventure sports. Most policies that include the Sports & Adventure benefit will also include additional benefits designed to financially protect adventurous travelers, including Sports Equipment Loss and Sports Fees coverage.

The list below features all policies on Squaremouth that offer Sports & Activities coverage. You can find a policy by starting a quote from our Adventure Sports page or by adding the “Sports & Activities” filter under the “Sports” dropdown when comparing quote results.

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Please be aware that coverage and eligibility requirements for this benefit differ by policy.

Looking for a policy with Sports & Activities coverage?

Enter your trip information on our custom quote form. Once you receive your results, select the Sports & Activities filter to find the best policy for your trip with the coverage that you need.