Adventurous sports are activities that are considered risky by the travel insurance industry because these activities can sometimes be hazardous to the physical health of the participant, even after taking all the necessary precautions. Though adventure sports are adrenaline pumping and thrill seeking in spirit, they also tend to be inherently more accident- and injury-prone in nature.

If you are visiting a new country and try out a new sport, your medical costs, evacuation expenses and even repatriation charges may not be paid by your travel insurance company if the injury or death was the result of your participation in a sport listed as an excluded activity in your travel insurance plan document. People all over the world travel internationally to participate in these high intensity activities, and many of them don't have coverage, leaving themselves vulnerable to unexpected mishaps and financial disaster.

Adventure sports coverage helps to protect you if you are injured, or worse, while taking part in adventure sports activities. With adventure sports coverage, you can participate in these activities with peace of mind knowing that you are covered for the unexpected, which can be more common with high speed, high risk activities.

Some of the most common adventure sports activities are

If you are planning to participate in any of the adventure sports listed above while traveling, it is important to consider purchasing a policy that covers those activities. Most travel insurance policies do not cover adventure sports, though some plans offer optional add-on coverage.

Who needs adventure sports coverage?

To determine if you need adventure sports coverage, you should take a look at your lifestyle and your travel plans. If you spend a lot of time outdoors or are a thrill-seeker, you should find a plan with this coverage in case you decide to participate in hazardous sports during your trip. If you are already planning to participate in some kind of adventurous sports while abroad, you should definitely consider adding an adventure sports rider.

However, if you plan to have a more relaxing trip or are not a risk taker by nature, you probably don't need to add adventure sports coverage to your plan.

What should I look for in a policy?

If you are interested in adventure sports while traveling, some features you should look for in a policy include:

  • Coverage for Your Specific Adventure Sports
  • Even when the policies offer adventure/hazardous sports coverage, not all activities are covered in these policies. Make sure to carefully scan the policy document and be absolutely certain that the activities you are interested in are covered in the policy.

  • Emergency Medical Evacuation Coverage
  • If injury occurs, it is important to reach the nearest medical facility as quickly as possible. Sometimes, if the traveler is stranded in a remote location and can't be reached by traditional transportation methods, an expensive emergency evacuation may be required, so make sure your policy covers it.

  • Repatriation/Return of Mortal Remains
  • If you are seriously injured and need to be returned to your home country for medical care, arranging transportation back home can be complicated and costly. In addition, in the unfortunate case of death while participating in adventure sports, the cost of transporting remains back to the home country can also be quite high. Therefore, it is important to consider a policy that would cover for repatriation and return of mortal remains in case of an unfortunate death or serious injury.

  • Accidental Death and Dismemberment
  • If you plan to participate in adventure sports, it is important to consider all the risks. Unfortunately, accidental death and dismemberment are somewhat frequent in adventure sports so it is important your insurance policy covers it.

LEC

Liaison Travel Economy

Underwriters: Seven Corners
Plan Highlights
  • Comprehensive Coverage
  • Coverage up to 364 days
  • Renewable and Cancelable
  • Optional Coverage for Adventurous Sports
  • Emergency Medical Evacuation up to $250,000
  • Return of Mortal Remains up to $25,000
  • Up to $10,000 for Accidental Death and Dismemberment
DA

Diplomat America

Underwriters: Global Underwriters
Plan Highlights
  • Comprehensive Coverage
  • Coverage up to 12 months
  • Optional Coverage for Adventure Sports
  • Emergency Medical Evacuation up to $500,000
  • Return of Mortal Remains up to $50,000
  • Up to $25,000 for Accidental Death and Dismemberment
  • Trip Interruption up to $5,000
WI

WorldMed Inbound

Underwriters: TIS
Plan Highlights
  • Comprehensive Coverage
  • Coverage up to 364 days
  • Optional Coverage for Adventure Sports
  • Emergency Medical Evacuation up to $250,000
  • Return of Mortal Remains up to $50,000
  • Up to $50,000 for Accidental Death and Dismemberment