Adventure sports are activities that are considered risky by the travel insurance industry because these sports can be hazardous to the physical health of the participant, even if all the necessary precautions are taken. Though adventure sports are adrenaline-pumping and thrilling, they are also more risky.

If you're visiting a new country and want to engage in a hazardous sport, your travel insurance might not cover you for injuries and accidents related to the activity. Because of the inherent risks of activities like scuba diving, bungee-jumping, mountain-climbing, these and other activities like them might be listed as exclusions in your plan details. If you're looking for insurance for more dangerous sports, be sure to read the policy documents carefully to make sure the sport you really want to try is covered. If it is not covered, you'll want to buy additional adventure sports insurance.

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 medical debt.

Buying adventure sports insurance protects you financially if you're injured while engaging in these riskier activities. With adventure sports coverage, you can participate in these activities with peace of mind knowing that you're covered for medical attention.


Who benefits the most from sports insurance?

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 and are always looking for adventure, you'll want sports insurance. This is especially true if you're traveling abroad.

But if you're looking to kick back and relax, and aren't into the adrenaline-rush of intense sporting activities, basic travel and trip insurance should be enough financial protection.

What adventure sports insurance benefits should you look for?

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 plans offer adventure/hazardous sports insurance, 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's 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're 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's important to consider a policy that would cover for repatriation and return of mortal remains in case of a death.

  • Accidental Death and Dismemberment
  • If you plan to participate in adventure sports, consider all the risks. Unfortunately, accidental death and dismemberment can happen so it's important to have the best adventure sports insurance available.

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