Travel Insurance

When would I need extreme sports travel insurance?

If you're an adrenaline junkie planning to engage in extreme sports on holiday, having the right travel insurance is essential. From broken limbs to dental problems, you risk sustaining all sorts of injuries when taking part in extreme sports.

 - 4 Min Read
Last updated and fact checked:
When would I need extreme sports travel insurance?
  • Standard travel insurance does not cover high-risk activities.
  • Extreme sports insurance can cover your equipment as well as you.
  • Premiums on extreme sports insurance are higher than standard.
  • Check with providers if you’re unsure if your activities are extreme sports.

Extreme sports travel insurance: FAQs

  • What is considered extreme sports for travel insurance?

    Many sports activities are classed as extreme sports for travel insurance purposes. This includes a variety of high-risk sports such as skiing, kayaking, scuba diving, water sports, paragliding, and others. You should always check with the insurance provider if you are unsure whether your activities are considered extreme sports.

  • Who is typically covered by extreme sports travel insurance?

    Those who are covered by extreme sports travel insurance are the people who intend to take part in extreme sports activities and want protection for themselves and their equipment. Of course, as with any insurance policy, your health, medical history, pre-existing conditions, and other factors will be considered when deciding premiums and eligibility.

  • What are the benefits of travel insurance for extreme sports?

    Having travel insurance for extreme sports is not only beneficial but also essential for those taking part in such activities. The key benefit is that you are covered for medical treatment and expenses or even repatriation when taking part in activities that are classed as very high-risk such as skiing, scuba diving, and others. In addition, another benefit is that your sports equipment is also covered, and this is often high-value equipment.

  • What are some of the risks of extreme sports?

    The nature of extreme sports means that there are many risks, some of which are very serious. You could sustain anything from sprains and bruising to dental injuries, broken bones, and head injuries. Of course, there is also a risk of fatalities with extreme sports, and this is why having the right travel insurance is so vital whether you are a young daredevil or an older thrillseeker in your 50s or 60s.

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Making sure you have travel insurance is essential no matter what type of trip you are going on. The right travel insurance policy offers a range of protection, and you can choose from single-trip or annual multi-trip coverage depending on how often you travel. 

When choosing a travel insurance policy, you need to consider a range of factors, such as any pre-existing medical conditions and the level of coverage you want. You also need to consider what activities you plan to participate in, as this will impact the travel insurance coverage you need. 

Whether you're looking for single-trip, multi-trip, or specialist cover, or need assurance about pre-existing medical conditions, our panel of travel insurance providers has you covered. Click on your chosen provider below to get started.

If you plan to participate in activities classed as extreme sports, the risks of injury are much higher. This means that the chances of a claim are higher, which is why specialist coverage is needed, as standard insurance policies will not cover you without an additional premium. 

The good news is that extreme sports travel insurance will cover you for everything regular travel insurance covers. So, you might have coverage for specific medical conditions and medical expenses, personal liability, repatriation, holiday cancellation cover and delays, medical treatment, personal accident, and more. It is essential to check your policy documents and wording to determine precisely what is and is not covered. 

In addition to covering you for the same things as a standard travel insurance policy, extreme sports insurance offers additional protection. It covers you for the extreme sports activities you plan to take part in while you are away, and usually also covers your sports equipment. 

What sorts of activities are classed as extreme sports?

People engage in all sorts of daredevil activities these days, as they love the adrenaline rush and excitement they get. However, in addition to an adrenaline rush and excitement, there is also an increased risk of injury with specific activities, and this is why you need to ensure you have extreme sports coverage.

Among the activities that come under extreme sports for insurance purposes are:

  • Winter sports
  • Rafting
  • Bungee jumping
  • Kayaking
  • Scuba diving
  • Adventure sports
  • Kite surfing
  • Skydiving
  • Trekking
  • Water sports
  • Canyoning
  • Mountain biking
  • Paragliding
  • Off-piste skiing
  • Rock climbing
  • Snowboarding
  • Motorcycling
  • Sea kayaking
  • White water rafting
  • BMX biking
  • A range of other extreme activities

If you don't know if the activities you plan to engage in are classed as extreme sports, check with insurance providers before taking out a policy. You need to ensure that you have the right cover to be appropriately protected.

Finding the right sports and adventure travel insurance plan

It is advisable to take some time to compare different extreme sports and adventure trip policies and providers. This makes it easier to find the right travel insurance for your needs at an affordable price. Make sure you compare your quotes to try and find the best deal and check the policy carefully to ensure you have the right level of coverage. 

Fortunately, you can go online these days to compare and check different policies and providers. This can save you a lot of time, and you can research various options at your own pace to ensure you make an informed decision. Once you find the right provider and extreme sports insurance policy for your needs, you can be reassured that you and usually any equipment are covered and protected. 

Make sure you are covered!

If you are planning to engage in any extreme sports, you need to make sure you have cover for things like treatment, medical expenses, and loss or damage to equipment, among other things. This is why having this specialist travel insurance is so important, as you won't get this protection with standard travel insurance coverage. So, take the time to seek out the right policy and provider to ensure you have the cover you need before you head off on your trip.

The content on is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial advisor. Any references to products, offers, rates and services from third parties advertised are served by those third parties and are subject to change. We may have financial relationships with some of the companies mentioned on this website. We strive to write accurate and genuine reviews and articles, and all views and opinions expressed are solely those of the authors
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