Why buy sports travel insurance?
Whether you’re into skiing, cycling, golf, snowboarding or tennis, there’s nothing like pairing your favourite sports activities with a holiday. Get the right travel insurance to cover your chosen sport and you can enjoy your holiday with peace of mind.
Frequently asked questions
What’s covered by sports travel insurance?
Standard travel insurance can cover low risk activities such as camping or fishing but doesn’t cover more extreme or adventurous sports - such as skiing or scuba diving - or the cost of lost, stolen or damaged sports equipment. That’s where specialist sports travel insurance comes in.
The type of low risk activities usually included in a standard policy could be:
- recreational sports such as football and badminton
Be aware that every travel insurance provider has their own classification of what they consider low or high-risk sports and adventure activities.
Yet it’s estimated that only 12% of British travellers read all of their insurance documents, and 50% don’t check that they’re covered before participating in an adventurous holiday experience.
It’s essential when comparing policies, that you read each one carefully to ensure your chosen sport is covered. Many providers divide sporting activities into risk groups and may cover more adventurous sports at a higher cost.
If your chosen activity isn’t covered by your insurance provider, you may need to find a specialist sports insurance provider who can give you the extreme sports cover you need.
For insurance purposes, what sports are considered extreme?
It’s easy to work out certain activities that automatically fall into the extreme sports category, such as:
- rock climbing
- bungee jumping
- white water rafting
- skiing and snowboarding
- scuba diving
Some extreme activities are even considered too risky for insurance providers. You may have difficulty getting cover for adrenaline fixes such as:
- cliff diving
- free running
- scuba diving below 150 feet
- free climbing
- ice climbing
- rock climbing above 14,000 feet
But there are some activities that you might assume are covered by a standard insurance policy such as:
- horse riding
- swimming with dolphins
- inflatable banana rides
Surprisingly, these activities are considered extreme sports by some insurance providers. That’s why you need to read the full details of each policy before committing to one.
Which insurance type is most suitable for skiing or snowboarding?
If you want specialist ski or snowboard travel insurance, it’s worth looking for a policy that offers winter sports cover.
Some insurance providers also offer special cover such as golf travel insurance and specialist cover for water sports.
It may end up costing more, but specialist sports insurance might offer more comprehensive protection for you and your equipment, so it’s worth comparing different providers.
What else should I be aware of when comparing sports travel insurance?
If you have a pre-existing medical condition you need to inform your insurance provider. While a medical condition could mean that your premium may cost you a little more, not declaring it could invalidate your entire policy.
Decide whether you want a policy to cover a one-off trip, or two or more trips that involve a sporting activity during the year. In which case you could consider either a single or annual policy.
If you’re planning a trip for longer than 60 consecutive days, it’s unlikely a standard travel policy will cover you. In which case, backpacker insurance with additional cover for sports might be more appropriate.
Also, be aware that some sports insurance providers will ask for specifics such as anticipated altitude on a climbing holiday, or immersion depths on a scuba diving holiday, so be sure to have all necessary information ready when choosing a policy.