What does travel insurance for adventure sports cover?
Many adventure sports are considered extreme because they’re riskier than most conventional sports. And some ‘extreme sports’ are considered more ‘extreme’ than others. Travel insurers assign sports and activities into different groups, depending on the level of risk involved. It goes without saying, the riskier the activity, the higher the premium. Shark cage diving, tobogganing and 'class five' white water rafting will be categorised in a higher risk band than rock climbing or abseiling, for example.
You can customise your adventure travel insurance package to suit your needs – whether you’re snowboarding for the first time in Klosters, or climbing Kilimanjaro with a bunch of pals.
Your adventure travel insurance policy should also cover the cost of medical treatment - whether you break a leg, or get altitude sickness - as well as personal accident, personal liability, and legal expenses.
How can I find the best adventure travel insurance quote?
Have a clear idea of what sports and activities you’ll be taking part in before you set off.
If you feel the urge to jump in a cage with a great white whilst on holiday, some adventure sports travel insurers will allow you to add the activity to your policy on the spot. But most companies don’t allow this. So, as boring as it is, you need to read the fine print and make sure your policy covers all the crazy adventures you're planning to have on your trip, before boarding the plane.