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Extreme sports travel insurance

Compare and find a great deal on extreme sports travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

Compare and find a great deal on extreme sports travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

Compare and find a great deal on extreme sports travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

Compare and find a great deal on extreme sports travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

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Update your previous quote

Compare and find a great deal on extreme sports travel insurance & get a whole year of Meerkat Meals & Meerkat Movies*

Sadly, this isn't a qualifying product for a Limited Editions Sleepy Oleg toy.

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Extreme sports travel insurance: a simple guide

Extreme sports travel insurance is perfect for adrenaline junkies who love to take part in all-action sporting activities while they’re on holiday. A standard policy may only cover low-risk activities, so an adventure that includes sky diving or rock climbing, for example, requires a different level of cover.

There are hundreds of activities that can be considered ‘extreme’, with varying degrees of risk. When it comes to insurance, providers have different views on what they class as extreme. Whether or not you’ll be offered cover for a specific sport or activity will depend on how they assess that risk.

It’s important to give details about any sports you’ll be doing, so your insurance provider can make an accurate assessment based on the cover you need.

Whether you're going on a skiing trip or trekking off the beaten track, read our guide below to ensure that you select the right policy for your extreme sports adventure.


On 02 October 2020, the Foreign Commonwealth and Development Office (FCDO) updated the list of countries that are exempt from its ongoing advice against all non-essential international travel.

If you choose to travel overseas to a destination where the FCDO is advising against non-essential travel at the time of your departure, then your insurance policy will be invalid, and any claim likely to be rejected.

For domestic travel, please check the local public health rules for the destination you wish to travel to within the United Kingdom.

For more information, please see our coronavirus and travel insurance page.

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pension Service (MaPs) has also launched a directory of insurance providers, who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers Association on 0370 950 1790.

In insurance terms, what is considered an extreme sport?

Each insurance provider has their own terms and will have different classifications for which sports are classed as extreme. It’s important to check your cover details before buying your insurance, to make sure your chosen activity is covered.

Most would agree that many high-adrenaline activities, including bungee jumping, white water rafting, rock climbing, sky diving and hand gliding, are risky.

However, for insurance purposes there are other activities that some providers consider ‘extreme’. For example:

  • Swimming with dolphins
  • Horse riding
  • Inflatable banana rides

Some sports even have their own specialist cover such as:

Whatever travel insurance policy you choose, check it carefully for the listed activities that are included and those that are excluded. If your sport isn’t covered under the policy, you need to ask your insurance provider if they can add it. Or find a specialist insurance provider who offers the level of cover you need.

What does extreme sports travel insurance cover?

What’s actually covered will depend on your insurance policy, but it should include:

  • Medical expenses. This can cover the cost of medical treatment and hospital bills if you’re injured, including ambulance or air ambulance fees.
  • Repatriation. This can cover the costs for getting you home if it’s medically necessary, or if you miss your flight after hospital treatment.
  • Personal injury. Typically, a lump sum payment is made if an accident on your trip leaves you permanently disabled.
  • Personal liability. This can cover compensation costs if you injure someone, or damage or lose their property by accident.

What if I don’t know what activities I’ll be doing yet?

If you buy your insurance through your travel provider, they’re duty bound to offer you a policy that’s appropriate for the holiday you’re going on.

But what if you decide to do something spontaneous while you’re away?

A good thing to do is take your policy document with you on your holiday. That way, if you want to do something on the spot, you can check whether the activity is on the list. If it’s not covered, give your insurance provider a call to see if it can be added.

Frequently asked questions

Will winter sports insurance cover me for off-piste skiing?

It depends. Some providers will cover you for off-piste skiing within the resort boundaries, while others won’t cover any type of off-piste skiing. If you’re planning to go off-piste, check the policy wording to make sure you’re covered. If not, it may be worth shopping around to find a policy that provides this type of cover.

Do I need travel insurance if I have an EHIC card?

Yes, it’s recommended that you have both a European Health Insurance Card (EHIC) and separate travel insurance in place before travelling to another EU country.

If you’re planning to travel in the European Economic Community (EEC) or Switzerland before 31 December 2020, you’ll still be able to use your EHIC card. It gives you the right to state-provided emergency medical treatment in the EEC country you’re visiting. However, the EHIC card is not an alternative to travel insurance. It won’t cover private medical costs, mountain rescue costs or repatriation.

Find out more about the European Health Insurance card.

Can I get extreme sports travel insurance if I have a health condition?

It’s possible to get extreme sports travel insurance if you have a pre-existing medical condition. But you may need to find a specialist insurance provider, and for some pre-existing conditions your insurance may be more expensive.

It’s important to tell your insurance provider about any pre-existing medical conditions and give them all the information they need. Otherwise, your policy may be invalid if you need to make a claim.

What else do I need to think about when taking out extreme sports travel insurance?

As with any type of travel insurance, there are conditions that apply to extreme sports cover, for example:

  • You won’t be covered if you’re under the influence of alcohol or drugs.
  • You won’t be covered if it’s believed you behaved recklessly or dangerously.
  • You must ensure you follow recommended safety instructions and regulations for your specific sport or activity. Some policies will only cover you if you’re accompanied by an instructor.
  • Check the amounts and limits on your policy, as some providers may charge a larger medical excess for certain activities.

How do I get the right cover for my trip?

Compare policies to ensure you get the right cover for your trip, and do the following:

  • Check the wording of each policy to confirm whether your chosen sport is covered.
  • If your chosen sport isn’t listed, contact the insurance provider directly – you may be able to add an extreme sport to your policy.
  • Ensure the policy you choose has all the cover you require - for example, medical expenses, baggage cover, flight cancellations.
  • Compare a number of policies to find the right level of cover at a price that you’re happy with.

Where can I get extreme sports travel insurance?

Our comparison service is a quick and easy way to find the right insurance policy to suit your needs.

Once we’ve created a list of insurance providers, check each policy to ensure your extreme sport or adventure activity is covered. If your chosen activity isn’t on the list, you may need to call the insurance provider to see if they will extend the policy to cover your needs.

Compare extreme sports travel insurance today and find the right policy for you, so you can enjoy your action-packed trip with the peace of mind that you’re covered.

What do I need to get a quote?

To get a quote, we’ll need to ask you a few questions including:

  • your travel dates
  • your destination
  • any specialist cover you’d like
  • your excess limits
  • any pre-existing medical conditions
  • your personal details

Once we have all the information we need, we’ll send you a list of suitable quotes to compare.

Start a quote

Patrick Ikhena

From the Travel team

What our expert says

“If you’re taking a number of trips throughout the year, an annual policy might work out cheaper than a single policy for each trip. Just make sure that your annual policy covers any sports and activities you’re planning to do.

“You can always update your policy if you want to add any sports that aren’t already listed. It might mean paying slightly more, but it’s worth it to have the peace of mind that you’re covered, should the worst happen.”

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