Extreme sports travel insurance – do I need it?

If you get your thrills from adrenaline and enjoy taking part in extreme sports while on holiday, it is crucial that you get adventure sports travel insurance that covers you for the activities you’ll be taking part in.

There is a degree of risk to most sports, but particularly the adventurous ones. Even though you may consider some sports to be mainstream, your travel insurance provider may class them as extreme due to the increased risk of injury. 

It is always essential to check whether your chosen activity requires extreme sports travel insurance, as standard travel insurance policies tend only to cover low-risk activities.

What is classed as an ‘Extreme Sport’?

There are many different activities that can be classed as ‘extreme’, each with varying levels of risk, and different insurers will have different views on what they class as extreme. 

Providing your insurance provider details about the sports you intend to participate in during your trip is essential so an accurate assessment can be made for the level of cover you require. If you are unsure about the activities you will be taking part in, it’s a good idea to take your policy document with you so you can check whether the activity is covered before deciding to undertake it. 

Extreme sports are defined in a variety of ways, but most often as activities that involve high adrenaline activities, for example; 

  • Bungee jumping
  • White water rafting
  • Windsurfing
  • Giant slalom
  • Polo
  • Abseiling
  • Roller derby
  • Scuba diving
  • Ironman Triathlon
  • Ziplining 
  • Competitive Power Boating

But there are also some sports that you may not have considered as ‘extreme’ that require you to have travel insurance including extreme sports, such as;

  • Horse riding
  • Rugby
  • Marathon running

What does extreme sports travel insurance cover? 

A good policy can provide all the usual benefits of travel insurance cover such as;

  • Holiday cancellation
  • Cover for delayed departure 
  • Baggage and personal belongings 
  • Cover for passport, money and documents
  • Cover for accommodation

As well as including cover for the specific activities that you will be taking part in, such as; 

  • Personal injury 
  • Medical expenses (including ambulance or air ambulance charges)
  • Repatriation if you need to be transported home
  • Personal liability

Get a quote for your extreme sports travel insurance requirements

Obtain a quotation, and purchase your adventure and extreme sports travel insurance immediately using our online system.