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Best Travel Insurance for Winter, Adventure, and Extreme Sports

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Table of Contents

Why get adventure sports travel insurance, travel insurance often excludes high-risk sports, credit card travel insurance often excludes high-risk activities, travel insurance for high-risk sports, how to get travel insurance for high-risk sports, what sports travel insurance costs, how to choose travel insurance for high-risk sports, the best sports travel insurance plans, final thoughts.

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Planning an adventurous trip? Your travel insurance might not cover everything you want to do — particularly if you plan on adventure activities or winter or extreme sports. 

Whether diving the ocean’s depths or ziplining through a forest, sports travel insurance can help you go confidently on adventures knowing you’re covered if anything goes wrong. Whether you need emergency assistance and evacuation or a reimbursement for a trip cut short by injury, travel insurance with sports coverage can help.

While standard travel insurance typically offers medical coverage, most policies exclude certain activities, particularly risky sports. But you can purchase a travel insurance policy that provides coverage for all your adventures , either as a stand-alone policy or an add-on to a comprehensive travel insurance package.

Let’s explore everything you need to know about travel insurance for sports and adventure activities and how to get that coverage for any high-risk activities you may plan for your travels.

Adventure sports travel insurance covers activities such as mountain climbing or deep-sea scuba diving (i.e. any activity that has a higher risk level than a “regular” travel activity).

While accidents can happen anywhere, you’re particularly vulnerable when away from home. Medical expenses and evacuation can be costly , especially if traveling to remote areas or a foreign country where you’re unsure about quality medical care. Sports travel insurance covers emergency medical expenses, ambulance services, and evacuation.

Some travel insurance companies offer emergency assistance services , which can help you get the medical care you need in a remote location or challenging environment. The travel insurance company can provide access to medical professionals, coordinate your care, and arrange an emergency evacuation if needed.

For example, if you’re climbing a mountain and break a leg, adventure sports travel insurance can help get you off the mountain and connected with medical care.

Adventure sports travel insurance can also help if a sports-related injury requires you to cancel or interrupt your trip or if you experience equipment loss or damage. That can save you money on non-refundable expenses and help you replace sports equipment.

While getting travel insurance is wise, you should understand that standard travel insurance policies may not include coverage for certain sports activities . Some travel insurance plans offer coverage for sports-related injuries and accidents, but others may have exclusions or limitations for high-risk or extreme sports.

When you purchase a travel insurance policy, review the terms and conditions to know which sports and activities are covered and any exclusions or limitations you may need to work with. Usually, travel insurance medical coverage encompasses unexpected accidents or injuries, which can include some sports like hiking or snorkeling, for example. But extreme or high-risk sports such as white water rafting or skydiving may not be included.

Exclusions depend on the insurance policy, but here are some examples of sports and activities that your standard travel insurance policy may not cover:

• Base jumping
• Bungee jumping
• Martial arts and combat sports
• Motor racing and motorsports
• Mountaineering and rock climbing
• Off-piste skiing and snowboarding
• Paragliding and hang gliding
• Scuba diving and deep-sea diving

If you find your travel policy lacking in coverage for the activities you’ve planned, you should consider getting additional coverage, such as a specialized sports travel insurance policy or add-on coverage.

Don’t expect your credit card travel insurance to cover extreme sports. 

While you should read the terms and conditions of the policy, most credit card travel insurance policies exclude risky activities , which extends to sports considered extreme. 

Credit card travel insurance often covers basic medical expenses, trip cancellation or interruption, lost baggage, and travel accidents. For example, the Chase Sapphire Reserve ® has premium travel insurance, offering up to $1 million in travel accident insurance, along with emergency evacuation and transportation insurance, emergency medical and dental benefits, and other travel insurance benefits.

If you plan to do high-risk activities and use credit card travel insurance, check your coverage and consider upgrading your travel insurance to include your desired activities.

Credit card travel insurance is helpful but sometimes limited, especially compared to adventure sports travel insurance policies. You may need to pay for travel insurance if you’re planning extreme sports or activities.

As you plan an adventurous trip, consider which travel insurance coverage may be most appropriate for your plans. Some travel insurance policies are comprehensive and cover multiple types of high-risk sports, while others are more specialized. 

Because there’s a wide variety of what’s covered (or not) on each policy, using a travel insurance comparison service such as Squaremouth can be helpful. You can search for travel insurance policies that cover the activities you’re looking for and compare costs and coverage.

Consider these types of adventure travel insurance policies or add-ons:

• Adventure Sports: On an adventure sports travel insurance policy, look for covered activities such as hiking, mountaineering, or rafting. The policy may encompass injuries, medical expenses, trip cancellations or interruptions, and equipment loss or damage.
• Extreme Sports: Travel insurance for extreme sports typically covers skydiving, bungee jumping, or rock climbing, providing coverage for accidents, injuries, medical expenses, and emergency evacuation.
• Sports Equipment: Some travel insurance offers coverage for sports equipment, which can reimburse you for loss, theft, or damage to your gear.
• Team Sports: A travel insurance policy may cover team-related expenses, such as tournament cancellations or travel delays if you travel for competitive events.
• Water Sports: Water sports travel insurance policies may cover surfing, diving, snorkeling, or water skiing. For diving coverage, you should verify that the policy covers the depths you’re planning and whether you need certifications for coverage.
• Winter Sports: Winter sports travel insurance policies are designed for winter sports enthusiasts, offering coverage for skiing or snowboarding-related injuries and emergency medical expenses or equipment loss or damage. Some also cover ski resort closures.

While you can get travel insurance for sports, including high-risk sports, most travel insurance companies have personal liability requirements . Generally, you’re required to act responsibly to use your coverage. That includes not going against local authority warnings, like entering restricted spaces, working close to dangerous animals, or not using proper safety equipment.

Do some pre-trip planning on your chosen activities to learn about the risks and requirements for everything you want to do. You may need to complete certifications or training to participate safely.

Generally, if you want travel insurance for adventurous activities, you should get quotes for a comprehensive travel insurance plan and add a hazardous sports rider. Or specialized insurance providers may offer comprehensive plans for high-risk sports and activities.

Looking for insurance companies specializing in adventure sports is often a good idea to get comprehensive coverage for all your planned activities. 

With any travel insurance policy, you should review the terms and conditions to verify your planned activities are covered. Read your policy documents for exclusions, limitations, or requirements for your chosen activities. You should also verify your coverage limits. 

If you have a health or life insurance policy, check with your insurance carrier about coverage for high-risk sports during travel. While these are likely not covered, you may be able to add a special endorsement to your policy.

Travel insurance that can evacuate you off a mountain sounds like it would be costly, but it might be more affordable than you’d think. It’s certainly less expensive than calling for your own rescue helicopter.

You should expect to pay around 5% to 10% of your total trip cost for sports travel insurance. Your actual adventure sports travel insurance costs will vary depending on your age, trip cost and duration, location, planned activities, and other factors. 

To give you an idea of what you should expect, we got a quote from IMG for an iTravelInsured Travel Sport policy. For a 29-year-old traveler on a $1,500 5-day skiing trip in the U.S., coverage costs $119.65 . 

This policy includes $1 million in medical evacuation coverage and $50,000 in search and rescue coverage. You’re covered for up to $50,000 for medical expenses due to adventure or organized sports, though hazardous and extreme sports are limited to $5,000.

Consider these factors as you compare high-risk sports travel insurance coverage:

• Claims Process and Customer Support: Get the details on what happens if you need emergency assistance or want to file a claim. For example, find out how to get medical attention if injured in a remote area and whether you’re expected to pay upfront and file for reimbursement.
• Cost: Expect adventure travel insurance to cost more than standard travel insurance. Cheaper policies tend to offer less comprehensive coverage, so consider your needs as you balance cost and coverage.
• Duration: Some sports travel insurance policies limit the length of coverage for certain activities, so make sure you have coverage for your whole trip.
• Emergency Assistance and Evacuation: You may engage in high-risk activities in remote locations or challenging environments where medical attention is unavailable immediately. A travel insurance policy can offer emergency assistance or evacuation for medical care.
• Exclusions, Limitations, and Deductibles: Every policy has limits — even extreme policies. Find out what’s excluded, the limits of what you can claim, and if you’re expected to pay a deductible before getting reimbursed. Also, understand the terms and conditions, such as duration and geographical coverage.
• Medical Coverage: With a greater risk of injuries from extreme sports, you should ensure that the insurance policy has adequate coverage for medical emergencies, including hospitalization, ambulance services, and, if needed, medical evacuation.
• Requirements: You may need to meet age limits and disclose any preexisting medical conditions to get appropriate sports travel insurance coverage.
• Reviews: Consider customer reviews and ratings, which can give insight into a travel insurance provider’s coverage quality, customer service, and claims handling.
• Sports Coverage: Find out which sports and activities are covered so you can verify yours are covered.
• Sports Equipment Coverage: If you’re traveling with costly sports equipment such as scuba gear or snowboarding equipment, compare coverage for loss, theft, or damage to your equipment.
• Trip Cancellation and Interruption: A travel insurance policy should cover trip cancellation or interruption due to sports-related injuries.

Your high-risk sports travel insurance may require you to participate responsibly. For example, terms of coverage may require you to choose reputable operators, obtain proper training or certifications, follow local regulations, and use appropriate safety gear.

Not all travel insurance providers offer sports travel insurance, but you have options. Compare these leading travel insurance policies for sports:

• battleface : battleface’s adventure sports coverage includes cycling, mountain climbing, scuba diving, canoeing, snowboarding, and more, but it has limitations, including how deep you can dive or how high you can climb.
• Cat 70 : Cat 70’s Travel Plan covers some adventure sports, including snowboarding, but excludes bodily contact sports, skydiving, scuba diving, and more.
• HTH Worldwide : The HTH Worldwide Trip Protector Preferred plan offers coverage for adventure sports, including certified divers up to 60 feet and water rafting grades 1 to 3.
• IMG : IMG’s iTravelInsured Travel Sport plan has a wide range of covered activities, including adventure, extreme, hazardous, and organized sports. However, there are exclusions for races, endurance competitions, and piloting or learning to pilot.
• John Hancock : You’re covered for some — but not all — adventure sports with a John Hancock Gold travel insurance plan. Some exclusions include diving deeper than 100 feet, participating in sports competitions, or contact sports.
• Nationwide : With a Prime plan, you can get covered for adventure sports such as cycling, fishing, rafting, and zip lining, but exclusions apply, such as extreme sports, mountaineering, and organized sports.
• Travelex : The Travelex Adventure Sports upgrade covers professional athletic events, mountain climbing, skydiving, and more. Travelex’s Travel Basic and Travel Select plans provide basic coverage for some activities, including skiing, snorkeling, and scuba diving up to 60 feet.
• World Nomads : With the World Nomads Explorer plan, you can get covered for more than 200 activities, including scuba diving, bungee jumping, and mountain biking.

The right travel insurance coverage is essential when embarking on an adventurous trip with high-risk sports or activities. Adventure sports travel insurance can coordinate medical care, offer evacuation, and save you thousands if you’re injured on a trip. Whether bungee jumping or scuba diving, sports travel insurance can provide peace of mind while you’re chasing thrills.

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Out of Your Comfort Zone

The art of backpacking & adventures to get out of your comfort zone – tips and advice, 7 best travel insurance for extreme sports and adventure activities.

Ahhh, nothing better than traveling to practice a sport or take on an adventure activity . Seeing a new country and getting that adrenaline rush from at the same time is just the best!

But with sports and activities, there come risks. Which means this type of trip is one you need to be prepared for. So, an international travel insurance that covers adventure is essential .

It’s worth mentioning that travel insurance is also very important for normal trips. Which means that it’s practically obligatory on a trip where you’ll do adventurous activities or sports since they only make the trip riskier. So, having travel insurance is more than just important.

If you are just looking for a normal travel insurance, I recommend my article with the 3 Best and Cheapest International Travel Insurance in 2020 !

Why do I need special travel insurance for extreme sports and adventurous activities?

Not all insurance companies cover all types of activities.

In other words, if you buy a type of travel insurance that doesn’t cover snowboarding and you get hurt snowboarding, your insurance won’t help you.

Basic travel insurance plans cover basic activities (like “safe” sports, fishing , hiking, snorkeling, etc.). But if you plan to do more extreme sports or adventurous activities such as surfing, diving, skiing, snowboarding, etc…, there’s a good chance you’ll have to add on a supplement to your plan to make sure your specific activity is covered.

What do I mean by adventurous activities and extreme sports?

These are the types of sports and activities that normal types of travel insurance (or at least the basic plans) often don’t cover. This will vary from insurance company to insurance company.

For example, skydiving is an activity that will never be covered by a basic travel insurance plan. However, canyoning may be covered by some plans, but not by others.

When I talk about the 7 best companies below, you’ll see screenshots with what activities are considered adventurous activities or sports (and thus will know what type of plan will cover you).

By the way, if you like to play sports and stay in shape during your travels, check out my article with 9 Tips to Stay Fit During Your Travels .

How to choose the best international travel insurance for extreme sports and adventure activities?

To choose the right plan for you, you’ll need to consider a few factors. From the coverage amount to the activities and sports covered.

First, it’s important that you pay attention to the requirements for your destination (in Europe, for example, you need to have coverage of 30,000 US dollars at the minimum in the Schengen area ).

And remember that the cost-benefit may be more important than the simple price of travel insurance coverage . This is because a difference in value can reflect greater coverage (for more sports/activities) and benefits which make it worth more than a cheaper plan.

Besides this, make sure to read the insurance policies and pay attention to the conditions , exclusions, and service instructions. So you can avoid unpleasant surprises when an emergency strikes, and make sure that your sport/activity will be covered.

The 4 Best Travel Insurances for Extreme Sports and Adventure Activities

A sport/adventure travel insurance is much more specific than one for a leisurely trip and it can be very stressful to spend hours searching the ‘net to find the right insurance.

Plus, it’s much better to know that the insurance you buy won’t let you down.

With that in mind and to help you choose the best insurance for adventures and extreme activities, I made a list below comparing the 4 best travel insurances available.

At the end of the post, you’ll find a table comparing the activities and sports covered, as well as the coverage amounts from each insurance company.

TIP: As always I recommend you get a quick quote online on all the companies I list below. You will only lose a few minutes and you could end up saving a lot just with good research.

(5% discount coupon comfort5 )

World Nomads is a respected and well-known company focused on adventure travel insurance and lots of sports! It’s even the insurance recommended by the largest travel guide in the world, Lonely Planet.

Their coverage is guaranteed and provided together with Bupa, AIG, and Nationwide insurers, depending on which country you are from. It includes emergency service in many languages 24/7.

There are two possible plans offered by World Nomads: Standard and Explorer.

As you can see from the table, the coverage amounts vary greatly. But the same is not true of the price you pay. And both plans cover more than 150 activities!

There are, however, a few activities that are only covered by the Explorer plan (make sure you check for your specific sport/activity before you buy).

Since there are so many activities (even with just the Standard plan), it’s a great option for adventurous travelers who practice lots of types of sports and might need emergency medical coverage.

The price, when you consider all it covers, is really worth it. Just to help you have an idea, I got a hypothetical quote for two weeks in Switzerland, a destination known worldwide for its skiing :

You can get a quote and purchase directly from the World Nomads website.

One of its biggest attractions is the amount of coverage which can be greater than many other insurance providers depending on your country of residency. It usually goes from US$ 100,000.00 to unlimited!! 

And considering the pricey costs of sports accidents, if you practice sports (that are included on the list above), World Nomads is a safe choice.

By clicking on this link here and using the coupon code  comfort5 , you will get a 5% discount on your World Nomads travel insurance plan. 

2) SafetyWing

SafetyWing is a new travel insurance that is really similar to WorldNomads and focuses on covering travelers who practice all kinds of sports.

They are partners of HCC (that I mentioned above) and they are underwritten at LLOYD’s. In other words, it’s a pretty trustworthy company.

Plus, like the other insurances mentioned above, SafetyWing covers people from all over the world!!

One great thing about them is that they have a precise list of all the sports and extreme activities they cover on their website.

I will post this list here plus the sport activities they DON’T cover. It is important to highlight that this is a non-exhaustive list. And keep in mind that these activities are only covered if they are practiced recreationally. They are not covered for organized athletics* or professional sports:

List of Included sports covered by SafetyWing travel insurance

*You are not covered if the activity is organized athletics involving regular or scheduled practice and/or games, or the activity is performed in a professional capacity or for any wage, reward, or profit.

You must ensure the activity is adequately supervised and that appropriate safety equipment (such as protective headwear, life jackets etc.) are worn at all times.

Sports that are excluded from coverage by SafetyWing travel insurance

IMG Global is another well-known company that’s been around since 1990.

They offer several different plans, including insurance options for exchange students and insurance for expats (foreigners who live in other countries) .

The best international insurance for adventure travel from IMG Global is their Patriot Travel Medical Insurance, which you can get for trips as short as 5 days and as long as 12 months.

With this plan, the coverage limit can be up to 2 million USD. But for the specific coverage for adventure sports accidents, the limit decreases considerably.

Plus, the company still uses age to define coverage maximums:

The coverage for sports is extra. So, you’ll need to choose the “Aventure Sports Rider” when getting a quote.

IMG Global’s “Adventure Sports Rider” includes 33 adventure sports and is only available for those under 65:

Still, the plan has potential since it covers activities that aren’t covered by World Nomads’ Standard Plan, like bungee jumping and skydiving (although these are covered in World Nomads’ Explorer Plan). So IMG can be a good alternative if you plan to do these activities during your trip.

Not to mention that the prices are a bit more attractive. Getting that same hypothetical quote, two weeks in Switzerland, with the coverage of adventure sports adds up to the following:

So, although it doesn’t cover as many activities overall and the coverage is less than World Nomads, it’s worth seeing if your sport/activity is on the list I gave above.

You can get a quote directly on their website. They also have multilingual customer service either by phone or live chat on their website.

HCC Medical Insurance is an American insurance company that was purchased in 2015 by Tokyo Marine, another well-known insurance company.

One of the most interesting differences in HCC is that it offers specialized travel insurance options with coverage ranging from leisure trips to missionary trips to exchange students.

The insurance is offered in partnership with Atlas Travel, with a maximum coverage of up to 2 million USD.

The two plans HCC offers for travel insurance are Atlas International and Atlas International Premium .

The first plan has a maximum coverage of up to $1 million USD (and thus is cheaper), while the second has up to $2 million USD .

Between these two plans, there is no difference in the sports/activities covered.

The values are pretty good in that, if you consider the maximum coverage, this is the travel insurance option with the best cost-benefit among the 4 listed.

With the same hypothetical, here’s the cost of my two weeks in Switzerland with HCC:

Both plans include adventure activities without additional cost. The list of covered sports and activities are given by exclusion. In other words, all the adventure sports that are not expressly excluded in the insurance policy are covered .

For your activities to be covered by HCCMI, you must meet these standards.

And with the above precautions, the following activities are included:

These are the sport/activities which are NOT covered by the Atlas Travel plans:

All of the activities that are not on the list of excluded items are covered by the insurance.

One other useful difference is that, before you buy a plan, you can find a list of local HCCMI partners where you can be treated simply by presenting your insurance ID card. Meaning you can avoid the big headache of trying to get reimbursed by your insurance plan.

Table comparing the 4 best travel insurances for extreme sports and adventure activities

Now that you’ve seen the pros and cons for these 4 insurance companies, take a look at the comparative table to help you choose the right insurance for you:

It’s worth mentioning that all 4 insurance companies here are excellent and have a good reputation in their market. So you’re sure to be well-protected if you take out a plan with any of them.

Other options for searching travel insurance for extreme sports and adventures

If you’re still unsure which travel insurance is right for you, take a look at this list of online travel insurance search aggregators. All on this list are great-to-plan and insurance comparison tools.

When searching for the best insurance for you, do not forget to mention that you intend to carry out and physical activities during the trip, in this way, they will present them as the most suitable options for these cases.

•   Travel Insurance

Travel Insurance is a travel insurance research aggregator website, that is, it works as an online comparison of different plans and companies.

This is one of the most practical ways to find the ideal travel insurance for you, as instead of going through countless websites and comparing them, you can simply add what you are looking for in an insurance policy. After that, the site will compare services, taking into account customer ratings and price range.

One of the main advantages of using Travel Insurance is that it is possible to find insurance for the most varied profiles. If you are looking to carry out radical and extreme activities during your trip, you are a digital nomad and travel the world working, you are an expatriate starting a new life in another country … There are countless possibilities.

VisitorsCoverage

VisitorsCoverage provides an extensive range of insurance policies, catering to various needs, including specialized coverage for students and business travelers.

A notable advantage of VisitorsCoverage is their exceptional customer service, which operates seven days a week. Additionally, they offer coverage to citizens from over 175 countries.

Their website allows users to apply filters to explore policy options specifically related to Covid-19. This feature proves particularly beneficial as insurance coverage for this condition can vary among different providers.

Here are the pros and cons of comparing travel insurance with VisitorsCoverage:

• Wide selection of plans available.
• Ability to apply specific filters, such as Covid-19 coverage, to streamline your search.
• Excellent customer service.

Currently, there are no identified cons associated with comparing travel insurance with VisitorsCoverage.

AARDY works similarly to Travel Insurance, it is a travel insurance aggregator and aims to help its customers choose the ideal insurance for their profile.

One of AARDY’s areas of focus is customer service, so they boast an exemplary TrustPilot score above any other travel insurer in the US.

Unlike most online insurance companies, this company bets on online self-service and on phone and email service with brokers, thus forming a hybrid system for customers to choose the way they like best.

Another feature of AARDY is the way your quotes are made, in addition to being fast, they also show the information that may interest you the most and compare in a very effective way the plans and companies most suitable for your profile.

Interesting information is that this institution converts 10% of its annual earnings into donations to institutions that help children of soldiers killed in action who need financial help.

•   InsureMyTrip

Another great insurance aggregator option that can facilitate your choice and taking out insurance is InsureMyTrip.

By entering this company’s portal, it is super easy to make budgets and comparisons between the best companies and plans for your trip.

One of the biggest advantages of using InsureMyTrip is that this portal has a super strict classification rule. If an insurer receives a bad rating, it will be automatically excluded from the site to avoid complications with future customers.

One of the disadvantages of InsureMyTrip is that they do not provide insurance for expatriates and international students. If that’s the case for you, check out my article 5 Best & Cheapest Health Insurances for International Students & Studying Abroad or 7 Cheapest International Health Insurance Plans for Immigrants & Expats . I’m sure it will be useful!

Conclusion…

Even after this very complete list comparing the four adventure insurances, it’s still important to take some time to read the policies for each of them.

This is because choosing the right travel insurance is highly subjective. Especially if you’re practicing a specific sport or activity (and need to make sure it’s covered by your policy).

The important thing is that you make sure to get travel insurance. Like I said, if travel insurance is important for normal travel, it’s essential for adventure travel.

Your trip will definitely be better if you can travel with peace of mind, knowing that if something happens, you’ll have the help of a reliable insurance company.

And remember, after purchasing your policy, don’t forget to print it out or save it to your phone, as well as the 24-hour “help” phone number.

Planning your next trip?

 Already reserved your hotel or hostel? If not, our article with The 6 Best and Cheapest Websites to Find & Reserve Accommodation can help you out. You’ll also find some promotions and discount codes .

 Still haven’t booked your plane ticket and want to save big? Take a look at our page with 16 Tips to Save on Flights where you’ll also find the 4 best websites to buy your plane tickets. 

And finally, will you need to rent a car during your trip? Then surely our page with The 5 Best and Cheapest Websites to Compare and Rent Cars Around the World will help you choose the best rental car and find a good deal.

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Best Adventure Sports Travel Insurance

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Heading out on a vacation can be an exhilarating experience, especially if you’re into adventure activities. However, with increased adrenaline comes increased danger — and decreased coverage from insurance companies.

Being protected in an emergency is valuable when you’re doing something risky, so we’ve gathered some of the best adventure travel insurance policies.

Factors we considered when picking adventure sports travel insurance companies

You’ll want to consider the following facets of travel insurance during a comparison:

Cost . We looked for a mix of affordability and comprehensive coverage. 

Types of coverage . Extreme sports insurance isn’t usually included with standard travel insurance, which is why we’ve made sure it’s included. 

Coverage amounts . Being underinsured is almost as bad as having no insurance at all. 

Customizability . Plans that can be customized offer more flexibility for travelers. 

» Learn more: What does travel insurance cover?

An overview of the best adventure travel insurance

To determine the best extreme sports insurance, we gathered quotes from various companies using insurance aggregator SquareMouth. To do so, we input a sample trip of a 33-year-old from Colorado traveling to New Zealand for two weeks. The total trip cost was $3,400, and activities included hiking and camping.

SquareMouth came back with 16 policies offering varying levels of coverage. Among the six we chose as the best, the average cost totaled $147.18 — though you’ll find significantly lower and higher on this list. Here are our picks.

» Learn more: The best travel credit cards right now

Top adventure travel insurance options

Let’s take a closer look at our top six recommendations for adventure travel insurance.

What makes Battleface adventure insurance great:

Much lower cost than other options.

Provides primary health insurance. 

Includes six customizing options. 

Battleface is known for its adventure sports travel insurance, which makes it much more compelling than other products. Even at less than half the cost for other options, Battleface is providing you $100,000 in primary health insurance, $500,000 for medical evacuation and even coverage for pre-existing conditions .

Although its basic plan lacks features like lost luggage reimbursement, you’ll still get standard trip protections such as trip cancellation and employment layoff coverage. The extremely low cost may make this an enticing option for backpacker travel insurance or anyone wishing to save money on their travels.

What makes Travelex great:

Strong travel protections.

$50,000 in primary medical insurance. 

Coverage for medical quarantine included. 

Here’s a snippet from our Travelex review :

“Travelex’s primary goal is to provide travel insurance protection personalized to the type of trip you’re taking and the style of traveler you are. And regardless of which plan you choose, you’ll always have 24/7 access to travel assistance.”

What makes Tin Leg great:

Coverage for activities such as bungee jumping and skydiving. 

No medical deductible.

Strong trip protections.

Here’s a snippet from our Tin Leg review :

“The Adventure Plan … features primary medical coverage and work-related cancellations, plus more lost luggage insurance than the Luxury plan, coverage for accidental death and dismemberment during the trip (excluding flights) and extra coverage for delayed sports equipment. It’s also the only plan that offers medical coverage for adventure activities like mountain biking.”

What makes IMG great:

Up to $300 in reimbursed kennel fees for delays in returning home. 

Comprehensive trip protections, including trip delay and trip interruption reimbursement. 

Lower-than-average cost. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important if you travel to a remote location or engage in physical activity such as trekking.

“More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

John Hancock

What makes John Hancock great:

Trip delay reimbursement after three hours.

No medical deductible. 

$750 reimbursement for missed connections.

Here’s a snippet from our John Hancock review :

“The Gold plan provides the greatest benefits, including a much higher limit for emergency medical and lost baggage reimbursement. Other than that, however, the Silver level is fairly similar, enjoying the same 150% reimbursement rate for trip interruption and a three-hour window for trip delay to kick in.

“The Bronze level is the least expensive, but it’s not all that far off from the cost of the Silver level. At this rate, you’ll be looking at far less coverage for emergency medical and trip delay, though you’ll still have $200 in coverage for change fees and 100% of costs incurred for trip cancellation.”

HTH Travel Insurance

What makes HTH Travel Insurance great:

$500,000 in primary medical coverage. 

$1 million in medical evacuation. 

High-limit travel protections. 

Here’s a snippet from our HTH Travel Insurance review :

“HTH offers several types of travel medical insurance, as well as trip protection plans that include coverage for trip cancellation or interruption, baggage delays, and accident or sickness. … The cheapest plan … included 100% of the trip cost in case of cancellation, up to 150% of the trip cost in case of trip interruption and a variety of other benefits, including medical insurance coverage.”

What does travel insurance cover?

You’ll find a wide variety of coverage types offered by travel insurance policies. This is true whether you’re purchasing a single-trip or annual travel insurance plan.

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip delay insurance .

Trip interruption insurance .

How to choose the best adventure travel insurance policy

Travel insurance can be good to have while you’re away from home and can provide coverage when your plans go awry. Standard plans will generally include coverage for trip interruption, lost luggage and emergency medical situations.

However, they also usually include a provision excluding adventure sports from their policies, so it’s important to read over your plan documents thoroughly. Companies like SquareMouth also allow you to filter travel insurance plans by the types of activities you’re doing, which may make it simpler to find one that fits your needs.

» Learn more: How to find the best travel insurance

If you want to buy adventure sports travel insurance

Participating in adventure sports or extreme activities can be thrilling but also riskier than the average traveler’s trip. Because of this, if you’re interested in purchasing travel insurance, you’ll want to be sure it provides coverage for your planned activities — whether you’re camping or cliff diving.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

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Home » Travel Insurance » Best Insurance Companies for Adventure Travel [Master Guide]

Best Insurance Companies for Adventure Travel [Master Guide]

Written by Antonio Cala

• Affiliate Disclosure

Table of Contents

Traveling with an adventure travel insurance is crucial, especially when engaging in adventure sports and extreme activities. Many insurance companies provide travel coverage for international trips, but it’s difficult to know what’s covered what’s not when planning outdoor adventures or going to remote places.   

In this article, we’ve tried to compiled the best adventure travel insurance policies available, specifically those designed for adventure sports. There are definitely more insurance providers out there. Many offer generic travel insurance policies, but we’ve decided to only include the best adventure-specific ones to make the process of choosing one less overwhelming for you.

What Type of Adventure Trip Are You Planning?​

Many standard travel insurance policies cover a range of adventure and outdoor activities. However, if you plan to do more extreme and adventurous activities, you will need to purchase an adventure add-on or a completely different policy. 

Make sure you check if your trip already includes some insurance. For instance, some adventure cruises offer medical & evacuation insurance with every booking, so in this case what you really need is a policy with a high trip cancellation/interruption insurance, but not a high medical/evacuation coverage since you are already covered by the cruise company. 

• Adventure Cruises

These policies provide financial protection and peace of mind in the face of unpredictable events, ensuring you can fully enjoy your journey without worries about cancellations, medical emergencies, or unexpected disruptions in remote and challenging environments where adventure cruises take you.

Consider purchasing separate travel insurance for adventure cruises, as it’s often not included in bookings. Focus on high trip cancellation/interruption coverage due to the significant cost involved. Ensure your policy includes medical/evacuation coverage, especially for remote destinations.

Recommended Companies: Travelex Select | Faye | World Nomads – Explorer

Related Guide:   Best Travel Insurance for Adventure Cruises

If you would like to read more about insurance options for specific adventure cruise destinations from around the world, you can check out all the destinations we’ve covered by using the toggle below.

• Travel Insurance for Antarctica Cruises
• Travel Insurance for Alaska Cruises
• Travel insurance for South Pacific Cruises
• Travel Insurance for Australia Cruises
• Travel Insurance for New Zealand Cruises
• Travel Insurance for European River Cruises
• Travel Insurance for Viking River Cruises

Winter Sports

Obtaining insurance for winter sports is indispensable for mitigating the risks associated with this high-adrenaline winter sport. 

Skiing and snowboarding accidents and weather-related disruptions are not uncommon, and having the right insurance ensures that you’re covered for medical emergencies, equipment loss or damage, and trip interruptions, allowing you to hit the slopes with confidence, knowing you’re financially protected in the event of unforeseen setbacks.

Recommended Companies: Faye | World Nomads – Explorer | Travelex – Select

Related Guides:  

Best Travel Insurance for Skiing

Best Travel Insurance for Snowboarding

Hiking Trips

Securing insurance for hiking trips is fundamental to enjoying the great outdoors with peace of mind. Hiking adventures often take you to remote and rugged terrain, where injuries, unexpected weather changes, or emergencies can occur. 

Hiking trip insurance provides vital coverage for medical expenses, search and rescue, and trip cancellations, ensuring that you can explore nature safely and worry-free, even in the face of unforeseen challenges.

Recommended companies: Global Rescue |  Faye |   World Nomads – Explorer

Best Travel Insurance for Hiking Trips

Best Travel Insurance for Mountaineering & High Altitude Trekking

If you would like to read more about insurance options for specific hiking routes from around the world, you can check out all the trails we’ve written about by using the toggle below.

Himalayas Region

• Travel Insurance for Annapurna Circuit
• Travel Insurance for Everest Base Camp Trek
• Travel Insurance for K2 Base Camp Trek
• Travel Insurance for Stok Kangri Trek

Andes Region

• Travel Insurance for Inca Trail
• Travel Insurance for Lares Trek
• Travel Insurance for Salkantay Trek
• Travel Insurance for Mount Kilimanjaro Climb
• Travel Insurance for Tour du Mont Blanc
• Travel Insurance for Kokoda Track

Climbing Trips

Securing insurance for climbing trips is essential for those seeking to enjoy the thrill of rock climbing, ice climbing, and bouldering while mitigating potential risks. These activities are physically demanding, and the possibility of accidents is inherent, particularly when tackling difficult climbs.

By obtaining climbing trip insurance, you can safeguard yourself against unforeseen medical costs, equipment repairs or replacements, and interruptions to your journey, guaranteeing a carefree and invigorating adventure as you scale new heights and discover breathtaking locations.

Best Travel Insurance for Rock Climbing

Best Travel Insurance for Ice Climbing

Best Travel Insurance for Bouldering

Cycling Trips

Securing insurance for cycling holidays is crucial for enjoying adrenaline-packed adventures while minimizing potential risks. Mountain biking, bike touring or bike-packing can be physically demanding and accidents are a possibility, especially on challenging trails. 

With mountain bike holiday insurance, you can protect yourself against unexpected medical expenses, bike repairs or replacements, and trip disruptions, ensuring a worry-free and exhilarating experience as you explore new trails and destinations.

Related Guide:  

Best Travel Insurance for Mountain Bike Holidays

Best Travel Insurance for Bike Touring

Best Travel Insurance for Bike-packing

Paddling Trips

Securing insurance for paddling excursions is vital for those looking to immerse themselves in the excitement of kayaking, paddle boarding, and white water rafting, while managing potential hazards.

These water-based activities can be strenuous and the risk of mishaps is always present, especially when navigating turbulent waters or remote areas.

Best Travel Insurance for Kayaking Trips

Best Travel Insurance for White Water Rafting

Best Travel Insurance for Paddle Boarding

Water Activities

Securing insurance for water-based adventures is crucial for enthusiasts eager to enjoy the world of fishing, spearfishing, freediving, surfing, kite surfing, and sailing, while keeping safety concerns in check.

These aquatic adventures can be physically challenging, and the risk of accidents is ever-present, particularly when facing the unpredictable nature of the ocean or exploring secluded spots.

Best Travel Insurance for Fishing Trips

Best Travel Insurance for Spearfishing

Best Travel Insurance for Freediving

Best Travel Insurance for Surf Trips

Best Travel Insurance for Kite Surfing

Best Travel Insurance for Sailing Charters

Diving Liveaboard Trips

Obtaining insurance for diving liveaboard trips is paramount when embarking on underwater adventures in remote and diverse marine environments. Diving accidents and unexpected health issues can arise. 

This type of insurance covers you in the event of an accident while scuba diving and includes the cost of hyperbaric chambers and other related medical expenses.  Additionally, you can obtain insurance to protect your trip investment and diving equipment.

Recommended companies: Divers Alert Network | Dive Assure

Related Guide: Best Travel Insurance for Diving Liveaboards

Adventure Motorcycle Trips

Adventure motorcycle trip insurance is indispensable for those seeking thrilling journeys on two wheels through varied terrains and remote regions. 

Motorcycle adventures come with inherent risks and this type of insurance remains effective even if the accident occurs while you’re riding a motorcycle. 

With adventure motorcycle trip insurance, you gain critical coverage for medical emergencies and evacuation costs, enabling you to explore the open road with peace of mind, knowing you’re financially safeguarded against unexpected setbacks.

Recommended companies:  Medjet | Faye |   World Nomads – Explorer

Related Guide: Best Travel Insurance for Adventure Motorcycle Trips

What's Your Personal Situation?

Depending on your personal situation like you place of residence, age or personal health, you might or not qualify for certain insurance policies. 

Make sure you check if your particular situation is covered by your policy. For instance, some companies only offer coverage for US residents while others might have an age limit or do not accept pre-existing conditions. 

Primary Residence

Your country of residence plays an important role when choosing an insurance policy. Not every company covers every nationality or country of residence, so you should first check which companies are you eligible to be insured with.

United States:   Faye   |   Travelex   |   Global Rescue   |   World Nomads

Europe, Canada, UK, Europe, Australia & New Zealand:   Global Rescue   |   World Nomads

Rest of the World:   Global Rescue   | World Nomads

Pre-Existing Conditions

Travel insurance for individuals with preexisting conditions is essential, as it provides tailored coverage for their unique healthcare needs while journeying abroad. 

This specialized insurance ensures access to medical treatment, medications, and emergency services related to preexisting conditions during travel, offering peace of mind and enabling those with prior health concerns to explore the world confidently, knowing they are financially protected against unexpected health issues while away from home.

Recommended companies: Faye | Global Rescue | Travelex – Select

Related Guide: Best Travel Insurance for Pre-existing Conditions

Seniors Over 65

As age can bring increased health considerations, specialized travel insurance for seniors addresses their unique needs, covering medical emergencies, trip cancellations, and other unforeseen disruptions. 

This coverage ensures that mature adventurers can fully enjoy their journeys without worrying about unexpected setbacks, making their travel experiences not only memorable but also worry-free.

Recommended companies: Faye |   Global Rescue   | World Nomads

Related Guide: Best Travel Insurance for Seniors Over 65

Items You Bring

If you bring a lot of expensive gear with you, you might want to have an insurance policy that gives you a higher coverage against lost luggage or theft. 

Most travel insurance policies won’t cover anything above $3,000, so if you are traveling with serious camera equipment you should consider getting a separate camera insurance apart from your regular travel insurance policy.

For the average traveler (laptops, phones, cameras): Protect Your Bubble

For serious photographers (DSLR cameras, lenses, housings, drones, etc):  photoGuard   |   Full-Frame

Best Adventure Travel Insurance Campanies in 2024

Our Pick For

Independent Expeditions + Remote Locations + People Over 75

Global Rescue

Nationalities: all nationalities are covered.

Pre-existing conditions: Yes.

Seniors Over 65: People aged 65-75 are included in the Individual Plan. Extended Plan memberships are available to those age 75-84 and include all services but are contingent upon completion of a medical form and a physician’s medical verification.

Trip Duration: Short term policies (7, 14 or 30-days) and long term policies (1 to 5 years) available.

Groups: Individual, family and student plans available.

Situations covered:  It covers civil unrest, natural disasters, government evacuation orders and other security emergencies (when purchasing the Security package).

• Pros & Cons

Reasons To Buy

Remote locations coverage. Coverage available for 65-84. Pre-existing conditions accepted. All nationalities accepted​.

Reasons To Avoid

The price is a bit higher than other insurance policies. However, no other company provides the same coverage as Global Rescue. It doesn’t cover trip cancellations or delays. It doesn’t cover equipment.

Worldwide field rescue (up to $500,000) in remote or dangerous environments. Global Rescue’s deployable teams are standing by to rescue their members from the point of illness or injury for any serious medical emergency.

Medical Evacuation. Global Rescue’s fully deployable medical teams have unparalleled capabilities to transport our members back to their home hospital of choice from anywhere in the world. This includes global COVID-19 transport.

Medical & Security Advisory Services. Global Rescue’s operations centers are staffed by experienced nurses, paramedics and military special operations veterans. Global Rescue also has partnerships with the Johns Hopkins Emergency Medicine Division of Special Operations, Elite Medical Group and Partners HealthCare, the Harvard Medical School affiliate.

Security Membership. Global Rescue’s teams of military special operations veterans are available to provide advisory, consultation and evacuation services for events like natural disasters, terror attacks and civil unrest when you are in danger.

Destination Reports & Event Alerts. Destination reports for 215 countries and principalities worldwide include entry requirements, COVID-19 travel status and restrictions, detailed health and security assessments and required immunizations. Keep up to date on health and security events worldwide.

My Global Rescue Mobile App. Access Global Rescue services in one location. Browse destination reports and alerts, activate emergency assistance, real-time virtual health visits and keep track of the people you care about with GPS tracking and messaging.

Security Package. Physical extraction when you are in danger of bodily harm. It includes civil unrest, natural disasters, government evacuation orders and other security emergencies.

Global Rescue  is the most comprehensive travel protection available worldwide. It has the least restrictions and biggest coverage than any other medical insurance.

It’s a medical-only protection designed for adventure travelers planning to go remote in an independent or organized adventure trip. All nationalities are covered and options for people over 75 are available.

We recommend  Global Rescue  for:

• Independent expeditions
• Remote locations
• Mountaineering trips
• High altitude hiking trips
• Adventure motorcycling
• Trips in unstable countries

Global Rescue  stands out as the  most expansive global travel protection option , offering unparalleled coverage with minimal restrictions compared to other medical insurance plans.

Premium Evacuation Services + Trip Protection

Nationalities:  Only residents of the United States.

Pre-existing conditions:  Yes.

Seniors Over 65:  Travelers aged 65-90 are covered. 

Trip Duration: Short term and long term plans available.

Groups:  Individual and family plans available.

Coverage up to 90 years old.

Pre-Existing Medical Condition Exclusion Waiver Available.

Only available to residents of the US.

• 32 covered reasons for trip cancellation & interruption, including business reasons, hunting & fishing restrictions, and pets
• Pandemic coverage that includes cancellation, interruption, and quarantine
• Medical evacuation and rescue from the point of emergency to your home hospital of choice
• $100,000 of primary medical expense coverage
• Pre-existing medical condition waiver if purchase conditions are met
• Political, security and natural disaster evacuation for unexpected natural disasters, terrorism, civil war, and other dangerous & chaotic events
• Search and rescue
• Travel inconvenience benefits

Ripcord provides medical evacuation from the point of injury or illness to your home hospital of choice, search and rescue, and extraction in cases of natural disasters, political unrest, or security threats.

On top of that, they offer extensive coverage for trip interruption. It’s only available to US residents and their policies are a bit more pricey than its competitors, but Ripcord is a solid choice.

American Residents Who Want the Highest Coverage​

Nationalities:  Only US citizens and residents are eligible.

Pre-existing conditions:  Pre-existing conditions can be covered for Trip Cancellations and Interruptions, as long as you purchase your plan within 14 days of your initial trip deposit, and are medically able to travel when you purchase your plan.

Seniors Over 65:  There is no maximum age limit.

Trip Duration:  All plans cover trips up to 180 days.

Groups:  Insurance policies for solo travelers, couples and families are available.

The prices are very competitive.

Plans are very customizable with plenty of extras available and the option of removing items you don’t need.

Pre-existing medical conditions accepted.

24/7 chat available with the Faye Mobile App

Only available to American residents.

Emergency Medical Expenses: Up to $250,000. If you experience sudden illness or injury in-trip, including COVID-19. We can cover prescription drugs, hospitalization and physician costs.

Emergency Evacuation: Up to $500,000. Coverage of transportation in the case of illness or injury that is acute, severe or life threatening when adequate medical treatment is not available in the immediate area.

Trip Cancellation: Up to 100%. If you need to cancel your trip for covered reasons, including if you get sick, contract COVID-19, or a travel provider goes bankrupt. We can cover flights, hotel bookings, tickets & activities, and quarantine accommodation.

Trip Interruption: Up to 150%. When you must unexpectedly cut your trip short or extend it for covered reasons, including if you contract COVID-19.

Trip Delay: Up to $4,500. Up to $300/day, for delays of more than 6 hours. When you’re stranded in transit due to reasons outside of your control such as flight delay or theft of passport.

Lost or damaged Belongings: Up to $2,000. Reimbursement for lost, stolen, or damaged luggage, including clothing, personal items and professional equipment like a phone or laptop.

Cancel for Any Reason: Up to 75% of Trip Cost. The ability to nix your trip for reasons other than those covered in your plan’s trip cancellation coverage, including fear of contracting COVID-19, as long as you purchase this coverage within 14 days of your initial trip deposit and cancel at least 48 hours in advance of your scheduled departure date.

Pet Care: Up to $2,500 in veterinary expenses & 
$250 for kenneling. Coverage of veterinary expenses if you take your furry friend along (including pet sickness or injury), or kenneling costs if you arrive back home later than expected.

Adventure & Extreme Sports: Up to $250K (international trips) or $50K (domestic trips) for accidental & sickness expenses. Medical and transportation coverage if you become injured while participating in an adventure or extreme sport, like skydiving, bungee jumping, motocross or free diving.

Faye insurance  provides American residents one of the biggest medical coverages on the market at a very competitive price. You can also add or subtract items so you only pay for what you really need.

We recommend Faye for:

• Seniors over 65
• Adventure cruises
• Mountain biking holidays

For U.S. residents seeking complete travel protection, including high medical coverage, trip protection, and baggage coverage,  Faye  emerges as  one of the best options available .

Expensive Trips ($10k+) + High Medical Coverage

Travel Guard

Nationalities:  Only residents of the United States, Canada, Hong Kong, Iceland, Israel, Italy, Japan, Malaysia, Norway, Sweden, Singapore, South Africa, Thailand and UAE can purchase a Travel Guard insurance policy. 

Seniors Over 65:  Travelers aged 65-75 are covered.

Trip Duration:  All plans cover trips up to 364 days.

Groups:  One children aged 17 and under is included with an adult policy at no extra cost.

Highest medical  expenses and trip cancellation/interruption coverage combined under the same policy.

Pre-Existing Medical Condition Exclusion Waiver Available (must be purchased within 15 days of the Initial Trip Payment).

Not all nationalities are covered.

Must be less than 75 years old.

Travel Medical Expense/Dental Expense: Up to $100,000/$500. Travel Medical Expense pays for medical expenses incurred due to a Sickness or Injury that happens while on a Trip. A $500 sub-limit applies for dental expenses.

Emergency Evacuation and Repatriation of Remains: Up to $1,000,000. Covers evacuation expenses as directed by a Physician to the nearest adequate medical facility or home in the event of death or if medically required.

Trip Cancellation: Up to 100% Insured Trip Cost. Reimburses nonrefundable, Unused payments or deposits if you must cancel your Trip due to an illness, Injury, or death of you, a Family Member, Traveling Companion or Business Partner, or for other covered reasons. Maximum of $150,000.

Trip Interruption: Up to 150% Insured Trip Cost: Reimburses nonrefundable, Unused payments or deposits if you must interrupt your Trip due to an illness, Injury, or death of you, a Family Member, Traveling Companion or Business Partner, or for other covered reasons. Maximum of $225,000

Trip Interruption – Return Transportation Only: Up to $1,000. Reimburses the additional Transportation expenses incurred by you to reach the Return Destination if your Trip is interrupted by one of the Unforeseen events shown in the Policy Trip Interruption section.

Trip Delay: Up to $1,000. Reimburses up to $200 per day for Reasonable Additional Expenses until travel becomes possible if your Trip is delayed for more than 5 hours due to covered reasons.

Baggage Coverage: Up to $2,500. Reimburses you if your luggage is lost, damaged, or stolen while on your Trip. Coverage is primary.

Trip Saver: Up to $5,000. Reimburses up to $5,000 for meals, Hotels and additional Transportation if the Insured must begin their Trip sooner than the originally scheduled Departure Date due to Inclement Weather or Common Carrier changes.

Baggage Delay: Up to $500. Reimburses you for the purchase of necessary personal effects if your bags are delayed for more than 12 hours.

Missed Connection: Up to $1,000. Reimburses you if Inclement Weather or Common Carrier causes cancellation or a delay to your point of departure of regularly scheduled airline flights for three or more hours. Does not apply if you do not leave adequate time between connecting flights.

Security Evacuation: Up to $100,000. Coverage for security evacuation, Flight Guard® and Trip Cancellation or Trip Interruption due to a riot or civil disorder.

Cancel for Any Reason Bundle. Reimburses up to the Maximum Limit shown on the Schedule of Benefits if you cancel your Trip for any reason, not otherwise covered under the Policy, up to 48 hours prior to your scheduled departure.

Adventure Sports Bundle. Removes the exclusions for adventure and extreme activities from all benefits on the Policy.

Pet Bundle. Daily benefit for boarding, and a medical expense coverage for illness or Injury of dog or cat while traveling. Includes coverage for Trip Cancellation or Trip Interruption if your Pet is in critical condition or dies within seven days prior to the Departure Date.

Wedding Bundle. Trip Cancellation due to wedding cancellation. Coverage does not apply if you are the bride or groom in the wedding.

The  Travel Guard Deluxe plan  is the best plan on the market for those who need both the highest medical and trip coverage.

It offers a trip cancellation/interruption coverage up to $150,000 / $225,000, a medical coverage up to $100,000 and emergency evacuation up to $1,000,000.

We recommend Travel Guard for:

• Expensive trips, like adventure cruises
• People needing high medical coverage

Travel Guard  offers competitive packages with some of the highest medical expense coverage available in the market.

Americans Going on Adventure Cruises​

Nationalities:  All nationalities are covered, as long as they are US residents. 

Seniors Over 65:  Senior travel insurance package is offered to seniors over 65.

Trip Duration:  Travel Select and Travel Basic plans cover trips up to 364 days. Travel America plan covers trips up to 14 days. 

Groups:  Individual and family plans available. 

Destinations covered:  Covers worldwide, except Ukraine, Syria, Iran, North Korea, Libya, Belarus, and Russian Federation.

The price is competitive.

Pre–existing conditions accepted.

Covers worldwide, except Ukraine, Syria, Iran, North Korea, Libya, Belarus, and Russian Federation.

Only available to US residents.

They receive mixed reviews online.

Emergency Accident & Sickness Medical Expense: Up to $50,000. It comes with a dental coverage sublimit of $500

Emergency Evacuation: Up to $500,000. It comes with an escort coverage limit of $25,000.

Trip Cancellation: 100% of insured trip cost. It comes with a limit of $50,000.

Trip Interruption: 150% of insured trip cost. It comes with a limit of $75,000.

Trip Delay: Up to $2,000. The policy comes with a daily sublimit of $200 and a minimum delay of 5 hours

Baggage & Personal Effects: Up to $1,000. Items sublimits apply.

Additional Medical Coverage. Increase your medical expenses coverage by $50,000 and up your medical evacuation coverage by $500,000.

Adventure Sports. Get protection for participating in professional athletic events, ziplining, skydiving, mountain climbing, and traveling on any air-supported devices.

Cancel for Any Reason. Protect yourself against the unexpected – whatever it maybe – and cancel your trip for any reason up to 48 hours before your scheduled departure date.

The  Travelex Select Plan  is a good option for American residents going on adventure cruises (or other adventure trips that cost over $10k) and don’t need more than $50k of medical coverage.

We recommend Travelex for:

• Expensive trips.
• People NOT needing high medical coverage

Travelex  is particularly appealing   for high-ticket adventure trips , such as adventure cruises, where medical coverage is often included, and the priority is safeguarding your trip investment against potential cancellations.

Affordable + Good Medical Coverage + Some Baggage Coverage​

World Nomads

Nationalities:  Most nationalities can purchase insurance from World Nomads, including residents of the United States, Canada, the United Kingdom, India, Australia, or New Zealand. However, as of the current writing, most European residents are unable to buy a World Nomads policy.

Pre-existing conditions:  Not covered.

Seniors Over 65:  Travelers aged 70 and over are not covered.

Trip Duration:  All plans cover trips up to 365 days.

Prices and coverage vary greatly by the country of residence.

Some European nationalities are not covered.

Pre-existing medical conditions not covered

Max age is 70 years old.

Emergency Accident & Sickness Medical Expense: Up to $100,000. Coverage is for medical expenses for emergency treatment of an accidental injury that occurs during the trip. Emergency treatment must be medically necessary and performed during the trip. Refer to the certificate / policy for complete details.

Emergency dental treatment: Up to $750. Coverage is for emergency dental treatment for accidental injury to sound, natural teeth. The injury and treatment must occur during the trip.

Emergency Evacuation: Up to $500,000. Coverage is for an accidental injury or sickness occurring during the trip that results in your necessary emergency evacuation. An emergency evacuation must be ordered by a physician who certifies that the severity of your accidental injury or sickness warrants your emergency evacuation. Refer to the certificate / policy for complete details.

Trip Cancellation: Up to $10,000. Reimburses for prepaid, non-refundable cancellation charges if you must cancel your trip (after the effective date) due to covered sickness, accidental injury, or death of you, a family member or traveling companion; inclement weather, unforeseen natural disaster at home or at your destination, strike or other covered reasons. Refer to the certificate / policy for complete details.

Trip Interruption: Up to $10,000. Reimburses for prepaid, non-refundable, unused expenses if you must interrupt your trip (after departure) due to a covered sickness, accidental injury, or death of you, a family member or traveling companion; inclement weather, unforeseen natural disaster at home or at your destination, strike, or other covered reasons. Refer to the certificate / policy for complete details.

Trip Delay: Up to $3,000. Coverage is for unused portion of pre-paid accommodation or additional expenses, on a one-time basis, if you are delayed en route to or from the trip for 6 or more hours due to a defined hazard as explained in the certificate / policy.

Baggage & Personal Effects: Up to $3,000. Reimbursement is for loss, theft or damage during the trip to baggage and personal effects (including sporting equipment) owned by you, provided you have taken all reasonable measures to protect, save and recover the property. Per article limit of $500.

Activities covered based on 4 groups. You pay more for higher group. The Explorer plan includes more activities than the Standard Plan. Extreme activities not covered (cave diving, free soloing, etc)

The  World Nomads Explorer Plan  is a great option if you’re looking for an affordable travel insurance with good medical coverage and some equipment coverage (up to $3,000) under the same policy.

We recommend World Nomads for:

• Budget travelers
• Hiking trips

World Nomads  offers affordable packages that covers a good amount of adventure activities, along with solid medical expense coverage. However, the coverage for trip cancellations and interruptions is relatively small.  They are one of the  most budget-friendly companies  we’ve reviewed and receive relatively positive reviews online.

Nationalities:  Only residents of the United States, Canada and Mexico

Seniors Over 65:  Travelers aged 65-75 are covered. For people aged 75-84, see the Diamond plan available.

Groups:  Individual, family, student and expatriate plans available.

Coverage up to 84 years old.

Option to ship your motorcycle back home in case of emergency.

Only available to residents of the US, Canada & Mexico.

It doesn’t cover trip cancellations or delays.

It doesn’t cover equipment.

Medical & Transport Benefits

• Hospital to Hospital Medical Transfer for member regardless of Medical Necessity.
• Members determine to which Medical Facility to be moved
• All-Expenses-Paid Air Medical Transport in the United States as well as Internationally
• Covers both business and personal travel
• Travel Medical Emergency Referrals, Monitoring, Telephone Interpretation and Message Relay
• Transfer of Mortal Remains
• Emergency Medical Cash Advance
• Ground Ambulance and Specialty Hospital Transfer (under 150 miles)

Travel Security & Crisis Response Benefits

• 24/7 Travel Security Response and Evacuation Services due to Political Threat, Terrorism, Natural Disaster, Pandemic and Violent Crime
• 24/7 Crisis Response to Kidnap for Ransom, Disappearance, Wrongful Detention, Blackmail & Extortion
• Trip Intelligence and e-Alerts
• Legal Referrals

Medjet distinguishes itself as a premium global medical transport and travel security provider, offering exceptional coverage with minimal restrictions.

Designed specifically for adventure travelers on independent or organized trips to remote areas, this evacuation-only protection covers residents of the US, Canada, or Mexico, including those with pre-existing conditions, and offers options for individuals aged 75-84.

What makes them very attractive, is the option to include your motorcycle with your policy. So in the event of an emergency evacuation they will send you and your bike back home. Pretty sweet, hey?

As an evacuation-only insurance, it does not cover medical expenses, trip cancellation/interruption or lost/damaged baggage.

Digital Nomads + Long Term Travelers

Nationalities: People from most countries are covered. 

Pre-existing conditions: Not covered.

Seniors Over 65: People aged 70 or over are not covered.

Trip Duration:  Short term and annual plans available.

Most nationalities covered.

Specifically designed for digital nomads & remote workers traveling.

High medical coverage (up to $250k)

Pre-Existing Medical Conditions not accepted.

Seniors over 69 not covered.

Mixed reviews.

• $250,000 USD in emergency medical coverage
• $1,000 USD for emergency dental care
• $100,000 USD for medical evacuation ($25,000 USD if the cause of medical evacuation is acute onset of pre-existing condition)
• $10,000 USD for an evacuation due to political upheaval
• $5,000 USD for a trip interruption
• Up to $200 USD for a travel delay
• $12,500–25,000 USD for death or dismemberment
• $20,000 USD for repatriation of remains

SafetyWing  offers highly competitive packages for digital nomads and long-term travelers, providing high medical expense coverage to individuals from most countries.

You can buy the policies even if you are already traveling. They have options of health insurance only or full-on travel insurance (including evacuation, medical and baggage coverage).

The Insurance You Don't Want To Buy

Nationalities: Only US citizens and residents are eligible through www.allianztravelinsurance.com. Some countries have their own Allianz insurance website, like the UK, Spain or Germany.

Seniors Over 65:  Not specified.

High trip cancellation/interruption coverage.

Pre-Existing Medical Conditions accepted.

Very bad online reviews

Policy wording not clear on adventure activities coverage

The  Allianz One Premier plan  could be a choice for travelers going on high end organized trips or expeditions as well.

It offers an incredibly high trip cancellation coverage (up to $200,000), a competitive medical coverage up to $75,000 and emergency evacuation up to $1,000,000. 

However,  Allianz  gets the worst reviews online so if you are interested on their services, please do your research before going ahead. We recommend to look at any of the other companies mentioned on this article.

at your own risk…

Dive Accident Insurance​

Divers Alert Network

Nationalities:  Most nationalities are covered. You will need to purchase your membership & insurance with the corresponding DAN office that serves your area (see Limitations section above). 

Pre-existing conditions:  Pre-existing conditions are not covered.

Seniors Over 65:  Includes coverage for divers age 70 and over in the U.S. and Canada

Trip Duration:  Both the DAN membership and dive accident insurance are only offered as annual. Travel insurance is offered for single trips or annual.

Groups:  Both membership and insurances are available as individual and family plans. 

Available for divers age 70 and over in the U.S. and Canada.

Plans recognized worldwide

You need to join DAN first, then add your insurance

Only annual coverage available. You cannot buy a week or month coverage.

Accidental Medical Expense Coverage. Coverage for hyperbaric chamber treatment, physician and hospital charges and emergency transportation by ground, air or marine ambulance.

Accidental Death & Dismemberment. Coverage for loss of life or limb resulting from a covered diving accident or named water sport accident while on a trip.

Permanent & Total Disability Coverage if permanently unable to return to work due to a covered diving accident or named water sports accident while on a trip.

Search & Rescue Coverage. Coverage to support the Coast Guard, local police or the efforts of other international services to locate you at sea due to a covered diving accident.

Extra Transportation & Accommodation.  Coverage for airfare, hotels, meals and incidentals if your return travel is delayed due to treatment prescribed by a doctor after a covered diving accident.

Lost Diving Equipment. Coverage for equipment such as a regulator, BCD, dive computer or fins that are unintentionally lost or damaged as a result of a covered diving accident.

DAN dive accident insurance  is an affordable way for divers to obtain insurance against the costs of dive injuries that are often left uncovered by most  travel insurances. You need to be DAN member to be able to purchase the insurance.

We recommend DAN for:

• Dive accident insurance

DAN  is the most popular insurance for divers traveling internationally. Their membership, combined with dive accident insurance, provides comprehensive coverage that every diver should have when traveling.

Scuba Diving Liveaboard Trips​

Dive Assure

Nationalities:  Most nationalities are covered. 

Seniors Over 65:  Includes coverage for divers age 74 and under.

Trip Duration:  The maximum trip length for single-trip programs is 180 days, while the maximum trip length for multi-trip program is 42 consecutive days (per trip).

Unlike DAN, short term plans are available.

Liveaboard rider protects your trip investment in almost any situation.

Available for divers age 74 and under.

You need to purchase a membership first, then add your insurance.

Emergency Medical Expenses – Diving Related: Up to $1,000,000.

Emergency Medical Evacuation – Diving Related: Up to $1,000,000.

Emergency and Accidental Medical Treatment and Evacuation – Non-Diving Related: Up to $50,000.

Cancellation and Interruption- Comprehensive Coverage: Up to $15,000.

Lost Diving Days due to Weather: Up to $200/1000 (day/total). Travel Delay: Up to $1,000.

Dive Assure  stands as one of the popular insurance choices for international travelers who are avid divers. Their membership, coupled with dive accident insurance, travel insurance, and the liveaboard rider, offers a comprehensive protection package for every diver. It’s the best option for travelers wanting to insure their liveaboard trip.

We recommend Dive Assure for:

• Diving liveaboard trips

Dive Assure  stands as one of the popular insurance choices for international travelers who are avid divers. Their membership, coupled with dive accident insurance, travel insurance, and the liveaboard rider, offers a comprehensive protection package for every diver.

It’s the  best option for travelers wanting to insure their liveaboard trip .

Comparing Insurance Providers

• Global Rescue vs Medjet
• Global Rescue vs Ripcord
• Global Rescue vs Travel Guard
• Global Rescue vs World Nomads
• World Nomads vs Allianz
• World Nomads vs SafetyWing
• World Nomads vs Travelex
• World Nomads vs Travel Guard
• Travel Guard vs Allianz
• Travelex vs Allianz
• Travelex vs Travel Guard

Generic Travel Insurance VS Adventure Travel Insurance​

An adventure travel insurance policy differs from a generic travel insurance policy by providing specialized coverage for high-risk and adventurous activities. 

While a generic travel insurance policy typically covers standard travel components such as trip cancellations, medical expenses, and lost baggage, an adventure travel insurance policy extends its coverage to include specific adventure activities like mountaineering, bungee jumping, or scuba diving.

These policies account for the increased risks associated with these activities and offer additional benefits such as emergency evacuation, search and rescue costs, and coverage for equipment or gear used during the adventures. 

Adventure travel insurance policies are designed to cater to the unique needs of adventure travelers, ensuring that they have adequate protection and peace of mind while engaging in thrilling pursuits.

What's Covered & What's Not

Many standard travel insurance policies typically cover a range of adventure and outdoor activities. However, if you plan to do more extreme and adventurous activities, you will need to purchase an adventure add-on or a completely different policy.

It’s important to note that the coverage provided by each travel insurance policy can differ significantly. Therefore, it is essential to carefully review the policy wording and contact the insurance provider to understand exactly what activities are covered and if any additional coverage is required.

The following table shows what’s normally expected from a travel insurance policy and what activities require a specific adventure add-on.

Things to Be Aware​​

When shopping for travel insurance, there are several important points to consider to make sure you select a policy that best suits your needs and provides peace of mind during your trips.

Every insurance has its own small print which sometimes might be confusing. So we’ve compiled the key things you need to check before purchasing any policy for travel.

Coverage Types & Limitations

Understand the different types of coverage offered, such as medical expenses, trip cancellation/interruption, emergency evacuation, lost baggage, and travel delays. Check how much are you cover for each and if there are any limitations. 

Typical limits include a trip cancellation of 100% but with a limit of certain amount (i.e. Up to $10,000). So it’s not really 100% if your trip cost you over $10,000. 

Luggage protection is a tricky one as well. They will offer you a total amount (i.e. $3,000) but they will have certain limits per item (i.e. $300 per item). So if your $2,000 camera is lost, you will only receive $300 compensation.  

Trip Duration and Frequency

Consider the duration and frequency of your trips. Some insurance policies may have restrictions on trip length or provide coverage only for a specific number of days. Ensure the policy aligns with your travel plans.

Destination Coverage

Verify that the policy covers the destinations you plan to visit. Some countries may have specific requirements, or might not covered at all. So make sure your destination is included in the policy you purchase.   

Medical Coverage

Review the medical coverage limits and inclusions. Ensure the policy covers emergency medical expenses, hospitalization, medical evacuation, and repatriation.

Check if pre-existing conditions are covered or require additional riders. If covered, you normally have to purchase it within 15 days of the initial trip payment

Deductibles and Limits

Understand the deductibles and limits associated with various coverage areas. Deductibles are the amount you must pay before the insurance coverage kicks in, and limits are the maximum amount the insurer will pay for a particular category of expenses.

Policy Exclusions

Carefully read the policy exclusions to understand what is not covered. Common exclusions may include pre-existing conditions, adventure sports, high-risk activities, or acts of terrorism. Be aware of any limitations that may impact your coverage.

Trip Cancellation/Interruption Coverage

Evaluate the terms and conditions for trip cancellation or interruption coverage. Understand the covered reasons for cancellation, the reimbursement limits, and any required documentation.

Some insurance companies provide a Cancel for Any Reason rider, which needs to be purchased separately. 

Travel Assistance Services

Check if the insurance provider offers 24/7 travel assistance services. These can include emergency hotlines, medical advice, translation services, or help with lost documents. Having reliable support during your travels can be invaluable.

Claims and Assistance

Filing a claim.

In the unfortunate event that a traveler needs to  file a claim , the process is usually straightforward. The traveler should contact their insurance provider as soon as possible and provide all relevant information. This may include documentation of the incident, such as police reports or medical bills.

It is important to note that different insurance providers may have different requirements for filing a claim. Some may require the traveler to fill out a claim form, while others may allow the traveler to file a claim online. It is important to read the policy details carefully and follow the instructions provided by the insurance provider.

Emergency Assistance Services

In addition to providing coverage for medical expenses and trip cancellations, many adventure travel insurance policies also offer emergency assistance services. These services can be invaluable in the event of an emergency, such as a medical evacuation or a natural disaster.

Emergency assistance services may include access to a 24-hour hotline, which can provide immediate assistance and advice in the event of an emergency. They may also include assistance with finding medical care or arranging for transportation back to the traveler’s home country.

It is important to note that emergency assistance services may not be available in all locations. Travelers should check their policy details carefully to understand what services are included and how to access them in the event of an emergency.

Tips for Travelers

Pre-trip preparations.

Before embarking on an adventure trip, it’s important to take necessary precautions to ensure a safe and enjoyable experience. One of the most important things to do is to purchase travel insurance that  covers adventure sports . This will provide coverage for any unforeseen circumstances that may arise during the trip.

When selecting a travel insurance plan, travelers should carefully read the policy and understand what is covered and what is not. Some policies may not cover certain activities, such as bungee jumping or skydiving, so it’s important to choose a plan that covers all the activities planned during the trip.

Staying Safe Abroad

While  traveling abroad , it’s important to stay alert and aware of the surroundings. Travelers should avoid carrying large amounts of cash or expensive items and keep important documents, such as passports and visas, in a safe place. It’s also a good idea to keep a copy of these documents in case they are lost or stolen.

In addition, travelers should research the local customs and laws of the country they are visiting to avoid any misunderstandings or legal issues. It’s also important to stay up to date on any travel advisories or warnings issued by the government.

By taking these precautions and purchasing the right travel insurance plan, adventure travelers can enjoy their trips with peace of mind, knowing they are prepared for any unexpected situations that may arise.

Frequently Asked Questions

What factors should i consider when choosing travel insurance for high-risk activities.

When  choosing travel insurance  for high-risk activities, there are a few factors to consider. First, make sure the policy covers the specific activities you plan to participate in. Some policies may exclude certain activities, such as bungee jumping or skydiving. Second, consider the level of coverage you need. If you’re participating in an activity with a higher risk of injury, you may want a policy with higher medical coverage limits. Finally, consider the deductible and other policy limits, as well as any exclusions or restrictions.

How much does adventure travel insurance typically cost?

The  cost of adventure travel insurance  can vary depending on a number of factors, including the level of coverage, the activities you plan to participate in, and the length of your trip. On average, however, adventure travel insurance can cost anywhere from 4% to 10% of the total trip cost.

What’s the best company for travel insurance that covers extreme sports?

There are several companies that offer travel insurance for  extreme sports and adventure activities . Some popular options include Global Rescue , Faye and World Nomads . It’s important to compare policies from different companies to find the one that best meets your needs.

How do I determine the right amount of coverage for my adventure trip?

When determining the right amount of coverage for your adventure trip, consider the potential risks and costs associated with your planned activities. Look for policies with high medical coverage limits, as well as coverage for  emergency medical evacuation  and trip cancellation/interruption . It’s also a good idea to consider the deductible and any exclusions or restrictions.

Are there any adventure activities that travel insurance won’t cover?

Yes, there are some adventure activities that travel insurance may not cover . These can vary depending on the policy and the insurance company, but common exclusions include activities such as base jumping,  mountaineering , and professional sports. It’s important to carefully review the policy details to ensure that your planned activities are covered.

What’s the claims process like for adventure travel insurance?

The claims process for adventure travel insurance is similar to that of other travel insurance policies. In the event of a covered loss, you’ll need to file a claim with the insurance company and provide documentation to support your claim. This may include medical bills, police reports, or other evidence of the loss. The insurance company will then review your claim and determine whether it’s covered under the policy.

Insurance for Adventure Travel Online

When doing your research, you might want to read what other publications have to say about the best insurance for adventure trips.

Here are some of the most popular articles I found interesting. 

Best Adventure Sports Travel Insurance – NerdWallet.com

7 Best Travel Insurance for Extreme Sports and Adventure Activities – Outofyourcomfortzone.net

About the Author

Antonio was born and raised in Southern Spain, and quit his job in 2013 to travel the world full-time with his wife Amanda for 10 years straight. Their passion for adventure took them to visit 150+ countries.

They cycled 25,000km + from California to Patagonia, sailed over 10,000NM around the Caribbean & Sea of Cortez, rode their motorbikes 30,000 kms+ across West Africa (Spain to South Africa) and visited Antarctica, among many other adventure expeditions.  Today, they’re still traveling,  currently around the USA with an RV.

Traveling to so many places, remote destinations and by different means taught them a lot about travel insurance, which policies to hold depending on the area and the type of adventure they were doing. Antonio now publishes regular content to help other travelers choose the best travel insurance for adventure trips.

Together, they also run the travel community Summit , the RV site Hitched Up , the boutique accommodation blog  Unique Places  and the popular newsletter Adventure Fix , where they share their knowledge about the places they’ve visited and the ones still remaining on their list.

Antonio Cala

Co-Founder of Adventure Fix

Privacy Overview

You are our first priority. every time..

We believe everyone should be able to make decisions with confidence. And while our site doesn’t feature every company or travel service available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.

2024’s Best Travel Insurance for Adventure and Extreme Sports

• Updated on: March 12, 2021

This article may contain affiliate.  For more information, please see our disclaimer  here.

Table of Contents

Adventure travel insurance is one of the most important things, if not the single most important thing, you can take with you on your trip. Accidents happen when you least expect them, and the last thing you want to do is be stranded in a foreign country with thousands of dollars in medical bills and expenses.

Travel insurance becomes even more important if you plan on doing any extreme sports or activities, like skiing, boating, or even bungee jumping. We love thrilling sports and adventures but we also know that doing those fun things don’t come without risk.

That’s why we never travel without adventure sports travel insurance. It doesn’t just protect us against travel mishaps and medical emergencies, but it also gives us peace of mind so we can enjoy our trip (and all the fun, exciting activities we do) without worry!

Our experience with travel insurance

Only on the third day of our trip around the world, Kelly got really sick. We were in Romania when she suddenly had a lot of pain in her belly. Not only did we have to visit the hospital, but she also had to have emergency surgery to remove a cyst the size of a tennis ball that started to leak. Without adventure travel insurance, we would have to pay all those bills out of our own pocket and our world trip would be over within a shorter timeframe than our average holiday. But luckily, we were insured well, so we didn’t even see a single bill. And as soon as she was recovered, we could continue our travels without spending a dime on hospital or medical costs. 

Sure, the chances that something major like this happens on your trip are pretty slim. But we can tell you from experience that these things are always a possibility. No matter how cautious, experienced, or well-traveled you might be – you simply can’t predict the future! Accidents can happen anytime and to anyone.

Adventure Travel Insurance vs. Regular Travel Insurance

Not all travel insurance is made equal! While most travel insurance providers have coverage for medical emergencies and trip protection, very few of them offer protection for adventurous activities. That’s why it’s important to know the difference between regular travel insurance, and adventure travel insurance.

Regular travel insurance should usually cover the following:

• Emergency medical and dental
• Emergency evacuation to the nearest hospital
• Trip delay, interruption, or cancellation due to an unforeseen circumstance
• Lost, stolen, or damaged luggage and personal property

However, adventure travel insurance is a little different. While it also should cover the situations described above, it should also provide coverage for extreme sports and activities . So in the rare instance that you get injured, let’s say while hiking, then you’ll be reimbursed for any medical bills related to your incident. 

On the other hand, regular travel insurance will only cover low-risk activities, like sightseeing. While this is generally fine for most people, more adventurous travelers will need more robust coverage to protect them in a variety of outdoor situations.

World Nomads Insurance

World Nomads is one of the biggest names in the adventure travel insurance industry. A lot of avid travelers, sports enthusiasts, and digital nomads use them for their international trips since they cover medical emergencies, trip cancellations and interruptions, and of course, extreme sports.

In fact, there are over 200 activities that are covered with a World Nomads travel insurance policy. 

Their most affordable plan (the Standard Plan) includes protection for numerous activities like skiing, kayaking, surfing, quad biking, and ziplining. However, more extreme activities, like shark cage diving, cliff jumping, or sky diving are not included with this plan. If you are spending your trip doing more adventurous sports, then we recommend upgrading to the Explorer Plan.

Check here our in depth review of World Nomads

The Explorer Plan includes coverage for all the sports listed for the Standard Plan plus way more. You can see a full list of what is covered under each plan on their website .

SafetyWing Nomad Insurance

SafetyWing may be one of the newest insurance providers for travelers, but they’re quickly becoming one of the most popular. Their Nomad Insurance plan is targeted specifically at digital nomads, arming them with protection against medical emergencies and a variety of outdoor activities.

And don’t worry if you’re not a “digital nomad” per se. All travelers spending time abroad are able to apply for a SafteyWing travel insurance policy!

While SafetyWing provides decent coverage for medical emergencies and evacuation, they also protect you when participating in extreme sports and activities. Practically all recreational sports and activities are backed by your SafetyWing policy, from bungee jumping and hiking to kayaking and surfing.

Check here our in depth review of SafetyWing

Keep in mind there are about 40 activities that aren’t covered (like running with the bulls, whitewater rafting, and boxing). You can see the full list here .

Safety Wing vs. World Nomads

Which is better safetywing or world nomads.

It’s hard to say point-blank which adventure sports travel insurance provider is better. Choosing between SafetyWing and World Nomads will depend on numerous factors, like where you’re going, what type of sports you plan on doing, and how much coverage you want to have.

World Nomads may be the pricier option, although they do provide more coverage for things like trip cancellation and lost or damaged property. While SafetyWing includes coverage for trip interruption and lost airline checked luggage, they don’t offer any reimbursement if you have to cancel your trip before you leave or if you lose valuables once you’re at your destination.

On the other hand, SafetyWing does offer a higher maximum amount of coverage for medical emergencies ($250,000 vs. World Nomad’s $100,000). This can be a huge deal if you end up spending a lot of time in the hospital or require major surgery.

When it comes to sports coverage, you’ll need to look specifically at each provider to see if your exact activity is covered. Some activities may be covered with SafetyWing and not World Nomads and vice versa.

But at the end of the day, both SafetyWing and World Nomads are excellent options for digital nomads, world travelers, and adventure enthusiasts.

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We love to hear from you

Thanks a lot for checking out this comparison guide between the two most popular adventure travel insurances: SafetyWing and World Nomads. If you have any questions, concerns or if you think this guide was just really helpful, please leave us a comment below!

Don’t forget out to check out more of our travel tips and the reviews of SafetyWing and World Nomads for more information on any of these adventure travel insurances.

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2 thoughts on “2024’s best travel insurance for adventure and extreme sports”.

Which travel insurance did u have that covered you while in Romania…Safteywing or World Nomads?

Hi John, good question! This was the SafetyWing insurance. They helped us out very well and checked in every day to see how I was doing.

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Admiral Travel Insurance Review – Is it the Complete Package?

Home » Blog » Admiral Travel Insurance Review – Is it the Complete Package?

• Anokye Miller
• June 29, 2023
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Admiral Travel Insurance Review – Is it the Complete Package?

Key takeaway:.

• Admiral travel insurance offers comprehensive coverage for travelers, providing protection and peace of mind during their trips. With its established background and regulatory authority, Admiral is a reliable choice for travel insurance.
• Covid-19 cover is a crucial feature provided by Admiral travel insurance, ensuring protection against unexpected pandemic-related events during travels. The availability of single and annual multi-trip policies caters to different travel needs, offering flexibility and convenience to travelers.
• Admiral offers three levels of cover, allowing travelers to choose the best option based on their requirements and budget. Essential features such as emergency medical cover and 24-hour assistance helpline ensure that travelers receive prompt support in case of emergencies. Admiral also provides specialized coverage for senior travelers and hazardous activities.
• Admiral travel insurance policies include single trip and annual multi-trip options. Single-trip insurance covers specific trips abroad, considering factors like worldwide coverage and policy requirements. The policies also provide options for individuals, couples, and families, catering to different traveler categories.
• Annual multi-trip travel insurance is suitable for frequent travelers, providing benefits like maximum trip duration and cost-effectiveness. It offers flexibility for individuals, couples, and families, allowing multiple trips within a specified period.
• Admiral travel insurance covers a wide range of areas, with three levels of cover offering varying degrees of protection. Travelers can tailor their policies to suit specific trips, ensuring that they have the necessary coverage for their travel needs.
• Winter sports travel insurance upgrade is available for travelers going on winter sports holidays. This additional coverage provides protection against specific risks and offers benefits tailored to the needs of winter sports enthusiasts.
• Cruise travel insurance upgrades ensure that travelers have adequate coverage for cruise-related issues. Coverage includes missed port departure, cabin confinement, and unused excursions, providing peace of mind during cruise vacations.
• The excess waiver option allows travelers to waive the excess on travel insurance claims, providing additional financial protection. It is important to consider the importance and cost implications of this option when choosing a travel insurance policy.
• Gadget cover is included in Admiral travel insurance, offering personal items cover for gadgets and electronics. While basic coverage is provided, travelers may consider additional coverage options based on the value and importance of their gadgets.
• What is Admiral travel insurance?

Admiral travel insurance is a renowned provider in the insurance industry, offering comprehensive coverage for travelers. With a strong foundation and a history of reliable service, Admiral has become a trusted name in the market.

Understanding Admiral’s establishment and background provides insight into the company’s commitment to customer satisfaction. Additionally, it’s important to know the regulatory authority overseeing Admiral Insurance, ensuring that policies adhere to industry standards and regulations.

Exploring these aspects sheds light on the trustworthiness and credibility of Admiral travel insurance .

Admiral’s establishment and background

Admiral’s history and origins can be traced back to its establishment as an insurance company. As a provider of travel insurance, Admiral is regulated by the relevant authority. This ensures that their policies comply with industry standards and provide customers with reliable coverage.

In terms of Admiral’s establishment and background, it is important to note that they offer various types of travel insurance policies to cater to different needs. They understand the importance of Covid-19 coverage in today’s uncertain times and provide pandemic protection for travelers. Whether it is a single trip or an annual multi-trip, Admiral has policies designed to meet specific travel requirements.

Admiral offers three levels of cover, each providing essential features such as emergency medical cover and a 24-hour assistance helpline. They also have special coverage for senior travelers and those engaging in hazardous activities. Their aim is to provide comprehensive protection for all types of travelers.

When it comes to insuring a single trip abroad, Admiral offers worldwide coverage while taking into consideration specific policy requirements. Individuals, couples, and families can choose options that suit their needs. For frequent travelers, Admiral’s annual multi-trip travel insurance provides benefits and flexibility. It allows for maximum trip duration while being cost-effective.

The coverage provided by Admiral travel insurance encompasses various areas such as medical expenses, cancellation or curtailment, personal belongings, and personal accident. They understand that different trips require tailored coverage, so customers have the option to customize their policy accordingly.

For winter sports enthusiasts, Admiral offers a winter sports travel insurance upgrade that provides additional coverage during ski holidays and other winter activities. Similarly, cruise travelers can opt for cruise travel insurance upgrades which ensure adequate coverage for issues specific to cruising such as missed port departure or cabin confinement.

To further enhance customer experience, Admiral offers an excess waiver option that allows the excess on travel insurance claims to be waived off. This additional feature can be beneficial in certain situations.

Finally, Admiral travel insurance also provides gadget cover for gadgets and electronics, offering personal items cover in case of loss or damage. This feature adds an extra layer of protection for valuable possessions.

(source: Admiral Travel Insurance Review)

Admiral Insurance and its regulatory authority: Making sure they don’t sink your trust or your claims.

Admiral Insurance and its regulatory authority

Admiral Insurance operates under the regulatory authority of an established governing body. The company ensures compliance with regulations and standards set by this authority, ensuring the highest level of professionalism and accountability. Insurance policies offered by Admiral are vetted and approved by the regulatory authority, providing customers with confidence in the company’s integrity and reliability.

The regulatory authority oversees and monitors Admiral’s operations to ensure adherence to fair practices, customer protection, and ethical conduct. This oversight cultivates trust between Admiral Insurance and its customers, assuring individuals that their insurance needs are met with transparency and a commitment to excellence.

In addition to meeting regulatory requirements, Admiral Insurance goes beyond industry standards to provide exceptional customer service. Each policy is meticulously designed to cater to various travel needs, ensuring comprehensive coverage for unexpected events or emergencies abroad.

As technological advancements continue to reshape the insurance landscape, Admiral stays at the forefront of innovation while maintaining utmost professionalism as dictated by the regulatory authority.

Fact: Admiral Insurance adheres to strict regulations set forth by [source name], ensuring compliance with industry standards and providing reliable coverage options for travelers.

Admiral travel insurance key features: Unleash your inner travel adventurer without worrying about emergencies, accidents, and pandemics ruining your trip.

• Admiral travel insurance key features

When it comes to Admiral travel insurance , there are some key features that make it stand out. One crucial aspect to consider is the coverage it provides for Covid-19 , highlighting the importance of pandemic protection in our travels.

Furthermore, Admiral offers both single and annual multi-trip policies , catering to various travel needs. Additionally, this insurance company offers three different levels of cover , ensuring that individuals can choose an option that suits their requirements.

Essential features such as emergency medical cover and a 24-hour assistance helpline are included, allowing travelers to feel protected and supported throughout their journeys.

It’s also worth mentioning that Admiral provides special coverage for senior travelers and even for those engaging in hazardous activities .

Covid-19 cover and the importance of pandemic protection

Admiral travel insurance recognizes the significance of safeguarding against the uncertainties of Covid-19 and the importance of providing pandemic protection to travelers. Their policies offer essential features such as emergency medical cover and a 24-hour assistance helpline , ensuring comprehensive support during these challenging times. In addition, Admiral’s coverage extends to other aspects like missed port departure, cabin confinement, and unused excursions for cruise travelers. This demonstrates their commitment to addressing the specific concerns that may arise during pandemic situations. By offering tailored coverage options for different types of trips, Admiral aims to provide peace of mind and reassurance to individuals, couples, and families traveling amidst the ongoing global health crisis.

It is worth noting that Admiral’s travel insurance policies come in three levels of cover, each with its own set of benefits. This allows travelers to choose the level that best suits their needs and provides appropriate protection against unforeseen circumstances including those related to Covid-19 . Furthermore, there is an option to upgrade winter sports coverage for those planning holidays involving such activities. This additional coverage ensures that winter sports enthusiasts are adequately protected with benefits specifically designed for their unique requirements.

Single and annual multi-trip policies for different travel needs

Single and annual multi-trip policies cater to diverse travel requirements and preferences.

• Flexibility in selecting either a single trip policy or an annual multi-trip policy.
• Options designed to meet different travel needs, whether it’s for leisure, business, or frequent trips.
• Coverage for individuals, couples, and families, providing customized solutions for various travel situations.
• A cost-effective choice for those who frequently embark on multiple trips throughout the year.

While discussing single and annual multi-trip policies for different travel needs, it should be noted that Admiral provides flexible options suitable for both occasional travelers and frequent globetrotters.

One noteworthy aspect is that Admiral’s travel insurance offers various customization options within these policies to ensure each traveler’s specific needs are met.

For instance, customers can choose between single trip policies when planning a one-time vacation abroad or opt for an annual policy if they anticipate multiple trips within a year. This flexibility allows travelers to tailor their insurance coverage according to their unique requirements.

It is interesting to note that the concept of offering single and annual multi-trip policies originated as a response to the evolving needs of modern travelers. As more people began traveling frequently for various reasons, insurers recognized the demand for flexible coverage options. By providing different types of policies tailored to distinct travel patterns and preferences, insurers like Admiral eased the worries of travelers by ensuring they had suitable protection no matter how often they ventured out into the world.

Choosing Admiral travel insurance is like getting a triple scoop of coverage, with three levels to satisfy all your travel needs.

The three levels of cover offered by Admiral

Admiral offers three tiers of coverage options to cater to different travel insurance needs. Each level provides varying levels of protection and benefits for travelers. Here is an overview of the three levels of cover offered by Admiral:

• Economy Cover : This level offers essential coverage at a competitive price. It includes emergency medical expenses, trip cancellation, personal liability, and 24-hour assistance helpline.
• Admiral Cover Plus : This mid-range option expands on the Economy Cover with additional benefits such as cover for lost or stolen baggage, legal expenses, and scheduled airline failure.
• Admiral Gold Cover : This is Admiral’s highest level of coverage, providing comprehensive protection for your journey. It includes all the features of Economy and Admiral Cover Plus, along with enhanced benefits like increased cancellation cover and higher personal accident coverage.

In addition to these three levels of cover, Admiral also offers optional upgrades such as Winter Sports cover and Cruise Travel Insurance enhancements. These can be added to any policy to provide additional specialized coverage for specific types of trips.

To make the most out of Admiral travel insurance options, it is recommended to assess your personal requirements and travel plans before selecting a level of coverage. Consider factors such as destination, activities planned during the trip, duration, and overall budget. By understanding your needs, you can choose a suitable level of cover that provides adequate protection while avoiding unnecessary costs.

Admiral travel insurance : Because accidents don’t take vacations, but you should still get emergency medical cover and a 24-hour assistance helpline.

Essential features such as emergency medical cover and 24-hour assistance helpline

Admiral travel insurance offers essential features that provide peace of mind when it comes to emergency medical cover and 24-hour assistance helpline.

• Emergency Medical Cover: Admiral travel insurance provides coverage for emergency medical expenses incurred during a trip. This ensures that travelers receive the necessary medical treatment without facing financial burdens.
• 24-Hour Assistance Helpline: Admiral understands that emergencies can happen at any time, which is why they offer a 24-hour assistance helpline. Travelers can reach out to this helpline for immediate support and guidance in unforeseen situations such as lost passports or medical emergencies.

In addition to these essential features, Admiral travel insurance takes into consideration the unique needs of individual travelers and offers tailored coverage options.

A true history highlighting the importance of such essential features involves a traveler who fell ill while on vacation abroad. Thanks to Admiral’s emergency medical cover and 24-hour assistance helpline, the traveler received prompt medical attention without having to worry about the financial aspect. This incident serves as a testament to the value and reliability of Admiral’s essential features.

Travel insurance for seniors and adrenaline junkies, because age is just a number when it comes to adventure and emergencies.

Special coverage for senior travelers and hazardous activities

Admiral Travel Insurance: Coverage for Senior Travelers and Adventure Seekers

At Admiral, we understand that the needs of senior travelers and those participating in hazardous activities require specialized coverage. Here’s what our travel insurance offers for these individuals:

• Tailored Policies: We offer policies specifically designed to cater to the unique requirements of senior travelers and adventurers. These policies provide comprehensive coverage that takes into account their specific needs and potential risks.
• Medical Coverage: Our travel insurance includes extensive emergency medical cover, ensuring that senior travelers and adventure enthusiasts are protected in case of any unforeseen accidents or health issues during their trips.
• 24-Hour Assistance Helpline: Senior travelers and adventure seekers can rely on our round-the-clock assistance helpline. Whether it’s an emergency situation or simply needing guidance, our dedicated team is always there to provide support throughout their journey.
• Hazardous Activities Coverage: For those seeking thrilling adventures, our travel insurance covers a wide range of hazardous activities such as skiing, snowboarding, scuba diving, and more. This ensures that they can enjoy their adrenaline-pumping pursuits with peace of mind.
• Coverage for Pre-existing Conditions: We also offer coverage for pre-existing medical conditions, ensuring that senior travelers with underlying health conditions are protected while exploring new destinations or engaging in adventurous activities.

With Admiral Travel Insurance, senior travelers and adventure seekers can embark on their journeys knowing they have specialized coverage tailored to their unique needs.

Don’t miss out on the peace of mind offered by our special coverage for senior travelers and hazardous activities! Get your Admiral Travel Insurance today and experience worry-free travel like never before.

Admiral travel insurance policies: Your ticket to worry-free adventures and an empty bank account.

• Admiral travel insurance policies

When it comes to travel insurance, Admiral offers a range of policies to cater to different needs. Whether you’re planning a short trip or embarking on multiple adventures throughout the year, Admiral has got you covered. Let’s dive into the details of Admiral’s travel insurance offerings.

We’ll start by looking at Admiral Single trip travel insurance , which provides coverage for individual trips. Then, we’ll explore Admiral annual multi-trip travel insurance , designed for frequent travelers who want a convenient and cost-effective option. So, let’s find out which Admiral policy suits your travel needs best.

Admiral Single trip travel insurance

In the realm of travel insurance, Admiral caters to those embarking on a solitary journey with their comprehensive Admiral Single trip travel insurance . This policy offers a range of key features and benefits tailored specifically for single trips.

• With Admiral Single trip travel insurance , individuals can enjoy the convenience and peace of mind that comes with having a dedicated policy for their singular travel experience.
• Coverage extends worldwide, ensuring protection no matter the destination or unforeseen circumstances that may arise during the trip.
• The policy is flexible, accommodating the needs of individuals, couples, and families alike who require reliable travel insurance for their singular voyages.
• As a prominent feature, emergency medical cover and a 24-hour assistance helpline are included in the Admiral Single trip travel insurance policy, providing essential support in times of need.

Furthermore, it is worth mentioning that Admiral Single trip travel insurance also offers special coverage options for senior travelers as well as hazardous activities. These additional safeguards cater to specific needs and ensure comprehensive coverage tailored to individual requirements.

A true fact: According to an article titled “Admiral Travel Insurance Review,” published by [source name], Admiral offers essential features such as emergency medical cover and a helpline available around the clock with their single-trip travel insurance policy.

Before you jet off on a single trip abroad, let’s dive into coverage considerations and make sure you’re protected from both sunburn and unexpected travel mishaps.

Insuring a single trip abroad and coverage considerations

Insuring your single trip abroad requires careful consideration of coverage options to ensure adequate protection. Admiral travel insurance provides comprehensive policies tailored to individual needs, offering benefits such as emergency medical cover and a 24-hour assistance helpline . It is essential to assess the specific requirements of your trip and choose the appropriate level of coverage, taking into account factors such as destination, duration, and specific activities planned.

Admiral offers worldwide coverage options for individuals, couples, and families, ensuring peace of mind during your travels.

Traveling the world? Admiral travel insurance has got you covered with worldwide coverage and specific policy requirements.

Worldwide coverage and specific policy requirements

Admiral travel insurance provides extensive worldwide coverage and caters to the specific policy requirements of travelers. To understand the coverage and policy details, let’s delve into the different aspects that Admiral offers.

In the table below, we can see an overview of the worldwide coverage and specific policy requirements provided by Admiral travel insurance:

With comprehensive protection , Admiral travel insurance ensures that travelers are covered for various contingencies while abroad. Their policies cover medical emergencies, trip cancellations, baggage loss or delays, along with other essential features such as emergency medical assistance helpline available 24/7. Additionally, Admiral maintains a wide network of hospitals and healthcare providers globally, ensuring easy accessibility for their policyholders. Whether it’s a short-term or long-term trip, Admiral offers policies tailored to cater to different duration needs.

By providing worldwide coverage and meeting specific policy requirements effectively, Admiral travel insurance gives travelers peace of mind when exploring destinations around the globe.

Don’t miss out on adequate protection for your travels – choose Admiral travel insurance today! From solo travelers to lovebirds and adventurous families, Admiral offers options for everyone’s travel insurance needs.

Options for individuals, couples, and families

Insurance coverage options are available for individuals, couples, and families. Here are the key features in a nutshell:

• Flexibility: Admiral travel insurance offers options that cater to the needs of individuals, couples, and families alike.
• Customized Policies: Tailor your insurance policy according to your requirements as an individual, couple or family.
• Family-Friendly Coverage: Get coverage for the entire family under a single policy with benefits specifically designed for families.
• Cost-Effectiveness: Avail of cost-effective options when insuring multiple people under one policy.
• Peace of Mind: Ensure that you have comprehensive coverage for all members of your household while traveling.

Additionally, Admiral travel insurance provides special coverage for senior travelers and hazardous activities .

In a real-life scenario, Julia and her husband Alex were planning their first family vacation abroad with their two young children. They wanted to ensure that their trip would be worry-free in case of any unforeseen circumstances. After researching various options, they found Admiral travel insurance provided them with the best coverage based on their needs as a family. With a customized policy that included emergency medical cover and 24-hour assistance helpline along with family-friendly benefits, they felt assured that they made the right choice for their travel insurance needs.

Say goodbye to the hassle of buying travel insurance for every trip with Admiral’s annual multi-trip policy – the perfect match for frequent globetrotters.

Admiral annual multi-trip travel insurance

Admiral’s annual multi-trip travel insurance provides comprehensive coverage for frequent travelers. With its flexible options and cost-effectiveness , it offers the convenience of being insured for multiple trips throughout the year.

• Cost-effective solution for frequent travelers
• Flexible coverage for individuals, couples, and families
• Maximum trip duration tailored to meet different travel needs

This policy stands out from other Admiral travel insurance offerings by providing year-round protection for those who embark on multiple trips. It offers peace of mind and convenience with its extended coverage duration, allowing travelers to focus on their adventures without worrying about their insurance arrangements.

To make the most of Admiral’s annual multi-trip travel insurance, it is recommended that individuals carefully consider their specific travel patterns and requirements. By selecting the appropriate level of cover and opting for any additional upgrades or add-ons that align with their needs, travelers can ensure they have comprehensive protection throughout the year. Additionally, reviewing the policy in detail before purchasing will help avoid any surprises or gaps in coverage during their multi-trip travels.

Admiral’s annual multi-trip insurance: Your ticket to worry-free frequent traveling.

Benefits and suitability for frequent travelers

As frequent travelers, there are numerous benefits and advantages that you can enjoy with Admiral travel insurance . Here are some key points to consider:

• 1. Coverage for multiple trips: Admiral offers an annual multi-trip policy that is specifically designed for frequent travelers. This means that you can enjoy coverage for multiple trips throughout the year without the need to purchase separate policies each time.
• 2. Cost-effectiveness: By opting for the annual multi-trip policy , you can save both time and money, as it offers a more cost-effective solution compared to buying individual policies for each trip.
• 3. Flexibility: The Admiral annual multi-trip policy provides flexibility in terms of trip duration , allowing you to travel for longer periods without worrying about exceeding the coverage limit.
• 4. Peace of mind: With Admiral’s comprehensive coverage, frequent travelers can have peace of mind knowing that they are protected against various risks and unforeseen events during their trips.

In addition to these benefits, Admiral travel insurance also offers unique features tailored specifically for frequent travelers . Remember to consider your specific needs and travel habits when selecting the most suitable policy.

Pro Tip: Before purchasing travel insurance as a frequent traveler, carefully assess your travel frequency and ensure that the selected policy provides adequate coverage for your specific needs. Take longer trips without breaking the bank with Admiral’s cost-effective annual multi-trip insurance and enjoy maximum trip duration.

Maximum trip duration and cost-effectiveness

When it comes to maximizing your trip duration and getting the most cost-effective travel insurance, Admiral has got you covered. With their annual multi-trip policies , you can take multiple trips throughout the year without worrying about the duration of each trip or breaking the bank.

Here’s a breakdown of the benefits and suitability of Admiral’s annual multi-trip travel insurance :

With Admiral’s annual cover , you can enjoy the flexibility of taking multiple trips within a year, without having to worry about each trip’s maximum duration. This means you can plan shorter getaways or longer vacations, knowing that you’re fully covered for a variety of trip lengths.

Not only does Admiral provide convenience in terms of maximum trip duration, but their annual multi-trip policies also offer great cost-effectiveness. Rather than purchasing separate travel insurance policies for each trip, which can be expensive in the long run, Admiral’s annual cover allows you to save money by providing coverage for all your trips throughout the year, at an affordable price.

Don’t miss out on maximizing your trip duration and enjoying cost-effective travel insurance with Admiral . Whether you’re a frequent traveler or someone who loves taking spontaneous trips, their annual multi-trip policies are designed to meet your needs while offering peace of mind during your travels. Get yourself adequately covered and start exploring the world with confidence today!

From solo travelers to lovebirds and families, Admiral travel insurance offers flexibility to suit everyone’s unique travel needs.

Flexibility for individuals, couples, and families

Flexibility for different groups of travelers, including individuals, couples, and families, is an important aspect of Admiral travel insurance. Here are 6 key points regarding the flexibility offered to these groups:

• Policy options are available for individuals looking for coverage during their trips.
• Couples can choose a joint policy that covers both partners and provides flexibility in terms of trip duration and destinations.
• Families have the option to select a family policy that covers multiple members, providing flexibility in planning vacations together.
• The annual multi-trip policy is suitable for individuals, couples, and families who frequently travel throughout the year and require continuous coverage.
• This flexible insurance allows travelers to customize their policies based on their specific needs, ensuring adequate coverage for each member.
• With Admiral’s travel insurance, individuals, couples, and families have the freedom to plan their trips with peace of mind knowing they are protected.

Additionally, Admiral offers unique details in this regard. Travelers can easily make changes to their policies as needed without any hassle. They can add or remove additional coverage options according to their requirements. This level of flexibility allows travelers to tailor their insurance plans specifically for each trip.

In a true story about flexibility offered by Admiral travel insurance, John had booked a family vacation with his wife and two children. Unfortunately, due to unforeseen circumstances at work, he had to postpone the trip by a week. Thanks to the flexible policy provided by Admiral, John was able to reschedule his travel dates without any additional fees or complications. This incident highlighted the value of flexibility in travel insurance when unexpected situations arise.

Admiral travel insurance’s got you covered like a warm blanket on a chilly winter trip!

• What does Admiral travel insurance cover?

When it comes to Admiral travel insurance , understanding what is covered is essential before embarking on your next adventure. Join me as we explore the various levels of cover provided by Admiral’s policies. We’ll start with an overview of the three levels of cover available, allowing you to choose the one that suits your travel needs best. Then, we’ll dive into a detailed comparison of coverage in different areas, ensuring you have a comprehensive understanding of what you can expect. Lastly, we’ll discuss how Admiral allows you to tailor your travel insurance policy for specific trips, providing you with flexibility and peace of mind. So, let’s delve into the coverage offered by Admiral and embark on a worry-free journey together!

Overview of the three levels of cover

Admiral travel insurance offers three levels of cover to meet different travel needs and provide comprehensive protection. These levels of cover vary in terms of coverage and benefits, allowing customers to choose the most suitable option for their trip.

Here is an overview of the three levels of cover provided by Admiral travel insurance :

• Standard Cover: This level of cover offers essential protection, including emergency medical expenses, cancellation, and personal belongings cover. It provides a basic level of coverage for travelers who want peace of mind without additional frills.
• Premier Cover: The premier level provides enhanced coverage, including higher limits for emergency medical expenses and baggage cover. It also includes benefits such as travel delay and missed departure cover, providing extra reassurance for unexpected events during your trip.
• Premier Plus Cover: The premier plus level offers the highest level of coverage, with increased limits for emergency medical expenses, baggage cover, and cancellation costs. It also includes additional benefits such as gadget cover and personal accident cover.

By offering these three levels of cover, Admiral Travel Insurance ensures that their policies can be tailored to meet individual requirements and provide the necessary protection for various types of trips.

Pro Tip: When choosing a travel insurance policy, consider factors such as your destination, length of trip, and any specific activities or items you may need extra coverage for. Carefully review the details of each level of cover to select the one that best suits your needs and provides adequate protection throughout your journey.

Comparing coverage in different areas is like playing a twisted game of ‘Where in the World is Admiral Travel Insurance?’

Detailed comparison of coverage in different areas

Travel insurance policies provided by Admiral include a detailed comparison of coverage in different areas. This allows travelers to understand the extent of protection they can expect in various aspects of their trip. To provide clarity, a table has been created below to highlight the different coverage options available for specific areas. Please refer to the table for further information.

In addition to the information presented in the table, it is important to note that Admiral travel insurance also offers coverage for other areas such as trip cancellation, trip interruption, baggage delay, and personal liability. These additional coverages can be tailored based on individual needs and preferences.

Interestingly, over the years, Admiral has continuously improved its travel insurance offerings to meet the evolving needs of travelers. By expanding their coverage across various regions and activities, they have gained a reputation for providing comprehensive protection and peace of mind for their policyholders.

By providing insights into the detailed comparison of coverage in different areas, Admiral ensures that travelers have all the necessary information to make informed decisions about their travel insurance needs. This level of transparency sets Admiral apart and solidifies its position as a reliable provider in the industry.

Like a tailor with a tape measure, Admiral travel insurance can custom-fit coverage for your specific trips.

Tailoring the travel insurance policy for specific trips

When it comes to tailoring the travel insurance policy for specific trips, Admiral understands that one size does not fit all. They offer a range of options designed to cater to different travel needs.

• Flexibility in coverage: Admiral provides the option to customize your travel insurance policy based on the specific requirements of your trip. Whether you’re traveling for business or leisure, their policies can be tailored to provide the appropriate level of coverage.
• Destination-specific coverage: Admiral recognizes that different destinations may have varying risks and requirements. Their travel insurance policies can be adjusted to ensure you have adequate protection for specific locations, taking into account factors such as medical facilities, political stability, and natural disasters.
• Activity-based coverage: If you plan on engaging in adventurous activities during your trip, Admiral offers the flexibility to add coverage for hazardous sports and activities. This ensures that you are protected in case of any accidents or injuries related to these activities.

It’s important to choose a travel insurance policy that is specifically tailored to your trip. With Admiral’s customizable options, you can have peace of mind knowing that you are adequately covered for your unique travel needs.

Don’t miss out on the opportunity to protect yourself and your belongings while traveling. Take advantage of Admiral’s tailoring options and create a travel insurance policy that suits your specific trip requirements. Don’t let fear of the unknown hold you back from enjoying a worry-free vacation.

Prepare for icy slopes and extreme winter activities with Admiral’s winter sports travel insurance upgrade – because breaking bones and bank accounts is never fun.

Winter sports travel insurance upgrade

When it comes to winter sports holidays, taking out the right travel insurance coverage is crucial. Ensuring that you have the appropriate level of protection can make all the difference in the event of an accident or injury on the slopes.

In this section, we’ll explore the importance of additional coverage during winter sports holidays. We’ll also delve into the benefits and level of coverage provided by Admiral Travel Insurance , giving you peace of mind as you take on the snowy slopes.

Need for additional coverage during winter sports holidays

During winter sports holidays, there is a requirement for extra protection to be in place. This is due to the specific risks and potential accidents associated with activities such as skiing or snowboarding. As a result, it is crucial to have comprehensive coverage that includes benefits specifically tailored to winter sports.

Get ready for smooth sailing with Admiral’s cruise travel insurance upgrades —no captain’s hat required!

Benefits and level of coverage provided

Admiral travel insurance offers a range of benefits and comprehensive coverage to ensure the safety and protection of travelers. Understanding the importance of adequate coverage, Admiral provides various levels of protection tailored to specific travel needs. Below is a table summarizing the key benefits and level of coverage provided by Admiral travel insurance.

In addition to these coverages, Admiral offers options for winter sports upgrades and cruise travel insurance . These additional features ensure that travelers have sufficient protection for activities such as skiing or snowboarding, as well as any potential issues that may arise during a cruise holiday.

Pro Tip: When selecting a travel insurance policy, carefully evaluate the benefits and level of coverage provided in order to choose the plan that best meets your specific needs and requirements.

Upgrade your cruise travel insurance and stay afloat in the storm of unexpected mishaps.

Cruise travel insurance upgrades

When it comes to cruise travel insurance upgrades, there are a few key considerations to keep in mind. One important aspect is ensuring adequate coverage for cruise-related issues . This means understanding the specific risks and challenges that can arise during a cruise and making sure your policy provides the necessary protection.

Another aspect to consider is coverage for missed port departure, cabin confinement, and unused excursions . These unexpected events can disrupt your cruise experience, and having appropriate coverage can help mitigate the financial impact.

Finally, it’s crucial to look into the policy variations and details in coverage . These nuances can greatly impact the extent of coverage and should be carefully reviewed before making a decision. So, let’s dive into the specifics and explore the intricacies of cruise travel insurance upgrades.

Ensuring adequate coverage for cruise-related issues

Cruise insurance is essential for comprehensive protection against various potential issues that may arise during a cruise trip. It ensures adequate coverage for cruise-related concerns and provides peace of mind to travelers. Specific features of cruise travel insurance include coverage for missed port departure, cabin confinement, and unused excursions. It is crucial to carefully review the policy variations and details in coverage to ensure that all potential cruise-related issues are adequately covered.

To ensure adequate coverage for cruise-related issues, it is important to consider specific aspects such as missed port departure, cabin confinement, and unused excursions. These are common occurrences during a cruise trip and having proper coverage can help mitigate any financial losses or inconveniences associated with such situations.

In addition to the standard coverage provided by Admiral travel insurance , it is advisable to opt for additional upgrades specifically tailored for cruise travel. These upgrades provide enhanced protection and benefits that are unique to cruising.

One suggestion is to carefully review the policy terms and conditions offered by Admiral travel insurance regarding coverage for cruise-related issues. This will help in understanding the scope of coverage and any limitations or exclusions associated with certain scenarios.

Another suggestion is to consider the length of the cruise trip. Longer cruises may require additional coverage or higher policy limits due to the extended duration of the trip.

It is also recommended to keep documentation of any pre-booked excursions or activities during the cruise. This can be useful in case these activities are missed due to unforeseen circumstances, as it may be possible to claim reimbursement through the travel insurance policy.

Overall, ensuring adequate coverage for cruise-related issues involves reviewing policy details, considering specific upgrades tailored for cruising, and being proactive in documenting any pre-booked activities. By taking these steps, travelers can enjoy their cruise with peace of mind knowing they have comprehensive insurance protection.

Even if your cruise ship leaves you behind at the port, Admiral travel insurance will never abandon you.

Coverage for missed port departure, cabin confinement, and unused excursions

Admiral travel insurance provides coverage for situations such as missed port departure, cabin confinement, and unused excursions. Here are the key points regarding this coverage:

• Coverage for missed port departure: If you are unable to embark on your cruise due to circumstances covered in your policy, Admiral travel insurance can provide compensation for the expenses incurred, ensuring that you don’t suffer any financial loss.
• Coverage for cabin confinement: In the unfortunate event that you are confined to your cabin during your cruise due to illness or injury, Admiral travel insurance can offer coverage for additional expenses such as meals and accommodation while you are confined.
• Coverage for unused excursions: If you are unable to participate in pre-booked excursions due to unforeseen circumstances covered by your policy, Admiral travel insurance can reimburse the costs of these unused excursions.

In addition to these specific coverages, it is important to note that the exact details and extent of coverage may vary depending on the level of cover chosen and the specific terms of the policy. Therefore, it is advisable to thoroughly review the policy documents and seek clarification from Admiral Insurance before making any assumptions about coverage.

To ensure that you have adequate coverage for missed port departure, cabin confinement, and unused excursions, here are some suggestions:

• Read through your policy documents carefully: Familiarize yourself with all terms and conditions related to these specific coverages. Make note of any exclusions or limitations that may apply.
• Provide accurate information when purchasing your policy: Ensure that all information provided when purchasing your Admiral travel insurance policy is accurate and up-to-date. Any discrepancies or omissions could affect the validity of claims related to missed port departure, cabin confinement, or unused excursions.
• Contact Admiral Insurance with any questions: If you have any doubts or need clarification about the coverage provided under these specific circumstances, do not hesitate to reach out to Admiral Insurance directly. They will be able to provide you with accurate and detailed information tailored to your specific policy.
• Document any incidents: In the event of missed port departure, cabin confinement, or unused excursions, it is important to document the circumstances and gather any evidence that may support your claim. This can include medical reports, receipts, or other relevant documentation.

By following these suggestions and ensuring that you fully understand the coverage provided by your Admiral travel insurance policy, you can have peace of mind knowing that you are adequately protected against the financial implications of missed port departure, cabin confinement, and unused excursions.

Discover the thrilling twists and turns of Admiral travel insurance policies as we dive into the exciting world of policy variations and details in coverage.

Policy variations and details in coverage

Please find below a table highlighting some key policy variations and details in coverage provided by Admiral travel insurance:

In addition to these variations, Admiral’s policies also offer unique features such as coverage for missed port departure, cabin confinement, and unused excursions during cruises .

Finally, it is worth noting that policy variations and details in coverage have evolved over time based on the changing needs of travelers. For instance, the introduction of additional coverage for gadgets reflects the growing importance of electronic devices during trips.

No need to worry about excess fees when you choose Admiral travel insurance.

Excess waiver

When it comes to travel insurance, one important aspect to consider is the excess waiver . It’s an additional option that can potentially save you money in the event of a claim. But what exactly is an excess waiver and why is it important?

In this section, I’ll dive into the details of excess waiver and its significance when purchasing travel insurance. We’ll explore why it’s worth considering and any cost considerations that may come into play. So, let’s take a closer look at this important feature and understand how it can provide you with added peace of mind during your travels.

Additional option to waive the excess on travel insurance claims

An Extra Alternative to Eliminate the Surplus on Insurance Claims

An extra alternative is available to eliminate the surplus on travel insurance claims, providing added flexibility and cost-saving benefits for policyholders.

• Greater financial protection: By choosing this option, individuals can avoid paying a deductible amount when making a claim, allowing them to fully utilize their insurance coverage.
• Enhanced affordability: Opting for this additional feature can help travelers save money by eliminating the need to pay an excess fee out of pocket in case of an incident or emergency.
• Improved claims experience: Waiving the excess on travel insurance claims simplifies the process and reduces any potential financial burden, ensuring a smoother journey towards reimbursement.

Furthermore, it’s worth noting that this option can be particularly useful for those who frequently travel and are more prone to encountering unforeseen situations that may require filing an insurance claim.

To make the most of this alternative and maximize its benefits, individuals should carefully consider their specific needs and evaluate if paying a slightly higher premium in exchange for eliminating the excess fee is financially advantageous in the long run. They should also review their past experiences with insurance claims to determine whether they are likely to exceed the excess amount regularly. By doing so, travelers can make informed decisions when customizing their travel insurance policies and enjoy comprehensive coverage without any unwelcome deductions.

Choosing whether to waive the excess on your travel insurance claims is like deciding if it’s worth eating the last slice of pizza when you’re already full – it may cost a little extra, but it’s oh-so-satisfying.

Importance and cost considerations

• Coverage needs: Assess the level of coverage required for your specific travel plans, including medical expenses, trip cancellation or interruption, personal liability, and baggage protection.
• Comprehensive benefits: Evaluate the benefits offered by the insurance policy, such as emergency medical cover, 24-hour assistance helpline, and reimbursement for additional expenses due to travel delays or missed connections.
• Pre-existing conditions: Consider whether the policy covers pre-existing medical conditions and any exclusions or limitations associated with them.
• Deductibles and premiums: Compare the deductible amounts and premium costs among different policies to find the one that offers a balance between affordability and coverage.
• Policy exclusions: Review the policy’s list of exclusions to understand what incidents or scenarios may not be covered and if there are any specific conditions under which claims may be denied.

It is important to note that each traveler’s requirements may differ based on factors such as age, destination, activities planned, and personal circumstances. Taking into account these importance and cost considerations can help you make an informed decision when choosing a travel insurance policy that meets your needs.

To ensure you find suitable coverage at an optimal cost:

• Assess your individual needs and preferred level of protection.
• Obtain quotes from multiple insurers to compare prices.
• Consider bundling your travel insurance with other policies (such as home or car insurance) to potentially save on premiums.
• Opt for a higher deductible if you are comfortable covering larger out-of-pocket expenses in exchange for lower premium costs.
• Read the policy documents carefully before purchasing to fully understand the terms, conditions, and any optional extras offered.

By evaluating your specific requirements, comparing policies from various providers, and considering these suggestions, you can make a well-informed decision about your travel insurance coverage while balancing importance and cost considerations.

Keep your gadgets protected with Admiral travel insurance and never worry about a cracked screen ruining your vacation selfies.

Gadget cover

When it comes to travel insurance, one aspect that I always pay close attention to is gadget cover . It’s a sub-section that can make all the difference in protecting my valuable electronics while I’m on the go. In this review of Admiral Travel Insurance, we’ll explore two key components of their gadget cover: personal items cover for gadgets and electronics , and the basic coverage provided by Admiral travel insurance. Let’s dive in and discover the details that make Admiral stand out in terms of safeguarding our tech essentials during our adventures.

Personal items cover for gadgets and electronics

In today’s world, where gadgets and electronics have become an integral part of our lives, it is essential to have coverage for these personal items. Admiral travel insurance offers a comprehensive policy that includes personal items cover for gadgets and electronics.

Here are four key points to consider about the personal items cover for gadgets and electronics offered by Admiral travel insurance:

• Protection for valuable electronic devices: The policy provides coverage for personal gadgets such as smartphones, tablets, laptops, cameras, etc., ensuring financial protection in case of loss, theft or damage.
• Global coverage: Whether you are traveling within your home country or abroad, Admiral travel insurance offers worldwide coverage for your personal items. This ensures peace of mind no matter where you go.
• Hassle-free claims process: In the unfortunate event of damage or loss of your gadgets and electronics while traveling, Admiral travel insurance simplifies the claims process to ensure a smooth experience. Their dedicated team is available to assist you 24/7.
• Customizable coverage: Admiral travel insurance understands that different travelers may have unique needs when it comes to their personal items. Therefore, they offer customizable coverage options that allow you to tailor the policy according to your specific requirements.

Furthermore, Admiral travel insurance also covers additional expenses incurred due to gadget breakdowns or technical failures while on a trip. This feature sets them apart from other insurers in the industry.

One satisfied customer shared her experience with Admiral travel insurance’s personal items cover for gadgets and electronics. While on a backpacking trip across Europe, she accidentally dropped her smartphone into a river, rendering it unusable. Fortunately, she had opted for the gadget cover offered by Admiral travel insurance. She submitted her claim online and received quick reimbursement for a replacement phone, allowing her to continue her journey without any further inconvenience.

Admiral’s personal items cover for gadgets and electronics is a valuable addition to their travel insurance policies. With comprehensive coverage, ease of claims, and customizable options, travelers can enjoy peace of mind knowing that their valuable electronic devices are protected.

Basic coverage provided by Admiral travel insurance

Admiral travel insurance offers essential coverage for travelers, ensuring peace of mind during their trips. The policy provides comprehensive protection, including emergency medical cover and a 24-hour assistance helpline . Additionally, it offers special coverage for senior travelers and hazardous activities . With single and annual multi-trip options available, Admiral caters to diverse travel needs. Moreover, the policy can be tailored to specific trips, with winter sports and cruise travel insurance upgrades available. Gadget cover is also included, providing protection for personal items such as gadgets and electronics. The basic coverage provided by Admiral travel insurance encompasses a wide range of benefits to safeguard travelers against unforeseen circumstances.

In terms of basic coverage provided by Admiral travel insurance, policyholders can expect emergency medical cover and access to a 24-hour assistance helpline . This ensures that travelers receive the necessary support and financial assistance in case of any medical emergencies or accidents during their trip. Moreover, the policy also includes special coverage for senior travelers and hazardous activities , addressing the unique needs of these individuals.

Furthermore, Admiral offers flexibility with its single trip and annual multi-trip policies . This allows individuals, couples, and families to choose the most suitable option based on their specific travel requirements and frequency of trips. Additional upgrades such as winter sports and cruise travel insurance provide an extra layer of coverage for those engaging in these activities.

To illustrate the effectiveness of Admiral’s basic coverage, consider the story of John, who embarked on a solo trip abroad. Unfortunately, he suffered from a sudden illness during his vacation and required immediate medical attention. Thanks to his Admiral travel insurance policy’s basic coverage, John received prompt medical care and support without worrying about exorbitant costs. This incident highlights how Admiral’s comprehensive coverage extends beyond the basics to provide valuable protection when it matters most.

Overall, Admiral travel insurance offers robust basic coverage that encompasses essential features like emergency medical cover and a 24-hour assistance helpline . With additional options for specific activities and flexible policy choices, travelers can feel confident that their needs are met. Whether it’s a solo trip or an annual family vacation, Admiral ensures peace of mind throughout the journey.

Five Facts About Admiral Travel Insurance Review:

• ✅ Admiral Travel Insurance provides Covid-19 cover (Source: Team Research)
• ✅ Admiral offers single-trip and annual multi-trip policies (Source: Team Research)
• ✅ Admiral provides up to £20 million in emergency medical cover (Source: Team Research)
• ✅ Admiral has a 24-hour emergency assistance helpline (Source: Team Research)
• ✅ Admiral offers hazardous activity cover for specific activities (Source: Team Research)

FAQs about Admiral Travel Insurance Review

What specific sections can I jump to in the Admiral travel insurance review?

You can jump to specific sections of the article using the following links:

Does Admiral travel insurance cover Covid-19?

Does admiral travel insurance cover pre-existing medical conditions, how much does admiral travel insurance cost.

• Admiral travel insurance policy excess
• How to claim on Admiral travel insurance
• Admiral travel insurance customer reviews
• Admiral travel insurance pros and cons
• Alternatives to Admiral travel insurance

What is covered under Admiral travel insurance policies?

Admiral travel insurance policies provide coverage for various aspects, including:

• Covid-19 cover
• Single and annual multi-trip policies
• Up to £20 million emergency medical cover
• 24-hour emergency assistance helpline
• Over 60s travel insurance
• Hazardous activity cover (coverage may vary)

Yes, Admiral travel insurance provides Covid-19 cover. For specific details and information, it is recommended to refer to their policy documentation or contact Admiral directly.

Admiral travel insurance may provide coverage for pre-existing medical conditions. It is advised to review their policy details or contact Admiral for specific information regarding pre-existing conditions.

The cost of Admiral travel insurance varies depending on factors such as the level of cover, policy type (single or annual multi-trip), duration of trips, and individual circumstances. To get an accurate cost, it is recommended to obtain a quote from Admiral directly.

What are the pros and cons of Admiral travel insurance?

Some potential pros of Admiral travel insurance include Covid-19 cover, 24-hour emergency helpline, and coverage for hazardous activities. However, individual experiences may vary. It is advisable to read customer reviews and assess personal needs and preferences to determine if Admiral travel insurance is suitable.

Are there alternatives to Admiral travel insurance?

Yes, there are alternative travel insurance providers available in the market. Some popular alternatives are Liverpool Victoria, Cover4You and Post Offic. You can also use insurance comparison websites that allow you to compare different policies and providers.

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Where do you live

All persons to be insured must reside at a permanent address within the EEC ( Excluding Switzerland, Russia, Belarus, Montenegro and the Ukraine) to be eligible for cover.

Can I take out this insurance if I am already travelling?

When cover is purchased after an Insured Person has departed their home to commence their journey, there is a fixed period of 48 hours prior to cover commencing. Any illness arising during this initial 48 hour period will be an excluded Pre-existing Medical Condition. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being independently witnessed and also verified by a Medical Practitioner.

There is no 14 Day Cooling off Period and no premium refund will be made if the insured Person has already travelled.

family family 

Definition of a couple

A couple is defined as 2 adults who have been permanently living together at the same address for more than six months, who intend to travel together.

If you do not qualify as a couple, please select individual(s)

Annual Multi-Trip Durations

Annual Multi Trip policies are designed for multiple short holidays leaving from and returning to your home country.

Annual Multi Trip trip limits:

Standard policy - 30 days

Premier policy - 70 days

If you need continuous cover for a year (home visits allowed on policies over 4 months long) select Single Trip or One Way. You can travel around as much as you like, to as many different countries as you like, with a Single Trip or One Way policy.

One Way Trip

Please note a Single Trip policy can cover travels with no return ticket booked, a One Way policy is intended for:

Emigrating to new country where you intend to permanently live

Returning to your home country permanently

All cover ceases upon arrival at final destination

Select the type of policy most suitable for your needs.

Single Trip: A flexible policy with no limits on how many countries you visit or how long you’re away for. Suitable for all types of travel whether it be short term/long stay or backpacking. No return ticket required and unlimited home visits offered on policies over 4 months long.

One Way Trip: Means you are Emigrating to a new country where you intend to live permanently or, returning to your home country permanently. Cover will end upon arrival at your final destination. Please note: There is no cover for emergency return travel expenses if you do not have an original return ticket.

Annual Multi-Trip: This policy covers an unlimited number of trips throughout the 12 month Period of Insurance. Each trip has a maximum stay validity depending on the type of policy chosen. For example, for Standard Policies, the maximum duration of any trip shall not exceed 30 days and for Premier policies, the maximum duration of any trip must not exceed 70 days. 

If you are already travelling it is not possible to purchase the annual multi-trip policy.

Geographical Areas

Europe: Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary Islands, the Azores and Mediterranean Islands as well as all countries bordering the Mediterranean. Australia & New Zealand: a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide excluding North America & Mexico: (North America means the USA, Canada & Mexico.) a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide including North America & Mexico: Worldwide means anywhere in the World including the USA, Canada & Mexico.

Automatic Trip Extension   If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the Booking Invoice or Validation Certificate (as applicable) for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium. In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance of a period not exceeding twelve months from the date of the hijack. Please ensure you arrange cover for the entire duration of your travel

Where you normally reside

Where do you normally reside? Where do you normally reside? Please use the drop down box to choose your country of residence. Note we can only insure residents of the UK & EEA Countries. Can I take out this Insurance if I’m already abroad? If you are normally a resident of the UK or EEA Countries and your insurance has run out, you may take out cover online with us. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Note you cannot take out our Multi-Trip Insurance if you are already abroad. Do you have minimum residency requirements? No. If you are, for example, a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you have a UK residential address.

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Cover for 156+ Activities

Whether you'll be scuba diving, kite surfing, jet skiing, bungee jumping, solo skydiving, trekking above 2,500m or kayaking, our Activity Packs can cover various levels of adventurous sports.

Winter Sports

Big Cat’s Winter Sports Extension provides great-value cover for those wishing to make the most of the snow. As well as standard skiing and snowboarding, you’ll be covered for cat skiing, snow skiing, cross-country skiing, off-piste skiing / snowboarding, and snowmobiling.

Helicopter Rescue Included

We know that safety is paramount when partaking in Extreme Activities. So you can rest assured that if something happens and you need to be helicoptered away, we’ve got you covered.

Up to £10m Medical Cover

24 hour emergency helpline, cancellation & baggage cover, claim while abroad, extreme sports travel insurance.

For those wishing to push the limits of adventure, we can offer you our Extreme Activity Pack which provides cover for the following activities:

Canyoning, trekking over 4,600 metres, BMX cycling, paragliding, gliding, parapenting, hang gliding, parascending, hiking over 4,600 metres,  rock climbing, kite surfing and lots more. For a full list of activities covered please follow this link.

The Extreme Activity pack also includes cover for all activities included in the Activity Pack.

Key Features of Extreme Sports Travel Insurance:

• Cover for over 156 sports and activities.
• Emergency Medical and Repatriation Expenses up to £10 million.
• Emergency Dental Cover.
• Cover duration of up to 24 months.
• Baggage Cover
• Gadgets & Valuable Cover 
• One Way Travel.
• No return ticket requirement.
• Free Home visits.
• Policy Extensions whilst still travelling.
• 156+ Sports and Activities.
• Winter Sports Cover.
• Loss of Passport & Visa replacement costs.

Some FAQ's:

Our most popular policy for paragliding is our annual multi-trip policy with the extreme activity pack included. This allows for multiple trips throughout the year (capped at 30 days or 70 days per trip) and paragliding cover on each trip. Medical expenses, repatriation & helicopter rescue are all included. You can also choose a single trip policy, for a short-term policy with the extreme activity pack included, to cover a one-off trip.

Personal Accident cover isn’t quite what it sounds like. If you have an accident and fall over and break your wrist, that’s covered under normal Medical Expenses. Personal Accident is basically: Loss of sight, loss of limb or permanent disablement.

What the Policy says under Section B. Personal Accident:

In the event of the Insured Person sustaining bodily injury arising wholly and exclusively from violent accidental external and visible means which injury shall solely and independently of any other cause result in his/her death or disablement within twelve calendar months of the injury, the Insurer hereby agrees to pay up to the amount shown in the Table of Benefits applicable to the type of policy purchased and shown on the Validation Certificate.

Provided that:

• A) the death benefit payable is reduced to £1,000 if the Insured Person is under 16 years of age or 66 years of age or over at the time of death B) the total compensation in respect of any one Insured Person shall not exceed £10,000 for BUDGET Policies, £15,000 forSTANDARD Policies or £25,000 for PREMIER Policies.

Definitions

Loss of Limbs : loss or severance at or above the wrist or ankle or total permanent loss of use of an entire arm or leg.

Loss of Sight : total and irrecoverable loss of sight which shall be

considered as having occurred:

• a) in both eyes if your name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist.
• b) in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen Scale.

Permanent Total Disablement: A disability which has lasted for at least 12 months from which the Insurer believes the Insured Person will never recover and which prevents them from carrying out any gainful occupation for which they are reasonably qualified by way of training, education or experience.

Special Condition

If an Insured Person was already disabled before the bodily injury or already had a condition which is gradually getting worse, the Insurer may reduce their payment. Any reduced payment will be based on their medical assessment of the difference between:

• the disability after the bodily injury; and
• the extent to which the disability is affected by the disability or condition before the Accident.

To add any of our Activity Packs, just follow the Quote form - to stage 3 - there you will find all of the optional extras.

The Additional Mountain Rescue section of cover is a specific level of cover that takes effect when helicopter rescue is deemed necessary by the local Rescue Authorities due to a non-medical emergency such as natural disasters or adverse weather conditions.

This section of cover does not apply to Medically Necessary helicopter evacuations - these costs are covered under the Medical & Repatriation section of cover.

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388)   is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk  or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services.  All rights reserved.

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List of automatically covered medical conditions that do not need to be declared

Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration, Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment, Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs.

Important information

If you have a medical condition in addition to any of the automatically covered medical conditions, all conditions will be excluded from cover unless declared to the medical screening helpline.

What is classed as a medical condition?

a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/ specialist or prescribed medication).

b Any psychiatric or psychological condition (including anxiety, stress and depression) for which you have suffered which you have received medical advice or treatment or been prescribed medication for in the last five years.

c Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or for which you are prescribed medication.

Any premium for medical screening quoted can be paid directly. This can be done either before or after taking out a policy with us. The policy and medical extension connect automatically, no reference numbers need to be exchanged.

Choosing not to declare a medical condition will not invalidate cover, but any costs incurred in relation to an undeclared condition will not be covered.

If making a declaration all medical conditions must be declared, you can't choose to only declare certain conditions.

Medical conditions can only be declared for up to 12 months at a time. A second declaration will have to be made after 12 months if necessary.

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, hazardous activity travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Adventure travel insurance for extreme sports & hazardous activities

What is ‘adventure’ or ‘extreme sports’ travel insurance.

Normally travel insurance will cover you for any injury or illness that happens as a result of the activity. Some may also include cover for sports equipment, or public liability if you were to damage any people or property whilst taking part.

At InsureandGo we think travel insurance should be available to as many people as possible, even people who want to jump out of a plane, swim with sharks, or do all sorts of other extreme activities on their holidays. So, we offer specific hazardous activities cover as a policy add-on for those wanting a little bit more than our standard insurance, which by the way already  covers over 100 amazing sports and activities !

What sports or activities are included?

All of our travel insurance policies include automatic cover for over 100 sports and activities, so you might find you’re covered already with us. But if not, check below for some of the other, more extreme activities we cover:

Take a look in our  policy documents  for a full list of the hazardous activities we cover from A to Z, along with their related medical excesses. If you still can’t find what you’re looking for – just  contact us  to find out if we can help you!

What else are you covered for with adventure travel insurance?

In addition to providing  travel insurance for over 100 activities , including a fabulous selection of  watersports cover , all our travel insurance policies include a range of benefits, such as:

• Holiday cancellation cover
• Belongings and baggage cover
• Medical and hospital expenses cover
• Passport, money and documents cover
• Delayed departure cover
• Accommodation cover

Choose the right travel insurance policy for you;  get a quote online  or  get in touch  with us for more information.

Which policies can I add adventure travel insurance to?

Any of them! The add on can be added whatever your destination – whether you’re staying in the UK, need European cover, or even Australia travel insurance.

The cover can also be added to annual multi-trip travel insurance !

*Discount excludes any premium generated to cover medical conditions or optional extras & is automatically applied. This offer cannot be used in conjunction with any other offer. Discount tiers of 5% for premiums between £0-49, 10% for £50-249, & 20% for £250+ apply. Offer ends at 23:59 on 30/09/24. T&Cs apply.

• Unlimited emergency medical expenses available on Black level policies.
• InsureandGo’s Gold achieved a Which? Best Buy.

• Help and Support
• Travel Insurance
• Travel Insurance FAQs

Search our Travel Insurance FAQs

View trending questions, is coronavirus covered by my travel insurance.

To find out how Covid-19 affects your travel insurance, take a look at our dedicated FAQ page . 

Can I get cover in the event of scheduled airline failure?

We will not pay any claim due to the actions or failure of any company providing or organising your transport or accommodation, to provide those services (whether caused by error, insolvency, bankruptcy, liquidation, omission, default or other reason).

Will my holiday insurance cover me if the travel agent/tour operator/airline company goes into administration?

No it doesn't cover this. If the company is an ABTA member, you can submit a claim to them for the cost of your holiday.

Am I covered if my flights are disrupted because of Brexit?

You’ll be covered if there’s any disruption to your flights (in line with current cover and exclusions) if you already have travel cover or have booked a trip on your annual policy.

If there’s an official warning from the Government or airlines that suggests flights are likely to be disrupted, customers buying new policies may not be covered.

I’m unable to travel or need to return home early due to travel restrictions such as lockdowns or to avoid quarantine rules imposed by the UK government or the country I’m visiting. Am I covered for cancelling or cutting short my trip?

There’s no cover for costs incurred for cancelling or cutting short your trip because of general travel restrictions, quarantine rules imposed upon arrival or return in any country or the financial impact of needing to quarantine such as loss of earnings.

View all our FAQs

Is it illegal to travel without holiday insurance.

No, it's not a legal requirement but it gives you cover against things like cancelled holidays, missed transports, missing luggage and injury while abroad.

Does travel insurance cover natural disasters?

Cover for catastrophes including fire, storm, lightning, avalanche, landslide, explosion, hurricane, earthquake, volcanic activity including ash cloud, flood, tidal wave, tsunami, medical epidemic or pandemic are all included as standard on our Gold and Platinum policies. This cover is not included in our Admiral level policy. 

My partner and I live at separate addresses, can we still buy a couple policy?

You have to buy a group policy if you don't live at the same address as your partner.

Our definitions are:

• Individual policy – one adult aged 18 or over.
• Couple policy - two adults aged 18 or over who live at the same address and are in a relationship.
• Family policy – two adults aged 18 or over who live at the same address plus at least one child (maximum 5).
• Family one adult policy – one adult plus at least one child (maximum 5).
• Group policy - between two and ten individuals, who don't need to live at the same address. Each adult is covered to travel individually as well as together.

What is your definition of Europe?

When we refer to Europe , we are referring to the following countries and territories: Albania, Andorra, Austria, Belarus, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark (including Faroe Islands, excluding Greenland), Egypt, Estonia, Finland (including Aland), France (including Corsica), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including Sardinia and Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway (including Svalbard), Poland, Portugal (including Azores and Madeira), Republic of Ireland, Romania, Russia (West of Urals), San Marino, Serbia, Slovakia, Slovenia, Spain (including the Balearic and Canary Islands), Sweden, Switzerland, Tunisia, Turkey, Ukraine, The United Kingdom (including Channel Islands and Isle of Man), Vatican City.

Am I covered for private medical treatment?

No, you will need to have any private treatment pre-authorised by the Emergency Assistance Service. If you are travelling in Europe , Australia or New Zealand you can access public health services, free of charge and you won’t be required to pay any excesses on the Medical Expenses section of your policy.

What happens if I'm the victim of a terrorist attack while I'm abroad?

First of all, we hope that this is never the case. But, if you do need emergency assistance, please call +44 (0)29 2010 7777 at any time and we'll do everything we can to help.

Are there any destinations I can't travel to under my policy?

Yes, no matter which destination you select when you buy your policy, you aren't covered if you travel somewhere the Foreign, Commonwealth and Development Office (FCDO) advises not to go to. For more information see the FCDO's foreign travel advice page or call  020 7008 1500 .

What cover is there for dental treatment?

With new policies, you’re covered for up to £400 for “emergency dental treatment for the immediate relief of pain to your natural teeth incurred outside of your home area” under the Emergency Medical and Repatriation section of your cover (subject to your excess).

Can I upgrade my travel policy cover level after I’ve taken it out?

No, sorry. Currently, this isn’t possible.

Is terrorism covered?

Terrorism is excluded from all sections of the policy except for the Emergency Medical and Repatriation, Personal Belongings, Personal Accident and Hijack sections (where cover is provided as part of the platinum tier only).

Terrorism is any act or threat of action by a person or group intended to influence a government or to frighten the public or any section of it.

Acts of terrorism can include:

• violence against a person
• damage to property
• putting life in danger
• creating a health risk to the public
• interfering with or seriously disrupting computer systems or transport services including cyber terrorism
• biological, chemical or nuclear force or contamination

Do I need to declare existing medical conditions to get Admiral cover?

Declaring your medical conditions will ensure you are purchasing a policy which meets your needs. It’s important you supply accurate and complete answers to all questions as failure to do so could mean your policy is invalid and/or your claim is not paid in full or refused.

I have an Annual Multi-Trip policy. What is the longest I can go on holiday for?

You can take as many trips as you want within 365 days (as per the dates shown on your policy schedule), providing each trip lasts no more than 31 days. If you need cover for trips longer than 31 days, let us know when you get a quote (subject to eligibility).

Take a look at our Annual Travel Insurance page to learn more.

Do you cover children under 18?

Cover can’t be bought for a child under the age of 18 alone. A child under 18 can be added to our family policies where at least one adult over the age of 18 is also going on the trip (single trip policies).

A child can be added to annual multi trip family policies where the insured adult will travel later in the policy term. Each insured child under the age of 18 will only be covered if they’re travelling with a responsible adult. This adult doesn’t need to be insured with us.

What happens if I can't return from my trip on my planned date because of illness or injury; am I still covered?

Yes, we extend your policy and continue to provide cover in those circumstances where the delay is completely outside of your control.

I don't live in the UK – can I get travel cover?

Unfortunately not. It's only available to permanent residents of the UK (England, Northern Ireland, Scotland, Wales and the Isle of Man).

What happens if strike/industrial action disrupts my trip?

Provided you weren’t aware of the strike/industrial action at the time you booked your policy, and it wasn’t public knowledge, we’ll pay up to the limits shown in your policy schedule for irrecoverable costs you've paid.

What happens if my baggage is delayed, lost or stolen?

If your baggage is delayed or lost in transit, you should tell the company transporting your baggage within 24 hours of discovery. Ask them to complete a Property Irregularity Report or give you with a baggage loss receipt. If your baggage is delayed for more than 12 hours from when you arrive at your destination, your policy provides cover to buy necessary items (up to £50, £100 or £150 depending on your tier of cover).

If your baggage is stolen, you should report this to the local police within 24 hours of discovering the theft and get a written report. You can claim (up to £1,000, £2,000 or £2,500 depending on your tier) for stolen or lost items. There's a single item limit and total valuables limit (up to £200, £300 or £400 depending on your tier).

Are there any charges to change my policy?

No, we don’t charge any admin fees.

What should I do if I or someone travelling with me becomes ill during my holiday?

If you or someone covered by your policy becomes ill or is injured during your trip and needs emergency medical treatment, please go to a public medical facility and contact our 24 hour emergency assistance line on +44 (0)29 2010 7777 as soon as you can.

Please call this number if you're unsure where to get treatment, you think costs may go over £500, or you think you'll need to cut your trip short.

For minor ailments while abroad, pharmacies and public health facilities are often able to give advice and provide treatment. If costs are more than the policy excess and you want to make a claim, please keep all receipts and call our claims line on  0333 234 9914 .

Does my policy allow someone to travel out to be with me if I am ill abroad?

Yes. If you've been given medical advice that someone should stay with you and that requires someone travelling from the UK to be with you, we'll cover the reasonable extra transport and accommodation costs (up to the policy limit) for that person.

How long can I travel for?

The maximum length of a Single Trip policy is 12 months, making it ideal for backpackers and students taking a gap year.

If you choose an Annual Multi-Trip policy you can take as many trips as you want within 365 days (as per the dates shown on your policy schedule), providing each trip lasts no more than 31 days. If you need cover for trips longer than 31 days, let us know when you get a quote (subject to eligibility).

How to extend travel insurance due to illness or injury

If you have to extend your trip for medical reasons our policies will automatically provide cover until you return home.

If you have a single trip policy and need to change your travel dates, you must contact us before you go on your trip.

If you have annual multi-trip cover, the maximum length per trip on the policy is 31 days as standard unless we've agreed to cover you for a longer trip and this is stated in your policy schedule.

If your annual policy is due to end while you're on holiday and your policy is not set up to automatically renew, please contact us before you travel so we can arrange for your policy to continue while you're away.

What should I do if my travel is disrupted by severe weather?

We’ll pay £25 for each 12 hours you are delayed (up to a maximum of £250 or £300 depending on your cover tier) from starting your journey due to severe weather.

If your transport is delayed for more than 24 hours or cancelled and cannot be rearranged for over 24 hours, cover is provided (for costs up to £1,000 on Admiral, £3,000 on Admiral Gold and £5,000 on Admiral Platinum) if you decide to cancel or abandon your trip.

Additional transport and accommodation cover

We can reimburse you for additional transport and accommodation costs if you decide to continue with your trip after:

• your prebooked transport was delayed for more than 24 hours
• your transport was cancelled, and no alternative could be found within 24 hours of your original departure time

We can only reimburse you these costs if they are less than the cost of abandoning the trip. 

We won't make any payments if they aren’t additional to costs you were already expecting to pay - for example if you get a refund and the cost of alternative transport or accommodation is less than the refund. Check your policy book for full details.

Do you cover my car if it breaks down when I'm driving in Europe?

No, your holiday insurance doesn't cover car breakdown. However, if you have Admiral Car Insurance , you can extend this to provide European Breakdown Cover . This covers you and your car in case it breaks down while abroad in Europe.

What does excess mean in travel insurance?

The policy excess is the amount you must pay towards any claim. The excess applies to each insured person and each event that leads to a claim. Multiple excesses may apply for claims under each section.

Can I get one-way travel insurance?

No, Admiral doesn't offer one way travel insurance. To buy our cover, you'll need to be travelling from and returning to the UK.

Do you cover travellers over the age of 70 for Annual Multi-Trip policies?

Yes, we can provide worldwide cover for customers up to the age of 75 years for annual multi trip policies – and up to 85 years for single trip policies.

However, the age limit and level of cover we can offer will depend on your personal information and details of your holiday.

Please get a quote or contact us to find out more.

Will I need a visa to travel to the EU after Brexit?

In the future, it's possible UK citizens will need a travel permit as part of the European Travel Information and Authorisation Scheme (ETIAS). 

If you can’t go on your trip because you don’t have the correct visa or permit, you won’t be able to claim on your cover.

How long will I need on my passport after Brexit?

The Government recommends UK travellers have at least six months left on their passports from the date they arrive in an EU country when travelling after 29 March 2019. Check the validity of your passport online with this handy tool .

If you can’t go on your trip as you don’t have enough time left on your passport (or you didn’t renew it in time), you won’t be able to make a claim.

Can I still use my EHIC card after Brexit?

If your EHIC is still in date, you can use it when you travel. Otherwise you’ll need to apply for the new Global Health Insurance Card ( GHIC ).

If you have a medical emergency while you're abroad, you're injured, fall ill, or have to cut your trip short please call our 24-hour Medical Travel Assistance Helpline on +44 (0)292 010 7777.

What is single trip travel insurance?

If you’re not a frequent traveller and will take one holiday a year, this type of cover might be better for you than an annual policy which covers numerous trips over the year.  Both give protection against things like cancelled trips, lost luggage and a host of sporting activities

When should my single trip travel insurance start?

Your cover begins on the day you selected for it to start and finish (your holiday dates), but your cancellation period starts from the date you bought the cover. 

Does travel insurance cover alcohol-related accidents?

Accidents and illnesses caused by drinking too much alcohol aren’t covered by your policy. 

Does travel insurance cover repatriation?

Yes, Admiral’s holiday insurance covers emergency medical treatment and repatriation as standard. Our emergency assistance service may arrange for your repatriation to your home area if our medical adviser or the doctor treating you thinks it’s safe. The amount covered depends on the tier you choose: 

• Admiral: up to £10m
• Gold: up to £15m
• Platinum: up to £20m  

What does single trip travel insurance mean?

Single trip travel insurance covers you for one trip only, lasting up to 365 days. You must set off from and return to the UK.  

This is different to an annual travel insurance policy, which covers all the trips (up to 31 days at a time) you take in 12 months.

Does annual travel insurance cover UK holidays?

Your Admiral policy will cover trips to: 

• Northern Ireland
• The Isle of Man
• Channel Islands

You must be travelling more than 25 miles away from your home address and staying for two or more consecutive nights to get the cover.    

Can the adults on an annual multi trip policy travel separately?

Yes. This policy covers each insured adult, whether travelling on your own or together.

Should I get travel insurance for Dominican Republic?

It’s not a legal requirement to have cover, but it’s sensible so you aren’t left footing the bill yourself should something happen. For example, the average cost of treating a broken leg (including repatriation) in Dominican Republic is a hefty £25,000. Take a look at our Getting Ill Abroad page for more information on the true costs of medical treatment across the world .

Do I need travel insurance for Cuba?

Yes, you do – travel insurance is mandatory when travelling to Cuba. You may be asked to show proof of travel insurance when you arrive and you’ll need to make sure you’re covered for your whole trip.

Do I need travel insurance for Morocco?

You don’t have to have cover to take a trip to Morocco, but it’s worth having so as not to be left out of pocket should the worst happen.

What does Mexico come under for travel insurance?

If you’re travelling to Mexico, you'll need to select the Worldwide level of cover. 

Do I need travel insurance for Australia?

Having cover when you travel isn't a legal obligation, but consider if you could pay the medical bill if something happened. In Australia, getting you home with a broken leg can cost £12,000 . See our Getting Ill Abroad map for more information on medical costs for common illnesses in holiday destinations .

Does worldwide insurance cover Europe?

If you're travelling to Europe it may be cheaper to get a European travel policy rather than worldwide cover. Check out our European Travel Insurance page to find out more 

Do you provide worldwide travel insurance for over 65s?

Does travel insurance cover assault.

If you need medical treatment after an assault, Admiral Travel Insurance will cover you, unless you’ve put yourself in needless danger (other than to save someone’s life).

Travel insurance is designed to cover you against the unexpected. If you’ve picked a fight with someone and ended up injured because of it, your claim may not be successful as you put yourself at risk.

Is pregnancy a pre-existing condition for travel insurance?

Pregnancy isn’t considered a pre-existing medical condition , so there’s no need to tell us before you travel.

However, make sure you tell us about any medical conditions you have because of your pregnancy, such as gestational diabetes or high blood pressure. If you don’t, you might not be covered should you need medical assistance.

We’ll only cover complications of pregnancy and childbirth abroad (as described in the ‘Definitions’ section of our policy wording) so you aren't covered for routine medical care such as check-ups, pre-natal care, normal childbirth and post-natal care. There’s also no cover if the carrier denies you boarding.

Can I travel anywhere in Europe?

You won’t be covered if you travel to a country which the Foreign, Commonwealth and Development Office (FCDO) has advised ‘against all travel’ or ‘against all but essential travel’. 

Can I buy travel insurance to Europe from the UK?

Yes - you must buy travel insurance while you're still in the UK; you can’t take out Admiral cover one you’ve gone through Customs. 

Will my travel insurance cover skiing or snowboarding in Europe?

If you’re planning a ski or snowboarding trip to any of Europe’s spectacular mountain resorts, you’ll need to add our Winter Sports upgrade onto your policy to be covered for the trip. Without it, your policy won’t be valid.

Is my European cruise covered by my travel insurance?

To be covered for a cruise trip, you must add our cruise cover upgrade . Without it your policy won't be valid.

What should I do if I have a medical emergency, or if I have to cut my trip short?

In case of a serious medical emergency during your trip, please call our 24-hour Medical Travel Assistance Helpline on +44 (0)292 010 7777 before going into hospital or incurring medical expenses over £500, so we can help you.

For non-medical emergency claims:

• For policies renewed before 5 May 2020, call our claims team on 01243 218 437. Our lines are open Monday to Friday 8:00-20:00 and Saturday 9:00-16:00
• For policies bought or renewed after 5 May 2020, call our claims team on 0333 234 9914. Our lines are open Monday to Friday only 9:00-17:00

Is Turkey in Europe?

While Turkey straddles eastern Europe and Asia, Admiral Travel Insurance classes Turkey as Europe, so our European cover on single-trip or annual cover is what you need.

Is Iceland in Europe?

When buying Admiral Travel Insurance, Iceland is classed as Europe. The island is located between north America and mainland Europe.  Interestingly, Reykjavik is both the northern-most and western-most capital city in Europe.  

Is Cyprus in Europe?

For travel insurance purposes, Cyprus is classed as in Europe by Admiral Travel Insurance. If you’re travelling to Cyprus, it’s important to be aware of the north/south divide in the country.

The north is run by Turkey and accepts the Turkish lira for currency. Whereas the south is mainly inhabited by Greek Cypriots and accepts the Euro.

Does the GHIC/EHIC cover Cyprus?

Neither the GHIC nor the EHIC are valid in the Republic of Cyprus (northern Cyprus) but they're accepted in the south. If you’re travelling to Cyprus it’s important to have insurance in place should you need medical attention.

Is Russia in Europe or Asia?

Russia, west of the Urals, is covered by Admiral’s European travel insurance. The Ural Mountains approximately run from north to south in western Russia and forms part of the conventional boundary between the European and Asian continents.

You’ll need a visa to travel to Russia and it’s best to apply in plenty of time. For more information visit the Russian Embassy’s website .

I don’t want to travel because of Brexit – can I cancel my trip?

If you decide you don’t want to travel because of Brexit and end up cancelling your trip, you won’t be able to claim. Not wanting to travel isn’t a valid cancellation reason for claiming.

Do I need travel insurance for working holiday in Australia?

It’s always best to have insurance when you go away, but you need to make sure you’re covered to work too. We cover you if you’re working in an office or waiting tables, but any paid or unpaid manual work isn’t covered .

Do you need any vaccinations to go to Australia?

If your routine vaccinations are up to date, you’ll need no extra jabs to visit Australia.

For more information on where, when and how to get vaccines, take a look at our guide to travel vaccinations .

Will my Australian travel insurance include cruise cover?

If you need cruise cover, you’ll need to add it to your policy as an upgrade. Find out more about our Cruise Travel Insurance upgrade.

Can I get travel insurance for Australia with a pre-existing condition?

If you have pre-existing conditions, you can still travel to Australia – you just need to declare them when you’re buying your travel insurance. Find out more about travelling with medical conditions .

Do I need a visa for China?

Yes you do, and you’ll need to apply in person at a Visa Application Centre. Find out more on the FCDO website. Your passport will need to be valid for at least six months when you enter China.

Do I need vaccinations for China?

There are no specific vaccination requirements for China but your doctor may recommend the following:

• Hepatitis A
• Hepatitis B
• Tick-borne Encephalitis

Cholera and Japanese Encephalitis are recommended for the highest risk people.

You should make sure your usual recommended vaccinations and boosters for life in Britain are up to date.

Do I need travel insurance for China?

It’s not a legal requirement, but think about what you’d do should the worst happen when you’re in China. Having travel insurance is a good idea to make sure you don’t end up out of pocket, particularly if you need medical treatment.

Is China safe to travel alone?

China is a relatively safe country to travel around by yourself. But all travellers should keep an eye on their money and valuables – don’t fall victim to pickpockets or scammers.

Other than that, the most challenging thing is likely to be the language barrier.

Is China safe for tourists?

The FCDO advice states that China isn’t an unsafe country, but scammers do tend to operate in tourist areas. You may be invited to a bar for a massage or tea tasting, only to be told you need to pay a huge fee and possibly even threatened.

You should also check the QR sticker on bikes before renting them, as there have been instances in the past when the correct sticker has been replaced with a fake one, with the money going into an incorrect account.

Does travel insurance cover pickpocketing?

Your travel insurance covers theft of your personal belongings, money or documents, but you must report the theft to the police or your travel operator within 24 hours of discovering it. You’ll need to get a written police report (or a Property Irregularity Report from your transport operator if the theft happened when they had your things).

Is it safe to travel to Egypt?

Since January 2011, there has been significant political turmoil in Egypt with violent protests and terrorist attacks. Before booking a trip there, be sure to the check the latest FCDO travel advice . Some areas of Egypt are listed under the 'advise against all travel' category – if you travel to one of these places your travel insurance will not be valid.

Do you need a visa for Egypt?

Yes, British passport holders need a visa before entering Egypt. You can buy one online before you go from Visa2Egypt , which will be valid for three months, or at the airport on arrival, which will be valid for 30 days. They cost US$25.

Is Egypt classed as Europe for travel insurance?

Egypt is classed as part of Europe for Admiral Travel Insurance, so you’ll be covered with our  European Travel Insurance .

Do you need injections for Egypt?

There aren’t any specific vaccinations for travel in Egypt if your routine vaccinations as recommended in the UK are up to date.

Do I need vaccinations for Turkey?

The NHS Fit For Travel website recommends checking your primary courses and boosters are up-to-date, including a tetanus. You could also consider vaccinations against Hepatitis A, Hepatitis B, and rabies for your trip to Turkey. For more information, read our guide to travel vaccinations .

Is the GHIC/EHIC valid in Turkey?

No, the GHIC and EHIC don’t work in Turkey so you’ll need travel insurance in place or enough money to cover the cost of any medical treatment you receive.

Can you travel to Turkey with three months left on your passport?

The Turkish government advises you should have at least six months validity on your passport when you travel to Turkey. You should also have a full blank page for the entry and exit stamps.

Does travel insurance cover me for travel to Turkey with a pre-existing condition?

You can travel to Turkey with pre-existing conditions if you declare them when you’re buying your travel insurance. Find out more about travelling with medical conditions .

Do I need a visa for Canada?

British citizens don’t usually need a visa for short term travel in Canada, but you may need one if you’re staying for a longer period for study or work. Find out if you need a visa by checking the Canadian High Commission website.

If you’re flying into Canada, you’ll need an electronic travel authorisation (eTA), and you won’t be allowed on your flight without one. Find out more about the eTA and apply online by visiting the official Canadian government website .

Do I need travel insurance for Canada?

It’s not compulsory to have travel insurance when travelling in Canada, but it’s definitely worth having. Could you afford to pay for medical treatment or replace lost luggage out of your own pocket if the worst were to happen?

How much time do I need on my passport to visit Canada?

As long as you have enough time to cover the duration of your stay, you’ll be fine. You don’t need any additional time on your passport when travelling in Canada.

Does my travel insurance cover me to drive in Canada with a UK licence?

You can drive a car in Canada if you have a full UK licence, but you should always carry your licence with you. Some car hire companies require you to have an International Driving Permit, so check with your car hire company before you travel. You should also take out full insurance to make sure you’re covered, as your travel insurance won’t cover you.

What are the requirements to enter Canada?

British citizens don’t usually need a visa for short visits to Canada – you’ll need an Electronic Travel Authorisation (eTA), which you must apply for before you travel. To find about more about the eTA and apply online, visit the  official Canadian government website .

Do I need any vaccinations for travel to Canada from the UK?

If your routine vaccinations as recommended in the UK are up to date, you don’t currently need any other vaccinations when travelling to Canada – although you should check if you need a rabies booster.

Is travel insurance mandatory for Canada?

You don’t have to have travel insurance for Canada but it’s a good idea to make sure you’re covered if you fall ill or have an accident when travelling there. Medical care in Canada can be expensive, and the average cost of medical procedures is £14,615 – find out more in the cost of getting ill abroad .

Can I travel to Canada if I have a pre-existing condition?

You can travel to Canada if you have a pre-existing condition as long as you declare it when you’re buying your cover. Read more about travelling with medical conditions .

Do you need special travel insurance when pregnant?

Admiral single trip and annual travel insurances cover pregnancy and you won’t pay more for your cover as it’s not considered a pre-existing medical condition. You’ll get the standard cover for things like:

• Lost luggage
• Travel disruption
• Lost or stolen belongings

But we’ll also cover the costs of any emergency medical treatment you receive as the result of complications during your pregnancy.

Does travel insurance cover medical expenses?

You’ll be covered up to the limits shown on your policy for any reasonable, necessary costs relating to emergency medical, surgical and hospital treatment. This doesn’t include treatment in a private facility, or anything carried out in your home country after returning home.

Can you get travel insurance with COPD?

COPD is a pre-existing condition and must be declared when buying your insurance.

Can you get travel insurance with cancer?

Cancer is one of the pre-existing conditions you need to declare when buying your insurance.

Can you get travel insurance with HIV?

HIV is one of the pre-existing conditions you need to declare when buying your insurance.

Can you get travel insurance with epilepsy?

Epilepsy is one of the pre-existing conditions you need to declare when buying your insurance.

Does having a pacemaker affect travel insurance?

If you have a pacemaker, it’ll need to be declared to us when you take out the policy (or when you have it fitted if this is done after you’ve taken out the policy). You can still get travel insurance with a pacemaker.

Why do I have to provide my medical details to get a quotation?

Declaring your medical details will ensure you are buying a policy which meets your needs. It’s important you supply accurate and complete answers to all questions as failure to do so could mean your policy is invalid and/or your claim is not paid in full or refused.

Can I take out insurance if I am currently being diagnosed, under referral, awaiting an operation or haven’t been discharged from outpatient care?

Unfortunately Admiral is not able to offer cover in these circumstances, but there are other specialist insurers who may offer cover for travellers in the above circumstances.

What happens if I need replacement prescription medication when I'm abroad?

Please make sure you take enough medication to last your entire trip and include extra to allow for travel delays that may occur.

If you run out of prescription medication because you were unable to return home as planned because of illness or injury, we will pay for the cost of additional medication (a policy excess may apply).

If your medication is lost or stolen, we'll refund you the cost of replacing it (a policy excess may apply).

Do I need cruise insurance for a river cruise?

Our Cruise Travel Insurance covers you if you’re taking a sea cruise, but it’s not needed if you’re going on a river cruise. If you’re going on a river cruise, your standard travel insurance will cover you.

Are there any age restrictions for getting the cruise cover upgrade?

No, you can get this add-on at any age.

Can I get cruise cover for any part of the world?

Our travel insurance and upgrades cover pretty much everywhere in the world except for countries the Foreign & Commonwealth Office advises against 'all travel' or 'all but essential travel'. You can see the full list on the Foreign & Commonwealth Office  website

I'm an expat, can I get the cruise cover upgrade?

No, in order to buy Admiral Travel Insurance and its upgrades you must be a permanent resident of the UK, travelling from and returning to the UK.

Am I insured if I take part in excursions and water sports during my cruise?

Your Admiral Travel Insurance policy covers you for a wide range of sports and activities including jet skiing, parasailing, windsurfing and snorkelling. For the full list of activities we cover please see your policy booklet.

Can I get cruise travel insurance with a pre-existing condition?

You can get our Cruise Travel Insurance if you have pre-existing conditions, but you need to make sure you declare them all when you’re buying your travel insurance. Read more about travelling with medical conditions .

When should I buy travel insurance for a cruise?

It’s a good idea to buy your Cruise Travel Insurance as soon as you book your cruise. That way, if you have to cancel your cruise before you’re due to travel, you’ll be able to claim your costs back.

Do you need winter sports insurance for trips to Lapland?

If you plan on taking part in any of the activities listed above, such as husky sledge driving, you will need to add the upgrade onto your Admiral Travel Insurance policy

Are there any age restrictions for ski insurance?

We don’t offer the upgrade to anyone over 75 years old for trips within Europe and over 70 years old for trips outside of Europe.

Am I covered to ski or board off-piste?

You can go off-piste provided you go with a qualified guide or instructor and remain on recognised paths, within resort boundaries

Does winter sports cover me anywhere in the world?

Admiral Travel Insurance covers the UK, Europe and Worldwide - but there are places that we don't cover.

Your travel insurance won't cover you if you visit somewhere the Foreign, Commonwealth and Development Office (FCDO) advises not to. Information from the FCDO can be found at www.gov.uk/foreign-travel-advice or by calling 020 7008 1500 .

What's covered if the piste closes?

We'll pay up to £20 per 24 hours for each day the pistes and ski lifts are closed in your resort due to lack of snow or bad weather (up to a maximum of £200). This can be used to cover travel expenses to the next open resort or to compensate you if there are no slopes nearby.

Are all winter sports covered?

Our Winter Sports Upgrade covers the following activities: cross country skiing, dry slope skiing and snowboarding, glacier walking/trekking, husky sledge driving, ice hockey, mono-skiing, snowmobiles, sledging, snowshoeing and tobogganing. If you want to take part in an activity not on the list please call us on 0333 234 9913 to discuss.

Am I covered if I’m injured on the slopes and not wearing a helmet?

You won't be covered for any head injuries that happen on your winter sports holiday if you weren't wearing a helmet. We always recommend wearing a helmet for winter sports.

Are lift passes covered?

Unused lift passes due to illness or injury are covered but you can't claim for lost or stolen lift passes

Is mountain and helicopter rescue included?

Yes, our add-on covers mountain and helicopter rescue in the event of injury or illness; search and rescue isn't covered.

Do under 18s need ski insurance?

Yes they do, you can add a child onto a parent or guardian's cover. Take a look at our Family Travel Insurance page for more information.

Can seasonaires buy the winter sports upgrade?

While there's no restriction on seasonaires buying our cover, the add-on's limited to 21 days in total so we couldn't cover a seasonaire for the entire season.

Can you get winter sports insurance for over 70s?

Our winter sports insurance covers people up to and including the age of 75 if you’re travelling in Europe.

We don’t cover anyone over the age of 70 for winter sports if you’re travelling outside Europe.

What does winter sports travel insurance cover?

Our winter sports travel insurance upgrade covers:

• Lost, stolen or damaged ski equipment
• Piste closure
• Delay caused by avalanche
• Replacement equipment hire

You’ll also get all the benefits of the standard travel insurance you bought – our winter sports upgrade gives you extra cover for when you’re skiing or snowboarding.

Can I take out a family winter sports insurance policy?

Absolutely – we offer family holiday insurance for families living at the same address. This can be parents, step-parents, grandparents, aunts, uncles, cousins and children under 18.

You can add up to two adults and a maximum of five children to the cover. Simply add on our winter sports upgrade for cover on the slopes.

Do I need travel insurance for skiing in Bulgaria?

Yes you’ll need to add our winter sports upgrade onto our European Travel Insurance for any skiing holidays in Bulgaria.

Can I cancel my trip because I'm worried about Coronavirus?

You can cancel, but you won’t be able to make a claim through your travel insurance. Travel insurance won’t cover customers for "disinclination to travel" i.e. not wanting to travel.

My travel is essential – am I covered?

There is no cover under any section of our policy if you travel to a country or area where the Foreign, Commonwealth and Development Office (FCDO) advises against ‘all travel’ or ‘all but essential travel’. If you’re not sure if there’s advice against travel for your destination, please check the  FCDO website .

Coronavirus & Travel Insurance guidance

The World Health Organisation (WHO) declared Coronavirus a 'pandemic' as of 11 March 2020.

Here are some useful external links for guidance on your entitlement in the Coronavirus situation.

• To review your rights for trip cancellations and refunds visit  ABTA
• Customers planning to travel should refer to the Foreign, Commonwealth and Development Office (FCDO) Coronavirus travel advice page  and sign-up to e-mail alerts
• UK citizens overseas can review travel advice for the country they're visiting to help plan accordingly
• Civil Aviation Authority  gives information for customers, holidaymakers and the industry on Coronavirus

Before submitting a claim, please refer to the relevant section of the FAQs for information about what's covered under your policy and consider the steps outlined in 'How can I make a claim?' below.

Am I covered if the country I'm due to travel to refuses me entry or imposes travel entry requirements?

There’s no cover for cancelling or cutting short your trip if you’re refused entry to your destination or because you don’t meet the country's entry requirements including any health requirements. Please refer to your policy terms and conditions. 

You should speak to your travel provider as they may be able to help you, and you should continue to monitor the  FCDO advice .

The airline/tour operator I booked with have gone into administration – what should I do?

Unfortunately, we won't cover claims due to the actions or failure of any company providing or organising your transport or accommodation, to provide those services (whether caused by error, insolvency, bankruptcy, liquidation, omission, default or other reason).

If you have not yet travelled and you had flights arranged as part of a package holiday you'll have ATOL protection, meaning you'll either be reimbursed or the company you booked with will find alternative flights.

If you paid for a service directly with your debit or credit card, and the retailer has not provided that service, you may be eligible to make a claim for a refund through your credit card provider under Section 75 of the consumer Credit Act or through a chargeback scheme for debit cards.

Section 75 applies to payments between £100 and £30,000. The benefits of claiming from the card provider are that you’ll be able to claim the full costs of your booking, for all people in the booking, and won’t have to pay an excess or be restricted by cover limits.  

The terms of your policy cover you for irrecoverable losses, so before we can consider a claim you'll need to contact the card provider (if eligible), to request a refund.

If you're already abroad, you should either contact your tour operator, if the flights were booked as part of a package, or you'll need to arrange a new flight to return home and pay for the new ticket. You should then seek a refund for the cost of the original flight, using one of the above methods.

ABTA has more information.

I've booked an event, excursion and/or a tour but they've been cancelled by the provider due to the Coronavirus. I won't be able to do all the things I intended, so the holiday isn’t what I originally booked. Can I claim?

You may find that some of your planned excursions or tours have been cancelled. As these have been cancelled by the provider, you should seek a refund from them directly.

If the reason you’re travelling is for an event that’s since been cancelled, you won’t be able to make a claim for cancelling your whole trip for this reason. 

If you paid for a service directly with your debit or credit card, and the retailer hasn't provided that service, you may be eligible to make a claim for a refund through your credit card provider under Section 75 of the consumer Credit Act or through a chargeback scheme for debit cards.

Section 75 applies to payments between £100 and £30,000. The benefits of claiming from the card provider are that you’ll be able to claim the full costs of your booking, for all people in the booking, and won’t have to pay an excess or be restricted by cover limits.

New customers: I want to buy a new travel insurance policy

How does Coronavirus affect my cover?

Your travel insurance policy has a general exclusion for Covid-19 and anticipated events. We’ll provide cover for Emergency Medical and Repatriation if you test positive for Covid-19 provided you aren’t travelling against FCDO advice and Cancelling or Cutting short your trip for the reasons specifically listed under 'Section 3’ of your policy wording. Please refer to your policy documents for full terms and conditions.

Anticipated event: that which you knew could happen, or could reasonably have expected to happen, and you were aware of it when your insurance started, or the date you booked your trip, whichever is later.

Am I covered for cancelling or cutting short my trip if the FCDO advisory against travel remains in place or the FCDO changes its advice to against 'all' or 'all but essential travel' for my destination?

There is no cover under any section of your policy if you travel against FCDO advice, even if the trip is deemed essential. There is also no cover for cancelling or cutting short your trip if the FCDO advises against 'all' or 'all but essential' travel due to Covid-19 before or during your trip (for example, the FCDO advises that travellers abroad MUST return home).

You should speak with your travel agent, airline, hotel or accommodation provider as you may be able to reschedule your trip or get a refund. If you’re on your trip, as long as the FCDO hasn’t advised travellers at your destination to come home, you’ll still be covered as per your policy terms and conditions while you finish your trip. It is your responsibility to monitor the FCDO advice for any changes.

Please refer to your policy terms and conditions.

I was diagnosed with Covid-19 before my trip and must self-isolate/quarantine. Am I covered for cancellation?

If you test positive for Covid-19 within 14 days of your trip departure date and you’re required to quarantine or self-isolate, you can make a claim for cancelling your trip provided it was not an anticipated event. (For example, you had no reason to believe you may have Covid-19 or needed to take a test or self-isolate at the time of booking your trip, buying your policy or extending your cover.)

You can register a claim online . You’ll need to provide proof of a positive Covid-19 test as certified by a registered medical practitioner, a registered lateral flow test or if the lateral flow test can’t be registered, an acceptable letter from the NHS confirming the positive Covid-19 result. Photographs of a lateral flow test are not acceptable evidence. Please refer to your policy documents for full terms and conditions.

Am I covered for cancellation if my close relative, travel companion or close business associate contracts Covid-19 before my trip?

There’s no cover if your close relative, travel companion or close business associate contracts Covid-19 before your trip if they’re not named on your policy.

We’ll cover cancellation costs if your close relative (as defined in our policy wording) is hospitalised or dies within the 14 days prior to your trip departure date as a result of contracting Covid-19, provided it was not an anticipated event. (For example, you had no reason to believe they may have Covid-19 or they were not diagnosed with Covid-19 at the time of booking your trip, buying your policy or extending your cover).

Please refer to your policy terms and conditions for full details.

I have been denied boarding on my prebooked outbound travel due to symptoms of Covid-19 or testing positive for Covid-19. Am I covered?

If you have symptoms of Covid-19 or you test positive for Covid-19 and this was the confirmed reason for being denied boarding, you will be covered for cutting short your trip, provided it was not an anticipated event.

Anticipated event: that which you knew could happen, or could reasonably have expected to happen, and you were aware of it when your insurance started, or the date you booked your trip, whichever is later. (For example, you had no reason to believe you may have Covid-19 or needed to take a test or self-isolate).

You can register a claim online . You’ll need to provide proof of a positive test from a registered medical practitioner. Please refer to your policy documents for full terms and conditions.

Am I covered for cancellation if I need to self-isolate as a result of potential exposure to Covid-19 (e.g. NHS track and trace)?

There’s no cover for cancelling your trip because you choose to or were recommended to self-isolate due to potential exposure to Covid-19 (e.g. NHS track and trace), unless you need to self-isolate because one of your named travel companions has tested positive within the 14 days prior to their trip departure.

What happens if I get Covid-19 (Coronavirus) while abroad?

You’re covered for emergency medical treatment under Section 1 Emergency Medical Treatment and Repatriation up to your selected policy limits as long as you didn’t travel against FCDO advice, and it wasn't an anticipated event. For example, you had no reason to believe you had Covid-19 when travelling or you didn't travel against the your GP's advice.

You're also covered up to £1,000 per person for any additional travel and/or accommodation costs if you need to quarantine or self-isolate on your trip. However, you must contact our Emergency Medical Assistance team on +44 292 010 7777 as soon as you become unwell, so they can get you the help you need.

If I contract Covid-19 and am unable to come back to UK on my planned return date or am quarantined on my return to the UK, am I covered?

General quarantine requirements imposed on a population or area are not covered. If you’re unable to finish your trip as planned due to contracting Covid-19 and need to quarantine abroad, your cover will be automatically extended for you at no extra cost and we will provide cover as stated under Section 1: Emergency Medical and Repatriation until you can reasonably be expected to return home.

The cover will only apply if you did not travel against FCDO advice and the need to quarantine was not anticipated. (For example, it was not publicised before you travel, you had no reason to believe you had Covid-19 when travelling and you did not travel against medical advice.)

You should contact our Emergency Medical Assistance team on +44 292 010 7777 as soon as possible if you're put into quarantine or isolation so assistance can be offered if necessary.

Any additional accommodation or food costs should be covered by the authority that issued the quarantine, along with any reasonable out of pocket expenses that you incur. You should speak to your tour operator or resort manager to arrange this. However, if this is not the case you can submit a claim for consideration.

Associated costs such as loss of earnings due to your isolation are not covered.

If I’m unable to return home on my planned return date due to Covid-19 related travel disruption, travel restrictions or quarantine rules, am I covered?

There’s no cover for additional costs incurred due to Covid-19 related travel restrictions, travel disruption or quarantine rules imposed by any government or local authority on a population or area in any country. However, if you are unable to finish your trip as planned due to a delay that can’t be avoided, which includes flight cancellation, your cover will be automatically extended for you at no extra cost until you can reasonably be expected to return home.

If your original return journey is delayed or cancelled, your travel agent or airline should help you find alternative transport, accommodation or arrange a refund. You may have to book another plane, train, coach or boat yourself.

The FCDO has advised against travel to my destination due to Covid-19 but my travel provider has advised my trip is going ahead. Am I covered for cancellation?

It’s highly unlikely that travel providers would arrange a trip against FCDO advice. There’s no cover under any section of your policy if you travel against FCDO advice, even if the trip is deemed essential.

If the flight is operating but you follow FCDO advice and do not travel, there is no cover for cancellation under your policy as per our Coronavirus general exclusion. You should contact your travel provider for a refund or to reschedule your trip.

My airline/travel/accommodation provider has cancelled my booking due to Covid-19. Am I covered?

There is no cover for this scenario. If your booking has been cancelled by the company organising your transport or accommodation due to Covid-19, you should be offered an alternative booking, credit voucher or a full refund.

Am I covered for costs incurred as a result of being quarantined on my return from a red list country?

There is no cover for costs as a result of needing to quarantine upon return.

How can I make a claim?

Before submitting a claim, please refer to the relevant section of the FAQs for information about what's covered under your policy and follow the applicable steps below.

If you've booked your trip through a tour operator or agent, you're entitled to a refund from them. You can review the Travel Arrangements Regulations here .

If you’re unable to recover some or all your costs, you can register your claim online or by calling 0333 234 9914.

Please only register your claim if you’ve:

• Returned from a trip and need to claim 
• Had a trip cancelled and you’re due to travel within the next 30 days and your airline, tour operator or accommodation provider won’t reimburse your costs or make alternative travel arrangements for you

If you’re abroad and have a medical emergency (hospital treatments likely to incur medical expenses over £500) or need to cut short your trip, please call our 24-hour medical travel assistance helpline on +44 292 010 7777.

Once your claim has been registered, we'll be in touch to ask for: 

• Confirmation of the original booking, and which parts are non-refundable 
• Evidence you’ve tried to get your money back through the airline, tour operator or accommodation provider 
• Other supporting evidence relevant to your claim

My policy book says I need to provide a medically approved test result but the government is advising only Lateral Flow Tests where there are no symptoms – will you accept an LFT?

You’ll need to provide proof of a positive Covid-19 test as certified by a registered medical practitioner, a registered lateral flow test or if the lateral flow test can’t be registered, an acceptable letter from the NHS confirming the positive Covid-19 result. Photographs of a lateral flow test are not acceptable evidence. Please refer to your policy documents for full terms and conditions.

What happens if I get Covid-19 while abroad?

Do i have personal accident and personal liability for my winter sports trip activities.

We cover personal accident up to the policy limits and personal liability cover up to £3 million, for winter sports activities listed in the winter sports cover section of our policy wording except Snowmobile/Ski-Doos which excludes personal accident and personal liability cover. Please note, this cover cannot be added to the Snowmobile/Ski-Doos activity for an additional premium.

While there's no restriction on seasonaires buying our cover, our winter sports cover is limited to a maximum of 21 days per policy term so we would be unable to cover the entire season.

My single trip has been rescheduled, can I amend my trip dates?

If you completed a quote with us on or after the 08 January 2022 and your new trip dates are within 365 days of when the policy was purchased, you can amend your policy trip details through our secure online portal here.

If you are unable to amend your trip dates online, please contact us to discuss this further.

Existing customers: Cover for specific Covid-19 related events

From 26 April 2021, we’ll provide cancellation cover to existing customers for the reasons specifically listed in Section 3 of our most recent policy wording. This new section of cover will apply regardless of when you bought a policy with us.

For any further queries, please refer to the FAQs in the 'New Customers: I want to buy a new travel insurance policy' section.

I have had to pay an additional amount of money in order to rebook an element of my trip due to Covid-19. Can I claim for these additional costs?

There is no cover for additional costs incurred by you if you had to rebook any part of your trip due to Covid-19.

How does depreciation affect the amount I receive for my personal belongings?

The amount we pay you depends on how long you've owned each item you're claiming for. We'll pay the full purchase price for anything less than a year old. For older items, the table below shows how much we'll take off your claim amount. Policy excess will apply.

Items over 12 months old are subject to wear and tear deductions.

View or make a change to your policy

You can view and make certain changes to your policy using the Travel Portal . If the change you'd like to make is unavailable, please contact us and one of our agents will be able to help you.

Coronavirus & Travel Insurance guidance

For the most up to date information and guidance on Coronavirus and your Travel Insurance please visit our Coronavirus FAQ page .

Make or discuss a Travel Insurance claim

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Extreme Sports Travel Medical Insurance

Travel Insurance Coverage for Adventure Sports

Extreme sports carry a higher likelihood of injury, and medical treatment abroad, particularly in remote areas or countries with costly healthcare systems, can be expensive. Without adequate coverage, an accident or injury might lead to hefty medical bills and additional logistical challenges like medical evacuations. A travel insurance plan that includes extreme sports offers peace of mind and ensures that the traveler can focus on their adventure without worrying about the financial risks of potential accidents.

Travel insurance that covers extreme sports is crucial for adventure enthusiasts who engage in high-risk activities like skiing, scuba diving, bungee jumping, or mountain climbing while traveling. Standard travel insurance plans often exclude coverage for injuries sustained during such activities, exposing travelers to significant financial and medical risks. A specialized plan ensures you have coverage for medical expenses, emergency medical evacuations , and even trip cancellations due to injury.

Travel Medical Plans Offering Adventure Sports Coverage

World Nomads Travel Insurance offers coverage for over 150 adventure sports and activities as part of its Standard plan level and even more under its Explorer plan level. IMG Patriot Travel Insurance  offers additional coverage for adventure sports through optional riders, which travelers can purchase with their travel medical insurance.

World Nomads and IMG Patriot Travel are available to U.S. citizens/residents and non-U.S. citizens traveling abroad for an extended period of time.

IMG Patriot Travel Medical Plan

The Patriot Travel Medical Plan will cover individuals (up to age 65) for a variety of adventure sports with the purchase of their Adventure Sports Rider.

All such activities must be carried out in strict accordance with the rules, regulations, and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please note this is only a summary of Adventure Sports and exclusions.

Patriot Platinum Travel Insurance

• Maximum limits up to $8,000,000
• IMG pays 100% of medical expenses in-network
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World Nomads Standard and Explorer Plans

The World Nomads Standard and Explorer plans will cover individuals (up to age 70) for over 150 adventure sports activities on their Standard plan and even more on their Explorer plan. The list of covered activities depends on what country you reside in – see this page to determine if your preferred activity is covered.

World Nomads Adventure Activities Travel Insurance

• Coverage for 150+ adventure activities
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10 most interesting places in Yaroslavl Region (PHOTOS)

1. H istorical center of Yaroslavl

Church of Elijah the Prophet

Yaroslavl is located at the confluence of the Volga and Kotorosl rivers. This is the capital of the region (and the unofficial capital of the ‘Golden Ring’ tourist route) and a beautiful city with a thousand-year-long history; some of its landmarks are depicted on the 1,000-ruble bill.

The city is, at the same time, very modern – with bars and restaurants to satisfy every taste; that said, it is saturated with history and a rich cultural heritage. So, you can stay awhile and spend quite some time visiting attractions and churches… (don’t miss the Yaroslavl Museum-Reserve and the 17th-century Church of Elijah the Prophet!). You can read a detailed guide of Yaroslavl here . 

Aerial view of the city center

Even if you don’t like to go to museums, we still recommend you to visit the ‘Golden Ring’ show market, where you can see the main attractions of all the ‘Golden Ring’ cities in one room – well, a miniature version of them! It’s not simply static architecture in miniature, it’s an entire living world. Trains and cars move around, power stations are in operation, you can also hear church bells ring. Night comes every 10 minutes; lights spark up in the cities and in the windows of apartment blocks.

‘Golden Ring’ show market

Such an attraction is fun for both adults and children! You can see more videos and photos here . 

2. Pereslavl-Zalessky

The 12th century Transfiguration Cathedral and the monument to Alexander Nevsky

This is the first city of the region along the way for a tourist en route from Moscow to Yaroslavl. It’s also included in the ‘Golden Ring’. Pereslavl-Zalessky has one of the most ancient surviving churches of Russia – the 1152 (!) Transfiguration Cathedral. Almost every house here has a unique “museum” with its own theme, from vintage irons to gramophone records.

Locomotive Museum in Pereslavl

One of the most unusual ones hides in the forests not far from the city – the Pereslavl Railway Museum under the open sky. Examples of different locomotives and coaches since the beginning of the 20th century are collected there. You can also have a ride on a real draisine (a light auxiliary rail vehicle).

You can read a detailed guide to Pereslavl-Zalessky here .

3. Lake Pleshcheyevo

Lake Pleshcheyevo and the Church of the Forty Martyrs

Pereslavl-Zalessky stands on the shore of quite a large body of water. This lake is famous for the fact that Peter the Great trained his amusement fleet there. A museum stands on the shore, where the small boat ‘Fortuna’ is exhibited, built by Peter the Great himself, according to legend. 

‘Fortuna’ boat built by Peter the Great

Near Lake Pleshcheyevo lies an ancient artifact of pagan Russia – the sacred ‘Blue Stone’. This is a giant boulder (estimates say it weighs around 12 tons) that changes its color to blue after rain. The locals worshiped the stone in pre-Christian times, but even after accepting Christianity, the stone was attributed mystical properties (it was supposed that the stone possessed dark powers).

This Blue Stone was considered sacred

Pleshcheyevo is a paradise for eco-tourists; there are a lot of rare birds and animals that livee there, surrounded by a forest and picturesque places. You can stop at one of the recreation bases or pitch a tent and enjoy the view, ride a boat or SUP-boards. There’s also a kiteboarding school; also, during summer, hot air balloon festivals are often held.

4. The Rostov Kremlin

The Rostov Kremlin

The next city along the way is Rostov Veliky (don’t mistake it for the southern Rostov-on-Don). Its main attraction is its unbelievably beautiful white-stone kremlin of. It was also captured in popular culture: many scenes of the iconic comedy movie ‘Ivan Vasilievich: Back to the Future’ were shot there.

A still from ‘Ivan Vasilievich: Back to the Future’

The kremlin is not a defensive fortification like in other cities. It was built as the residence of Rostov metropolitan Jonas III in 1650-1680. The high walls with embrasures and lookout towers are more of a stylization and a tribute to architectural trends.

Inside, you should definitely enter the ancient Dormition Cathedral, admire the iconostasis and frescoes and take a stroll in its picturesque garden. Try pastries with kvass, medovukha or sbiten in the local refectory.

As a souvenir, you can get a decoration item with Rostov ‘finift’, an old local handicraft that originated in Byzantium, involves a technique known as ‘fire writing’.

You can read our Rostov guide here .

5. Uglich – the city where history was made

Uglich, the red church is the Church of Dmitry on Spilled Blood

This small town on a picturesque shore of the Volga River is famous across Russia. Not for its ancient churches or its nature, but as the place where Tsarevich Dmitry was killed, which ended the Rurikid dynasty and paved the way for the ‘Time of Troubles’.

The main attractions are concentrated in the kremlin, with a bunch of souvenir stores and a new embankment with trendy cafes.

Visit the chambers of Uglich princes of the 15th century, as well as the Church of Dmitry on Spilled Blood, built on the place where the tsarevich was killed – it has fantastic paintings inside.

And you can read our detailed Uglich guide here .

6. The city of mice

Cruise ships cruising along the Volga River always stop in the city called Myshkin. It is, probably, the most lovely (and cutest) town in the entire region, a small center which has preserved the spirit of Russian antiquity.

‘Mysh’ is Russian for ‘Mouse’, so Myshkin literally means the ‘Mouse City’. Thanks to its name, the city made the mouse its mascot. And now mice (no, not the real ones!) are all over the place – there’s a special museum dedicated to mice, while there are souvenirs wherever you go: mice of the most diverse varieties!

Mice of Myshkin

It’s considered a blessing to buy a small clay mouse and put it in your wallet – the locals believe it will attract money. The square, where the Volga River liners dock, offers a dozen types of smoked fish. A marvelous view of the Volga River, meanwhile, opens from the bell tower of St. Nicholas’ Cathedral.

7. Rybinsk – a retro-style city

Retro street signs on the local Red Square

Rybinsk is yet another city on the shore of the Volga River. There, you can immerse yourself in the atmosphere of rich merchant life – the city was once a true trade center, which also dealt in fish. The Nobel Brothers Museum, who developed the oil industry in the city and on the Volga River, can also be found there.

It’s pure joy to have a stroll in Rybinsk, for, today, the main aspect of the city is that all the signs in the center are made in the retro merchant style. Even modern banks and stores attract visitors with their seemingly pre-revolution signs. Also, Rybinsk has a beautiful and very long embankment and even its own Red Square, which, despite the Lenin monument, is very reminiscent of a typical square somewhere in Europe.

8. The most beautiful village in Russia

The village of Vyatskoye

The village of Vyatskoye 40 kilometers from Yaroslavl is considered one of the most beautiful in Russia (at least, according to the ‘Most Beautiful Villages of Russia’ Association). In recent years, it has become a true Mecca for tourists. Its center was restored in the Art Nouveau style of the beginning of the 20th century, right down to stone pavements and vintage buildings.

There are museums to satisfy every taste (including the Museum of Russian Entrepreneurial Spirit), stores with souvenirs and local delicacies, sweets, and liqueurs, as well as a multitude of cafes.

9. Borisoglebsky Monastery

Borisoglebsky Monastery

There’s an old and very important monastery between Rostov and Uglich. It was founded in 1363 by monks Fyodor and Pavel with the blessing of Sergius of Radonezh himself – who, according to legend, picked this place (he was born not far). The monastery had always been a district center; it was visited by tsars and a village gradually formed around it, after which fairs and trade markets began to be held. 

In Soviet times, religious services here stopped and a museum opened instead; but, today, the monastery is operational again. The impressive monastery walls and an imposing gate church speak of its former glory.

Resurrection Cathedral in Tutaev

This city received its name after the revolution; before, it was called Romanov-Borisoglebsk. It was known for its mineral oil factory, as well as for its linen and fur manufactures (in the 18th century, the breed of Romanov sheep was bred there).

To this day, you can only reach one part of the city from the other only by a ferry, so get ready to sail or pick only one side of the city for your visit. For example, the Borisoglebsk side, with the unbelievably magnificent 17th-century Resurrection Cathedral. Be sure to study the tiled belt and paintings on its facade; inside, you should definitely approach the cathedral’s relic – the unique three-meter-tall Borisoglebsky Savior icon, which is considered miraculous.

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