Adventure Travel Insurance

Protection for the activities and experiences that make your trip memorable.

Travel Insurance for Your Adventures

Adventure travel insurance generally refers to travel insurance selected for trips that include sports, excursions, or recreational activities.

Whether you’re snorkeling in the Caribbean with family, hitting the slopes with friends, or booking zipline and ATV excursions with your partner, make sure your travel insurance fits your itinerary. Not every plan covers every activity—and some notably exclude them.

If you have an action-packed vacation coming up, adventure travel insurance can help protect your investment. Plans include the basics, like trip cancellation coverage, while also covering eligible activities, medical emergencies, evacuation, baggage, and more.

With InsureMyTrip, you can compare plans and find coverage that fits both where you’re going and what you’re planning to do.

What Can Adventure Travel Insurance Cover?

Coverage varies by plan, but some travel insurance plans include benefits designed for active vacations and the experiences you have planned.

Sports & Activities

An adventure plan may cover activities such as skiing, snorkeling, ziplining, scuba diving, jet skiing, or ATV tours, which many basic travel insurance policies exclude.

Emergency Medical

If you get sick or hurt during your trip, your plan may help pay for eligible emergency medical expenses, including injuries from covered activities.

Emergency Evacuation

If you need emergency transportation or evacuation, your plan may help cover eligible costs. This can be especially important if your itinerary takes you to remote locations or far from medical care.

Sports Equipment

Bringing skis, golf clubs, scuba equipment, or other gear? Some plans may cover eligible equipment if it’s lost, stolen, damaged, or delayed.

Search & Rescue

Some plans include benefits for eligible search and rescue expenses if you need emergency help while participating in a covered activity.

Trip Protection

Adventure plans may also include benefits for the rest of your trip, such as trip cancellation, trip interruption, travel delays, and baggage problems.

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Are My Activities Covered by Travel Insurance?

They may be, but coverage varies by plan and activity.

Activities that feel like a normal part of vacation may be treated differently from one travel insurance plan to another. That’s why it’s important to check your specific activities before you buy.

Depending on the plan, coverage may be available for activities such as:

Skiing and snowboarding
Snorkeling
Scuba diving
Ziplining
Parasailing
Water skiing
Jet skiing
ATV or UTV tours
Cruise and resort excursions
Other recreational activities

Don’t assume an activity is covered just because your resort, cruise line, or tour operator offers it. Check the plan details for covered activities, requirements, and exclusions.

Coverage may also depend on factors such as where the activity takes place, whether a guide or certification is required, equipment used, or whether participation is recreational or competitive.

Travel Insurance for the Whole Adventure

You don’t have to be climbing a mountain to have an adventure.

For many travelers, the activities they plan are some of the most memorable parts of the vacation. That could mean a family ski trip, snorkeling with the kids, a couples’ scuba excursion, or exploring a new destination by ATV.

How to Choose Adventure Travel Insurance

When comparing travel insurance, think about the whole trip:

What are you planning to do?

Make a list of each planned activity, including excursions you’ve already booked or hope to try. Also check for conditions involving guides, certifications, equipment, or where the activity takes place.

Who are you traveling with?

Review eligibility and any age restrictions for each traveler, including children.

Where are you going?

Consider whether you’ll be traveling internationally or spending time somewhere remote or far from medical care.

What are you bringing?

If you’re traveling with expensive sports gear or equipment, check whether the plan covers it.

What about the rest of your trip?

Activities are only one part of your vacation. Compare benefits for cancellation, medical emergencies, evacuation, delays, baggage, and other travel concerns too.

Who Should Consider Adventure Travel Insurance?

Adventure travel insurance may be worth considering when activities and excursions are an important part of your trip.

It may be a good fit if:

Your family has activities or excursions planned.
You’re taking a ski or snowboarding vacation.
You’re planning snorkeling, scuba diving, or other water activities.
You’ve booked an ATV, Jet Ski, zipline, or similar excursion.
You’re taking a cruise with shore excursions.
You’re traveling somewhere remote or far from medical care.
You’re bringing sports gear or other valuable equipment.
You want protection for both your activities and the rest of your trip.

The right coverage depends on what you’re planning to do. Compare plans and check the details before you buy.

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3 Things to Know About Adventure Travel Insurance

1

Not Every Activity Is Automatically Covered

Travel insurance plans have different rules for sports, excursions, and recreational activities. Check that the activities you’re planning are covered instead of assuming they’re included.

2

Medical & Evacuation Coverage Matters

Getting hurt away from home can be complicated, especially if you’re traveling internationally or to a remote area. Compare emergency medical and evacuation benefits along with activity coverage.

3

Protect More Than the Adventure

Your activities may be a highlight of the trip, but don’t forget about everything around them. Compare coverage for your flights, prepaid trip costs, baggage, delays, medical emergencies, and other parts of your vacation.

Adventure Travel Insurance FAQs

Some plans do. Coverage depends on the plan and the activity. Some policies exclude certain sports, excursions, and recreational activities, or may have specific requirements. Check that your planned activities are covered before you buy.

It may. Some travel insurance plans may cover eligible medical expenses if you’re injured while participating in a covered sport or activity. Coverage varies, so review the plan’s covered activities and exclusions.

Some plans may cover skiing and snowboarding. Coverage varies by plan and depends on how or where you’re participating. You may also get benefits for eligible sports equipment and other problems related to your trip.

It depends on the plan. Snorkeling may be covered by some policies, while scuba diving may have additional requirements or exclusions. Check your specific activity against the plan details before purchasing.

They may be. An excursion isn’t automatically covered simply because it’s offered through a cruise line, resort, or tour company. Check how the travel insurance plan treats the activity.

Some plans may cover certain motorized activities. ATV, UTV, Jet Ski, scooter, and similar activities can have specific requirements or exclusions, so check the policy details before participating.

It varies by plan. Certain sports, high-risk activities, motorized activities, or activities performed under specific conditions may be excluded. Review the plan’s activity coverage and exclusions before you buy.

Start with the activities you know you want to do. Then compare travel insurance plans based on activity coverage, emergency medical and evacuation benefits, equipment protection, and coverage for the rest of your trip.

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Adventure Travel Insurance

Travel Insurance for Your Adventures

AXA Assistance USA Explorer Elite

AXA Assistance USA Explorer Select