Travel insurance for adventure sports typically covers ¹:
- Medical Emergencies: Doctor and hospital fees, surgery costs, ambulance services, and emergency dental care due to accidents.
- Emergency Evacuation and Repatriation: Helicopter evacuation, medical repatriation to your home country, and repatriation of remains in worst-case scenarios.
- Trip Cancellation or Interruption: Reimbursement for prepaid tours, flights, and other non-refundable expenses if you’re injured before or during your trip.
- Lost or Damaged Sports Equipment: Coverage for theft, damage, or loss of sports equipment, with limits varying by policy (typically $500-$3,000).
- Accidental Death and Dismemberment (AD&D) Benefits: Financial protection for accidental death or dismemberment during adventure activities.
Some insurance providers that offer adventure sports coverage include ¹ ² ³:
- World Nomads: Covers over 150 activities and sports, with options for trip cancellation, medical expenses, and equipment protection.
- IMG Global: Offers customizable adventure sports add-ons, strong evacuation coverage, and coverage for Americans and international travelers.
- Allianz Global Assistance: Provides adventure sport optional upgrades, 24/7 multilingual customer support, and a strong brand reputation.
- Battleface: Offers primary health insurance, emergency medical evacuation, and coverage for pre-existing conditions, with customizable options.
- Travelex: Provides trip protections, medical insurance, and coverage for adventure activities, with 24/7 travel assistance.
When choosing adventure sports travel insurance, consider ¹:
- Understanding Your Activities: Ensure your policy covers all the activities you plan to do.
- Medical Coverage Limits: Minimum recommended emergency medical coverage: $100,000; evacuation coverage: at least $500,000 for remote areas.
- Gear Protection: Check if your policy covers theft, damage, or loss of sports equipment and understand the limits.
- Trip Interruption & Cancellation Terms: Review the policy’s terms and conditions for trip interruption and cancellation coverage.