If you're seeking an adrenaline rush on your travels, a standard travel insurance policy won't usually cover extreme sports. That's because of the risk involved. You may want to consider a specialist policy, like extreme sports travel insurance, to ensure you're covered.
If you're ready to compare prices, click 'Get a quote'. Or, to find out more about having the right cover for extreme sports, keep reading.
As mentioned, exactly what's covered can vary between insurers. For example, activities such as canyoning may be considered extreme by many travel insurance providers, but sports like martial arts may not.
You should always check your policy details before buying extreme sports travel insurance. But, typically the following activities may be considered extreme:
There are also various more 'tame' sports that insurers may not cover on standard travel insurance. If you're travelling to play sports and want cover for equipment and other things, it may be worth considering a sports travel insurance policy. It's all to do with risk, each insurer will have their own method of assessing the risk attached to each activity. Some of these include:
The benefits can change depending on the insurer, but typically they can include:
There are exclusions that aren't covered by extreme sports travel insurance, these generally apply to a standard policy. In most cases, you aren't covered for:
Yes. The good news is there may be a policy out there if you have a pre-existing medical condition. But, this type of cover can be more expensive and it's likely you'll have less choice of insurers who will offer a policy. The best way to find a policy that's right for you is by comparing quotes. Pre-existing medical conditions can include:
Can't find suitable cover? The Money and Pensions Service (MaPS) have a directory of insurers through the brand MoneyHelper that offer cover for pre-existing medical conditions.
Specialist policies can cover you if you've been refused or had travel insurance cancelled because of a medical condition. The benefit of comparing specialist policies is that other major insurance providers may offer insurance, but at an additional premium.
1Correct as of October 2024
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