It depends. Each insurer has a different view of what's considered an 'extreme sport'. Some insurers cover low risk one off activities as standard at no extra cost such as snorkelling, cycling or fishing. However, if you're travelling for a cycling holiday, you may need specific cycling travel insurance, or if you plan on doing more risky water sports, you'll need travel insurance with water sports cover.
Depending on your insurer, you may be to take out activity travel insurance and have cover in place for most things you plan on doing while you're away. Horse riding and contact sports like rugby can be classed as extreme by some insurers and need extra cover.
A one off round of golf can be covered as part of standard travel insurance. But if you’re going on a golfing holiday, or plan on playing a lot while your away you should consider specialist travel insurance with golf cover. This is especially true if you're taking your favourite driver and clubs.
Typically, standard travel insurance won't cover sports and activities such as:
With all of that said, it's important you find a policy that covers what you need it to. Yes, this means you have to read through your policy documents - but at least you can rest easy knowing you're protected. If anything isn't clear, contact your insurer directly with any questions you may have.
Yes, generally these activities are considered high risk by insurers. So, if you’re taking part in winter sports like snowboarding or skiing, you should consider specific winter sports insurance.
Activities like skiing and snowboarding are unique given their alpine-based nature. As such, if you're planning on hitting the slopes, you'll need to consider a specialist policy to cover you. Taking part in dry slope skiing as a one off activity part of a wider holiday might be covered with a standard travel insurance policy. But this will vary between insurers so make sure you check policy details before you go.
Along with the typical features of a standard travel insurance policy such as medical expenses and cancellation cover, winter sports travel insurance can cover:
Winter sports cover is tailored to protect you against the unique risks sports like skiing and snowboarding present. That's why having the right cover in place is important.
Each insurer will set out conditions and exclusions in their policies, these can vary between providers. That's why it's important to check over policy documents so you have the right cover in place. But generally, here's what's covered and not covered with a sports travel insurance policy:
"It can be confusing to know what insurers class as a sport and if you need extra cover when you’re away.
Always talk directly to the insurer and let them know what sports you plan on doing on your holiday. That way you’ll know your covered against injury, liability, medical care and repatriation if needed.".
There are different types of travel insurance. Here's an overview of the features each policy can offer:
We'll show you quotes from an extensive list of insurers to ensure you have plenty of options available to you. You can focus on enjoying your trip with the right policy in place to cover you.
We're not owned by any insurance company. That means the quotes you see are unbiased and our best available prices based on the information you gave to us.
1Correct as of October 2024
We regularly inspect our content to make sure it's accurate and up to date. Learn more about our editorial standards.
Don't just listen to us, we've helped over 250,000 customers get travel insurance last year. We do our best to make buying travel insurance simple so you can relax and enjoy your holiday knowing you're covered.
You might be planning on playing a round of golf while you're away. If you're only playing one round, and you're not taking any clubs or equipment - you don't necessarily need extra cover.
A standard travel insurance policy may cover you to play a one-off round of golf. Specialist policies and optional extras can come at an added cost, so if you don't require extra cover, you're paying more than necessary. It's important you check with your insurer first and explain to them what you have planned. They can tell you if you're covered with a standard policy or if you need to consider buying add-ons or extra travel insurance.
Always shop around when you're looking for sports travel insurance quotes. Comparing different policies from various providers can help you save money.
If you automatically choose a single-trip policy every time you travel, consider multi-trip if you're planning multiple trips over a year, for example. Doing so could be a more cost-effective option over the course of a year.
If you're travelling with other people, consider a couples or group travel insurance such as a family policy. This can save you money compared to multiple individual policies. However, if someone you're travelling with has pre-existing medical conditions, it might be cheaper to buy individual policies.
Includes cover for any cancellations, green fees you've paid upfront and specialist cover for your clubs.
Does travel insurance cover you for missed flights or connections? Read our guide to find out what travel insurance can cover.
Losing your passport is stressul, but it doesn't have to ruin your trip. Here's what to do if your passport has been lost or stolen.
Are you a sports fan planning to catch your favourite events overseas? Find out how to choose the best insurance for your needs.
Discover which electronics you can bring through security and use on your flight.
In 2024, certain airports are changing the 100ml liquids rule that's been in place since 2006! Find out more about what's changing and when.
If you're looking to avoid using cash on your travels, a prepaid travel card could be exactly what you're looking for.
Tips for everything from getting to the airport, booking flights and hotels, and avoiding any roaming charges.
Page last reviewed: 16 October 2024
Reviewed by: Alvaro Iturmendi
cookie usage
We use cookies, some of which are essential to make our website work. For us to use our non-essential cookies, we need your consent. You can consent by accepting all or alternatively, manage your cookies at any time. For more information, read our cookie policy.
