travel insurance for water sports

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Best Travel Insurance for Winter, Adventure, and Extreme Sports

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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.

Frequently Asked Questions

Are adventure sports covered by travel insurance.

Adventure sports can be covered by travel insurance, but extreme sports are usually excluded from standard travel insurance coverage. Review your policy’s terms and conditions to determine whether your desired activities are covered. If not, you may want to purchase additional coverage appropriate for the activities you’re planning for your travel.

Does travel insurance cover water sports?

Travel insurance coverage for water sports varies depending on the policy and provider. For example, your standard policy may cover snorkeling, shallow diving, and surfing but could exclude deep-sea diving or white water rafting.

Does travel insurance cover sports injuries?

Travel insurance often covers sports injuries, but it depends on the sport. If you’re injured doing a sport not covered by your policy — such as ziplining or skydiving — medical care for your sports injury will not be covered. 

What travel insurance includes cover for sports equipment?

Sports travel insurance typically offers coverage for sports equipment, which can reimburse you for loss, theft, or damage of your sports equipment while traveling.

What travel insurance company covers me for extreme sports?

Several travel insurance companies cover extreme sports, including battleface, Cat 70, HTH Worldwide, IMG, John Hancock, Nationwide , Travelex, and World Nomads.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Best Adventure Sports Travel Insurance

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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 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 our picks for the best travel credit cards of 2024 , including those best for:

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

No annual fee: Bank of America® Travel Rewards credit 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

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WATER SPORTS TRAVEL INSURANCE

• Worldwide Protection available
• Over 500 Sports Covered
• UK's leading sports insurance provider

Buy your Water Sports Travel Insurance in minutes

10% OFF ONLINE*

Independent Service Rating based on 4633 verified reviews.

Our Water Sports Insurance policy options

Put simply, we offer three different policy options…

1. Travel Insurance

Our Sports Travel Insurance will cover you whilst participating in water sports abroad for leisure or competition and includes cover for medical and repatriation costs, trip cancellation and curtailment, plus more.

2. Travel Insurance Bolt-On

If you have an existing travel insurance policy in place with another provider such as your bank but it does not include cover for water sports, we can provide a bolt-on style of protection for your trip.

3. Sports Accident Insurance

Our Sports Accident Insurance is designed to protect you whilst taking part in a water sport in the UK. The policy provides a range of benefits including personal liability and income protection.

Making claims clearer

AVERAGE PAY OUT 

 FOR EACH TRAVEL INSURANCE CLAIM**

OF OUR POLICY HOLDERS

NEEDED TO MAKE A CLAIM**

OUR AVERAGE CLAIMS RATING

ACCORDING TO OUR FEEFO SCORE***

Get an instant quote for Water Sports Travel Insurance online

Join thousands of sports enthusiasts who choose us every year

Or Call us on 01494 484800

Why choose us

30 years experience.

We have been providing tailored Sports Insurance policies for over 30 years, and today protect more than 57,000 customers a year.

Professional Claims Handling

We work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.

Underwritten by Experts

We’re pleased to offer tailored cover from AXA XL, a leading provider of insurance in the sports and leisure industry.

UK Based Customer Service Team

Our highly experienced Sales team are available to help support you with any questions that you might have.

5-Star Customer Service Rating

Thousands of happy customers have awarded us a 5-star customer service score on the independent feedback platform, Feefo.

500+ Sports Covered

Being a specialist in Sports Insurance, we provide cover for over 500 different sports & activities, far more than other providers.

What is Water Sports Travel Insurance?

Our policies are designed to protect sports enthusiasts who are taking part in water sport activities within the UK and abroad. From scuba diving to wind surfing, simply select your specific water sport(s).

Our Sports Travel Insurance policy will cover you whilst participating in a water sport overseas, covering medical and repatriation costs, trip cancellation and curtailment, plus equipment cover.

If you’ve chosen to do a water sport in the UK and need personal accident, income protection or personal liability, our Sports Accident Insurance policy is better suited.

Get a quote and choose wisely before purchasing the right insurance policy for your activity.

What does our policy cover?

What our policy will cover depends on whether you are doing the water sport in the UK or abroad…

If you require travel insurance for going abroad to take part in a water sport, then our policy will include emergency medical expenses and repatriation cover, cancellation and curtailment cover, sports equipment cover and much more.

Should you be taking part in a water sport within the UK and require personal liability or income protection, then our Sports Accident Insurance policy can provide this cover.

Frequently Asked Questions

Standard travel insurance policies do not always cover hazardous sports. Our Sports Travel Insurance is specifically designed to cover over 500 high risk activities such as bungee jumping, skateboarding, ski-acrobatics and many more.

Our Sports Travel Insurance policy provides up to £5,600 worth of equipment cover. This add-on not only protects your own equipment, but also any equipment you hire during your trip. It also covers your water sports equipment in transit to and from your destination.

Yes, our Water Sports Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.

You can purchase our Water Sports Insurance online up until 74 years old. Above this age, you would need to call us on 01494 484800 and we will be able to refer your quote to our underwriters. Please note, our quotes are based on your age at the start date of cover.

* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only. 

** Data relates to Sports Travel Insurance claims from Jan 2023 to Dec 2023 inclusive.

*** Feefo rating relates to Sports Travel Insurance claims review score from Jan 2023 to Dec 2023 inclusive. 

Get an instant quote and buy  online now!

Water Sports Travel Insurance

Travel insurance for water sports is an essential component of a safe journey. Water sports holidays are highly popular among tourists, featuring kayaking, surfing, jet skiing, and many other types of recreational water activities. It’s a great way to get an adrenaline rush and enjoy the beauty of the sea landscapes. However, water-related injuries remain a significant risk for every athlete.

It’s important to ensure that your adventure on the waves doesn’t turn into an unpleasant incident. To achieve this, our company offers travel insurance specifically tailored for water sports. In the event of an injury, a standard insurance policy will compensate for the damages incurred. By obtaining an extended policy, travelers also receive protection against other risks, such as non-departure from the country due to unforeseen circumstances or loss of baggage.

Popular Types of Water Entertainment During Travel

There are numerous types of water sports, each with its own characteristics. Let’s explore the ranking of the most popular water entertainments:

• Canoeing: Participants in this type of paddle sport demonstrate their skills in maneuvering a canoe. The athlete sits in a slim boat and propels themselves through the water using a double-bladed paddle.
• Parasailing: Parasailing is a recreational activity where a person floats above the sea with a parachute. They are attached to a long rope connected to a moving watercraft, typically a boat.
• Rafting: Rafting involves navigating water on an inflatable boat called a raft. Depending on the seating capacity (ranging from 4 to 20), rafts are used on various water bodies.
• Water skiing: In this sport, the rider glides on artificially created waves generated by a boat. They wear specially designed skis for ease of movement.
• Windsurfing: Windsurfing is a type of sailing sport that involves riding a board with a sail attached to it.
• Diving: Scuba diving is underwater swimming, where a person descends into the depths of the ocean with specialized equipment to supply air.

Frequent Water-Related Injuries

The number of injuries occurring during water sports activities continues to increase each year. Most commonly, these injuries involve limbs (fractures, dislocations) and wounds resulting from the athlete’s inattentiveness or unfortunate circumstances. For example, sharp objects such as small stones and shells can be encountered in the water. Mechanical injuries can also occur due to insufficient physical preparation for the exertion.

Despite there being more hazards on land, injuries on the water tend to be more serious. Athlete errors or equipment malfunctions can lead to ligament tears, various degrees of bruises, and, unfortunately, even fatal outcomes.

Jumping into the water from a height is particularly dangerous. A person can sustain an injury not only from a strong impact on the water’s surface but also from rapid changes in pressure and temperature. Plunging into cold water can cause significant stress to the body, potentially resulting in loss of consciousness. Athletes often dive headfirst, exposing themselves to the risk of hitting the bottom and suffering spinal injuries.

When Insurance Does Not Cover an Injury

Generally, travel insurance for water sports covers all incurred damages. However, there are certain cases in which the insurance company may deny payment.

Chronic Illnesses

If a tourist with a pre-existing chronic illness seeks medical assistance for its treatment, the company may refuse to provide coverage for the examination. Travel insurance for water sports exclusively covers emergency treatment for injuries.

Additionally, in cases where the illness began prior to the insurance policy’s inception, the insurance company has the right to deny coverage for expenses such as cast removal, stitches, and others. Assistance is also not provided to athletes with oncological, venereal, or mental illnesses.

Alcohol Intoxication

If the injured person was under the influence of alcohol or intoxicated at the time of the injury, the company will not cover their expenses. This also applies to the influence of narcotics and psychoactive substances. Such injuries are considered to be the insured person’s fault.

Expenses for the treatment of sunstrokes, burns, and the consequences of radiation are not covered, as they do not fall under the category of sports-related mechanical injuries.

When entering into an agreement with an insurance company, they may specify the amount of the deductible, which is the portion of the insured tourist’s expenses that is not reimbursed. The cost can be indicated as a specific monetary amount or a percentage. In simple terms, the deductible is a specific sum that the company will not pay. If the expenses do not exceed this amount, the insurer is not responsible for the client. However, if the expenses exceed the deductible, the company fully reimburses them.

Payouts in Insurance Coverage

The basic insurance policy can be obtained in three variants: for a single trip, multiple trips, or for a year. It includes coverage for:

• transportation of the injured party to a medical facility;
• emergency surgical and dental interventions;
• inpatient or outpatient treatment;
• early repatriation of the tourist to their place of permanent residence.

The water sports liability insurance contract specifies the amount of monetary compensation the athlete receives in the event of an incident. The sum may depend on the severity and type of injury. Generally, the more dangerous the injury, the higher the cost of coverage.

Extended insurance also includes protection for equipment and coverage for trip cancellation. If a tourist is unable to go on their trip due to reasons beyond their control (e.g., travel restrictions due to the Covid-19 pandemic), the company will compensate for the expenses. In such cases, it is advisable to insure against trip cancellation at least 5 days before departure.

Comparison of Prices for Water Sports Equipment Rental Worldwide

In the table below, you can familiarize yourself with the prices for popular water activities in various resorts, including insurance coverage for waterborne activities.

These are approximate prices for equipment rental in different countries. The actual prices may vary significantly depending on the resort and the level of equipment.

Stay Protected Water Sports Holidays with Our Travel Insurance

Travel insurance for water sports is an essential purchase for those who want to enjoy a variety of water activities, knowing that their health and equipment are protected by the insurance company. 

Our services have received hundreds of positive reviews from professional athletes and recreational enthusiasts with whom we actively and continuously collaborate. You can purchase insurance online through our website by filling out the corresponding form. Contact us to buy affordable travel insurance including water sports!

The basic package does not include such an option, but you can choose the ‘baggage’ option, and in that case, we will pay you the first 50% of the insured amount within 24 hours in the event of an insurance claim.

No, you do not need to provide any.

We insure individuals of any age. However, if you are a pensioner, please select the appropriate option when applying for the policy.

We cover all types of insurance for waterborne activities. Simply select the ‘extreme sports’ option. If you are unsure whether your specific activity is covered, please contact us.

Adventure & Sports Travel Insurance

Best travel insurance for extreme sports.

Some single trip policies can cover adventurous activities that are often excluded, such as skydiving, bungee jumping, and mountain climbing. Typically, these policies also have coverage for more common activities like hiking and snorkeling.

Select policies provide benefits for sports equipment and fees, including coverage for lost or damaged equipment , and for the cost of renting new equipment if yours is delayed . The Sports Fees benefit can reimburse sports-related trip payments.

The cost of treating injuries while competing in amateur sports can be covered by some travel insurance policies. This can include coverage for injuries sustained during competitive, organized, collegiate, or scholastic sports and activities.

Water Sports

Snorkeling, fishing, and other popular activities can be covered.

Many travel insurance policies have coverage specifically for active travelers who plan to participate in water sports . These policies can include coverage for many popular cruise excursions and water activities, such as jet skiing, snorkeling, deep sea fishing, and tubing, among others. Some travel insurance policies can also cover travelers who participate in more adventurous water activities, including scuba diving, windsurfing, water skiing, and speed sailing.

Snow and Winter Sports

Coverage from snowshoeing to heli skiing.

Winter sports are often covered by travel insurance policies, including snowboarding, skiing, tubing, and snowmobiling. More adventurous sports, such as heli skiing or heli boarding, luging, and ice windsurfing, can also be covered by some policies. Certain policies are built specifically to cover travelers who want to participate in these types of extreme sports.

Air Activities

Coverage for extreme air sports, like skydiving, may be available.

Hang gliding, zip lining, or bungee jumping can be covered by some travel insurance policies. The policies that can cover these air activities may also have more comprehensive coverage for other high-flying activities. These policies can include coverage for skydiving, parachuting, piloting an aircraft, and hot air ballooning, among others.

Travel Insurance for Adventure and Sports

Land-based Activities

Mountaineering and trekking are among the covered land activities.

Travel insurance can cover many adventurous land-based activities . Mountain climbing, cave diving and riding motorcycles are among the most hazardous land-based activities that can be covered under travel insurance policies. More common land-based activities, such as hiking, cycling, go-karting, and trekking, are also covered by many policies.

Amateur Sports & Competitions

Some policies cover recreational and organized sports.

Travel insurance can cover an injury that occurs while participating in a sport. Many policies cover recreational sports and activities, and some can cover organized sports at the scholastic, collegiate, or other amateur levels. Select policies can cover professional sports.

Travel insurance coverage for sports can include popular contact sports, such as football, rugby, and hockey, as well as other sports like basketball, baseball, and golf. This also includes participating in sports or activities in a camp setting.

Have Questions?

Search extreme sports travel insurance quotes.

Search for sports and activities you will be participating in during your trip, then select "Continue to Trip Information" to complete your quote.

• Water scuba diving, kayaking, diving, rafting and more. Bamboo Rafting Banana Boating Black Water Rafting (Grades 1-3) Bodyboarding Breathing Observation Bubble (BOB) Canoe Trekking Canoeing - White Water (up to Grade 3) Canoeing - White Water (up to Grade 4) Canoeing - White Water (up to Grade 5) Canoeing (excluding white water) Cliff Jumping Coasteering (ad hoc) Coasteering (with a guide) Deep Sea Fishing Dinghy Sailing Diving Diving (high diving or spring board) Dragon Boating Fishing Free Diving Gorge Walking (no ropes) High Diving HobieCat Sailing (inshore) Hydrospeeding (White Water Grade 3) Hydrospeeding (White Water Grade 4) Ice Diving Ice Windsurfing Jet Boating Jet Skiing Kayaking Kayaking (excluding White Water) Kayaking (White Water - up to Grade 3) Kayaking (White Water - up to Grade 4) Kayaking (White Water - up to Grade 5) Kite Boarding Kite Surfing Kloofing Mixed Gas Scuba Diving (you must be qualified) Modern Pentathlon Octopush Parasailing Parasailing (over water) Rafting River Bugging River Tubing Rowing Sailing Sailing/Yachting Inshore (racing) Sailing/Yachting Inshore (recreational) Sailing/Yachting Offshore (Deep Ocean: beyond 30 miles from the shore) Sailing/Yachting Offshore (Racing: within 30 miles of the coastline) Sailing/Yachting Offshore (Recreational: within 30 miles of the coastline) Scuba Diving Scuba Diving - Mixed Gas (must be qualified) Scuba Diving (accompanied by a dive master) Scuba Diving (Must be PADI or equivalent qualified) Scuba diving to 100 ft (if accompanied by a dive master) Scuba Diving to 10m (if SSI, PADI or NAUI certified) Scuba Diving to 120 feet (PADI or NAUI certified with a dive master present) Scuba Diving to 130 feet (PADI or NAUI certified with a dive master present) Scuba Diving to 20m (if accompanied by a dive master) Scuba Diving to 20m (if SSI, PADI or NAUI certified) Scuba Diving to 30 ft (if accompanied by a dive master) Scuba Diving to 30m Scuba Diving to 50m (Must be PADI or equivalent qualified) Sea Kayaking Shark Diving (in cage) Shark Diving to Swim With & Feed Sharks Shark Tagging (volunteer work) Skeleton Snorkeling Speed Sailing Stand Up Paddle Boarding Surfing Swim Trekking Swimming Swimming (Long Distance) Swimming with Dolphins Swimrun (Utö Swimrun or similar) Tombstoning Triathlon Tubing Utö Swimrun Sweden Wakeboarding Water Polo Water Ski Jumping Water Skiing (Amateur) Waterskiing Whalewatching White Water Rafting White Water Rafting (up to Grade 3) White Water Rafting (up to Grade 4 - 6) Windsurfing Windsurfing/Boardsailing
• Winter dog sledding, glacier walking, skiing, snowboarding and more. Airboarding Bobsleighing Cross-Country Skiing/Langlauf Dog Sledding (Racing) Dog Sledding (Recreational) Glacier Walking Husky Dog Sledding Ice Climbing Ice Holing Ice Skating Ice Speedway Ice Windsurfing Luge Marathon (Arctic) Mountain Biking (Mega Avalanche or Similar) Skiing (Back country with a guide) Skiing (Back country without a guide) Skiing (Backcountry in resort) Skiing (Cat Skiing/Boarding) Skiing (Cross Country) Skiing (Free-Style) Skiing (Heli Skiing) Skiing (Moguls) Skiing (Mono) Skiing (Nordic) Skiing (Para) Skiing (Ski Biking) Skiing (Ski Blading) Skiing (Ski Boarding) Skiing (Ski Cross/Snowboard Cross) Skiing (Ski Dooing) Skiing (Ski Flying) Skiing (Ski Jumping) Skiing (Ski Mountaineering) Skiing (Ski Racing (ski school races etc)) Skiing (Ski Racing) Skiing (Ski Randonee) Skiing (Ski Stunting) Skiing (Ski Touring) Skiing (Slopestyle (no inverted aerials)) Skiing (Snowcat) Sledding/Tobogganing Sleigh Riding Sleigh Riding (Reindeer/Horse) Snow Biking Snow Blading Snow Bobbing Snow Go-Carting Snow Mobiling Snow Parascending Snow Scooting Snow Shoeing Snow Skiing (Recreational Downhill) Snow Tubing Snowboarding Snowboarding (Back-country without a Guide) Snowboarding (Backcountry in resort) Snowboarding (Freestyle/Terrain Park (inverted aerials)) Snowboarding (Freestyle/Terrain Park (no inverted aerials)) Snowboarding (Heli-boarding) Snowboarding (Recreational) Snowboarding (Slopestyle) Snowboarding (Snowboard Cross) Snowcat Driving Snowmobling Speed Flying/Riding Speed Skating Telemarking Tubing
• Air zip lining, hang gliding, hot air ballooning and more. Bridge Swinging Bungee Jumping Flying (as a licensed pilot) Flying (as a passenger in a licensed passenger carrying private/small aircraft) Hang Gliding Hang Gliding (Tandem) Hot Air Ballooning Hot Air Ballooning (Piloting) Micro Lighting Operating an Aircraft Parachute Jumping (Static Line) Parachuting Parachuting (Charity with Static Line) Parachuting (Free Fall/Sky Diving) Paragliding Paramotoring Parapenting/Parapointing Parasailing (over water) Power Gliding Sky Jumping Skydiving Skysurfing Speed Flying/Riding Tandem Skydive Wind Tunnel Flying Zip Line Zip Trekking
• Land hiking, camel riding, trekking, safari tours and more. Animal Sanctuary/Refuge Work Assault Courses Assault Courses including High Ropes ATV Quad Bike (Off-roading) Biathlon Big Game Hunting Blade Skating Blowcarting BMX BMX Cycling (no Freestyle) BMX Freestyle BMX Racing Bouldering Buggying Camel/Elephant Riding/Trekking Camping Canyoning Caravanning (Mobile Home/Trailer Camping) Cave Diving Cave Tubing Caving/Spelunking Climbing (Mountaineering up to 4,000m) Coasteering (ad hoc) Coasteering (with a guide) Cross Country Running Cycle Racing / Time Trials Cycle Touring Cycle Touring (multi-country expeditions) Cycling (Road/Recreational) Cyclo-cross Deer Stalking/Hunting Drag Racing Driving (any motorized vehicle) Fell Running Fell Walking Four x Four Off Road Driving Go-Karting Gorge Walking (no ropes) Gorilla Trekking Hiking Hiking (below 4,500 meters) Hill Walking (up to 2,000m) Historical/Battle Reenactment Horse Riding Ironman Jogging Karting (as part of an organized recreational event) Karting (Racing) Kilimanjaro (Trekking ascent) Kloofing Land Sailing/Sand Yachting Land Skiing Land Yachting Low Ropes Marathon (City/Street marathon) Modern Pentathlon Motor Cycling (above 125cc) Motor Cycling (up to 125cc inc hired motor cycle)) Motor Cycling Off Road over 250cc (non-competitive) Motor Cycling Off Road up to 250cc (non-competitive) Motor Paintball Motor Racing/Competitions (all types) Motor Rallies/Competitions (all types) Motorsport/Motor Racing Mountain Biking Mountain Biking (Competitive) Mountain Biking (Downhill) Mountain Biking (Freestyle) Mountain Biking (Mega Avalanche or Similar) Mountain Biking (Recreational not Downhill) Mountain Boarding Mountaineering Mountaineering above 14,000ft Mountaineering up to 4,000m Mountaineering up to 5,000m Off Road Motorcycling (over 250cc) Off Road Motorcycling (up to 250cc) Off-road Car Driving (4x4, dune buggying etc) Orienteering Overland Trips Paintballing Paintballing (Motor Paintball) Pony Trekking Rap Running/Jumping Rappelling/Abseiling Rock Climbing (under 2,000m) Rock Climbing (under 3,000m) Rock Climbing (under 4,000m) Rock Scrambling (under 4,000m) Roller Blading Roller Derby Roller Skating Safari (hunting with guns/bows) Safari (Wildlife/Tourist) Safari Trekking (where guns are carried by safari guides for safety) Sandboarding Scrambling Shooting (Clay Pigeon) Shooting (Target) Slack Lining Small Bore Target Shooting Storm Chasing Summer Tobogganing Trekking Trekking (Everest Base Camp) Trekking (Kilimanjaro Ascent) Trekking (up to 4,000m) Trekking (up to 4,500m) Trekking above 7,000m Triathlon Via Ferrata Volcano Climbing Zip Line Zip Trekking Zorbing
• Sport archery, basketball, soccer and more. Aerobics Amateur Athletic Field Event Amateur Athletic Track Events American Football American Football (No Division 1) Angling Archery Badminton Ball Hockey Ballet Baseball Basketball Billiards Bowling Bowls Boxing Boxing (Training) Cheerleading Climbing (indoor) Cricket Croquet Cross Country Running Curling Cycle Racing/Time Trials Dancing Dodgeball Endurance Tests Equestrian Eventing (Equestrian) Falconry Fell Running Fell Walking Fencing Field Hockey Fishing Fives Flag Football Frisbee Gaelic Football Golf Gymnastics Gymnastics (floor) Gymnastics (involving somersaults etc) Handball Highland Games (athletic events competing) Highland Games (heavyweight events competing) Horse Jumping (Show Jumping) Horse Riding Horse Riding (Dressage) Horse Riding (Eventing) Hunting Hurling Ice Hockey Ice Skating Ice Speedway Ironman Jiu Jitsu Jiu Jitsu (Brazilian) Jogging Judo Karate Karting (as part of an organized recreational event) Karting (Racing) Keep Fit Kendo Kick Boxing/Thai Boxing Kiting (flying kites) Korfball Krav Maga Lacrosse Marathon (Arctic) Marathon (City/Street marathon) Martial Arts Model Flying Modern Pentathlon Netball Paintballing Paintballing (Motor Paintball) Petanque Pigeon Racing Polo (Equestrian) Polocrosse Pool Power Lifting Quoits Rackets/Raquetball Rifle Range Ringos Roller Blading Roller Derby Roller Hockey Rounders Rowing Rugby Rugby League Rugby Training (Full Contact) Rugby Training (Not Full Contact) Rugby Union Running (City/Street Marathon) Running (keep fit) Shinty Show Jumping Skateboarding Skateboarding Freestyle Skateboarding/Downhill/Competitive Skeleton Snooker Soccer (Football) Softball Speed Trials/Time Trials Squash Squash/Rackets Table Tennis Tae Kwon Do (Competing) Ten Pin Bowling Tennis Time Trials (Cycling) Touch Rugby Tough Mudder Tough Mudder (World's Toughest) Track Track Days (E.G. Nurburgring) Car Or M/Bike Trampolining (involving somersaults) Trampolining (Recreational) Trans Savoie Big Alpine Enduro Triathlon Tug-of-War Ultra marathon (Marathon des Sables, Jungle Marathon, Arctic Marathon, UTMB etc) Volleyball War Games/Paintballing Weightlifting Wrestling Yoga

Please select if you will be participating in amateur or professional events or competitions:

Your quote results will show policies that include coverage for the activities you have chosen, however, we cannot guarantee adequate coverage for your particular trip.

Please either call us or review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

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• Travel Insurance

Adventurous Sports Insurance

Throwing yourself onto a bike or into the sea be sure you're covered., do i need adventurous sports insurance.

There's a degree of risk to most sports, but particularly the adventurous ones.

Having the right cover in place before you go on holiday means you can try exciting and adventurous sports without worrying about what might happen if something goes wrong.

Admiral Travel Insurance covers a wide range of sports, but let’s take a look at which ones you’re covered for as standard and which you’ll need to pay a bit extra for.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

What's covered under standard travel insurance?

Many of the sports you might want to do on holiday are covered by our standard holiday insurance.

These activities don’t require an extra payment on top of your standard travel insurance – and you’ll be covered for personal accident and legal liability too:

Banana boating

Body/boogie boarding

Canoeing (up to grade two rivers)

Fishing Kayaking (up to grade two rivers)

Parasailing (over water)

River tubing

Sailboarding

Scuba diving up to 30m*

Sea kayaking

Snorkelling

Wake boarding

Windsurfing

Yachting (inside territorial waters)

Water skiing

White/black water rafting (up to grade four rivers)

*For unqualified scuba divers, the diving depth is limited to 30m. (See policy wording for more conditions around scuba diving cover).

Raquet ball

Table tennis

Tennis Volleyball

Beach games

Cycling (except for racing, BMX, mountain biking, and cycling on extreme terrain)

Fell walking

Hiking (up to 4,000m altitude)

Hot air ballooning

Ice skating

Orienteering

Paintballing

Pony trekking

Safari (guided)

Rollerblading/inline skating

Sand boarding

Skateboarding

Trekking (up to 4,000m altitude)

Paddle boarding

Jogging/Running (excluding marathons)

Pony trekking (any equine 58 inches or less at the wither)

Extreme sports travel insurance: how to get covered for hazardous activities

If you couldn’t see your chosen activity on the list above, don't panic. Adrenaline junkies out there can still try that once-in-a-lifetime bucket list activity – you’ll just need to pay a little extra to be covered.

When buying travel insurance through Admiral, you’ll get the option to add extra cover for a specific hazardous activity. Just select the sport or activity you’ll be taking part in and pay the extra cost to get cover.

Bear in mind all hazardous sports and activities on our list exclude cover for personal accident and legal liability:

Assault course

Bungee jumping (maximum three jumps)

Canoeing (rivers over grade 2)

Canyon swinging

Coasteering

Gorge walking

Horse riding

Kayaking (rivers over grade two)

Kite surfing (over land)

Sand yachting

Scuba diving to depths between 30m and 50m (requires qualification)

Sea canoeing

Shark diving

White/black water rafting (rivers over grade four)

Yachting (outside territorial waters)

Trekking (up to 4500m altitude)

Hiking (up to 4500m altitude)

Motorcycling over 125cc (Europe only)

Sky diving (max 3 jumps)

Paragliding

If you'd like to be insured for a sport that’s not listed, contact our team to find out if we can arrange cover for you.

What level of cover do I need?

Now you know what activities are covered as standard and which require an extra payment, you need to choose the right cover for your trip. We break travel down into three zones:

• Worldwide excluding USA, Canada, Caribbean and Mexico

See the full list of benefits  in the policy summary booklet .

Winter sports insurance: make sure you're covered

If you're taking to the slopes to go skiing or snowboarding, you'll need to add our  winter sports insurance  to your standard cover.

As well as covering you in case of accidents or injury on the slopes, winter sports insurance means you'll get compensation if your equipment is lost, stolen or damaged. It also covers you if your trip is affected by severe weather, like avalanches.

Without the upgrade, your trip won't be covered at all but adding it means you'll get all the standard protection included in our single trip and annual policies as well as cover for the sport you'll be taking part in.

Limitations and exclusions

As is always the case with insurance, there are certain limitations and exceptions that could invalidate your cover.

For Admiral's winter sports insurance, we don’t cover travellers over 75 years old for trips within Europe and over 70 years old for trips outside of Europe.

Reckless behaviour

You won't be covered if you're injured as a result of your own reckless behaviour. This includes:

• Deliberately injuring yourself
• Being under the influence of drugs, solvents or excessive amounts of alcohol
• Not following the safety precautions while taking part in an activity

For a full list of exceptions, see the General Exclusions section in our policy documents .

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913 .

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, single trip insurance, annual trip insurance.