Adventure Travel Insurance
Cover for 100+ activities. Ski, dive, climb, and explore with confidence. Protection designed for thrill-seekers and adventure travellers.
Adventure travel insurance — get a quoteActivities Covered by Adventure Insurance
Standard travel insurance excludes most adventure activities. Specialist policies cover the sports that matter to you.
⛷️Winter Sports
- ✓Skiing
- ✓Snowboarding
- ✓Off-piste skiing
- ✓Ice climbing
🏄Water Sports
- ✓Scuba diving
- ✓Surfing
- ✓White water rafting
- ✓Jet skiing
🪂Air Sports
- ✓Bungee jumping
- ✓Skydiving
- ✓Paragliding
- ✓Hot air ballooning
🏔️Trekking
- ✓High altitude trekking
- ✓Mountaineering
- ✓Glacier walking
- ✓Via ferrata
🏍️Motor Sports
- ✓Quad biking
- ✓Motorcycle tours
- ✓Go-karting
- ✓Track days
🧗Adrenaline
- ✓Rock climbing
- ✓Canyoning
- ✓Zip-lining
- ✓Mountain biking
Adventure-Specific Coverage
Adventure activities come with unique risks. Specialist policies address these specifically.
Equipment Damage
Cover for your expensive kit—skis, diving gear, bikes
Search & Rescue
Helicopter evacuation if you get stranded
Piste Closure
Compensation if snow conditions close your resort
Altitude Sickness
Medical cover for high-altitude emergencies
Protect Your Journey
Adventure activities like hiking, skiing, and diving may require specialised coverage.
Adventure travel insurance — get a quoteWe receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is not a recommendation to buy travel insurance.
Why Adventure Insurance Matters
Standard travel insurance has a long list of excluded activities—and most adventure sports are on it. That means if you injure yourself skiing, diving, or mountain biking, your policy won't pay out. Medical bills abroad can be catastrophic.
The Cost of Going Without
A helicopter rescue in the Alps can be extremely expensive. A diving accident requiring hyperbaric chamber treatment can cost tens of thousands. Without proper cover, you'd pay this out of pocket.
What Makes Adventure Policies Different
- ✓Activity-specific cover: Each sport is explicitly listed
- ✓Higher equipment limits: Your gear is worth protecting
- ✓Search & rescue: Includes helicopter evacuation
- ✓Altitude cover: For trekking above standard limits
- ✓Specialized medical: Hyperbaric chambers, avalanche trauma
Choosing the Right Level
Policies often tier activities by risk. Category A might include standard skiing and snorkeling. Category B adds paragliding and diving to 30m. Category C covers the extreme stuff—heli-skiing, BASE jumping, solo climbing. Choose based on what you actually plan to do.
Frequently Asked Questions
Why do I need specialist adventure insurance?
Standard travel insurance excludes most sports and activities—even skiing often requires an add-on. Adventure policies specifically cover activity-related injuries, equipment, and rescue costs that regular policies won't pay.
What activities are covered automatically?
This varies hugely between providers. Low-risk activities like snorkeling, cycling, or hiking at low altitude are often included. Anything more extreme—skiing, diving below 30m, bungee jumping—usually needs a specific policy or add-on.
Does skiing insurance cover off-piste?
Standard ski cover usually means on-piste only. Off-piste skiing, especially in unmarked areas or after avalanche warnings, requires enhanced cover. Heli-skiing and backcountry touring need specialist policies.
Am I covered if I'm competing?
Professional or competitive sports are typically excluded. Amateur competition may be covered on some policies. If you're racing, doing time trials, or competing for prizes, check the specific policy wording.
How do adventure policies differ in cost from standard travel insurance?
Adventure policies typically cost more than standard travel insurance depending on the activities covered. Policies tier activities by risk level—higher risk activities require more comprehensive coverage.
Is scuba diving covered on adventure policies?
Recreational diving to 18-30 metres is covered on most adventure policies. Technical diving, deep dives (40m+), wreck penetration, or solo diving typically require specialist dive insurance. PADI certification may be required.
What happens if I need mountain rescue or helicopter evacuation?
Good adventure policies include search and rescue cover. This covers helicopter evacuation, mountain rescue teams, and emergency repatriation. Without it, mountain rescue can be extremely expensive.
Does adventure insurance cover hired equipment?
Most policies cover damage to hired equipment like skis, dive gear, or bikes up to a limit. Check if there's an excess and whether you need to provide rental agreements as proof.
Related Insurance Options
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Protect your trip
Adventure activities like hiking, skiing, and diving may require specialised coverage.
- Medical emergency coverage
- Trip cancellation protection
- Lost luggage assistance
We receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is not a recommendation to buy travel insurance.
Our team includes adventure enthusiasts who understand the specific insurance needs of extreme sports and outdoor activities.