Travel Insurance for Adventure Activities: What to Check

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Many trips include activities such as hiking, kayaking, snorkeling, surfing or helicopter tours. Some travel insurance plans treat these activities differently, so check the policy before you go.

Questions to ask

Is the activity covered, covered with an add-on, or excluded?
Are there conditions, such as using a licensed operator, wearing safety equipment or following instructions?
Does the plan cover emergency medical care and transport if you are injured during the activity?
Are there limits on altitude, depth or skill level?

Common things policies mention

Water activities, hiking and winter sports may be listed as standard, optional or excluded
Alcohol use before or during an activity can affect coverage under some policies
Professional or competitive sports often have separate rules

Tips

Choose a reputable operator and follow all safety rules
Tell the insurer about your planned activities when you buy
Keep proof of your booking and any waivers you sign