How to choose the right adventure travel policy
Step 1: List every activity you plan to do
Before you start comparing policies, write down all the activities you’re likely to take part in, even ones that seem low risk, like casual hiking or snorkelling. Insurers can be strict, so if it’s not listed, it may not be covered.
Step 2: Check each activity against the insurer’s activity list
Look for the insurer’s “sports and activities” section and make sure every activity on your list appears there. Some may be included as standard, while others might only be covered under a higher level of cover or as an extra add-on.
Step 3: Review exclusions and conditions carefully
For each activity, check for limits and conditions. If you don’t meet these conditions, your claim could be refused. For example:
There may be strict limits for an activity or sport to be covered, such as a maximum trekking altitude or a maximum diving depth.
Some activities may only be covered when carried out under the supervision of a qualified instructor.
You may need to hold a recognised qualification to take part in an activity (like scuba diving or rock climbing).
Certain activities may require specific safety measures (like wearing a helmet or protective gear).
Some activities may only be covered if you use approved equipment or hire gear from a recognised provider.
An activity might be covered if you do it occasionally, but not if it’s the main purpose of your trip.
Personal liability cover may be excluded for higher risk activities.
Step 4: Compare medical and evacuation limits
Adventure injuries can be expensive, especially outside the EU. Compare the level of emergency medical cover and medical evacuation/repatriation. Aim for higher limits if you’re travelling somewhere remote or to a country with high medical costs.
Step 5: Decide whether you need add‑ons
If some of your activities aren’t fully covered under the standard policy, look at optional add ons such as winter sports cover, scuba diving cover, or extreme sports cover. These can extend protection for higher risk activities that would otherwise be excluded.
Step 6: Compare prices, excesses, and value
Cheaper isn’t always better. Look at the policy excess (the amount you must pay upfront if you make a claim), the cover limits, and what’s actually included. A slightly higher premium with better medical and evacuation cover can offer far better value for an adventure trip.
Step 7: Read the full policy wording before you buy
Finally, take a few minutes to read the full policy document, not just the summary. Make sure you understand what is and isn’t covered. You should also keep a copy of the policy and emergency contact numbers with you when you travel.