{"id":13024,"date":"2026-04-10T18:35:59","date_gmt":"2026-04-10T10:35:59","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=13024"},"modified":"2026-08-26T21:13:42","modified_gmt":"2026-08-26T13:13:42","slug":"travel-insurance-extreme-sports-insurance","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/travel-insurance-extreme-sports-insurance.html","title":{"rendered":"Extreme Sports Insurance: Staying Safe While Adventuring"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">High-risk sports like scuba diving, skiing, or mountain biking are usually excluded from basic travel insurance plans, so to ensure you\u2019re protected, you\u2019ll need extreme sports insurance that specifically covers injuries and emergencies related to hazardous activities.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Looking to stay protected during your next thrill? In this article, we will cover how to compare providers and find <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/travel-insurance-and-short-term-health-insurance-for-expats\/\"><span style=\"font-weight: 400;\">travel insurance<\/span><\/a><span style=\"font-weight: 400;\"> for extreme sports. We\u2019ll also help you find a plan that works for your specific needs.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><b>What is Extreme Sports Travel Insurance?<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-29845 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/motocross-rider-speeding-through-a-dusty-track-in-grand-est-countryside.webp\" alt=\"Image of Motocross Rider Speeding Through A Dusty Track In Grand Est Countryside with text overlay of &quot;What is Extreme Sports Travel Insurance?&quot;\" width=\"1244\" height=\"700\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/motocross-rider-speeding-through-a-dusty-track-in-grand-est-countryside.webp 1244w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/motocross-rider-speeding-through-a-dusty-track-in-grand-est-countryside-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/motocross-rider-speeding-through-a-dusty-track-in-grand-est-countryside-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/motocross-rider-speeding-through-a-dusty-track-in-grand-est-countryside-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/motocross-rider-speeding-through-a-dusty-track-in-grand-est-countryside-150x84.webp 150w\" sizes=\"auto, (max-width: 1244px) 100vw, 1244px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Extreme sports insurance is an insurance benefit that <\/span><b>provides medical coverage for injuries or accidents that are the result of an adventurous sport performed while traveling<\/b><span style=\"font-weight: 400;\">. This benefit is often not included in a basic travel insurance plan and must be added on through a hazardous sports rider.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">An adventure sports benefit typically provides coverage for:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical evacuation, if necessary<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidental death and dismemberment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Repatriation<\/span><\/li>\n<\/ul>\n<h2><b>Key Factors to Consider Before Buying Adventure Sports Insurance<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Before buying adventure sports insurance, consider cost, coverage amounts, customizability, which activities you\u2019ll do, if more medical insurance is necessary, the location of these activities, and if your planned transportation is deemed risky.<\/span><\/p>\n<h3><b>1. How Much Does the Hazardous Sports Rider Cost?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">You\u2019ll need to consider just how much the hazardous sports rider costs and if there are different coverage levels for this rider at a higher price point. It is a delicate balance to dance between affordability and comprehensive coverage.\u00a0<\/span><\/p>\n<h3><b>2. What are the Coverage Amounts for Your Activities?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">It is worth comparing how much coverage is allotted to each activity when comparing multiple plans. Just because an activity is covered doesn\u2019t mean you can\u2019t find a higher monetary protection for the same activity somewhere else.<\/span><\/p>\n<h3><b>3. Is Your Extreme Sport Add-On Customizable?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">It is worth considering how customizable the extreme sports add-on is. The more flexible the plan, the better it may be for you.<\/span><\/p>\n<h3><b>4. What Activities Do You Expect to Do?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Which adventure activities do you expect to participate in on your trip? Having coverage for your planned activities is essential.<\/span><\/p>\n<h3><b>5. Do You Have Sufficient Coverage?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Even after getting coverage for an extreme sport, you need to decide if it is enough coverage. Sometimes getting an additional medical insurance add-on is also essential if you know your adventure-seekers will be pushing their limits.<\/span><\/p>\n<h3><b>6. What Sports are Covered in Your Destination?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Ensure that your extreme sport is covered in the destination you will be participating in that sport. It may seem obvious, but reading through your whole policy and knowing the benefit inclusions and exclusions can help you make sure you\u2019ll actually be covered.<\/span><\/p>\n<h3><b>7. Are Your Transportation Methods Considered Adventurous?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Some insurance policies will consider certain types of transportation risky and will exclude them from coverage. Mopeds and scooters, for example, may be excluded unless their exclusion is specifically waived by an extreme activity waiver. Be sure to double-check!<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><b>Top 12 Travel Insurance Providers for Extreme Sports<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The following sections introduce these top providers who offer extreme sports coverage in their travel insurance plans:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/img\/\"><span style=\"font-weight: 400;\">IMG<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/blue-cross-blue-shield-global-solutions\/\">Blue Cross Blue Shield Global Solutions<\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/april-international\/\"><span style=\"font-weight: 400;\">April International<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers\/vumi-health-insurance\/\"><span style=\"font-weight: 400;\">VUMI<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/msh-international-insurer\/\"><span style=\"font-weight: 400;\">MSH International<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Battleface<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travelex<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tin Leg<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">John Hancock<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">HTH Travel Insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seven Corners<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">World Nomads<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trawick International<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Atlas American and Atlas International<\/span><\/li>\n<\/ul>\n<h3><b>Pacific Prime\u2019s Recommended Extreme Sports Insurers<\/b><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/img\/\"><span style=\"font-weight: 400;\">IMG<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/blue-cross-blue-shield-global-solutions\/\"><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global Solutions<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/april-international\/\"><span style=\"font-weight: 400;\">April International<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers\/vumi-health-insurance\/\"><span style=\"font-weight: 400;\">VUMI<\/span><\/a><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/msh-international-insurer\/\"><span style=\"font-weight: 400;\">MSH International<\/span><\/a><span style=\"font-weight: 400;\"> are our five favorite hazardous sports providers, in no particular order. We can help you<\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\"> compare their plans<\/span><\/a><span style=\"font-weight: 400;\"> and negotiate your benefits to get the adventure sports rider you need.<\/span><\/p>\n<h4><b>1. IMG<\/b><\/h4>\n<p><a href=\"https:\/\/www.imglobal.com\/docs\/library\/forms-library\/patriotplatinum-brochure.pdf\"><span style=\"font-weight: 400;\">IMG\u2019s Patriot Travel Series plans<\/span><\/a><span style=\"font-weight: 400;\"> have an optional Adventure Sports Rider. This rider has a lifetime maximum benefit amount relative to your age that can be as high as USD $50,000. This rider can be added to both the Patriot Lite and Patriot Platinum plans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Depending on your age, you can receive the following lifetime maximum benefit:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Age 1\u201349<\/b><span style=\"font-weight: 400;\">: USD $50,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Age 50\u201359<\/b><span style=\"font-weight: 400;\">: USD $30,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Age 60\u201364<\/b><span style=\"font-weight: 400;\">: USD $15,000<\/span><\/li>\n<\/ul>\n<h4><strong>2. Blue Cross Blue Shield Global Solutions<\/strong><\/h4>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/blue-cross-blue-shield-global-solutions\/\"><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global Solutions\u2019<\/span><\/a> <b>Xplorer Premier plan<\/b><span style=\"font-weight: 400;\"> has <\/span><b>unlimited coverage<\/b><span style=\"font-weight: 400;\"> for adventure sports. For less coverage, consider GeoBlue\u2019s <\/span><b>Single Trip Voyager Choice<\/b><span style=\"font-weight: 400;\"> or <\/span><b>Annual Multi Trip Trekker Choice<\/b><span style=\"font-weight: 400;\"> plans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Both of these include a maximum benefit of up to USD $25,000 for claims resulting from downhill skiing and scuba diving at a depth of 20 meters or less.<\/span><\/p>\n<h4><b>3. April International<\/b><\/h4>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/april-international\/\"><span style=\"font-weight: 400;\">April International<\/span><\/a><span style=\"font-weight: 400;\"> offers Sport and Leisure Benefits in their<\/span><b> Premium Travel and Holiday Insurance<\/b><span style=\"font-weight: 400;\"> plan for skiing, scuba diving, and more. This covers sport and leisure equipment, search and rescue expenses, hyperbaric chamber costs, and more.<\/span><\/p>\n<h4><b>4. VUMI<\/b><\/h4>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers\/vumi-health-insurance\/\"><span style=\"font-weight: 400;\">VUMI<\/span><\/a><span style=\"font-weight: 400;\"> offers coverage for the treatment of injuries received during the training or practicing of hazardous hobbies and\/or non-professional sports. This benefit has 100% UCR coverage in the following plans: <\/span><b>Direct VIP<\/b><span style=\"font-weight: 400;\">, <\/span><b>Access VIP<\/b><span style=\"font-weight: 400;\">, and <\/span><b>Absolute VIP<\/b><span style=\"font-weight: 400;\"> plans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For VUMI\u2019s <\/span><b>Optimum VIP<\/b><span style=\"font-weight: 400;\"> plan, the benefit includes USD $100,000 per lifetime for polytrauma or severe burns.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">UCR stands for payment that is usual, customary, and reasonable in the region where treatment is given.<\/span><\/i><\/p>\n<h4><b>5. MSH International<\/b><\/h4>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/msh-international-insurer\/\"><span style=\"font-weight: 400;\">MSH International<\/span><\/a><span style=\"font-weight: 400;\"> provides <\/span><b>Special Risk Insurance<\/b><span style=\"font-weight: 400;\"> that covers extreme sports and activities in high-, medium-, and low-risk locations.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-79' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner International - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Recommended International Health Insurance Plans\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\"\n            alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n<\/span><\/p>\n<h3><b>Seven More Travel Insurers Offering Adventure Coverage<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Now we will discuss seven additional providers who also offer extreme sports coverage.<\/span><\/p>\n<h4><b>Battleface<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The<\/span><a href=\"https:\/\/www.battleface.com\/en-us\/benefits\/#:~:text=Travel%20Medical%20Expense,for%20Adventure%20Activities\"><span style=\"font-weight: 400;\"> Single Trip Discovery plan by Battleface<\/span><\/a><span style=\"font-weight: 400;\"> includes coverage for Adventure Activities <\/span><b>up to USD $100,000<\/b><span style=\"font-weight: 400;\"> for medical emergency costs (USD $50,000 for residents of NH). A USD $50 deductible applies. This covers skiing, scuba diving, and hiking activities.<\/span><\/p>\n<h4><b>Travelex<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The<\/span><a href=\"https:\/\/www.travelexinsurance.com\/travel-insurance\/plans\/travel-select\"><span style=\"font-weight: 400;\"> Travel Select<\/span><\/a><span style=\"font-weight: 400;\"> plan by Travelex has an<\/span><a href=\"https:\/\/www.travelexinsurance.com\/travel-insurance\/upgrades\/adventure-sports\"><span style=\"font-weight: 400;\"> Adventure Sports Upgrade<\/span><\/a><span style=\"font-weight: 400;\"> and an<\/span><a href=\"https:\/\/www.travelexinsurance.com\/travel-insurance\/upgrades\/medical-coverage\"><span style=\"font-weight: 400;\"> Additional Medical Coverage Upgrade<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h4><b>Tin Leg<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Tin Leg has an <\/span><b>Adventure <\/b><span style=\"font-weight: 400;\">plan with its most comprehensive adventure sports coverage. It includes USD $500 of sports equipment delay coverage per person, sports fees covered in cancellation and interruption benefits, lost sports equipment, and basic sports and activities medical protection.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tin Leg also has varying levels of extreme sports coverage in their Standard, Luxury, Silver, and Gold plans.<\/span><\/p>\n<h4><b>Seven Corners<\/b><\/h4>\n<p><a href=\"https:\/\/www.sevencorners.com\/plans\/travel-medical-insurance\/including-usa#faqs:~:text=Seven%20Corners%20Travel%20Medical%20Basic,Seven%20Corners%20Travel%20Medical%20Choice\"><span style=\"font-weight: 400;\">Seven Corners\u2019 Travel Medical Basic plan<\/span><\/a><span style=\"font-weight: 400;\"> and Travel Medical Choice plan have an optional <\/span><b>Adventure Activities add-on<\/b><span style=\"font-weight: 400;\"> that offers coverage on sports such as bungee jumping, caving, and hang gliding up to the medical maximum for the travel insurance plan.<\/span><\/p>\n<h4><b>World Nomads<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">The Standard and Explorer plans by World Nomads cover<\/span><a href=\"https:\/\/www.worldnomads.com\/row\/travel-insurance#:~:text=We%20cover%20200%2B%20Adventure%20Activities%20you%20love%20%2B%20more\"><span style=\"font-weight: 400;\"> over 200 adventure activities<\/span><\/a><span style=\"font-weight: 400;\">, including scuba diving, mountain biking, surfing, bungee jumping, and skiing. Benefits include protection for your sports gear up to USD $3,500 in the Explorer plan and USD $2,500 in the Standard plan.<\/span><\/p>\n<h4><b>Trawick International<\/b><\/h4>\n<p><a href=\"https:\/\/www.trawickinternational.com\/products\/safetreker\/\"><span style=\"font-weight: 400;\">Trawick International\u2019s SafeTreker<\/span><\/a><span style=\"font-weight: 400;\"> plan has coverage for 450+ sports and activities and includes sports equipment rental, search and rescue, and non-medical evacuation. It also has an option for Extreme Sport riders with up to USD $25,000 trip-only excess maximum for listed sports.<\/span><\/p>\n<h4><b>Atlas America and Atlas International<\/b><\/h4>\n<p><a href=\"https:\/\/www.atlasamericainsurance.net\/#:~:text=Atlas%20visitors%20insurance%20plans%20are,of%20pregnancy%2C%20and%20much%20more.\"><span style=\"font-weight: 400;\">Atlas America\u2019s<\/span><\/a><span style=\"font-weight: 400;\"> travel medical insurance plan automatically covers adventure sports activities as long as the activity is not performed for professional gain, money, or prize.<\/span><\/p>\n<h2><b>Popular Extreme Sports That Require Insurance<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-29847 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/snowboarder-performs-an-indy-grab-mid-air-above-alpine-cliffs-in-montgenevre.webp\" alt=\"Image of Snowboarder Performs An Indy Grab Mid-air Above Alpine Cliffs In Montgen\u00e8vre with text overlay of &quot;Popular Extreme Sports That Require Insurance&quot;\" width=\"1244\" height=\"700\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/snowboarder-performs-an-indy-grab-mid-air-above-alpine-cliffs-in-montgenevre.webp 1244w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/snowboarder-performs-an-indy-grab-mid-air-above-alpine-cliffs-in-montgenevre-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/snowboarder-performs-an-indy-grab-mid-air-above-alpine-cliffs-in-montgenevre-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/snowboarder-performs-an-indy-grab-mid-air-above-alpine-cliffs-in-montgenevre-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/snowboarder-performs-an-indy-grab-mid-air-above-alpine-cliffs-in-montgenevre-150x84.webp 150w\" sizes=\"auto, (max-width: 1244px) 100vw, 1244px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Some of the most popular sports and activities that demand coverage include motocross, rock climbing, skiing and snowboarding, bungee jumping, and spelunking. Due to their high risk of causing injury, these activities are typically not covered by travel insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is a list of some of the most popular sports that need hazardous sports coverage while traveling:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Motocross<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paragliding and kitesurfing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rock climbing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mountain biking<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Skydiving<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trekking<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Surfing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Skiing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Snowboarding<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bungee jumping<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hang gliding<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kayaking<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Motorcycle, motor scooter, and electric scooter riding<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Parachuting<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Snowmobiling<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Spelunking<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wakeboarding<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water skiing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Windsurfing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ziplining<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><b>What Does a Travel Medical Insurance Plan Typically Cover?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A travel medical insurance plan is designed to cover emergency medical expenses while traveling. The emphasis is usually on medical fee protection, which is different from a travel insurance plan that is focused on travel expenses, such as canceled trips and lost baggage.<\/span><\/p>\n<h2><b>Frequently Asked Questions<\/b><\/h2>\n<h3><b>Does travel insurance cover extreme sports?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Most travel insurance plans exclude coverage for extreme sports, such as scuba diving, skiing, surfing, and mountain biking. If you plan to participate in a hazardous activity while traveling, getting a plan with an adventure sports rider that includes coverage for your activity is essential.<\/span><\/p>\n<h3><b>Is extreme sports insurance different from travel insurance?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Extreme sports insurance is not a stand-alone plan; instead, it is one benefit that can be included in or added to a travel insurance plan. Many travel insurance plans have exclusions for extreme sports, however, so you\u2019ll need to carefully select a provider and plan that offers sports coverage.<\/span><\/p>\n<h3><b>What types of activities need adventure sports coverage?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Some activities that need adventure sports coverage because they are excluded from most travel medical benefits are motocross, paragliding and kitesurfing, rock climbing, mountain biking, skydiving, trekking, surfing, skiing, snowboarding, bungee jumping, caving, and hang gliding.<\/span><\/p>\n<h3><b>What is the definition of an extreme sport?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">An extreme sport is one where you are at risk of losing a life or limb if it goes wrong, even for the most skilled participant. Extreme sports require additional medical insurance coverage for travelers.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">When traveling, it is easy to get swept up and try new activities such as diving, skiing, or even spelunking. You might think that your travel insurance will have you covered if you get injured during these activities, but the truth is you most likely won\u2019t unless you have extreme sports coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is important for travelers to be prepared when planning their next adventure. If you are unsure whether you will participate in these activities, it is always safer to have extreme sports covered in your travel insurance plan so you can have peace of mind knowing you will still be insured.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are looking to secure a <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/travel-insurance-and-short-term-health-insurance-for-expats\/\"><span style=\"font-weight: 400;\">travel insurance plan<\/span><\/a><span style=\"font-weight: 400;\">, Pacific Prime can help you. With over two decades of expertise in finding the <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/\"><span style=\"font-weight: 400;\">best insurance plans <\/span><\/a><span style=\"font-weight: 400;\">to suit our client\u2019s unique needs and budget, our insurance experts will be able to find you the perfect travel insurance for your travels.<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Get in touch<\/span><\/a><span style=\"font-weight: 400;\"> with one of our expert advisors today to get insured for your next big adventure.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you found value in this article, you\u2019ll also want to read our articles <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/health-insurance-in-australia.html\"><span style=\"font-weight: 400;\">Health Insurance in Australia: Navigating the System<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-in-germany.html\"><span style=\"font-weight: 400;\">Expat Insurance in Germany: Coverage for Expatriates<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>High-risk sports like scuba diving, skiing, or mountain biking are usually excluded from basic travel insurance plans, so to ensure you\u2019re protected, you\u2019ll need extreme sports insurance that specifically covers injuries and emergencies related to hazardous activities. Looking to stay protected during your next thrill? In this article, we will cover how to compare providers &#8230;<\/p>\n","protected":false},"author":71,"featured_media":29844,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"footnotes":""},"categories":[217,208],"tags":[],"class_list":["post-13024","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-travel-2"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Extreme Sports Insurance: Staying Safe While Adventuring<\/title>\n<meta name=\"description\" content=\"Compare top extreme sports insurance plans and learn about key factors for hazardous activity coverage. 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