It is very common that we have customers who want to take part in adventure sports either as an unorganized activity just for the thrill of it, or as an organized event. People travel from different parts of the world to participate in these activities. Whether it is a sports activity for fun and thrill or an organized event, the most important issue to be highlighted is the need for travel insurance with sports coverage.
There are many organized sports that are held across the globe. Sometimes a number of.
Atlas Travel Insurance plans includes coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports skiing and snowboarding (recreational downhill and/or cross country), snorkeling, water skiing, and others at no additional cost. Certain extreme sports are excluded from coverage.
Below listed providers plans covers Sports Coverage as Optional benefit.The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Patriot America Plus , Patriot America Lite, Patriot Platinum America , Patriot International Lite, Patriot Platinum International and iTravelInsured Travel Sport from IMG covers Optional Adventure sports Rider.
Adventure Activities : This plans covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing. These sports available up to 65 years.
Travel Medical Basic, Travel Medical Choice, Travel Medical Global Basic and Travel Medical Global Choice plans covers adventure sports up to policy maximum.
Adventure Activities : Bungee jumping; caving; hang gliding; hot air ballooning as a passenger; jet skiing; kayaking, excluding white water; motorcycle up to 250cc or motor scooter riding whether as a passenger or a driver; Micromobility Vehicle(s); non-hunting safaris, including boat safaris, bush walking, camping or lodging, game drives, horseback or camel safaris, night safaris, or walking safaris; Parachuting; paragliding; parasailing; scuba diving only to a depth of thirty (30) meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; Sky Diving in tandem with an instructor; snowmobiling; spelunking; surfing, bodyboarding, or wakeboard riding waves up to two (2) feet high as forecasted by the National Weather Service or similar government entity; water skiing; windsurfing; or zip lining.
You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, Micromobility Vehicle, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where You are located in the Destination Country.
Safe Travels USA, Safe Travels USA Comprehensive and Safe Travels International plans covers Opional sports activity coverage .
Adventure Activities :Covers up to $50,000 - provides coverage while performing, practicing, or participating listed Sports only. Collision and Extreme Sports are excluded.
If coverage is purchased for Class 1: this benefit provides coverage to the Covered Person while performing, practicing, or participating in archery, tennis, swimming, cross country, track, volleyball, and golf.
If coverage is purchased for Class 2: includes following sports, ballet, baseball, basketball, cheerleading, equestrian, fencing, field hockey, football (except division 1), gymnastics, hockey (no league play), karate, lacrosse, polo, rowing, rugby, soccer, and softball.
Any Sport Activity not expressly covered hereunder is excluded from this Policy unless the activity is noncontact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.
Intermedical and WorldMed plans covers hazardous activities rider at optional coverage.
Gives you the option of purchasing additional protection to cover your adventures. Medical expenses related to hazardous activities can be covered for an additional 20% of your total premium.
The following items will become covered with the purchase of the Hazardous Activities rider:
Diplomat America and Diplomat Long term plans provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities.
For the below listed activities apply the 1.25 factor to the base premium: BMX; Bobsledding; Bungee Jumping;Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate ; Motor Scooter; Motorcycling;Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving ; Snow Skiing ; Snowboarding; Snowmobiling; Spelunking/Caving; Surfing ; Trekking ; Wakeboarding; Water skiing; Whitewater Rafting ; Wind Surfing; Zip Lining.
For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:
For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, apply the 1.25 factor to the base premium plus the monthly flat rate listed:
The cost of travel insurance with adventure sports coverage in the USA typically ranges from $54 to $127 per month. The exact cost can vary depending on several factors, including the traveler’s age, the selected medical maximum coverage, and the plan’s deductible.
For example, the prices listed based on quotes for one month with a $50,000 medical maximum and a $250 deductible.
| Plan name | Below 18 years | Below 18-29 years | Below 30-39 years | Adventure sports |
|---|---|---|---|---|
| Patriot America Plus | $54 | $54 | $68 | List of sportsopen_in_new |
| Patriot America Lite | $51 | $51 | $63 | List of sportsopen_in_new |
| Atlas America | $85 | $87 | $113 | Includedopen_in_new |
| Safe Travels USA | $76 | $76 | $94 | List of sportsopen_in_new |
| Safe Travels USA Comprehensive | $84 | $84 | $105 | List of sportsopen_in_new |
| Travel Medical Choice | $152 | $107 | $115 | List of sportsopen_in_new |
| Diplomat America | $98 | $102 | $127 | List of sportsopen_in_new |
Source: American Visitor Insurance®
The cost of travel insurance with adventure sports coverage in outside USA typically ranges from $46 to $75 per month. The exact cost can vary depending on several factors, including the traveler’s age, the selected medical maximum coverage, and the plan’s deductible.
For example, the prices listed based on quotes for one month with a $50,000 medical maximum and a $250 deductible.
| Plan Name | Below 18 years | Below 18-29 years | Below 30-39 years | Adventure sports |
|---|---|---|---|---|
| Patriot International Lite | $46 | $33 | $38 | Covered sportsopen_in_new |
| Atlas International | $26 | $27 | $32 | Includedopen_in_new |
| Safe Travels International | $67 | $67 | $98 | Covered sportsopen_in_new |
| Travel Medical Global Choice | $39 | $43 | $54 | Covered sportsopen_in_new |
| Diplomat International | $56 | $68 | $75 | Covered sportsopen_in_new |
Source: American Visitor Insurance®
I am visiting the USA and looking for comprehensive visitor insurance that also offers coverage for hazardous sports activities. Which travel insurance plan is recommended?
commentDeviThank you for contacting American Visitor Insurance with your inquiry!
Below is an excellent comprehensive plan called Visit USA from Travel Insurance Services. This plan does not have any restrictions with any state in US. This plan works as a visitor plan for Non US Citizens and visitors. This plan has an optional benefit of covering hazardous sports activity which makes it an excellent option for customers interested in hazardous sports.
Note that for the BUDGET Plan A has a maximum of $50,000 for persons up to 79 years or $20,000 if over 79 years and plan B offers a policy maximum of $150,000 for persons up to 69 years of age.
This plan will cost you about $256 with a $500,000 maximum and a $250 deductible for 92 days of coverage.
for the STANDARD Plan A has a maximum of $75,000 and plan B has a maximum of $200,000 the Superior plan only has a maximum of $250,000 (so no A or B options)
I am recommending the Standard plan which is comprehensive and will cost about $148/month for your visitors with a $75,000 maximum and a $250 deductible.
You can compare the plans easily here:In the above link, scroll to the bottom to see the "Hazardous Sports" option and by clicking on that you can view all the supported activities.
Below are the links for the plan details and company brochure which enlists all the available benefits of the plan:
Visit USA health insurancePlease let us know if you need further information or in case of any questions
Regards,Standard visitors insurance plans typically exclude high-risk activities like mountain climbing, rock climbing, and extreme sports. If you're planning adventure activities, you'll need a plan that specifically includes hazardous sports coverage or an adventure sports rider. The right plan depends on the altitude, type of climb, and destination for example, trekking in the Himalayas carries very different risk and coverage requirements than hiking in the Alps.
For visitors coming to the U.S., Visit USA Insurance and Diplomat America Insurance plans are a popular choice. It covers recreational mountaineering and rock climbing up to certain altitude limits and includes up to $1,000,000 in emergency evacuation, which can be crucial if something goes wrong in a remote area.
If you are traveling internationally, the Patriot International Lite and Diplomat International plans are worth considering. It offers an Adventure Sports Rider that covers hiking, climbing, and mountaineering within defined altitude limits. You can purchase it for trips as short as 5 days, making it flexible for shorter climbs.
Adventure sports travel insurance is a specialized plan that covers injuries, accidents, and emergencies that occur while participating in high-risk or adventure activities like skiing, scuba diving, or trekking.
No, most standard travel insurance plans do not cover high-risk or extreme sports unless you add a specific adventure sports rider or choose a specialized plan.
Yes, in most cases adventure or extreme sports coverage is offered as an add-on or rider, not included by default in basic plans.
Adventure activities involve higher risk, and without proper coverage, you may face high medical and evacuation costs in case of injury or emergency.
Many modern plans include coverage for illnesses like COVID-19, but this depends on the insurer and policy terms.
Yes, most plans include emergency medical evacuation, especially for remote or high-risk locations where immediate care is not available.
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