Hazardous sports travel insurance, action sports travel insurance, accident insurance for extreme sports , america sports motocross, International travel insurance for hazardous sports

Why Is International Travel Insurance Important for Hazardous Sports?

Motocross started in 1972 in the United States of America as a thrilling, new racing experience.
Uses motorcycles and revamped Motorcross Insurance for visitors dirt bikes on tracks with steep gradients, sharp turns, sudden corners, bumps, and natural terrain.
Motocross Insurance for visitors became necessary as the sport grew in the US.
Edison Dye, the “Father of American Motocross”, brought the sport from Europe in the 1960’s.
American audiences found it very appealing, experiencing talented European racers for the first time.
The word Motocross comes from French: motorcyclette + cross country – Motocross.
Motocross racing is today a very popular sporting activity, but considered a hazardous adventure sporting activity.
At American Visitor Insurance, travelers from Australia, Canada European countries, and the UK are most interested in this sport.

⚠️ Why hazardous sport insurance is necessary

adventure sports insurance or hazardous sport insurance is needed due to high accident risk.
Insurance coverage for unexpected injury is the major requirement.
Getting adequate cover becomes vital due to expensive US healthcare.
Not all insurance companies cover this sport since it is riskier than other adventurous sports.
It is important to understand the fine print and confirm exact motocross coverage conditions.
Unfortunately at the present moment, there are no plans which cover motocross sports.
We will update this page if any plan is available for Motocross Insurance.

💰 How Much Does Travel Insurance for Hazardous Sports Cost?

The Hazardous Sports Insurance Cost for 15 days starts at just $30, including coverage in the USA.

Price depends on age, plan maximum, and deductible.
Higher limits = higher premiums.
Higher deductible = lower premiums.

Example: 15-day coverage with a $250 deductible and 50,000 policy maximum (including USA coverage).

Plan Name	Cost of 20 years	Cost of 30 years	Cost of 40 years
Diplomat America	$30	$40	$61
Atlas America	$24	$29	$38
Patriot America Lite	$19	$26	$38
Patriot America plus	$21	$27	$38
Safe Travels USA	$21	$28	$41
Safe Travels USA Comprehensive	$24	$33	$44
Travel medical Basic	$36	$36	$39

The cost of hazardous sports insurance for 15 days starts at just $23 with a $250 deductible and 50,000 coverage, excluding USA.

Plan Name	Cost of 20 years	Cost of 30 years	Cost of 40 years
Intermedical Insurance	$23	$26	$35
Worldmed Outbound	$25	$30	$41
Diplomat International	$24	$28	$44
Atlas International	$13	$16	$26
Patriot International Lite	$14	$16	$27
Safe Travels International	$25	$30	$52
Travel Medical Excluding USA Basic	$14	$17	$27

Source: American Visitor Insurance

What Is the Best Trip Cancellation Insurance for Adventure Sports?

iTravelInsured Sport Insurance

Ideal for first-class travelers participating in adventure sports during their vacations.
Covers adventure sports, hazardous sports, extreme sports and organized sports (Intramural and Interscholastic sports).
Travelers can choose trip cost up to $100,000.
Accident and Sickness medical expense covered up to $250,000.
Maximum trip length is 90 days.
Pre-existing condition waiver is available if purchased within 21 days of initial trip payment.
Sports equipment rental coverage up to $5,000 per person.

cancel
Trip Cancellation
Up to 100% of Insured Trip Cost
airplanemode_inactive
Trip Interruption
Up to 125% of Insured Trip Cost
work_history
Trip delay
$250 ($5,000 max per person)
security
Search & Rescue
$50,000 per person
medical_services
Medical Evacuation
Up to $1,000,000 per person

What Is a Hazardous Sport?

A hazardous sport refers to an activity that involves a higher-than-usual risk of injury or danger due to its physical or environmental challenges. These sports often require specialized skills, training, and safety precautions.

Examples of Hazardous Sports:

Adventure Sports: Skydiving, paragliding, bungee jumping.
Water Sports: Scuba diving (especially at greater depths), white-water rafting, jet skiing.
Mountain Activities: Rock climbing, mountaineering, skiing, snowboarding
Motor Sports: Car racing, motocross, or ATV riding.
Extreme Sports: Skateboarding, extreme mountain biking.
Combat Sports: Martial arts, boxing.
Other Activities: Hunting, zip-lining, and cave diving.

Why Should I Buy Hazardous Sports Insurance?

Hazardous sports insurance reviews often require specialized travel or health insurance to cover potential accidents or injuries. Standard insurance policies may exclude coverage for such activities, so travelers or participants should verify their policy details or purchase additional coverage if needed.

What Does Hazardous Sports Travel Insurance Cover?

Hazardous sports travel insurance typically covers medical expenses, emergency evacuation, and accidental death or disability resulting from participation in extreme or adventure sports. It may also include trip interruption or cancellation benefits related to sports activities.

🏆 What Is the Best Travel Insurance for Adventure Sports?

For visitors to the USA

Diplomat America

Plan details | Brochure | Buy online

Coverage for non-US residents visiting the USA, including Athletic Sports & Hazardous Activities

Rating: AM Best Rating: "A" (Excellent) Underwriter: Underwritten by Crum & Forster, SPC

US Citizens traveling outside USA are eligible for coverage.
Coinsurance: After deductible, plan pays 80% of eligible costs up to $5,000, then 100% up to the medical maximum
Acute onset of pre-existing condition: Up to policy maximum for those up to age 69
Emergency medical evacuation: Up to $250,000
Renewable: Cannot be renewed
Repatriation of Remains: Up to $50,000

Policy maximum^?
$50,000, $100,000, $250,000, $500,000, $1,000,000
Deductible options^?
$0, $50, $100, $250, $500, $1,000, $2,500, $5,000
Period of coverage^?
15 days to 365 days

Diplomat Long Term

Plan details | Brochure | Buy online

Coverage for non-US residents visiting the USA, including Athletic Sports & Hazardous Activities

Rating: AM Rating: A(Excellent) Underwriter: Underwritten by Crum & Forster, SPC

US Citizens traveling outside USA are eligible for coverage.
Coinsurance: After deductible, plan pays 80% of eligible costs up to $5,000, then 100% up to the medical maximum
Acute onset of pre-existing condition: Up to policy maximum for those under age 70
Emergency medical evacuation: Up to $250,000
Renewable: Can be renewed and extended up to 36 months
Repatriation of Remains: Up to $50,000

Policy maximum^?
$500,000 $1,000,000
Deductible options^?
$0, $50, $100, $250, $500, $1,000, $2,500, $5,000
Period of coverage^?
Minimum 90 days to 364 days

For Travelers Outside the USA

Diplomat International

Plan details | Brochure | Buy online

Coverage for US residents traveling inside or outside the USA, including Optional coverage for adventure sports and other sports activities

Rating: AM Best Rating: "A" (Excellent) Underwriter: Underwritten by Crum & Forster, SPC

Optional riders are available for Adventure Sports, Extreme Sports, Bodily Contact Sports, and Interscholastic/Organized Sports, each with coverage up to $25,000.
Acute onset of pre-existing condition: Up to $10,000
Emergency medical evacuation: Up to $500,000
Renewable: Cannot be renewed
Repatriation of Remains: Up to $50,000

Policy maximum^?
$50,000, $100,000, $250,000, $500,000
Deductible options^?
$0, $50, $100, $250, $500, $1,000, $2,500
Period of coverage^?
5 days to 180 days

Optional Athletic Sports & Hazardous Activity Benefit by Global Underwriters

Provides coverage if your injury or illness results from the below enumerated Athletic Sports & Hazardous activities.

Important Note:

cancelNot available for those age 80 or older
warningExclusions: Any activity not listed is excluded unless:

Approved by the company before purchase, or
It’s non-contact and done only for leisure, recreation, entertainment, or fitness

For the below listed activities apply the 1.25 factor to the base premium:

Low Option

BMX; Bobsledding; Bungee Jumping; Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate (Non-competitive); Motor Scooter; Motorcycling; Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving (Not to exceed 30 feet, Resort Course or equivalent required); Snow Skiing (Recreational); Snowboarding(Recreational); Snowmobiling; Spelunking/Caving; Surfing (Recreational); Trekking (Not exceeding Class IV Difficulty on Yosemite Decimal System); Wakeboarding; Water skiing; Whitewater Rafting (Class I through V rapids); Wind Surfing; Zip Lining.

For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:

Middle Option

Aerial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning (As a pilot); Mountain Climbing (14,000 ft. & below - Ropes & proper safety equipment required); Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing (Ropes & proper safety equipment required); Scuba Diving (Below 30 feet, PADI/NAUI Certification required, or insured must be accompanied by a certified diving instructor); Skydiving; Snow Skiing Off-Piste.

High Option

Big Game Hunting (Use of Firearms); Diving with Sharks; Mountain Climbing (14,000 ft. & above - Ropes, proper safety equipment & certified guide required); Running with the Bulls; Security Detail (use of firearms).

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

Under this enhancement, the benefit is reduced to $20,000 for any covered injury or illness resulting from:

Coverage level	Add-on cost (flat monthly rate)	Sports covered
Low Option	$12.00	Ballet, Baseball, Cheerleading, Cross Country, Diving, Equestrian, Fencing, Field Hockey, Golf, Horse Polo, Water Polo, Rowing, Softball, Surfing, Swimming, Tennis, Track & Field, Volleyball
Middle Option	$26.00	Basketball, Competitive Cycling (Road, Track, CX), Ice Hockey, Inline Skating (with helmet/proper gear), Lacrosse, Martial Arts/Karate, Modern Pentathlon, Skiing (Slalom, Giant Slalom, Downhill), Ski Jumping and Wrestling
High Option	$80.00	Football (No Division I), Gymnastics, Rugby (No Division I) and Soccer

Visit USA HealthCare Superior

Plan details | Brochure | Buy online

Designed for people traveling to the U.S, including Intercollegiate/Interscholastic Sports Coverage, Hazardous Activities Rider
Rating: "A" (Excellent) Underwriter: Lloyd's of London

Coinsurance: In-network: After deductible, plan pays 100%
Out-of-network: Usual, reasonable and customary charges

Direct Billing: Unitedhealthcare or First HealthCare

Acute onset of pre-existing condition: Up to $25,000 and reduced to $2,500 for ages 65+

Emergency medical evacuation: Up to $500,000

Renewable: Can be renewed and extended up to 364 days

Repatriation of Remains: Up to overall maximum limit
Policy maximum^?
$100,000, $250,000

Deductible options^?
$0, $250, $500, or $1,000

Period of coverage^?
364 days
Intercollegiate/Interscholastic/Organized Amateur Sports
Covers recreational sports only. For those planning to participate in intercollegiate, interscholastic, or organized amateur sports, a coverage rider is available for $1.25 per day.

Hazardous Activities
For travelers participating in hazardous activities can add a rider for an extra 20% of the total premium, but it covers medical expenses only under this benefit. Click here for the list of hazardous activities.

The following Hazardous Activities are covered with the purchase of the rider:

American Football

Big Game Hunting or Safari

Bungee Jumping, Hang-Gliding, Kite-Surfing

Mountaineering (at elevations below 4,500 meters)

Parachuting, Paragliding

Powerlifting

Running with the Bulls

Sky Surfing

Recreational Downhill and/or Cross Country Snow Skiing and Snowboarding (no cover provided while skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body)

Spelunking

Sub Aqua Pursuits involving underwater breathing apparatus (accompanied by a certified instructor at depths less than 10 meters, or PADI/NAUI certified)

Surfing, Waterskiing, Whitewater Rafting
Intermedical

Plan details | Brochure | Buy online

Designed for international travelers, including an Intercollegiate/Interscholastic Sports and Hazardous Activites Rider
Rating: "A" (Excellent) Underwriter: Lloyd's of London

Coinsurance: In-network: After deductible, plan pays 100%
Out-of-network: Usual, reasonable and customary charges

Direct Billing: Unitedhealthcare or First HealthCare

Acute onset of pre-existing condition: Up to age 80 and older

Emergency medical evacuation: Up to $500,000

Renewable: Cannot be renewed

Repatriation of Remains: Up to $50,000
Policy maximum^?
$50,000, $100,000, $150,000

Deductible options^?
$0, $250, $500, or $1,000

Period of coverage^?
5 days to 364 days
Intercollegiate/Interscholastic/Organized Amateur Sports
Provides an additional $50,000 coverage for those participating in intercollegiate or interscholastic sports. This rider is available for just an additional $2.00 per person per day.
WorldMed

Plan details | Brochure | Buy online

Designed for international travelers, including an Intercollegiate/Interscholastic Sports and Hazardous Activites Rider
Rating: AM Best Rating: "A" (Excellent) Underwriter: Lloyd's of London

Coinsurance: In-network: After deductible, plan pays 100%
Out-of-network: Usual, reasonable and customary charges

Direct Billing: Unitedhealthcare or First HealthCare

Acute onset of pre-existing condition: Up to $200,000 for under age 60, and $20,000 for ages 60–64.

Emergency medical evacuation: Up to $500,000

Renewable: Cannot be renewed

Repatriation of Remains: Up to $50,000
Policy maximum^?
$50,000, $100,000, $150,000

Deductible options^?
$0, $250, $500, or $1,000

Period of coverage^?
5 days to 364 days
Intercollegiate/Interscholastic Sports:
An Intercollegiate/Interscholastic Sports Rider is available for travelers participating in such sports, at an additional cost of $1.25 per person per day.
Hazardous Activities Covered with Rider (Intermedical & WorldMed Plans)

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 traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
- American Football
- Big Game Hunting or Safari, Bungee Jumping, Hang-Gliding
- Kite-Surfing
- Mountaineering
- Parachuting, Paragliding, Powerlifting
- Running with the Bulls, Sky Surfing
- Snow Skiing and Snowboarding
- Spelunking, Sub Aqua Pursuits involving underwater breathing apparatus, Surfing
- Waterskiing, Whitewater Rafting.
Atlas Travel Insurance

Plan details | Brochure | Buy online

Atlas Travel includes coverage for eligible injuries and illnesses that could occur while participating in vacation sports
Rating: AM Rating: A++ (Superior) Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company

Offers coverage for vacation sports such as skiing, snowboarding (recreational downhill or cross-country), snorkeling, water skiing, and more at no additional cost. Certain extreme sports are excluded from coverage.

Coinsurance: After deductible, plan pays 100% up to policy maximum

Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years

Emergency medical evacuation: Up to $1,000,000

Urgent Care: 15 per incident; no copayment if deductible is $0

Renewable: Can be renewed and extended up to 364 days

Repatriation of Remains: Equal to the elected overall maximum limit
Policy maximum^?
$50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000.

Deductible options^?
$0, $100, $250, $500, $1,000, $2,500, or $5,000

Period of coverage^?
364 days
For visitors to the USA
iTravelInsured Sport

Plan details | Brochure | Buy online

Designed for travelers who engage in leisure sports and activities, both domestically and internationally.
Rating: AM best "A" (Excellent) Underwriter: United States fire insurance company

Coverage includes Hazardous Sports ($5,000), Extreme Sports ($5,000), Adventure Sports ($50,000 per person), and Organized Sports ($50,000).

Emergency accident and sickness medical expense: Up to $250,000.

Medical evacuation and repatriation of remains: Up to $1,000,000.

Sports Equipment Rental: Up to $5,000 per person.

Search and Rescue: Up to $50,000 per person
Max Trip Cost Coverage
Up to $100,000

Maximum Age insured
Up to age 99

Trip Duration
180 days
What sports are covered under iTravelInsured Sport Insurance?

Adventure Sports Insurance: iTravelInsured Travel Sport Insurance provides coverage for leisure and non-professional sports activities such as Cycling, Fishing, Diving (with depth limits), Canoeing, Kayaking, Rock Climbing, Hot Air Ballooning, Zip-lining, Water Skiing, Wakeboarding, Camping, Hiking, Backpacking, Sailing, Downhill and Cross-country Skiing, Snowboarding, Snowmobiling (guided tours only), Tobogganing, Resort-sponsored activities, Snow Tubing, and Ice Skating, with search and rescue benefits up to $50,000.

Hazardous sports Insurance: Coverage up to $5,000 applies to higher-risk adventure sports, including Skydiving, Parachuting, Hang Gliding, Bungee Jumping, Spelunking (Caving), White or Black Water Rafting (Grades 3–4), Extreme Skiing, Off-Trail Skiing, Heli-Skiing, and Snowmobiling without a guide or tour.

Extreme Sports Insurance: Coverage up to $5,000 applies to athletic pursuits involving a high degree of danger or risk, conducted outside a controlled environment, such as BASE jumping.

Organized sports Insurance: Coverage up to $50,000 applies to intramural and interscholastic sports.
Intramural Sports are recreational activities within a school, where students compete against peers from the same school under faculty supervision, separate from interscholastic athletics.
Interscholastic Sports involve competitions between accredited schools, with participants sponsored and supervised by their institution. Training, competitions, and travel are included, but club and intramural sports are excluded unless they exceed 10 hours of practice per week.
Patriot America Lite

Plan details | Brochure | Buy online

Provides coverage covers certain extreme sports with the Adventure Sports Rider.
Rating: "A" (Excellent) Underwriter: SiriusPoint Specialty Insurance Corporation

Coinsurance: In-network: After deductible, plan pays 100%
Out-of-network: After deductible, pays 80% up to $1,000, then 100% up to the max limit

Direct Billing: First healthcare network or United HealthCare

Emergency medical evacuation: Up to $1,000,000

Urgent Care : $30 per incident; no copayment if deductible is $0.

Renewable: Can be renewed and extended up to 24 months

Repatriation of Remains: Up to maximum limit
Policy maximum^?
$50,000, $100,000, $250,000, $500,000, $1,000,000

Deductible options^?
$0, $100, $250, $500, $1,000, $2,500

Period of coverage^?
5 days to 364 days
Patriot America Platinum

Plan details | Brochure | Buy online

Provides optional Adventure Sports Rider for travelers seeking First class medical coverage
Rating: AM Best Rating "A" (Excellent) Underwriter: SiriusPoint Specialty Insurance Corporation

Coinsurance: In-network: After deductible, plan pays 100%
Out-of-network: After deductible, pays 90% of eligible expenses up to $500, then 100%

Direct Billing: First HealthCare or Unitedhealthcare

Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years

Emergency medical evacuation: Up to $1,000,000

Urgent Care : $30 per incident; no copayment if deductible is $0

Renewable: Can be renewed and extended up to 24 months

Repatriation of Remains:Up to maximum limit
Policy maximum^?
$50,000, $100,000, $250,000, $500,000, $1,000,000

Deductible options^?
$0, $100, $250, $500, $1,000, $2,500

Period of coverage^?
5 days to 12 months
For Travelers Outside the USA
Patriot International Lite

Plan details | Brochure | Buy online

Provides optional Adventure Sports Rider for travelers traveling outside the US
Rating: "A" (Excellent) Underwriter: SiriusPoint Specialty Insurance Corporation

Coinsurance: After deductible, plan pays 100% up to policy maximum

Direct Billing: Through IPA Network

Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years

Emergency medical evacuation: Up to $1,000,000

Urgent Care: $30 per incident; no copayment if deductible is $0.

Renewable: Can be renewed and extended up to 24 months

Repatriation of Remains: Up to maximum limit
Policy maximum^?
$50,000, $100,000, $250,000, $500,000, $1,000,000

Deductible options^?
$0, $100, $250, $500, $1,000, $2,500

Period of coverage^?
5 days to 364 days
Adventure Sports Rider – Patriot Travel Insurance plans
Available for individuals up to 65 years of age
Patriot America Plus, Patriot America Lite, Patriot International Lite from IMG covers Optional Adventure Sports Rider.The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

This plan 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.

Age Maximum Limit (Per certificate period)

0-49 years $50,000

50-59 years $30,000

60-64 years $15,000

Download Adventure Sports Rider Details
Safe Travels USA

Plan details | Brochure | Buy online

Designed for Non-US citizens traveling to US, including Optional Sports Activity coverage.
Rating: "A" (Excellent) Underwriter: Zurich Insurance Europe AG Belgian branch

Coinsurance: In-network: After deductible, plan pays 100%
Out-of-network: After deductible, pays 90% of eligible expenses up to $500, then 100%

Coinsurance: After deductible, plan pays 90% of first $2,500 then 100% up to the policy maximum

Direct Billing: First healthcare network

Unexpected recurrence of a pre-existing condition Up to $1,000 for those up to age 69

Emergency medical evacuation: 100% up to $1,000,000

Urgent Care : $30 per incident; no copayment if deductible is $0.

Renewable: Can be renewed and extended up to 364 days

Repatriation of Remains: Up to $50,000
Policy maximum^?
$50,000, $100,000, $250,000, $500,000, $1,000,000

Deductible options^?
$0, $100, $250, $500, $1,000, $2,500, $5,000

Period of coverage^?
5 days to 364 days
Safe Travels USA Comprehensive

Plan details | Brochure | Buy online

Designed for Non-US citizens traveling to US, including Optional Sports Activity coverage.
Rating: "A" (Excellent) Underwriter: Zurich Insurance Europe AG Belgian branch

Coinsurance: After deductible, plan pays 100% up to the policy maximum

Direct Billing: First HealthCare

Acute onset of pre-existing condition: Up to policy maximum for those up to age 69

Emergency medical evacuation: 100% up to $1,000,000

Urgent Care: $30 per incident; no copayment if deductible is $0

Renewable: Can be renewed and extended up to 364 days

Repatriation of Remains: Up to $50,000
Policy maximum^?
$50,000, $100,000, $250,000, $500,000, $1,000,000

Deductible options^?
$0, $100, $250, $500, $1,000, $2,500, $5,000

Period of coverage^?
5 days to 364 days
Sports Activity Coverage Rider - Safe Travels USA & Safe Travels USA Comprehensive

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge. 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.
Travel Medical Basic

Plan details | Brochure | Buy online

Designed for Non-US residents, including optional coverage forAdventure Activities.
Rating: AM Rating: “A (Excellent)” Underwriter: Crum & Forster SPC

Coinsurance: In-network: After deductible, plan pays 100%
Out-of-network: After deductible, pays 80% of the first $10,000 in covered expenses, then 100%

Coinsurance: After deductible, plan pays 90% of first $2,500 then 100% up to the policy maximum

Direct Billing: Unitedhealthcare network

Acute of pre-existing condition Up to age 79

Emergency medical evacuation and Repatriation: up to $250,000

Renewable: Can be renewed and extended up to 364 days
Policy maximum^?
$50,000, $100,000, $500,000, $1,000,000

Deductible options^?
$0, $100, $250, $500, $1,000, $2,500, $5,000

Period of coverage^?
5 days to 364 days
Travel Medical Choice

Plan details | Brochure | Buy online

Designed for Non-US residents, including optional coverage for Adventure Activities.
Rating: AM Rating: “A (Excellent)” Underwriter: Crum & Forster SPC

Coinsurance: In-network: After deductible, plan pays 100%
Out-of-network: After deductible, pays 80% of the first $10,000 in covered expenses, then 100%

Coinsurance: After deductible, plan pays 90% of first $2,500 then 100% up to the policy maximum

Direct Billing: Unitedhealthcare network

Acute of pre-existing condition Up to 79 years old

Emergency medical evacuation and Repatriation: up to $500,000

Renewable: Can be renewed and extended up to 364 days
Policy maximum^?
$50,000, $100,000, $500,000, $1,000,000

Deductible options^?
$0, $100, $250, $500, $1,000, $2,500, $5,000

Period of coverage^?
5 days to 364 days
Adventure Activity Coverage Rider - Travel Medical Basic & Travel Medical Choice

Travel Medical Basic and Travel Medical Choice plans covers adventure sports up to policy maximum. The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

The company will reimburse you for covered expenses up to the amount in the schedule of benefits resulting from an injury sustained while participating in any of the following 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.

Age	Maximum Limit (Per certificate period)
0-49 years	$50,000
50-59 years	$30,000
60-64 years	$15,000

🏅 What Is the Best Insurance for International Student Athletes?

There are quite a few US health insurance for students that cover sports activities. It is hard to pick one plan as the best plan. There might be slight differences in the kind of sports activities that they cover. On American Visitor Insurance we offer the best sports health insurance plans for international students.

Diplomat America and Diplomat LongTerm Insurance

schoolDesigned for international students participating in intercollegiate sports.
add_boxStudents can choose a specific sports rider (low, medium, or high) depending on the sport to be covered.
warningMaximum benefit payout is limited to $20,000 for any covered injury or illness resulting from the sports activity.
sync
Diplomat LongTerm Insurance plan can be extended and offers worldwide coverage, with a minimum purchase period of 90 days.
sync_disabledDiplomat America plan cannot be extended or renewed.

Patriot Exchange Insurance

schoolMore affordable student insurance plan than Diplomat America and covers high school sports teams.
paidPatriot Exchange insurance cost starts at $73 per month for a young adult without the rider, and it covers up to $250,000 with a $100 deductible.
blockIt does not include coverage for varsity sports regulated by the National Collegiate Athletic Association (NCAA) nor the National Association of Intercollegiate Athletics (NAIA).
sports_baseballVarsity sports are only covered when the “Add-on” Rider is selected — not the Adventure Sports Rider.

Student Health Advantage Insurance

sports_baseballProvides coverage for intercollegiate, interscholastic, intramural, and club sports
paidBenefit limit of $5,000 per illness or injury during the coverage period.

Student Secure Insurance

sports_baseball
Both Student Secure Elite and Student Secure Select plans provide coverage for organized sports including intercollegiate, interscholastic, intramural, and club sports. Covers medical expenses related to sports injuries, up to $5,000 per injury or illness.
done_allAll four levels of the Student Secure plans (Smart, Budget, Select, and Elite) offer coverage for leisure, recreational, entertainment and fitness activities, with benefits available up to the plan’s overall maximum limit, depending on the selected level.

Does the Sports Insurance Cover Pre-Existing Sports Injuries?

Coverage for pre-existing sports injuries may vary depending on the insurance provider and policy. Some policies may offer limited or no coverage for pre-existing injuries, while others may provide partial or full coverage after a waiting period.

Resourceful Tourist Insurance USA Information

flight_takeoff

Find the best travel insurance

Find out the best insurance for your budget and needs

Know more »

thumb_up

How does travel insurance work?

Claims process for expenses due to injury or sickness

Know more »

help

How to buy travel insurance?

Guide to buying the best international travel health insurance
Know more »

badge

Travel insurance glossary

Commonly used international travel medical insurance terms
Know more »

group

Travel insurance for specific groups

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
Know more »

balance

Compare travel insurance plans

Compare the best travel insurance plan for your needs

Know more »

Resourceful Links

Insurance FAQs
Frequently asked questions and answer about hazardous sports insurance plans.

Explore »

Insurance Forum
Customer queries and answers about adventure sports insurance plans.

Explore »

Best Travel Insurance for Hazardous Sports?

Why Is International Travel Insurance Important for Hazardous Sports?

⚠️ Why hazardous sport insurance is necessary

💰 How Much Does Travel Insurance for Hazardous Sports Cost?

What Is the Best Trip Cancellation Insurance for Adventure Sports?

iTravelInsured Sport Insurance

What Is a Hazardous Sport?

Why Should I Buy Hazardous Sports Insurance?

What Does Hazardous Sports Travel Insurance Cover?

🏆 What Is the Best Travel Insurance for Adventure Sports?

For visitors to the USA

Diplomat America

Diplomat Long Term

For Travelers Outside the USA

Diplomat International

Optional Athletic Sports & Hazardous Activity Benefit by Global Underwriters

Coverage level

Add-on cost (flat monthly rate)

Sports covered

Visit USA HealthCare Superior

Intermedical

WorldMed

Hazardous Activities Covered with Rider (Intermedical & WorldMed Plans)

Atlas Travel Insurance

For visitors to the USA

iTravelInsured Sport

Patriot America Lite

Patriot America Platinum

For Travelers Outside the USA

Patriot International Lite

Safe Travels USA

Safe Travels USA Comprehensive

Travel Medical Basic

Travel Medical Choice

🏅 What Is the Best Insurance for International Student Athletes?

Diplomat America and Diplomat LongTerm Insurance

Patriot Exchange Insurance

Student Health Advantage Insurance

Student Secure Insurance

Does the Sports Insurance Cover Pre-Existing Sports Injuries?

Resourceful Tourist Insurance USA Information

Find the best travel insurance

How does travel insurance work?

How to buy travel insurance?

Travel insurance glossary

Travel insurance for specific groups

Compare travel insurance plans

Resourceful Links

Which Are the Best Travel Insurance Companies in USA?

Which are the best visitors insurance companies in USA?

Ask me a Question?

US visitor insurance categories

Disclaimer