Sports enthusiasts traveling overseas participating in any extreme sports activity should have adequate hazardous sports travel insurance coverage.
Why Choose Hazardous Sports Insurance?
At American Visitor Insurance, athletes and tourists can buy affordable adventure travel insurance plans with reliable coverage for extreme sports.
Adventure Sport Travel Insurance is a specialized type of travel insurance designed to protect travelers who take part in high-risk or extreme activities when they are traveling.
Adventure or hazardous sports coverage include:
Although these adventures are thrilling, they also carry a higher risk of injury. It is highly advised that travelers do buy an extreme sport insurance plan that will provide essential medical coverage for injury and emergencies when participating in these sports. Don’t let your thrill-seeking turn into a financial burden – ensure you have the right travel insurance for extreme sports to protect you and your health!
Yes, adventure travel insurance is highly recommended if you are participating in physically challenging or adventurous activities on your trip. Some tour operators may even require proof of insurance before allowing you to participate.
Standard travel insurance excludes adventure sports, including biking, swimming, or motorcycling. Therefore, it is crucial to review your policy and check for the exclusions. Without the right travel insurance for adventure travelers, you will have to face expensive medical bills and lose any non-refundable expenses for the trip when an accident happens.
Travel insurance for extreme sports ensures protection for travelers who engage in high-risk or hazardous activities. These adventure sport coverage plans offer medical coverage for injuries sustained during covered sports.
These plans offer coverage for:
⚠️ Note: Adventure and hazardous sport insurance coverage varies by plan. Not all travel insurance policies or add-on include every sport automatically. Some high-risk activities may require purchasing an Adventure Sports Rider for protection. Check the policy details carefully to ensure your specific sport(s) are covered before purchase.
Most standard travel insurance plans do not always cover for adventure or hazardous sports because of the high risk of injury. If you unfortunately sustain injuries from a ski accident, scuba diving accident, rock climbing accident, bungee jumping accident, or most similar activities, your medical expenses may not be covered under a standard policy.
To get protection, many insurers provide Adventure Sports Coverage or a Hazardous Sports Rider that can be added to your policy for an extra premium or additional cost. The additional coverage is specifically designed to protect travelers who plan going on holidays to engage in high-adrenaline activities.
The Hazardous Sports Insurance Cost for 15 days starts at just $30, including coverage in the USA.
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
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
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
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
Provides coverage if your injury or illness results from the below enumerated Athletic Sports & Hazardous activities.
Important Note: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 |
or First HealthCare 
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:
or First HealthCare 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.
or First HealthCare 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.
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.
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
Max Trip Cost Coverage
Up to $100,000
Maximum Age insured
Up to age 99
Trip Duration
180 days
or United HealthCare 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
or Unitedhealthcare 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
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 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 |
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
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
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.
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
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 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.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.
Compare and buy the best comprehensive insurance for student sports team
Not always. While some travel insurance policies include coverage for certain adventure sports activities, many excluded higher-risk activities such as skiing, scuba diving, or mountain climbing. In these cases, you may need to have a rider upgrade for high-risk activities. To ensure you have the right level of protection for your trip, review your policy details carefully.
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. Review the policy details to understand coverage for pre-existing sports injuries.
While both types of coverage provide protection for travelers who engage in high risk activities, the key difference lies in the level of risk and type of sports included.
In most cases, extreme sports travel insurance needs to be purchased before your trip begins or before you are going to begin the activity. Most policies will require that coverage be active from your departure date, and many will not allow you to purchase an adventure sports rider once you are already in another country.
However, some plans allow you to enroll while abroad, as long as you meet eligibility requirements (for example, you are still within a certain timeframe from the departure date or you do not have an injury yet).
Among the available international sport insurance plans, the Atlas Travel Insurance plan includes coverage for certain water sports. For other plans, coverage for water sports is available only if you purchase the hazardous activity rider.
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