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Compare Extreme Sports & Adventure Travel Insurance | Up to 70% OFF
Standard travel insurance often excludes high-risk activities. These plans cover you for adventure sports like skiing, scuba diving, and mountain trekking.
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Incl. hiking ≤3000m | Auto-pay for ≥3hr delays
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Valid till 30 Nov 2026
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Valid till 30 Nov 2026
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Valid till 30 Nov 2026
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Valid till 30 Nov 2026
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Valid till 30 Nov 2026
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Incl. hiking ≤3000m + 3-hr delay & cruise cover
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Valid till 30 Nov 2026
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Valid from 12 to 16 Nov 2026. 9:00AM. Ts&Cs apply.
Valid till 30 Nov 2026
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Valid till 30 Nov 2026
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Pre-existing medical condition coverage available
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Get a S$30 Revolut cash reward with Income Travel premiums purchased. T&Cs apply.
[Income's Online Promos]
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Valid till 30 Nov 2026
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[Tiq's Online Promos]
• Enjoy 55% off (Single Trip) and 30% off (Annual Plans) with code TIQMS on Tiq Travel Insurance plans. Valid till 30 Nov 2026. T&Cs apply.
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Adventure Sports Travel Insurance in Singapore
Adventure sports travel insurance is designed for Singaporeans heading overseas to try high-risk thrills like scuba diving, trekking, snow sports or skydiving—activities that standard travel insurance often excludes. This cover helps protect you from the unique medical, rescue, and claims risks that come with active holidays.
Typical Coverage of Adventure Sports Travel Insurance
Singapore’s adventure sports travel insurance is tailored to cover high-risk activities typically excluded from standard policies. Here’s what matters most:
Criteria | Coverage |
Range of activities covered | Commonly includes scuba diving (typically up to 30 metres), trekking/hiking (often to 3,000–6,000 metres), bungee or skydiving, winter sports, and water sports All activities are only to be done under leisure and with licensed operators |
Need for specific cover | Extreme sports aren’t usually included in base travel insurance. Adventure riders or higher-tier plans are required for claim eligibility |
Enhanced medical emergency support | Higher medical expense and evacuation limits, with overseas medical cover running up to S$1 million |
Dedicated sports equipment protection | Personal equipment and gear loss/damage claims are generally included, but capped per item and may require add-ons |
Pros and Cons of Adventure Sports Travel Insurance
Here’s the practical trade-off:
Pros ✅ | Cons ❌ |
Higher limits than entry-level plans: For e.g. MSIG TravelEasy Elite vs TravelEasy Standard (which excludes adventure activities):
| Additional cost: You’ll pay extra for these benefits, either as a rider or through a premium-tier plan |
Trip cover for sports injuries: Trip cancellation and disruption benefits apply if a covered sporting injury stops your travels | Claim complexity: Documentation must prove you met all conditions (e.g. licensed operator, proper certification) |
Adventure Sports Travel Insurance: Coverage Comparison
Travel insurance plan | Scuba diving | Trekking (altitude cap) | Other activities | Medical / evacuation | Major add-ons | Best for |
✅ Covered (≤ 30m) | < 3,000m | ✅ Bungee, skydiving, snow sports, hot air balloon | Up to S$200,000 medical cover Unlimited evacuation | Add-on for pre-existing conditions, COVID-19 | Beginner adventure sports travellers | |
✅ Covered (≤ 30m) | < 3,000m | ✅ Bungee, skydiving, snow sports, hot air balloon | Up to S$500,000 medical cover (below age 70) Up to S$1 million for evacuation | No pre-existing add-ons Separate TravelEasy Pre-Ex plans available | Ski and winter sports trips | |
✅ Covered (≤ 30m) | < 6,000m | ✅ Bungee, skydiving, snow sports, hot air balloon | Up to S$350,000 medical cover (under age 70) Up to S$500,000 for evacuation | Enhanced Income PreX plan for pre-existing conditions | Last-minute buyers (per-trip plans can be bought up to a day after departure) | |
❌ Add-on only (≤ 40m) | < 4,000m | ✅ Bungee, skydiving, hot air balloon ❌ Snow sports (add-on only) | Up to S$1 million medical cover (up to age 70) Up to S$1million for evacuation | Add-on for diving / snow sports, pre-existing conditions, COVID-19 | Long-haul trips needing Cancel for Any Reason cover (add-on, buy within 14 days of first trip payment) |
Adventure Sports Travel Insurance Exclusions
Even with adventure sports cover, insurers can reject your claim in these situations:
❌ Professional or paid participation: Competing, taking part as a professional, or receiving a financial reward is not covered under adventure sports; only those done as leisure activities count.
❌ Unlicensed or unsafe operators: Activities not run by a licensed operator, or ignoring the operator’s safety rules and equipment
❌ Exceeding plan limits: Diving or trekking beyond your plan’s depth or altitude caps, or diving deeper than your certification allows
❌ Diving alone: Diving solo or without a suitably certified companion
❌ Off-piste winter sports: Skiing or snowboarding off-piste, or in ungroomed or unpatrolled areas
❌ Alcohol-related incidents: Injuries or losses linked to alcohol
❌ Late claims: Reporting your claim after the insurer’s deadline If unsure, confirm with your insurer before taking part in a high-risk activity.
How to Apply For Adventure Sports Travel Insurance: Step-by-Step Guide
Step | Action | Details |
1 | Plan your activities | List the sports you’ll do on your trip, including any dive depths or trekking altitudes, so you can match them against plan limits. |
2 | Compare plans | Compare adventure sports travel insurance plans on MoneySmart and shortlist policies from FWD, MSIG, INCOME and Singlife that cover your planned activities. |
3 | Prepare your details | Prepare the following documents ahead of time, in case needed:
|
4 | Add the cover you need | Click “Apply Now” on your chosen plan, then add any optional sports cover (such as Singlife’s scuba diving or snow sports add-ons) if your activities aren’t included. |
5 | Complete the purchase | Provide the details for each traveller, pay the total (base policy + any add-ons) and download the policy confirmation. |
6 | Keep your records | Save your full e-policy wording, your certifications and operator booking confirmations. You may need them for claims. |
7 | Claim if needed | Report your claim within your insurer’s deadline, with the receipts and incident reports you kept during your trip. |
💡 MoneySmart Tip: Before you travel, double check your covered activities and photograph your equipment. During your trip, keep receipts, instructor logs and incident reports for every sporting activity, and get medical documentation promptly for any treatment or rescue.
What our customers say about MoneySmart Travel Insurance Applications
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Having using another competitor’s platform with same credit card promotions and travel insurance… I can firmly say MoneySmart is a much better choice with top notch customer service. Their reply is fast, responsive. Not only that, if they are unsure, they give you a call with email follow up. This is what I call seamless customer experience. Moneysmart’s portal may not be perfect, I will still go to this platform. Tks!!
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Had been using money smart to buy my travel insurance. Many brands can be found. It’s fast and easy to apply. Some plans are entitled to cash reward and you will get it if you are eligible. It’s a good platform to use for comparing different products and values.
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Thrills Booked? Get Travel Insurance That Keeps Up 🏄🏻♂️ 🌊
Dive deep, climb high or carve fresh powder, just don't let a wipeout wipe out your savings. Compare travel insurance plans on MoneySmart to find cover that fits your itinerary, from city breaks to high-altitude treks.
FAQs About Adventure Sports Travel Insurance
What is adventure sports travel insurance?
Adventure sports travel insurance covers medical costs, evacuation and trip disruptions if you get hurt doing high-risk leisure activities overseas, such as scuba diving, skiing, bungee jumping or high-altitude trekking. You get this cover through a higher-tier travel plan or an optional add-on, and each insurer sets its own depth and altitude limits.
Does standard travel insurance cover adventure sports?
Usually not. Entry-level plans often exclude adventure activities entirely, so you’ll need a higher-tier plan or an optional add-on. Some plans cover lighter activities like bungee jumping or hiking but still need an add-on for scuba diving or snow sports.
Which travel insurance plans cover scuba diving in Singapore?
FWD Premium, MSIG TravelEasy Elite, and INCOME Standard Classic cover leisure scuba diving up to 30m. Singlife Travel Plus covers dives up to 40m with an optional add-on.
You’ll typically need a recognised certification. INCOME, for example, requires a PADI (or similar) certification and a certified dive buddy, unless you dive with a qualified instructor.
Does travel insurance cover skiing and snowboarding?
Yes, on plans that include winter sports. FWD Premium, MSIG TravelEasy Elite and INCOME Standard Classic cover skiing and snowboarding, while Singlife Travel Plus offers it as an optional add-on.
MSIG excludes off-piste skiing, ungroomed or unpatrolled areas, and runs not recommended for beginner to intermediate users.
Does travel insurance cover high-altitude hiking and trekking?
Yes, but only up to each plan’s altitude cap, and for leisure purposes:
- FWD Premium and MSIG TravelEasy Elite: Below 3,000m
- Singlife Travel Plus: Below 4,000m
- INCOME Standard Classic: Below 6,000m If you trek above your plan’s cap, you won’t be covered.
Does age or a pre-existing condition affect adventure sports cover?
Yes. Overseas medical limits drop for travellers above 70, such as from S$500,000 to S$75,000 on MSIG TravelEasy Elite, and from S$1 million to S$150,000 on Singlife Travel Plus.
Otherwise, most plans typically exclude pre-existing conditions coverage unless you purchase an add-on or a separate standalone plan.
Can I insure my sports equipment under travel insurance?
Yes, but baggage cover caps payouts per item, at S$500 on MSIG TravelEasy Elite and INCOME Standard Classic, and S$600 on Singlife Travel Plus. For expensive gear, FWD offers a Sports Equipment Protector rider that covers up to S$2,000 for stolen or accidentally damaged items such as diving gear and skis.
How do I make an adventure sports travel insurance claim?
Report your claim as soon as possible, as insurers set claim deadlines, such as 30 days from the incident. Submit:
- Medical reports and itemised bills
- Incident or police reports
- Proof you met activity conditions, such as operator bookings and certifications
When should I buy adventure sports travel insurance?
Buy it as soon as you book your trip. Buying early secures your cancellation cover before anything disrupts your plans, and some benefits, such as Cancel for Any Reason add-ons, must be bought within a set window after your first trip payment.