Best Travel Insurance for Adventure Activities (2020)

Dream of going on hot air balloon rides at Cappadocia, sky diving in Perth or skiing at Niseko Ski Resort? Thankfully, even cheap travel insurance policies cover some adventurous activities. But don’t take it at face value. You need to see how exactly each policy defines "adventures". We recommend some good travel insurance policies and show you how to choose the best one for adventure holidays.

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FWD Premium Adventure Activities Coverage

  • Overseas Medical Expenses

  • Loss/Damage of baggage

  • Trip Cancellation

FWD Premium travel insurance plan is the cheapest travel insurance plan that covers for adventure activities and their policy wording states only two exclusions regarding adventurous activities.

One, the policy excludes training or participating in sports activities as a professional or to receive a financial reward or incentive. And two, hiking or trekking above 3,000m sea level.

This is quite a broad definition, which means that you generally get coverage for adventurous activities such as bungee jumping, ski diving and paragliding. The plan starts from $11.20 for a short 3-day trip in Southeast Asia.

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eTiQa Basic Plan Adventure Activities Coverage

  • Overseas Medical Expenses

  • Loss/Damage of Baggage

  • Trip Cancellation

ETIQA’s basic plan is an affordable travel insurance plan that covers for adventure activities, such as hot air balloon ride, parachuting, sky diving, bungee jumping, hang-gliding, paragliding and non-competitive winter sports. It starts from $12.21 for a 3-day Southeast Asian trip.

Hiking is also covered, as long as it is under 3,000 meters from sea level. Scuba diving under supervision of a qualified diving instructor not deeper than 30 meters is covered as well.

If you really want peace of mind, get the Premier Plan as it covers medical, surgical, nursing and hospital charges up to $150,000 with no excess or co-payment needed.

Hong Leong Travel Insurance Basic Adventure Activities Coverage

  • Overseas Medical Expenses

  • Loss/Damage of Baggage

  • Trip Cancellation

Another affordable plan that offers coverage for adventurous activities is Hong Leong Travel Insurance Basic Policy. It covers sky diving, non-competitive wintersports and scuba diving (under supervision of qualified diving instructor, or if insurer holds PADI certification).

There are some restrictions that you should read carefully, however. Skiing is okay, but jet skiing, ski racing, backcountry skiing or off-piste skiing and ski jumping is not ok. There are also exclusions for bungee jumping, hang gliding, parasailing, among other activities. Do check carefully if the activities in your itinerary are covered by reading the policy wording carefully!

The basic plan starts at $15.60 for a 3-day short trip in Southeast Asia.

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MSIG TravelEasy Elite Adventure Activities Coverage

  • Overseas Medical Expenses

  • Loss/Damage of Baggage

  • Trip Cancellation

For a complete coverage, MSIG TravelEasy Elite is comprehensive plan that states upfront that bungee jumping, sky diving, paragliding, hot-air ballooning, jet skiing, white-water rafting, diving, ice skating, tobogganing, sledging and other activities are covered.

This is on the condition that the activities are conducted for leisure and non-competitive purposes, with a licensed operator according to safety guidelines. The plan starts from $17.60 for a 3-day trip to Southeast Asia.

Hiking is limited to up to 3,000 m above sea level while scuba diving is limited to a depth of 30 m. The Premier Plan also covers these activities, but it is more expensive, with higher coverage.

Common Exclusions for Adventurous Activities

For basic travel insurance plans, these are the common restrictions for adventure activities coverage.

  • White Water Rafting & Canoeing

    Canoeing or white water rafting without a qualified guide or Grade 4 and above (of the International Scale of River Difficulty).

  • Skiing Insurance Coverage

    Most travel insurance policies do not cover off-piste skiing, backcountry skiing or skiing outside the official boundaries of a ski resort.

  • Diving VS Scuba Diving

    Basic travel insurance plans exclude activities involving artificial breathing apparatus for diving deeper than 30 metres, but usually, scuba diving under qualified instructor or with a PADI certification is not excluded.

  • Hiking/Trekking

    Mountaineering beyond the height of 3,000 metres above sea level. Some plans cover up to 6,000m though! See next section.

  • Jet Ski

    Many travel insurance plans exclude jet skiing. If you are going to jet ski, go for a plan that covers this activity, such as MSIG TravelEasy Elite Plan.

  • Competition Sports

    Most policies exclude professional sports or any activity in which you race or compete to earn or receive remuneration, donation or sponsorship.

Travel insurance for hiking above 3000m

Many travel insurance policies that provide coverage for hiking do so up to 3000m. This means that if you are scaling to the summit of Mt Rinjani in Lombok, Indonesia (3,726m), Mt Kinabalu in Malaysia (4,095m) or Mt Fuji in Japan (3,776m), any accident that occurs beyond 3,000m will not be covered.

If you are going hiking to a mountain higher than 3,000m, you need better coverage. Here are some policies that you can choose from.

3 Travel Insurance Policies for Hiking/Trekking Above 3,000 Metres

Benefit Tokio Marine Xplore Classic AIG Travel Guard Standard AIA Around the World Plus Classic
Accidental death & permanent disablement $200,000 $100,000 $150,000
Medical expenses incurred overseas $300,000 $200,000 $200,000
Personal baggage & effects $5,000 $3,000 $3,000
Trip cancellation $5,000$5,000$5,000
Emergency medical assistance & evacuation $500,000 $500,000 $500,000
Hiking or trekking (organised group)Up to 4,500mUp to 6,000mUp to 6,000m
Policy premium (1 week Area A/Zone 1) $48 (after discount) $43 (+earn 43 krisflyer miles)$37.30

Frequently Asked Questions

Does travel insurance cover diving?

Many travel insurers cover diving up to 30 metres. You must have the necessary certification and be accompanied when you dive in order to be covered.

Does travel insurance cover extreme sports?

No, travel insurance plans generally exclude extreme sports. However, the definition for extreme sports is quite precise in policy wordings. Typically, it means sports that present "a high level of inherent danger", or require "high level of expertise" and "exceptional physical exertion". Activities that are open to the public without restriction like skiing at established ski resorts and scuba diving under the supervision of a qualified instructor are not considered extreme sports and are covered.

Do I need travel insurance for skiing?

If you are going skiing, it is better for you to get a good plan that covers the activity. Take note that even the best plans will not cover ski stunts, backcountry skiing and off piste skiing. If you're not really a professional in that sense, make sure you ski within the boundaries of a ski resort. For frequent travellers, look into annual travel insurance with ski cover if you intend to do so during the winter months.