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Best Adventure Sports Travel Insurance

After spending seven years in the U.S. Air Force as an Arabic linguist, Carissa is now a freelance writer using points and miles to fund a four-year (and counting!) adventure. She previously worked as a reporter for The Points Guy. Her writing has since been featured in numerous publications, including Forbes, Business Insider, and The Balance. When she's not flying, you'll usually find her in a Priority Pass lounge somewhere, sipping tea and cursing slow Wi-Fi.

Giselle M. Cancio is an editor for the travel rewards team at NerdWallet. She has traveled to over 30 states and 20 countries, redeeming points and miles for almost a decade. She has over eight years of experience in journalism and content development across many topics.

She has juggled many roles in her career: writer, editor, social media manager, producer, on-camera host, videographer and photographer. She has been published in several media outlets and was selected to report from the 2016 Summer Olympics in Rio de Janeiro.

She frequents national parks and is on her way to checking all 30 Major League Baseball parks off her list. When she's not on a plane or planning her next trip, she's crafting, reading, playing board games, watching sports or trying new recipes.

She is based in Miami.

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Heading out on a vacation can be an exhilarating experience, especially if you’re into adventure activities. However, with increased adrenaline comes increased danger — and decreased coverage from insurance companies.

Being protected in an emergency is valuable when you’re doing something risky, so we’ve gathered some of the best adventure travel insurance policies.

Factors we considered when picking adventure sports travel insurance companies

You’ll want to consider the following facets of travel insurance during a comparison:

Cost . We looked for a mix of affordability and comprehensive coverage. 

Types of coverage . Extreme sports insurance isn’t usually included with standard travel insurance, which is why we’ve made sure it’s included. 

Coverage amounts . Being underinsured is almost as bad as having no insurance at all. 

Customizability . Plans that can be customized offer more flexibility for travelers. 

» Learn more: What does travel insurance cover?

An overview of the best adventure travel insurance

To determine the best extreme sports insurance, we gathered quotes from various companies using insurance aggregator SquareMouth. To do so, we input a sample trip of a 33-year-old from Colorado traveling to New Zealand for two weeks. The total trip cost was $3,400, and activities included hiking and camping.

SquareMouth came back with 16 policies offering varying levels of coverage. Among the six we chose as the best, the average cost totaled $147.18 — though you’ll find significantly lower and higher on this list. Here are our picks.

» Learn more: The best travel credit cards right now

Top adventure travel insurance options

Let’s take a closer look at our top six recommendations for adventure travel insurance.

What makes Battleface adventure insurance great:

Much lower cost than other options.

Provides primary health insurance. 

Includes six customizing options. 

Battleface is known for its adventure sports travel insurance, which makes it much more compelling than other products. Even at less than half the cost for other options, Battleface is providing you $100,000 in primary health insurance, $500,000 for medical evacuation and even coverage for pre-existing conditions .

Although its basic plan lacks features like lost luggage reimbursement, you’ll still get standard trip protections such as trip cancellation and employment layoff coverage. The extremely low cost may make this an enticing option for backpacker travel insurance or anyone wishing to save money on their travels.

What makes Travelex great:

Strong travel protections.

$50,000 in primary medical insurance. 

Coverage for medical quarantine included. 

Here’s a snippet from our Travelex review :

“Travelex’s primary goal is to provide travel insurance protection personalized to the type of trip you’re taking and the style of traveler you are. And regardless of which plan you choose, you’ll always have 24/7 access to travel assistance.”

What makes Tin Leg great:

Coverage for activities such as bungee jumping and skydiving. 

No medical deductible.

Strong trip protections.

Here’s a snippet from our Tin Leg review :

“The Adventure Plan … features primary medical coverage and work-related cancellations, plus more lost luggage insurance than the Luxury plan, coverage for accidental death and dismemberment during the trip (excluding flights) and extra coverage for delayed sports equipment. It’s also the only plan that offers medical coverage for adventure activities like mountain biking.”

What makes IMG great:

Up to $300 in reimbursed kennel fees for delays in returning home. 

Comprehensive trip protections, including trip delay and trip interruption reimbursement. 

Lower-than-average cost. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important if you travel to a remote location or engage in physical activity such as trekking.

“More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

John Hancock

What makes John Hancock great:

Trip delay reimbursement after three hours.

No medical deductible. 

$750 reimbursement for missed connections.

Here’s a snippet from our John Hancock review :

“The Gold plan provides the greatest benefits, including a much higher limit for emergency medical and lost baggage reimbursement. Other than that, however, the Silver level is fairly similar, enjoying the same 150% reimbursement rate for trip interruption and a three-hour window for trip delay to kick in.

“The Bronze level is the least expensive, but it’s not all that far off from the cost of the Silver level. At this rate, you’ll be looking at far less coverage for emergency medical and trip delay, though you’ll still have $200 in coverage for change fees and 100% of costs incurred for trip cancellation.”

HTH Travel Insurance

What makes HTH Travel Insurance great:

$500,000 in primary medical coverage. 

$1 million in medical evacuation. 

High-limit travel protections. 

Here’s a snippet from our HTH Travel Insurance review :

“HTH offers several types of travel medical insurance, as well as trip protection plans that include coverage for trip cancellation or interruption, baggage delays, and accident or sickness. … The cheapest plan … included 100% of the trip cost in case of cancellation, up to 150% of the trip cost in case of trip interruption and a variety of other benefits, including medical insurance coverage.”

What does travel insurance cover?

You’ll find a wide variety of coverage types offered by travel insurance policies. This is true whether you’re purchasing a single-trip or annual travel insurance plan.

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip delay insurance .

Trip interruption insurance .

How to choose the best adventure travel insurance policy

Travel insurance can be good to have while you’re away from home and can provide coverage when your plans go awry. Standard plans will generally include coverage for trip interruption, lost luggage and emergency medical situations.

However, they also usually include a provision excluding adventure sports from their policies, so it’s important to read over your plan documents thoroughly. Companies like SquareMouth also allow you to filter travel insurance plans by the types of activities you’re doing, which may make it simpler to find one that fits your needs.

» Learn more: How to find the best travel insurance

If you want to buy adventure sports travel insurance

Participating in adventure sports or extreme activities can be thrilling but also riskier than the average traveler’s trip. Because of this, if you’re interested in purchasing travel insurance, you’ll want to be sure it provides coverage for your planned activities — whether you’re camping or cliff diving.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Advertiser Disclosure

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Best Travel Insurance for Winter, Adventure, and Extreme Sports

Jessica Merritt

Editor & Content Contributor

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Table of Contents

Why get adventure sports travel insurance, travel insurance often excludes high-risk sports, credit card travel insurance often excludes high-risk activities, travel insurance for high-risk sports, how to get travel insurance for high-risk sports, what sports travel insurance costs, how to choose travel insurance for high-risk sports, the best sports travel insurance plans, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Planning an adventurous trip? Your travel insurance might not cover everything you want to do — particularly if you plan on adventure activities or winter or extreme sports. 

Whether diving the ocean’s depths or ziplining through a forest, sports travel insurance can help you go confidently on adventures knowing you’re covered if anything goes wrong. Whether you need emergency assistance and evacuation or a reimbursement for a trip cut short by injury, travel insurance with sports coverage can help.

While standard travel insurance typically offers medical coverage, most policies exclude certain activities, particularly risky sports. But you can purchase a travel insurance policy that provides coverage for all your adventures , either as a stand-alone policy or an add-on to a comprehensive travel insurance package.

Let’s explore everything you need to know about travel insurance for sports and adventure activities and how to get that coverage for any high-risk activities you may plan for your travels.

Adventure sports travel insurance covers activities such as mountain climbing or deep-sea scuba diving (i.e. any activity that has a higher risk level than a “regular” travel activity).

While accidents can happen anywhere, you’re particularly vulnerable when away from home. Medical expenses and evacuation can be costly , especially if traveling to remote areas or a foreign country where you’re unsure about quality medical care. Sports travel insurance covers emergency medical expenses, ambulance services, and evacuation.

Some travel insurance companies offer emergency assistance services , which can help you get the medical care you need in a remote location or challenging environment. The travel insurance company can provide access to medical professionals, coordinate your care, and arrange an emergency evacuation if needed.

For example, if you’re climbing a mountain and break a leg, adventure sports travel insurance can help get you off the mountain and connected with medical care.

Adventure sports travel insurance can also help if a sports-related injury requires you to cancel or interrupt your trip or if you experience equipment loss or damage. That can save you money on non-refundable expenses and help you replace sports equipment.

While getting travel insurance is wise, you should understand that standard travel insurance policies may not include coverage for certain sports activities . Some travel insurance plans offer coverage for sports-related injuries and accidents, but others may have exclusions or limitations for high-risk or extreme sports.

When you purchase a travel insurance policy, review the terms and conditions to know which sports and activities are covered and any exclusions or limitations you may need to work with. Usually, travel insurance medical coverage encompasses unexpected accidents or injuries, which can include some sports like hiking or snorkeling, for example. But extreme or high-risk sports such as white water rafting or skydiving may not be included.

Exclusions depend on the insurance policy, but here are some examples of sports and activities that your standard travel insurance policy may not cover:

• Base jumping
• Bungee jumping
• Martial arts and combat sports
• Motor racing and motorsports
• Mountaineering and rock climbing
• Off-piste skiing and snowboarding
• Paragliding and hang gliding
• Scuba diving and deep-sea diving

If you find your travel policy lacking in coverage for the activities you’ve planned, you should consider getting additional coverage, such as a specialized sports travel insurance policy or add-on coverage.

Don’t expect your credit card travel insurance to cover extreme sports. 

While you should read the terms and conditions of the policy, most credit card travel insurance policies exclude risky activities , which extends to sports considered extreme. 

Credit card travel insurance often covers basic medical expenses, trip cancellation or interruption, lost baggage, and travel accidents. For example, the Chase Sapphire Reserve ® has premium travel insurance, offering up to $1 million in travel accident insurance, along with emergency evacuation and transportation insurance, emergency medical and dental benefits, and other travel insurance benefits.

If you plan to do high-risk activities and use credit card travel insurance, check your coverage and consider upgrading your travel insurance to include your desired activities.

Credit card travel insurance is helpful but sometimes limited, especially compared to adventure sports travel insurance policies. You may need to pay for travel insurance if you’re planning extreme sports or activities.

As you plan an adventurous trip, consider which travel insurance coverage may be most appropriate for your plans. Some travel insurance policies are comprehensive and cover multiple types of high-risk sports, while others are more specialized. 

Because there’s a wide variety of what’s covered (or not) on each policy, using a travel insurance comparison service such as Squaremouth can be helpful. You can search for travel insurance policies that cover the activities you’re looking for and compare costs and coverage.

Consider these types of adventure travel insurance policies or add-ons:

• Adventure Sports: On an adventure sports travel insurance policy, look for covered activities such as hiking, mountaineering, or rafting. The policy may encompass injuries, medical expenses, trip cancellations or interruptions, and equipment loss or damage.
• Extreme Sports: Travel insurance for extreme sports typically covers skydiving, bungee jumping, or rock climbing, providing coverage for accidents, injuries, medical expenses, and emergency evacuation.
• Sports Equipment: Some travel insurance offers coverage for sports equipment, which can reimburse you for loss, theft, or damage to your gear.
• Team Sports: A travel insurance policy may cover team-related expenses, such as tournament cancellations or travel delays if you travel for competitive events.
• Water Sports: Water sports travel insurance policies may cover surfing, diving, snorkeling, or water skiing. For diving coverage, you should verify that the policy covers the depths you’re planning and whether you need certifications for coverage.
• Winter Sports: Winter sports travel insurance policies are designed for winter sports enthusiasts, offering coverage for skiing or snowboarding-related injuries and emergency medical expenses or equipment loss or damage. Some also cover ski resort closures.

While you can get travel insurance for sports, including high-risk sports, most travel insurance companies have personal liability requirements . Generally, you’re required to act responsibly to use your coverage. That includes not going against local authority warnings, like entering restricted spaces, working close to dangerous animals, or not using proper safety equipment.

Do some pre-trip planning on your chosen activities to learn about the risks and requirements for everything you want to do. You may need to complete certifications or training to participate safely.

Generally, if you want travel insurance for adventurous activities, you should get quotes for a comprehensive travel insurance plan and add a hazardous sports rider. Or specialized insurance providers may offer comprehensive plans for high-risk sports and activities.

Looking for insurance companies specializing in adventure sports is often a good idea to get comprehensive coverage for all your planned activities. 

With any travel insurance policy, you should review the terms and conditions to verify your planned activities are covered. Read your policy documents for exclusions, limitations, or requirements for your chosen activities. You should also verify your coverage limits. 

If you have a health or life insurance policy, check with your insurance carrier about coverage for high-risk sports during travel. While these are likely not covered, you may be able to add a special endorsement to your policy.

Travel insurance that can evacuate you off a mountain sounds like it would be costly, but it might be more affordable than you’d think. It’s certainly less expensive than calling for your own rescue helicopter.

You should expect to pay around 5% to 10% of your total trip cost for sports travel insurance. Your actual adventure sports travel insurance costs will vary depending on your age, trip cost and duration, location, planned activities, and other factors. 

To give you an idea of what you should expect, we got a quote from IMG for an iTravelInsured Travel Sport policy. For a 29-year-old traveler on a $1,500 5-day skiing trip in the U.S., coverage costs $119.65 . 

This policy includes $1 million in medical evacuation coverage and $50,000 in search and rescue coverage. You’re covered for up to $50,000 for medical expenses due to adventure or organized sports, though hazardous and extreme sports are limited to $5,000.

Consider these factors as you compare high-risk sports travel insurance coverage:

• Claims Process and Customer Support: Get the details on what happens if you need emergency assistance or want to file a claim. For example, find out how to get medical attention if injured in a remote area and whether you’re expected to pay upfront and file for reimbursement.
• Cost: Expect adventure travel insurance to cost more than standard travel insurance. Cheaper policies tend to offer less comprehensive coverage, so consider your needs as you balance cost and coverage.
• Duration: Some sports travel insurance policies limit the length of coverage for certain activities, so make sure you have coverage for your whole trip.
• Emergency Assistance and Evacuation: You may engage in high-risk activities in remote locations or challenging environments where medical attention is unavailable immediately. A travel insurance policy can offer emergency assistance or evacuation for medical care.
• Exclusions, Limitations, and Deductibles: Every policy has limits — even extreme policies. Find out what’s excluded, the limits of what you can claim, and if you’re expected to pay a deductible before getting reimbursed. Also, understand the terms and conditions, such as duration and geographical coverage.
• Medical Coverage: With a greater risk of injuries from extreme sports, you should ensure that the insurance policy has adequate coverage for medical emergencies, including hospitalization, ambulance services, and, if needed, medical evacuation.
• Requirements: You may need to meet age limits and disclose any preexisting medical conditions to get appropriate sports travel insurance coverage.
• Reviews: Consider customer reviews and ratings, which can give insight into a travel insurance provider’s coverage quality, customer service, and claims handling.
• Sports Coverage: Find out which sports and activities are covered so you can verify yours are covered.
• Sports Equipment Coverage: If you’re traveling with costly sports equipment such as scuba gear or snowboarding equipment, compare coverage for loss, theft, or damage to your equipment.
• Trip Cancellation and Interruption: A travel insurance policy should cover trip cancellation or interruption due to sports-related injuries.

Your high-risk sports travel insurance may require you to participate responsibly. For example, terms of coverage may require you to choose reputable operators, obtain proper training or certifications, follow local regulations, and use appropriate safety gear.

Not all travel insurance providers offer sports travel insurance, but you have options. Compare these leading travel insurance policies for sports:

• battleface : battleface’s adventure sports coverage includes cycling, mountain climbing, scuba diving, canoeing, snowboarding, and more, but it has limitations, including how deep you can dive or how high you can climb.
• Cat 70 : Cat 70’s Travel Plan covers some adventure sports, including snowboarding, but excludes bodily contact sports, skydiving, scuba diving, and more.
• HTH Worldwide : The HTH Worldwide Trip Protector Preferred plan offers coverage for adventure sports, including certified divers up to 60 feet and water rafting grades 1 to 3.
• IMG : IMG’s iTravelInsured Travel Sport plan has a wide range of covered activities, including adventure, extreme, hazardous, and organized sports. However, there are exclusions for races, endurance competitions, and piloting or learning to pilot.
• John Hancock : You’re covered for some — but not all — adventure sports with a John Hancock Gold travel insurance plan. Some exclusions include diving deeper than 100 feet, participating in sports competitions, or contact sports.
• Nationwide : With a Prime plan, you can get covered for adventure sports such as cycling, fishing, rafting, and zip lining, but exclusions apply, such as extreme sports, mountaineering, and organized sports.
• Travelex : The Travelex Adventure Sports upgrade covers professional athletic events, mountain climbing, skydiving, and more. Travelex’s Travel Basic and Travel Select plans provide basic coverage for some activities, including skiing, snorkeling, and scuba diving up to 60 feet.
• World Nomads : With the World Nomads Explorer plan, you can get covered for more than 200 activities, including scuba diving, bungee jumping, and mountain biking.

The right travel insurance coverage is essential when embarking on an adventurous trip with high-risk sports or activities. Adventure sports travel insurance can coordinate medical care, offer evacuation, and save you thousands if you’re injured on a trip. Whether bungee jumping or scuba diving, sports travel insurance can provide peace of mind while you’re chasing thrills.

Frequently Asked Questions

Are adventure sports covered by travel insurance.

Adventure sports can be covered by travel insurance, but extreme sports are usually excluded from standard travel insurance coverage. Review your policy’s terms and conditions to determine whether your desired activities are covered. If not, you may want to purchase additional coverage appropriate for the activities you’re planning for your travel.

Does travel insurance cover water sports?

Travel insurance coverage for water sports varies depending on the policy and provider. For example, your standard policy may cover snorkeling, shallow diving, and surfing but could exclude deep-sea diving or white water rafting.

Does travel insurance cover sports injuries?

Travel insurance often covers sports injuries, but it depends on the sport. If you’re injured doing a sport not covered by your policy — such as ziplining or skydiving — medical care for your sports injury will not be covered. 

What travel insurance includes cover for sports equipment?

Sports travel insurance typically offers coverage for sports equipment, which can reimburse you for loss, theft, or damage of your sports equipment while traveling.

What travel insurance company covers me for extreme sports?

Several travel insurance companies cover extreme sports, including battleface, Cat 70, HTH Worldwide, IMG, John Hancock, Nationwide , Travelex, and World Nomads.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Adventure & Sports Travel Insurance

Best travel insurance for extreme sports.

Some single trip policies can cover adventurous activities that are often excluded, such as skydiving, bungee jumping, and mountain climbing. Typically, these policies also have coverage for more common activities like hiking and snorkeling.

Select policies provide benefits for sports equipment and fees, including coverage for lost or damaged equipment , and for the cost of renting new equipment if yours is delayed . The Sports Fees benefit can reimburse sports-related trip payments.

The cost of treating injuries while competing in amateur sports can be covered by some travel insurance policies. This can include coverage for injuries sustained during competitive, organized, collegiate, or scholastic sports and activities.

Water Sports

Snorkeling, fishing, and other popular activities can be covered.

Many travel insurance policies have coverage specifically for active travelers who plan to participate in water sports . These policies can include coverage for many popular cruise excursions and water activities, such as jet skiing, snorkeling, deep sea fishing, and tubing, among others. Some travel insurance policies can also cover travelers who participate in more adventurous water activities, including scuba diving, windsurfing, water skiing, and speed sailing.

Snow and Winter Sports

Coverage from snowshoeing to heli skiing.

Winter sports are often covered by travel insurance policies, including snowboarding, skiing, tubing, and snowmobiling. More adventurous sports, such as heli skiing or heli boarding, luging, and ice windsurfing, can also be covered by some policies. Certain policies are built specifically to cover travelers who want to participate in these types of extreme sports.

Air Activities

Coverage for extreme air sports, like skydiving, may be available.

Hang gliding, zip lining, or bungee jumping can be covered by some travel insurance policies. The policies that can cover these air activities may also have more comprehensive coverage for other high-flying activities. These policies can include coverage for skydiving, parachuting, piloting an aircraft, and hot air ballooning, among others.

Travel Insurance for Adventure and Sports

Land-based Activities

Mountaineering and trekking are among the covered land activities.

Travel insurance can cover many adventurous land-based activities . Mountain climbing, cave diving and riding motorcycles are among the most hazardous land-based activities that can be covered under travel insurance policies. More common land-based activities, such as hiking, cycling, go-karting, and trekking, are also covered by many policies.

Amateur Sports & Competitions

Some policies cover recreational and organized sports.

Travel insurance can cover an injury that occurs while participating in a sport. Many policies cover recreational sports and activities, and some can cover organized sports at the scholastic, collegiate, or other amateur levels. Select policies can cover professional sports.

Travel insurance coverage for sports can include popular contact sports, such as football, rugby, and hockey, as well as other sports like basketball, baseball, and golf. This also includes participating in sports or activities in a camp setting.

Have Questions?

Search extreme sports travel insurance quotes.

Search for sports and activities you will be participating in during your trip, then select "Continue to Trip Information" to complete your quote.

• Water scuba diving, kayaking, diving, rafting and more. Bamboo Rafting Banana Boating Black Water Rafting (Grades 1-3) Bodyboarding Breathing Observation Bubble (BOB) Canoe Trekking Canoeing - White Water (up to Grade 3) Canoeing - White Water (up to Grade 4) Canoeing - White Water (up to Grade 5) Canoeing (excluding white water) Cliff Jumping Coasteering (ad hoc) Coasteering (with a guide) Deep Sea Fishing Dinghy Sailing Diving Diving (high diving or spring board) Dragon Boating Fishing Free Diving Gorge Walking (no ropes) High Diving HobieCat Sailing (inshore) Hydrospeeding (White Water Grade 3) Hydrospeeding (White Water Grade 4) Ice Diving Ice Windsurfing Jet Boating Jet Skiing Kayaking Kayaking (excluding White Water) Kayaking (White Water - up to Grade 3) Kayaking (White Water - up to Grade 4) Kayaking (White Water - up to Grade 5) Kite Boarding Kite Surfing Kloofing Mixed Gas Scuba Diving (you must be qualified) Modern Pentathlon Octopush Parasailing Parasailing (over water) Rafting River Bugging River Tubing Rowing Sailing Sailing/Yachting Inshore (racing) Sailing/Yachting Inshore (recreational) Sailing/Yachting Offshore (Deep Ocean: beyond 30 miles from the shore) Sailing/Yachting Offshore (Racing: within 30 miles of the coastline) Sailing/Yachting Offshore (Recreational: within 30 miles of the coastline) Scuba Diving Scuba Diving - Mixed Gas (must be qualified) Scuba Diving (accompanied by a dive master) Scuba Diving (Must be PADI or equivalent qualified) Scuba diving to 100 ft (if accompanied by a dive master) Scuba Diving to 10m (if SSI, PADI or NAUI certified) Scuba Diving to 120 feet (PADI or NAUI certified with a dive master present) Scuba Diving to 130 feet (PADI or NAUI certified with a dive master present) Scuba Diving to 20m (if accompanied by a dive master) Scuba Diving to 20m (if SSI, PADI or NAUI certified) Scuba Diving to 30 ft (if accompanied by a dive master) Scuba Diving to 30m Scuba Diving to 50m (Must be PADI or equivalent qualified) Sea Kayaking Shark Diving (in cage) Shark Diving to Swim With & Feed Sharks Shark Tagging (volunteer work) Skeleton Snorkeling Speed Sailing Stand Up Paddle Boarding Surfing Swim Trekking Swimming Swimming (Long Distance) Swimming with Dolphins Swimrun (Utö Swimrun or similar) Tombstoning Triathlon Tubing Utö Swimrun Sweden Wakeboarding Water Polo Water Ski Jumping Water Skiing (Amateur) Waterskiing Whalewatching White Water Rafting White Water Rafting (up to Grade 3) White Water Rafting (up to Grade 4 - 6) Windsurfing Windsurfing/Boardsailing
• Winter dog sledding, glacier walking, skiing, snowboarding and more. Airboarding Bobsleighing Cross-Country Skiing/Langlauf Dog Sledding (Racing) Dog Sledding (Recreational) Glacier Walking Husky Dog Sledding Ice Climbing Ice Holing Ice Skating Ice Speedway Ice Windsurfing Luge Marathon (Arctic) Mountain Biking (Mega Avalanche or Similar) Skiing (Back country with a guide) Skiing (Back country without a guide) Skiing (Backcountry in resort) Skiing (Cat Skiing/Boarding) Skiing (Cross Country) Skiing (Free-Style) Skiing (Heli Skiing) Skiing (Moguls) Skiing (Mono) Skiing (Nordic) Skiing (Para) Skiing (Ski Biking) Skiing (Ski Blading) Skiing (Ski Boarding) Skiing (Ski Cross/Snowboard Cross) Skiing (Ski Dooing) Skiing (Ski Flying) Skiing (Ski Jumping) Skiing (Ski Mountaineering) Skiing (Ski Racing (ski school races etc)) Skiing (Ski Racing) Skiing (Ski Randonee) Skiing (Ski Stunting) Skiing (Ski Touring) Skiing (Slopestyle (no inverted aerials)) Skiing (Snowcat) Sledding/Tobogganing Sleigh Riding Sleigh Riding (Reindeer/Horse) Snow Biking Snow Blading Snow Bobbing Snow Go-Carting Snow Mobiling Snow Parascending Snow Scooting Snow Shoeing Snow Skiing (Recreational Downhill) Snow Tubing Snowboarding Snowboarding (Back-country without a Guide) Snowboarding (Backcountry in resort) Snowboarding (Freestyle/Terrain Park (inverted aerials)) Snowboarding (Freestyle/Terrain Park (no inverted aerials)) Snowboarding (Heli-boarding) Snowboarding (Recreational) Snowboarding (Slopestyle) Snowboarding (Snowboard Cross) Snowcat Driving Snowmobling Speed Flying/Riding Speed Skating Telemarking Tubing
• Air zip lining, hang gliding, hot air ballooning and more. Bridge Swinging Bungee Jumping Flying (as a licensed pilot) Flying (as a passenger in a licensed passenger carrying private/small aircraft) Hang Gliding Hang Gliding (Tandem) Hot Air Ballooning Hot Air Ballooning (Piloting) Micro Lighting Operating an Aircraft Parachute Jumping (Static Line) Parachuting Parachuting (Charity with Static Line) Parachuting (Free Fall/Sky Diving) Paragliding Paramotoring Parapenting/Parapointing Parasailing (over water) Power Gliding Sky Jumping Skydiving Skysurfing Speed Flying/Riding Tandem Skydive Wind Tunnel Flying Zip Line Zip Trekking
• Land hiking, camel riding, trekking, safari tours and more. Animal Sanctuary/Refuge Work Assault Courses Assault Courses including High Ropes ATV Quad Bike (Off-roading) Biathlon Big Game Hunting Blade Skating Blowcarting BMX BMX Cycling (no Freestyle) BMX Freestyle BMX Racing Bouldering Buggying Camel/Elephant Riding/Trekking Camping Canyoning Caravanning (Mobile Home/Trailer Camping) Cave Diving Cave Tubing Caving/Spelunking Climbing (Mountaineering up to 4,000m) Coasteering (ad hoc) Coasteering (with a guide) Cross Country Running Cycle Racing / Time Trials Cycle Touring Cycle Touring (multi-country expeditions) Cycling (Road/Recreational) Cyclo-cross Deer Stalking/Hunting Drag Racing Driving (any motorized vehicle) Fell Running Fell Walking Four x Four Off Road Driving Go-Karting Gorge Walking (no ropes) Gorilla Trekking Hiking Hiking (below 4,500 meters) Hill Walking (up to 2,000m) Historical/Battle Reenactment Horse Riding Ironman Jogging Karting (as part of an organized recreational event) Karting (Racing) Kilimanjaro (Trekking ascent) Kloofing Land Sailing/Sand Yachting Land Skiing Land Yachting Low Ropes Marathon (City/Street marathon) Modern Pentathlon Motor Cycling (above 125cc) Motor Cycling (up to 125cc inc hired motor cycle)) Motor Cycling Off Road over 250cc (non-competitive) Motor Cycling Off Road up to 250cc (non-competitive) Motor Paintball Motor Racing/Competitions (all types) Motor Rallies/Competitions (all types) Motorsport/Motor Racing Mountain Biking Mountain Biking (Competitive) Mountain Biking (Downhill) Mountain Biking (Freestyle) Mountain Biking (Mega Avalanche or Similar) Mountain Biking (Recreational not Downhill) Mountain Boarding Mountaineering Mountaineering above 14,000ft Mountaineering up to 4,000m Mountaineering up to 5,000m Off Road Motorcycling (over 250cc) Off Road Motorcycling (up to 250cc) Off-road Car Driving (4x4, dune buggying etc) Orienteering Overland Trips Paintballing Paintballing (Motor Paintball) Pony Trekking Rap Running/Jumping Rappelling/Abseiling Rock Climbing (under 2,000m) Rock Climbing (under 3,000m) Rock Climbing (under 4,000m) Rock Scrambling (under 4,000m) Roller Blading Roller Derby Roller Skating Safari (hunting with guns/bows) Safari (Wildlife/Tourist) Safari Trekking (where guns are carried by safari guides for safety) Sandboarding Scrambling Shooting (Clay Pigeon) Shooting (Target) Slack Lining Small Bore Target Shooting Storm Chasing Summer Tobogganing Trekking Trekking (Everest Base Camp) Trekking (Kilimanjaro Ascent) Trekking (up to 4,000m) Trekking (up to 4,500m) Trekking above 7,000m Triathlon Via Ferrata Volcano Climbing Zip Line Zip Trekking Zorbing
• Sport archery, basketball, soccer and more. Aerobics Amateur Athletic Field Event Amateur Athletic Track Events American Football American Football (No Division 1) Angling Archery Badminton Ball Hockey Ballet Baseball Basketball Billiards Bowling Bowls Boxing Boxing (Training) Cheerleading Climbing (indoor) Cricket Croquet Cross Country Running Curling Cycle Racing/Time Trials Dancing Dodgeball Endurance Tests Equestrian Eventing (Equestrian) Falconry Fell Running Fell Walking Fencing Field Hockey Fishing Fives Flag Football Frisbee Gaelic Football Golf Gymnastics Gymnastics (floor) Gymnastics (involving somersaults etc) Handball Highland Games (athletic events competing) Highland Games (heavyweight events competing) Horse Jumping (Show Jumping) Horse Riding Horse Riding (Dressage) Horse Riding (Eventing) Hunting Hurling Ice Hockey Ice Skating Ice Speedway Ironman Jiu Jitsu Jiu Jitsu (Brazilian) Jogging Judo Karate Karting (as part of an organized recreational event) Karting (Racing) Keep Fit Kendo Kick Boxing/Thai Boxing Kiting (flying kites) Korfball Krav Maga Lacrosse Marathon (Arctic) Marathon (City/Street marathon) Martial Arts Model Flying Modern Pentathlon Netball Paintballing Paintballing (Motor Paintball) Petanque Pigeon Racing Polo (Equestrian) Polocrosse Pool Power Lifting Quoits Rackets/Raquetball Rifle Range Ringos Roller Blading Roller Derby Roller Hockey Rounders Rowing Rugby Rugby League Rugby Training (Full Contact) Rugby Training (Not Full Contact) Rugby Union Running (City/Street Marathon) Running (keep fit) Shinty Show Jumping Skateboarding Skateboarding Freestyle Skateboarding/Downhill/Competitive Skeleton Snooker Soccer (Football) Softball Speed Trials/Time Trials Squash Squash/Rackets Table Tennis Tae Kwon Do (Competing) Ten Pin Bowling Tennis Time Trials (Cycling) Touch Rugby Tough Mudder Tough Mudder (World's Toughest) Track Track Days (E.G. Nurburgring) Car Or M/Bike Trampolining (involving somersaults) Trampolining (Recreational) Trans Savoie Big Alpine Enduro Triathlon Tug-of-War Ultra marathon (Marathon des Sables, Jungle Marathon, Arctic Marathon, UTMB etc) Volleyball War Games/Paintballing Weightlifting Wrestling Yoga

Please select if you will be participating in amateur or professional events or competitions:

Your quote results will show policies that include coverage for the activities you have chosen, however, we cannot guarantee adequate coverage for your particular trip.

Please either call us or review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

• Price My Plan

Take your Detour Travel insurance for your adventure

Plan options.

Basic protection for the casual traveler on a budget

• 100% of Trip Costs up to $1,000
• $100 reasonable expenses/day
• $25,000 maximum benefit
• up to $100 dental expenses
• $250,000 maximum benefit
• not included

Pre-Paid Expenses

• $500 maximum benefit
• $100 maximum benefit per day (after 12 hours)

Health + Safety

• up to $5,000

Gear + Personal Belongings

• $1,000 maximum benefit
• $100 per article
• $250 combined maximum
• up to $250 (after 24 hours)

Expanded coverage and benefits for adventure sports including gear rental

• 100% of Trip Costs up to $2,500
• $50,000 maximum benefit
• up to $250 dental expenses
• $500,000 maximum benefit
• up to $3,000 for lost/damaged
• $2,000 maximum benefit
• $150 maximum benefit per day (after 12 hours)
• $50,000 Maximum Benefit
• $5,000 maximum benefit
• up to $25,000
• $250 per article
• $500 combined maximum
• up to $500 (after 12 hours)

Superior benefits including extreme sport or activity coverage

• 100% of Trip Costs up to $5,000
• $100,000 maximum benefit
• up to $500 dental expenses
• $1,000,000 maximum benefit
• up to $5,000 for lost/damaged
• $200 maximum benefit per day (after 12 hours)
• $10,000 maximum benefit
• up to $50,000
• $3,000 maximum benefit
• $300 per article
• up to $750 (after 12 hours)

The benefits of @the edge , plus increased trip cancellation and interruption coverage

• 100% of Trip Costs up to $10,000

Compare Plans

* Benefits, coverage, terms and conditions and exclusions may vary by state.

Underwritten by Nationwide Life Insurance Company, Columbus, Ohio. In Washington, the plans are underwritten by Nationwide Life Insurance Company and Nationwide Mutual Insurance Company, Columbus, Ohio. Applicable to policy forms NSIGTC 2000, NSHTC 2000, SRTC 2000, or state equivalent.

Nationwide and Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company.

Detour with Confidence™

When travel gives you a Detour, take it. Whether you are preparing for an adventure of a lifetime or leading a life of adventure, Detour Travel Protection safeguards your health and well-being, prepaid expenses, and gear and personal belongings should things wander off course.

Detour is founded and operated by adventurers who live the lifestyle and understand the rewards and risks associated with experiential travel. 

Designed for U.S. residents traveling more than 100 miles from their homes, Detour’s versatile plans include enhanced benefits such as non-insurance and emergency travel assistance services. Detour’s coverage options range from basic protection for the casual traveler on a budget to extreme sports coverage for the hardcore adrenaline junkie. It’s your experience to define.  It’s our mission to protect you before and during your trip.

Eco Friendly Travel Tips

Every Day Not Just on Earth Day

Turn to Music to Rest and Digest

Literally Tune In to Reduce Stress

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Adventuresportsinsurance.com

Adventure Sports & Extreme Sports Insurance

Play Safer. Play Smarter.

We cater to the adrenaline junkie inside you that lives life without limits. Whether you’re a beginner or expert who needs protection, we have the right plan for you. If you’re thinking about the thrill of a lifetime we can cover you in the air, sea, or on land.

• Medical travel insurance options from $50,000 to $1,000,000
• Emergency evacuation of $500,000 no matter what you choose for medical coverage
• Up to $1,000,000 in adventure sports insurance plan rider
• For 10 to 180 day trips – Under the age of 65
• Covers almost every type of travel and adventure sport
• Trip cancellation of $5k up to $10k to cover non-refundable deposits
• Offers a high level of medical evacuation and optional ad&d
• For non-U.S. sports enthusiasts traveling worldwide
• The most cost-effective option we have for athletic sports

Please note this policy IS NOT valid for travel from, in, or to the United States of America

Protecting Your Adventure

We specialize in insuring adventure sports and extreme sports practitioners for sports like scuba diving, parachuting, Brazilian jiujitsu, high-altitude mountain climbing outside your home country (country of residence). Don’t waste your time shopping around for great sports travel insurance, because we have a plan that covers your activity or travel adventure, at the best possible price.

TESTIMONIES

“I highly recommend Good Neighbor Insurance to anyone! The follow-up and attention to detail are fantastic, not to mention the “Peace Of Mind”!”

“Travel insurance is difficult, especially for U.S. citizens living overseas. They looked over all of my needs and made recommendations that worked for my various travel scenarios. A tremendous relief to have all the work done for me. I can relax knowing my family is protected.”

“Great experience! Very easy and quick to get coverage that could literally be life saving in the event of a medical emergency while traveling.”

Helping you play safer, play smarter. 

Find the right plan.

Whether you’re base jumping in Dubai or parasailing in the Caribbean, we have the right plan for your protection.  We understand the drive to live life at it’s wildest, and we’re always ready to help you play safer and play smarter. 

Disclaimer :  Many of the sports travel insurance plans here, while they may cover extreme or risky sports and activities, may have specific language excluding contact sports such as judo, soccer or basketball, organized team sports, professional and semi-professional sports and athletes, as well as competition. Competition can mean being recognized as a winner, placing, ribbons, medals, awards, trophies, publicizing of rankings, wages or rewards for performance. Organized sports are sports offered through a league, team, school, intramural association, or that you sign up for or pay a fee to belong to or participate in. Please read the terms and exclusions in the carrier’s brochure or call if you have questions. Sports not specifically listed on this website may not be covered under the plans offered here. Please fill out our quote form and indicate your sport of preference. If we receive a large amount of requests for a particular sport, we’ll also consider finding a carrier to offer that sports coverage in the future if possible. At the moment, base jumping and motocross have been excluded from every carrier and plan we carry. We are working on finding another (A-rated) carrier to provide coverage once again to our base-jumping and motocross/MX fans. Stay tuned.

480-813-9100

[email protected].

Adventure And Extreme Sports Health Insurance

International extreme sports insurance and medical coverage for action sports.

Not sure which Extreme Sports Health Insurance plan to select? Scroll down to see a quick summary of each plan.

These extreme sports health insurance plans are designed for:

• Full Contact Sports Covered
• Team Sports Covered
• Hazardous Sports
• Please note that we no longer cover BASE jumping, or motocross
• For mountaineering or elevations about 14,000ft, call us or live chat for a recommendation.
• Medical and evacuation insurance for U.S. citizens traveling abroad
• Medical and evacuation insurance for non-U.S. citizens traveling outside their home country
• Political evacuation and terrorism coverage
• Various extreme sports and activity covered by different plans/riders
• Many of these plans require the additional of a rider to cover adventure sports
• ALWAYS check specific plan brochure or call us for the latest list of sports and coverages

We Recommended

Our recommended plan

Diplomat International Athletic Sports Travel Medical Insurance

International travel medical insurance with excellent coverage for adventure and interscholastic sports

Trawick SafeTreker Extreme Sports Insurance

One of our best travel insurance that covers extreme sports plans

Scroll down to see all travel plans below

More Extreme Sports Insurance Plans

Trawick safe travels medical travel insurance with sports coverage.

International travel medical insurance for non-U.S. residents traveling outside the U.S. with option to include sports coverage and AD&D

About extreme sports insurance coverage

Some of our travel insurance plans include basic sports/recreational sports without needing specialized sports insurance coverage or a rider..

Other plans include riders for most sports often with different levels or tiers of sports or adventure sports risks/extreme sports insurance coverage.

We can cover almost every adventure sport or extreme sport minus BASE jumping, and motor cross. Paragliding and skydiving is getting increasingly difficult to cover.

DogTag will even cover U.S. sports enthusiasts over 100 miles away from your home (U.S. travel within USA) and has a trip cancellation option as well. It may also have the most extensive list of covered sports (see chart here ). Regardless of which policy you are considering – We strongly suggest you always check the brochure, summary of benefits or sample certificate to verify coverage and benefits. Also check for any limitations or qualifications. (Sometimes there are elevation limits, or you must be with a certified instructor or guide, or in regards to use of certain equipment.)

For U.S. traveling outside the USA to pursue your sport/hobby as well as non-U.S. citizens, you have more options.

We’d be happy to help you select the right policy to cover your travel and your participation in your sport of choice. It may be jiu-jitsu training in Brazil or trekking in the Himalayas. Many of these plans will not cover you if competing. Even for just a trophy or recognition/standings published in a sport journal or magazine. Please be aware before you purchase or participate. Again, we are here to help you select the right policy so please feel free to call us or email us at [email protected] .

We can also cover team sports, intercollegiate , etc.. If you are a coach or a team coordinator, reach out and let us help you insure your participants and helpers. Intercollegiate team sport coverage DOES include competitive sports and awards.

Choose a higher than average benefit or evacuation amount:

You may want to consider a higher maximum medical benefit amount and evacuation benefit depending on your destination and risk. The more remote you are and the higher the risk of serious injury may mean hospital bills exceeding $250,000.

Equipment and replacement costs:

We realize that most specialized sports equipment is very expensive. Please note that most of these plans have a lost luggage benefit that will not come close to replacing costly gear. What’s more, you must be able to produce receipts if equipment is lost or damaged in order to get reimbursed. This Loss benefit should not take the place of personal property insurance.

Here at Good Neighbor Insurance it is very important for us to connect with you.

As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!

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Extreme Sports Travel Medical Insurance

Adventure Sports Covered by Trawick International

SafeTreker has four plan levels and provides coverage for over 500 sports and activities. If you are participating in a hazardous sport or activity while traveling, we recommend purchasing the SafeTreker  Extreme level plan. SafeTreker Extreme provides coverage for over 400 sports, trip cancelation and interruption, accident and sickness, search and rescue, and sports rental protection.

Trawick International 's SafeTreker plan is perfect for adventurous travelers. The plan is designed for U.S. Citizens or Residents traveling 100 miles or more from their home country. Travelers may purchase SafeTreker as their primary travel medical insurance or a secondary plan for enhanced sports coverage.

SafeTreker's List of Covered Sports

Here is a shortened list of sports and activities covered under the SafeTreker plan:

• ATV (Quad Bike) Off-Roading
• Base Jumping
• Bungee Cord Jumping
• Canoe Trekking
• Cave Diving
• Climbing (mountaineering) up to 7,000m
• Cycling (road, recreational)
• Deep-Sea Fishing
• Expeditions
• Figure Skating
• Free Diving
• Glacier Walking
• Horse Riding
• Hot Air Ballooning
• Ice Climbing
• Kite Surfing
• Luge/Bobsleigh
• Mountain Biking
• Parachuting
• Paragliding
• Parasailing
• Raquet Ball
• Rifle Range
• River Tubing
• Rock Climbing
• Sailing/Yachting
• Scuba Diving
• Shark Diving
• Snow Shoeing
• Snow Tubing
• Snowboarding
• Trampolining
• Tree Top Canopy Walking
• Trekking/Hiking
• Wake Boarding
• Water Skiing
• Windsurfing

Visit Trawick's SafeTreker website to read the entire  list of 500+ covered sports .

SafeTreker Adventure Sports Coverage

• Valid for US residents
• Coverage for over 450+ sports and activities
• Emergency medical coverage

Additional Plans Offering Adventure Sports Coverage

World Nomads offers coverage for hundreds of adventure sports as part of its Standard policy and even more under its Explorer policy. IMG offers additional coverage for adventure sports through optional riders, which travelers can purchase with their travel medical insurance. World Nomads and Patriot Travel from IMG are available to U.S. citizens/residents and non-U.S. citizens traveling abroad for an extended period of time.

IMG Patriot Travel Medical Plan

The Patriot Travel Medical Plan will cover individuals (up to age 65) for a variety of adventure sports with the purchase of their Adventure Sports Rider.

Patriot's List of Covered Sports

The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:

• Bobsledding
• Bungee jumping
• Hang gliding
• Heli-skiing
• High diving
• Hot air ballooning
• Inline skating
• Jungle zip-lining
• Mountain biking
• Parascending
• Piloting a non-commercial aircraft
• Rock climbing or mountaineering (ropes and guides to 4500m from ground level)
• Scuba diving (to 50m)
• Snowmobiling
• Snow skiing
• Whitewater rafting (to Class V)
• Wildlife safaris

All such activities must be carried out in strict accordance with the rules, regulations, and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please note this is only a summary of Adventure Sports and exclusions.

Patriot Platinum Travel Insurance

• Maximum limits up to $8,000,000
• IMG pays 100% of medical expenses in-network
• Evacuation due to Natural Disasters & Political Unrest

World Nomads Standard and Explorer Plans

The World Nomads Standard and Explorer plans will cover individuals (up to age 70) for over 150 adventure sports activities on their Standard plan and even more on their Explorer plan. The list of covered activities is dependent on what country you reside in – see this page to determine if your preferred activity is covered.

World Nomads Travel Insurance

• Coverage for 200+ adventure activities
• Generous benefits for lost and stolen bags and gear
• 24/7 emergency assistance

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Adventure Travel Insurance Plans

• Trip Cancellation and Interruption for adventure travel
• Coverage for 450+ sports and activities.
• For high-altitude climbing (4,000' and above), guide services must be vetted and approved by Trawick International.
• Includes sports equipment rental, search and rescue, and non-medical evacuation
• Emergency Medical
• 10 Day Free Look Period
• Valid for US Residents traveling within the U.S and/or internationally who have not left on their trip
• Plan must be purchased prior to departure
• Plan is available for purchase 15 months in advance of departure
• Available for travelers up to age 65 at the time of purchase
• Plan rates are per person, based on trip costs, number of days and age of traveler at the time of purchase
• Coverage for a maximum of 90 days

Privacy Policy

Trawick International’s Privacy Policy

Welcome to our website.  We appreciate your interest in us.  We take the privacy of our customers very seriously and are committed to protecting your privacy. This policy explains how we collect, use, and transfer your personal data, and your rights in relation to the personal data stored by us when you use our website or otherwise engage with our services.

Effective October 3, 2023

This policy sets out the following:

• What personal data we collect about you and how;
• How the data is used;
• Our legal basis for collecting your information;
• Who we share your data with;
• Where we transfer your information;
• How long we retain your information for;
• Your rights and choices in relation to the data held by us;
• How to make a complaint in relation to the data held by us;
• How to contact us with any queries in relation to this notice, or the personal data held by us.

Who is Trawick International?

Trawick International (“we,” “us,” or “our”) provides worldwide travel medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance, and many other products designed specifically for those traveling.  Our travel insurance programs are designed for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.  We offer an extensive worldwide network of quality physicians, hospitals, and pharmacies.  We cover employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips, and just the casual vacation traveler.  Our individually customized plans can cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay, and lost baggage.   

For the purposes of European data protection laws, if you are visiting our  website www.trawickinternational.com (or otherwise engaging with our services from the European Economic Area (or "EEA"), the data controller of your information is Trawick International.

What is personal data?

In this privacy policy, references to "personal information" or "personal data" are references to information that relates to an identified or identifiable individual. Some examples of personal data are your name, address, email, and telephone number, but it may also include information such as your IP address and location in certain jurisdictions.

What personal data do we collect?

We collect personal data that you provide to us when you sign up for our services, such as your contact information and financial information. We may also collect commercial information based on how you interact with our services, such as the products or services you’ve purchased or other Internet or network activity, such as your website browsing history or mobile device information.

Below are some more details on the type of personal data we collect.

Information that is provided by you:

In order to provide services to you we may ask you to provide personal information. This may include, amongst other things, your name, email address, postal address, telephone number, gender, date of birth, passport number, bank account details, credit history and claims history, citizenship status, marital status depending on the service you are seeking. The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point at which we ask you for it or upon request.

Some of the information that you provide may be “special category” (or “sensitive”) personal data. Sensitive personal data relates to your racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person’s sex life or sexual orientation, and can sometimes be inferred from other, non-sensitive, information that you have provided.

Information that we collect on our website:

When you visit our website, we will seek your consent to collect certain information from your device. In some countries, including countries in the EEA, this information may be considered personal information under applicable data protection laws.

Specifically, the information we are seeking to collect includes information like your IP address, device type, unique device identification numbers, browser type, broad geographic location ( e.g., country or city-level location) and other technical information. We may also collect information about how your device has interacted with our website, including the pages accessed and links clicked.

Collecting this information enables us to better understand visitors to our website, where they come from, and what content on our website is of interest to them. We use this information for our internal analytics purposes and to improve the quality and relevance of our website to our visitors.

Some of this information may be collected using cookies and similar tracking technology, as explained further under the heading “Cookies" below.

Information that we obtain from third party sources:

From time to time, we may receive personal information about you from third party sources but only where we have checked that these third parties either have your consent or are otherwise legally permitted or required to disclose your personal information to us.

For information about a third party’s usage and/or sharing of your personal data, please refer to the third party’s own privacy statement.

We may, where we are legally permitted to, also collect personal data from the following sources in order to provide services to you:

• Credit reference agencies;
• Anti-fraud and other databases;
• Government agencies;
• Electoral register;
• Court judgments;
• Sanctions lists;
• Family members; and
• In the event of an insurance claim: the other party to the claim, witnesses, experts, loss adjusters, solicitors, and claims handlers.

How is personal data used?

We may need to use your personal data in order to carry out the following activities:

• To set you up as a new client (including carrying out “know your customer” checks);
• To provide you with an insurance quote;
• To provide our products and services to you;
• To respond to your inquiries;
• To accept payments from you;
• To communicate with you about your policy;
• To renew your policy;
• To obtain reinsurance for your policy;
• To process insurance and reinsurance claims;
• For general insurance administration purposes;
• To comply with our legal and regulatory obligations;
• To model our risks;
• To defend or prosecute legal claims;
• To investigate or prosecute fraud;
• To respond to your enquiries; or
• To secure our network and our website, debug the website and repair errors;
• To conduct audits related to our interactions with you;
• To make our products and services better and to develop new products and services;
• To send you notices and information regarding our products or services, including notifying you about special promotions or offers, where we are legally permitted to do so; and
• Enforce our Terms and other usage policies and comply with legal requirements.

Our legal basis for collecting your information:

Our legal basis for collecting and using your personal data will depend on the personal data concerned and the specific context in which we collect it.

We will normally collect personal data where we need the information to provide you with our services / perform a contract with you, where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms, or with your consent.

In some cases, we may use your personal data for a legal obligation, e.g., in order to complete “know your customer” and money laundering checks before taking you on as a new client.

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory (as well as of the possible consequences if you do not provide your personal information). You are under no obligation to provide personal data to us. However, if you should choose to withhold requested data, we may not be able to provide you with certain services.

Similarly, if we collect and use your personal information in reliance on our legitimate interests (or those of any third party), we will make clear to you at the relevant time what those legitimate interests are.

If you are a UK resident, we may collect and use your personal information, including sensitive personal information, on the basis of the insurance derogation in the UK Data Protection Act 2018.

If you are an EU resident, we may collect and use your personal information, including sensitive personal information, on the basis of the substantial public interest of insurance purposes, as regulated in the General Data Protection Regulation (GDPR).

If you have questions about or need further information concerning the legal basis on which we collect and use your personal information, please contact us using the contact details provided under the “Contact Us" section below.

Who is your personal data shared with?

We may disclose your personal information with the following categories of recipients.

• To our group companies, third party service providers and partners who provide data processing services (for example data hosting and storage companies, email marketing affiliates, and payment and claims processing companies) or who otherwise process personal information for purposes that are described in this Privacy Policy (see “How is personal data used?”).
• To any competent law enforcement body, regulatory, government agency, court or other third party where we believe disclosure is necessary (i) as a matter of applicable law or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person;
• To a potential buyer (and its agents and advisers) in connection with any proposed purchase, merger or acquisition of any part of our business, provided that we inform the buyer it must use your personal information only for the purposes disclosed in this privacy policy;
• To any other person with your consent to the disclosure.

We do not sell (or exchange) your personal information for monetary compensation.

If you are a US resident, from time to time we may share your personal information with third parties for a third party’s own direct benefit and this type of sharing may be considered a sale under certain applicable laws. For more information on the type of information we may share in this manner, please contact us.

International Transfers

Your personal data may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different to the laws of your country.

Specifically, the servers of Trawick International are located in the United States. Trawick International partners with many other international companies.  This means that when we collect your information, we may process it in other countries.

We have taken appropriate safeguards to require that your personal data will remain protected in accordance with this privacy policy. We have also taken appropriate  safeguards with our third party service providers and partners.

How long is personal information retained?

We will keep your personal data on our records for as long as we have an ongoing legitimate business need to do so. This includes providing you with a service you have requested from us or to comply with applicable legal, tax or accounting requirements. It also includes keeping your data for so long as there is any possibility that you or we may wish to bring a legal claim concerning our services, or where we are required to keep your data for legal or regulatory reasons. Please contact us using the contact details provided under the “Contact Us" section below should you require further information on our record retention procedures.

We may also retain your personal data where such retention is necessary in order to protect your vital interests or the vital interests of another natural person.

Your Rights as a Data Subject

You have the right to opt out of marketing communications we send you at any time. You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are an EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

Similarly, if we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information that was lawfully collected on grounds other than consent.

You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

You may exercise any of your rights in relation to your personal data by contacting us using the details set out in the “Contact us” section at the bottom of this page.

If you are resident in the UK or EU, your principal rights under data protection law are as follows:

• the right to access;
• the right to rectification;
• the right to erasure;
• the right to restrict processing;
• the right to object to processing;
• the right to data portability;
• the right to complain to a supervisory authority; and
• the right to withdraw consent.

If you wish to access, correct, update or request deletion of your personal information, we will ask you to provide us with a copy of any two of the following documents: Driver’s license; Passport; Birth certificate; Bank statement (from the last 3 months); or Utility bill (from the last 3 months). With regards to your right of access, the first access request will be complied with free of charge, but additional copies may be subject to a reasonable fee.

In addition, you can object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information.

If we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent. You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

Contact details for other data protection authorities in the European Economic Area, Switzerland and certain non-European countries (including the US and Canada) are available  here .

If you are based in the UK or EU, you may exercise any of your rights in relation to your personal data by contacting us using email or you can use the details set out in the “Contact Us” section at the bottom of this page.

If you are resident in the US, applicable law may entitle you, upon verifiable request, to receive disclosures relating to:

• The categories and specific pieces of information we have collected;
• The categories of sources from which the personal information is collected;
• The business or commercial purpose for collecting personal information; and
• The categories of third parties with whom we share personal information.

If you wish to exercise any of the rights described above, we will ask you to verify your identity. We generally will not charge to reply to your request, but we may charge a reasonable fee or refuse your request if the request is unjustified or excessive.

Automated decision making

In some instances, our use of your personal information may result in automated decisions being taken (including profiling) that legally affect you or similarly significantly affect you.

Automated decisions mean that a decision concerning you is made automatically on the basis of a computer determination (using software algorithms), without our human review. For example, in certain instances we may use automated decisions to establish whether we will propose insurance coverage to a prospective insured. We have implemented measures to safeguard the rights and interests of individuals whose personal information is subject to automated decision-making.

When we make an automated decision about you, you have the right to contest the decision, to express your point of view, and to require a human review of the decision.

As mentioned above, we may use your personal data to send you marketing materials.

If you are a UK or EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are resident in the US, you do not need to opt-in to receive marketing materials from us, and you have the right to opt-out of receiving such communications. If you would like to stop receiving marketing information from us, please unsubscribe by clicking the “unsubscribe” link in the relevant marketing email or contacting us.

Trawick International is committed to keeping our customers’ data safe. We have security measures in place designed to protect against the loss, misuse, and/or alteration of personal data under our control. Although we cannot ensure or guarantee that loss, misuse, or alteration of data will not occur, we use our best efforts to prevent this. If you have any concerns that your Trawick International account or personal data has been put at risk, please contact us.

Our sites use cookies (a small piece of information that is placed on your computer when you visit certain websites) to distinguish you from other users, to track your browsing pattern and to build a profile of how you and other users use our sites. This helps us to provide you with a good experience when you browse any of our sites and also allows us to improve our sites. If you have an online account with us, we also use cookies to recognize you to pre-fill forms to save you time. Trawick International does not mandate cookies for you to access our sites and you may freely set your browser to reject all cookies or prompt you to accept or reject them. Some of the cookies we use are session cookies and only last until you close your browser, others are persistent cookies which are stored on your computer for longer. We may collect information through web beacons about your web browsing activities such as the address of the page you are visiting, the address of the referrer page you had previously visited, the time you are viewing the page, your browsing environment, and your display settings. We do this in order to optimize your browsing experience, the use of web-based services and provide you with relevant information on Trawick International products and services when you have opted-in to receiving such correspondence.

We will not respond to Web browser “do not track” signals. If you would like additional information about online tracking and various opt-out mechanisms, please see https://youradchoices.com/

Because we may link to social media sites, and from time to time may include third-party advertisements, other parties may collect your personally identifiable information about your online activities over time and across different web sites when you visit this Site.

Please note that not all tracking will stop even if you delete cookies.

Children's Data

Our websites and applications are not directed to children under 16 and we do not knowingly collect any personal information directly from children under 16. If you believe that we are processing personal information pertaining to a child inappropriately, we ask you to contact us using the information provided under the “Contact Us” section.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time in response to changing legal, technical, or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material Privacy Policy changes if and where this is required by applicable data protection laws.

You can see when this Privacy Policy was last updated by checking the “effective date” displayed at the top of this Privacy Policy.

Any changes will be effective only after the effective date of the change and will not affect any dispute arising prior to the effective date of the change.

If you have any questions about this Privacy Policy, please contact us using the following contact details:

Post Office Box 2284

Fairhope, Alabama USA 36533

Toll Free Telephone Number: +1 (888) 301-9289

Terms and Conditions of Use

Important information.

The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service by Trawick International Inc., in any jurisdiction where such an offer or solicitation would be unlawful or in which Trawick International, Inc., is not qualified to do so. Products and services described in this website may not be available in all jurisdictions. Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times.

All products contain certain conditions, restrictions, limitations and eligibility requirements. The information contained in this website is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services. For complete terms, exclusions and conditions applicable to the products offered please contact Trawick International .

By using this website, you agree to the terms of its use. If you do not agree to these terms, PLEASE DO NOT USE THIS WEBSITE. For additional information or questions, please contact Trawick International or your independent insurance broker or agent.

TERMS & CONDITIONS OF USE

Effective Date: October 6, 2023

INTRODUCTION

THESE TERMS & CONDITIONS OF USE (“T&C”) GOVERN YOUR USE OF TRAWICK INTERNATIONAL, INC.’S (“COMPANY”, “WE”, “OUR”, OR “US”) WEBSITE LOCATED AT WWW.TRAWICKINTERNATIONAL.COM OR OTHER WEBSITES CONTROLLED BY COMPANY AND ITS AFFILIATES AS WELL AS ANY DOCUMENTS EXPRESSLY INCORPORATED BY REFERENCE AND ANY RULES AND POLICIES PUBLISHED ON THIS WEBSITE (THE “WEBSITE”).

BY ACCESSING THIS WEBSITE, YOU AGREE TO THE T&C, REVISIONS, AND MODIFICATIONS. ALL CHANGES ARE EFFECTIVE IMMEDIATELY UPON POSTING, AND APPLY TO ALL ACCESS TO AND USE OF THE WEBSITE THEREAFTER. ANY CHANGES WILL NOT EFFECT ANY DISPUTES ARISING PRIOR TO THE EFFECTIVE DATE OF THE CHANGE. WE MAY SEND YOU NOTICES WITH RESPECT TO THE WEBSITE IN VARIOUS MEDIUMS, INCLUDING BY EMAIL ADDRESS, POSTAL MAIL, AND/OR BY POSTING ON THE WEBSITE.

ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE “ARBITRATION AND CLASS ACTION WAIVER” SECTION BELOW, AND IF YOU DO NOT OPT-OUT AS SET FORTH IN THAT SAME SECTION, YOU AGREE THAT DISPUTES BETWEEN YOU AND COMPANY OR ITS AFFILIATES WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS, OR PARTICIPATE IN, A CLASS, CONSOLIDATED, REPRESENTATIVE, COLLECTIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR ARBITRATION.

ACCESS TO THIS WEBSITE

To access the Website or some of its resources, you may be asked to provide certain personal details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete.

In addition, certain other services of the Website, such as applying for coverage, may be governed by additional or different terms and conditions. You should carefully review those terms and conditions as they are referenced and/or presented to you.

We reserve the right to withdraw, amend, disable or suspend this Website, and any service or material we provide on the Website, in our sole discretion with or without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of the T&C.

Your privacy matters to us. Your use of the Website is also subject to our Privacy Policy that is available online here (“Privacy Policy”) and is incorporated into and made a part of these Terms of Use. The Privacy Policy is subject to change, and you are encouraged to review the Privacy Policy whenever you supply the Website with any information because you agree that Company can collect, use, and share your information consistent with that policy.

RESTRICTIONS ON USE

You may use this Website only for your internal, non-commercial purposes. You agree not to use this Website in any way that violates any applicable federal, state, local or international law or regulation. You further agree to maintain and update your registration data as needed to keep it accurate, current and complete. You may not use this Website or any of the content, defined below, contained on it for any other purpose, including any unpermitted commercial purpose, unless we provide our prior written consent to such use.

Uses requiring our prior written consent include the following, without limitation:

• Co-branding this Website;
• Framing this Website;
• Using any robots, scrapers, spiders, data mining tools, or any similar device, tool, software, or process;
• Hyper-linking to specific product or coverage information; or
• Reselling or remarketing the content, as defined below.

"Co-branding" means displaying a name, logo, trademark or other means of attribution or identification of any party in a manner reasonably likely to give a user the impression that the other party has the right to display, publish or distribute this Website or its content. You will cooperate fully with Company and its affiliates in causing any unpermitted or unauthorized activity of yours or a third party authorized by you to cease immediately. To the extent that such unpermitted or unauthorized use continues after notice from Company or its affiliates, you agree to pay or reimburse us for any and all costs (including attorney fees if applicable) associated with ending or terminating such use.

You agree not to impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing).

PROHIBITED USES AND ACTIONS

Additionally, you specifically agree not to:

• decompile, reverse engineer, disassemble, modify, reduce the Website to human perceivable form or create derivative works based upon the Website or any part thereof;
• disable any licensing or control features of the Website;
• “frame” the Website or any portion thereof or otherwise cause the Website or its contents to appear to be provided by anyone except Company and its affiliates;
• merge the Website or materials with another program or create derivative works based on the Website or materials;
• remove, obscure, or alter any notice of the copyright or other proprietary legends on the Website or materials;
• sublicense, assign, translate, rent, lease, lend, resell for profit, distribute or otherwise assign or transfer the materials or access to the Website to others;
• use the Website by means of any automated program, expert system, electronic agent or “bot,” and shall not give any person or entity access to the Website;
• utilize any “scraping,” copying, republishing, licensing, or selling the data or information on the Website.

PURCHASES AND PAYMENT

Company accepts a variety of payment methods as reflected on the Website. Before you can submit a request for purchase using the Website, you may be required to provide a valid card number and associated information for a payment card that you are authorized to use, including any of or all of the following: (i) your name as it appears on the card; (ii) the credit or debit card type, (iii) the card’s expiration date; (iv) any activation numbers or codes needed to charge your card; and (v) the billing address or zip code or postal codes associated with your card. You authorize Company and/or its affiliates, payment processor to use information you submit to charge your card or other payment method for the price of purchase requested, in addition to any taxes, fees, and charges as described in the T&C, at our convenience, including as early as at the time of the purchase request is submitted.

PROPRIETARY INFORMATION & TRADE SECRETS

The material and content accessible from this Website and any other website Company or its affiliates owns, operates, licenses or controls (the “content”) is the proprietary information of Company and its affiliates or the party that provided the Content to us, and Company and its affiliates or such party retains all right, title and interest in the content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, rented, leased, distributed, modified or transmitted in any way without the prior written consent of Company and its affiliates, except that you may print out a copy of the content solely for your own personal use. In doing so, you may not remove or alter, or cause the removal or alteration of, any copyright, trademark, trade name, service mark or any other proprietary notice or legend appearing on any of the content. Modification or use of the content, except as expressly provided herein, may violate Company’s and its affiliates’ intellectual property rights or a third party’s rights. Neither title nor intellectual property rights in the content are transferred or licensed to you by these Terms or your access of this Website.

Certain information provided to you by Company or its affiliates through non-public portions of the Website may be confidential or trade secret information. You may use or disclose such information only to the extent necessary for the purposes it was disclosed to you. You may not use the Website to circumvent the terms of any referral agreement or in any other manner that is not consistent with the business purpose of the Website. When reasonable, you must return or destroy such information when you have fulfilled such purpose.

INTELLECTUAL PROPERTY

Company and its affiliates (or the party that provided to Company) are the owner or licensee of all intellectual property rights on the Website (including trademarks, service marks and logos) and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved, and we or those parties retain all rights with respect to such respective marks. In accessing the Website you agree that you will access its contents and use it solely for your personal, non-commercial use. The Website, including its contents, may not be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.

The Company’s name and logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Website, without prior written permission. You are not authorized to use our logo as a hyperlink to this Website unless you obtain our written permission in advance, although we permit you to use certain designated features of the Website to use our logo as a hyperlink for designated purposes. You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

Except as provided below, none of the materials of the Website may be copied, distributed, displayed, downloaded, or transmitted in any form or by any means without the prior written permission of Company and its affiliates or the intellectual property right owner. Unauthorized use of any materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, and/or other regulations and statutes. If you believe that any of the materials infringe on any of your intellectual property rights or rights of others, please contact us immediately at the address provided below. Except as expressly provided herein, Company and its affiliates and the third parties reserve all rights with respect to the Materials, and may pursue all legally available options under both civil and criminal laws (and may cooperate with law enforcement agencies) in the event of any violations, including but not limited to the right to terminate accounts of any user who has infringed a third party’s copyright. Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to the Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL NOT RECEIVE A RESPONSE.

HYPER-LINKS

We may hyper-link from the Website to other websites that are not maintained by, or related to, Company or its affiliates. Such hyper-links are provided as a service to you, and the other websites may not be officially sponsored by or affiliated with this Website or Company and its affiliates. Such other websites are solely responsible for their content. We are under no obligation to maintain any link on this Website and may remove any such link at any time in its sole discretion for any reason whatsoever. Access hyper-links and third party websites at your own risk.

COMPANY AND ITS AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE CONTENT OF HYPER-LINKED OR THIRD-PARTY WEBSITES. SUCH HYPER-LINKS ARE PROVIDED TO YOU “AS-IS” “WHERE IS,” AND WE SPECIFICALLY DISCLAIM ANY WARRANTIES WITH REGARD TO COMPLETENESS OR ACCURACY OF THESE HYPER-LINKS OR THE WEBSITES THAT ARE HYPER-LINKED TO THIS WEBSITE. THE INCLUSION OF ANY HYPER-LINK TO A THIRD-PARTY WEBSITE DOES NOT NECESSARILY IMPLY ENDORSEMENT BY OR AFFILIATION WITH COMPANY AND ITS AFFILIATES OF THAT WEBSITE.

SOCIAL MEDIA FEATURES

This Website may provide certain social media features that enable you to:

• link from your own or certain third-party websites to certain content on this Website.
• send e-mails or other communications with certain content, or links to certain content, on this Website.
• cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.

You may use these features solely as they are provided by us and solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

• establish a link from any website that is not owned by you.
• cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.
• link to any part of the Website other than the homepage.
• otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice. We may disable all or any social media features and any links at any time without notice in our discretion.

SUBMISSIONS

You hereby grant to Company and its affiliates the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display all stories, anecdotes, “Similes,” content, remarks, suggestions, ideas, graphics, inventions, methods, process, algorithms or other information communicated to us through this Website (collectively, the “Submission”), and to incorporate any Submission into other works in any form, media or technology now known or later developed. We may use any submission in our business (including without limitation, for products or advertising) without incurring any liability for royalties or any other additional consideration of any kind, and will not incur any liability as a result of any similarities to the submission that may appear in our future operations. By providing a Submission, you warrant that you have the right to provide the Submission and that all moral rights in the Submission have been waived.

COMPANY AND ITS AFFILIATES CANNOT AND DOES NOT GUARANTEE OR WARRANT THAT ANY FILES AVAILABLE FOR DOWNLOADING FROM THE INTERNET ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MAY HAVE CONTAMINATING OR DESTRUCTIVE PROPERTIES. YOU ARE RESPONSIBLE FOR IMPLEMENTING SUFFICIENT PROCEDURES AND CHECKPOINTS TO SATISFY YOUR PARTICULAR REQUIREMENTS FOR SECURITY, FOR ACCURACY OF DATA INPUT AND OUTPUT, AND FOR MAINTAINING A MEANS EXTERNAL TO THIS WEBSITE FOR RECONSTRUCTING LOST DATA. WE DO NOT ASSUME ANY RESPONSIBILITY OR RISK FOR YOUR USE OF THE INTERNET OR THE WEBSITE.

USE THIS WEBSITE AT YOUR OWN RISK. EXCEPT AS MAY BE EXPRESSLY STATED IN OTHER APPLICABLE TERMS AND CONDITIONS OR SIMILAR AGREEMENT, THE CONTENT IS PROVIDED “AS IS” AND "AS AVAILABLE" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY FUNCTIONS OR CONTENT CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE OF THE CONTENT OR RESULTS THEREOF IN TERMS OF ACCURACY, RELIABILITY OR OTHERWISE EXCEPT FOR THE PERSON AND/OR FOR THE USE INTENDED. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT COMPANY AND ITS AFFILIATES, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS WEBSITE OR THE CONTENT. WE MAKE NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

BY ACCESSING THIS WEBSITE, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, AND ANY SIMILAR LAW OF ANY STATE OR TERRITORY, WHICH PROVIDES AS FOLLOWS: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR."

The descriptions of products and services contained on this Website are intended to provide a reference guide to the types of products and services offered by Company and its affiliates and are not intended to be relied upon by clients or business partners. Some products and services referenced on this Website may not be available in all areas. Please contact us directly if you wish to obtain specific information concerning the products and services referenced on this Website. All of the information in this Website, whether historical in nature or forward-looking, speaks only as of the date the information was posted on this Website, and we do not undertake any obligation to update such information or to remove such information from this Website, if it is not or is no longer accurate or complete.

LIMITATION ON LIABILITY

TO THE EXTENT PERMITTED BY LAW OR REGULATION, COMPANY AND ITS AFFILIATES, ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER DAMAGES, INCLUDING LOSS OF USE, REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES THAT RELATES IN ANY WAY TO THE USE OF OUR WEBSITE OR WHICH MAY ARISE OUT OF ANY PERSON'S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. TO THE EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY AND ITS AFFILIATES AND ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID TO COMPANY OR ITS AFFILIATES FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, COMPANY’S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH STATE OR JURISDICTION WHICH YOU HEREBY CONSENT TO.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Company and its affiliates, its subsidiaries, licensors, content providers, service providers, employees, agents, officers, directors and contractors (the “Indemnified Parties”) from any breach of these T&C by you, including any use of the content other than as expressly authorized herein, and any claim that your submission violates a third party’s intellectual property or other rights, including the rights of publicity and privacy, or defames a third party. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the content and this Website.

INFORMATION YOU PROVIDE

You may not post, send, submit, publish or transmit in connection with the Website any material that:

• you do not have the right to post, send, submit, publish or transmit, including any proprietary material of a third party;
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• amounts to a "pyramid" or similar scheme;
• disobeys any policy or regulations established from time to time regarding use of this Website or any networks connected to this Website; or
• contains hyper-links to other websites that contain content that falls within any description set forth above.

WE RESERVE THE RIGHT TO MONITOR USE OF THIS WEBSITE IN ORDER TO DETERMINE COMPLIANCE WITH THESE TERMS OF USE, AND RESERVES THE RIGHT TO REMOVE OR REFUSE ANY INFORMATION FOR ANY REASON. NOTWITHSTANDING THESE RIGHTS, YOU REMAIN RESPONSIBLE SOLELY FOR THE CONTENT OF YOUR SUBMISSIONS. YOU ACKNOWLEDGE AND AGREE THAT NEITHER COMPANY AND ITS AFFILIATES NOR ANY THIRD PARTY THAT PROVIDES CONTENT TO US WILL ASSUME OR HAVE ANY LIABILITY FOR ANY ACTION OR INACTION BY US OR SUCH THIRD PARTY WITH RESPECT TO ANY SUBMISSION OF YOURS. EXCEPT AS EXPRESSLY PROVIDED HEREIN, COMPANY AND ITS AFFILIATES AND THE THIRD PARTIES RESERVE ALL RIGHTS WITH RESPECT TO THE WEBSITE, AND MAY PURSUE ALL LEGALLY AVAILABLE OPTIONS UNDER BOTH CIVIL AND CRIMINAL LAWS (AND MAY COOPERATE WITH LAW ENFORCEMENT AGENCIES) IN THE EVENT OF ANY VIOLATIONS.

ARBITRATION AND CLASS ACTION WAIVER

PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM COMPANY. Excluding claims for injunctive or other equitable relief, for all other claims related to the Website, including any goods or services purchased through the Website, any dispute or controversy arising out of or relating to this Agreement, including without limitation, any and all disputes, claims (whether in tort, contract, statutory or otherwise) or disagreements concerning the existence, breach, interpretation, application or termination of this Agreement shall be resolved by final and binding arbitration pursuant to the Federal Arbitration Act and in accordance with the JAMS Inc. Comprehensive Arbitration Rules & Procedures then in effect. There shall be no right or authority for any claims to be arbitrated on a class action basis. The arbitration shall take place in Fairhope, Alabama or at the option of the party seeking relief, by telephone, online, or via written submissions alone; however such election shall not prohibit Company from attending such an arbitration in person. Said arbitration shall be administered by JAMS. The arbitral tribunal (“Tribunal”) shall be composed of one arbitrator, who shall be independent and impartial. If the parties fail to agree on the arbitrator within twenty (20) calendar days after the initiation of an arbitration hereunder, JAMS shall appoint the arbitrator. The arbitration shall be conducted in the English language. The decision of the arbitrator will be final and binding on the parties, subject to all rights of appeal allowed by JAMS. Judgment on any award(s) rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitrator shall have the authority to determine arbitrability of any disputes arising out of or relating to this Agreement. Nothing in this Section shall prevent either party from seeking immediate injunctive relief from any court of competent jurisdiction, and any such request shall not be deemed incompatible with the agreement to arbitrate or a waiver of the right to arbitrate. The parties undertake to keep confidential all awards in their arbitration, together with all confidential information, all materials in the proceedings created for the purpose of the arbitration and all other documents produced by the other party in the proceedings and not otherwise in the public domain, save and to the extent that disclosure may be required of a party by legal duty, to protect or pursue a legal right or to enforce or challenge an award in legal proceedings before a court or other judicial authority. The arbitrator shall award all fees and expenses, including reasonable attorney’s fees, to the prevailing party. Any judgment rendered by the arbitrator may be entered in any court of competent jurisdiction.

You may choose to opt out of the agreement to arbitrate by mailing a written opt-out notice (“Notice”) to Company. The Notice must be postmarked no later than thirty (30) days after the date you accept these T&C for the first time. The Notice must be mailed to: Trawick International, Inc., Post Office Box 2284 Fairhope, Alabama USA 36533, to the attention of General Counsel. This procedure is the only mechanism by which you can opt out of the agreement to arbitrate. Opting out of the agreement to arbitrate has no effect on any other parts of this Agreement, or any previous or future arbitration agreements that you have entered into with Company or its affiliates.

GOVERNING LAW

These Terms of Use are governed and interpreted by the laws of Alabama, United States of America notwithstanding any principles of conflicts of law. We make no representation that materials on this Website are appropriate or available for use in other locations. Those who choose to access this Website from other locations do so on their own initiative and are responsible for compliance with applicable local laws.

If you are a consumer, the provisions in these T&C are intended to be only as broad and inclusive as is permitted by the laws of your State of residence. If you are a New Jersey consumer, the terms of “Disclaimer” and “Limitation of Liability” sections above do not limit or waive your rights as a consumer under New Jersey law and the provisions in this Agreement are intended to be only as broad and inclusive as is permitted by the laws of the State of New Jersey. In any event, we reserve all rights, defenses and permissible limitations under the law of your State of residence.

At this Website, Company and its affiliates make no active effort to collect personal information from individuals under the age of eighteen (18). We require that Website users must be of legal age to enter into agreements (typically, at least eighteen (18) years of age or older).

NOT A SECURITY OFFER

The information contained on this Website is not an offer to sell or a solicitation to buy any security. No security is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.

SEVERABILITY

If any part of the T&C is unlawful, void or unenforceable, that part will be deemed deleted and will not affect the validity and enforceability of any remaining provisions. The waiver of a breach of any provision of the T&C by a party will not operate or be construed as such party’s waiver of any other or subsequent breach. The T&C constitute the entire agreement between you and Company and its affiliates relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this Website will govern the items to which they pertain.

EMPLOYMENT OPPORTUNITIES

Company and its affiliates are an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, sex, religion, disability or national origin. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.

For further information, or inquiries about the T&C, please contact:

Trawick International, Inc. Attn: General Counsel Post Office Box 2284 Fairhope, Alabama USA 36533 Toll Free: (888) 301-9289

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

NOTE: THE FOLLOWING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING THE SERVICE PROVIDERS REFERENCED BELOW THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.

Pursuant to Title 17, U.S. Code, Section 512(c)(2), written notification must be submitted to the following Designated Agent/Service Provider:

Trawick International, Inc. Fairhope, Alabama USA 36533

Name of Agent Designated to Receive Notification of Claimed Infringement: Daryl Trawick

Full Address of Designated Agent to Which Notification Should be Sent: Post Office Box 2284 Fairhope, Alabama USA 36533

Telephone Number of Designated Agent: (888) 301-9289

To Be Effective, the Notification Must Include the Following:

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
• Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;
• Information reasonably sufficient to permit the service provider to contact the Complaining Party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted;
• A statement that the Complaining Party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• A statement that the information in the notification is accurate, and under penalty of perjury, that the Complaining Party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

  Call us on 01494 484800 Open Mon - Fri | 9:00 - 5:30

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EXTREME SPORTS TRAVEL INSURANCE

• Worldwide protection available
• Over 500 sports covered
• UK's leading sports insurance provider

Buy your Extreme Sports Insurance online in minutes

10% OFF ONLINE*

Independent Service Rating based on 4748 verified reviews.

Our Extreme Sports Insurance policy options

Put simply, we offer three different policy options…

1. Travel Insurance

Going abroad to take part in an extreme sport? Our Sports Travel Insurance provides cover for over 500 sports and includes cover for emergency medical and repatriation costs, trip cancellation and much more.

2. Travel Insurance Bolt-On

If you have a travel insurance policy with another provider, such as your bank or buildings society, but it does not include cover for extreme sports, we can provide a bolt-on style of protection.

3. Sports Accident Insurance

Our Sports Accident Insurance is designed to protect you whilst taking part in an extreme sport in the UK. The policy provides a range of benefits including personal liability and income protection.

Making claims clearer

AVERAGE PAY OUT 

 FOR EACH TRAVEL INSURANCE CLAIM**

OF OUR POLICY HOLDERS

NEEDED TO MAKE A CLAIM**

OUR AVERAGE CLAIMS RATING

ACCORDING TO OUR FEEFO SCORE***

Get an instant quote for Extreme Sports Insurance

Join thousands of sports enthusiasts who choose us every year

Or Call us on 01494 484800

Why choose us

30 years experience.

We have been providing tailored Sports Insurance policies for over 30 years, and today protect more than 57,000 customers a year.

Professional Claims Handling

We work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.

Underwritten by Experts

We’re pleased to offer tailored cover from AXA XL, a leading provider of insurance in the sports and leisure industry.

UK Based Customer Service Team

Our highly experienced Sales team are available to help support you with any questions that you might have.

5-Star Customer Service Rating

Thousands of happy customers have awarded us a 5-star customer service score on the independent feedback platform, Feefo.

500+ Sports Covered

Being a specialist in Sports Insurance, we provide cover for over 500 different sports & activities, far more than other providers.

What is extreme sports insurance?

Our Extreme Sports Insurance is designed to protect individuals who are taking part in extreme sports within the UK and abroad.

If you are travelling abroad to take part in an extreme sport, our Extreme Sports Travel Insurance includes cover for medical and repatriation costs, trip cancellation and curtailment, equipment cover and much more. 

If you are doing an extreme sport in the UK and need personal accident, income protection or personal liability, our Sports Accident Insurance policy is available.

You can buy your extreme sports insurance online in minutes, just start by getting a quote.  

What does our policy cover?

What our policy will cover depends on whether you are doing the extreme sport in the UK or abroad…

Frequently Asked Questions

Our Sports Travel Insurance policy provides up to £5,600 worth of equipment cover. This add-on not only protects your own equipment, but also any equipment you hire during your trip. It also covers your equipment in transit to and from your destination.

Standard travel insurance policies do not always cover extreme sports. Our Sports Travel Insurance is specifically designed to cover over 500 high risk activities such as bungee jumping, skateboarding, ski-acrobatics and many more.

Yes, our Extreme Sports Travel Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.

You can purchase our extreme sports travel insurance online up until 74 years old. Above this age you would need to call us on 01494 484800 and we will be able to refer your quote to our underwriters. Please note, our quotes are based on your age at the start date of cover.

* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only. 

** Data relates to Sports Travel Insurance claims from Jan 2023 to Dec 2023 inclusive.

*** Feefo rating relates to Sports Travel Insurance claims review score from Jan 2023 to Dec 2023 inclusive. 

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7 Best Travel Insurance For Adventure Sports In USA (2023)

Adventure sports are thrilling and exhilarating, but they also come with higher risks of injury and accidents. That’s why it’s essential to have travel insurance that covers you for the activities you plan to do on your trip. 

In this article, we’ll explain what adventure sports travel insurance is, why you need it, and how to choose the best one for your needs. We’ll also review the top 7 travel insurance companies for adventure sports in the USA, based on their coverage, benefits, and customer reviews.

Understanding Adventure Sports Travel Insurance

What is adventure sports travel insurance.

Adventure sports travel insurance is a specialized type of coverage designed to protect travelers who engage in high-risk activities during their trips. Traditional travel insurance policies may exclude or limit coverage for adventure sports, so it’s crucial to find a plan that specifically covers the activities you plan on participating in.

Adventure sports can include anything from skiing and snowboarding to bungee jumping and skydiving. Some travel insurance companies may have different definitions and classifications of what constitutes an adventure sport, so it’s important to read the policy wording carefully and check if your chosen sport is covered.

Why is it Important for Adventure Sports Enthusiasts?

Adventure sports enthusiasts need travel insurance for several reasons:

• Medical expenses: If you get injured or sick while doing an adventure sport, you may need medical attention, which can be costly in some countries. Travel insurance can cover your medical bills, ambulance fees, hospitalization costs, and even repatriation if needed.
• Emergency assistance: If you encounter a serious emergency while doing an adventure sport, such as a natural disaster, a terrorist attack, or political unrest, you may need help from professionals who can assist you with evacuation, rescue, or legal matters. Travel insurance can provide you with 24/7 emergency assistance and access to a network of experts who can help you in any situation.
• Trip cancellation and interruption: If you have to cancel or cut short your trip due to unforeseen circumstances, such as illness, injury, death of a family member, or bad weather, you may lose your prepaid deposits and bookings for your adventure activities. Travel insurance can reimburse you for your non-refundable expenses and cover the additional costs of returning home early or rescheduling your trip.
• Personal belongings: If you travel with expensive equipment or gear for your adventure sports, such as skis, snowboards, bikes, or cameras, you may want to protect them from theft, loss, or damage. Travel insurance can cover the cost of repairing or replacing your personal belongings if they are stolen or damaged during your trip.

Top 7 Travel Insurance Companies for Adventure Sports in the USA

Based on our research and analysis, here are the top 7 travel insurance companies for adventure sports in the USA:

1. SafetyWing

SafetyWing is a popular choice for digital nomads and long-term travelers who want flexible and affordable travel insurance that covers them for a wide range of adventure sports. 

SafetyWing offers two plans: Nomad Insurance and Remote Health. Nomad Insurance is a travel medical insurance that covers you for up to 365 days in any country except your home country. It covers over 150 adventure sports and activities, including skiing, snowboarding, surfing, scuba diving, hiking, biking, and more. 

Remote Health is a comprehensive health insurance that covers you worldwide, including your home country. It covers over 100 adventure sports and activities, including skiing, snowboarding, surfing, scuba diving, hiking, biking, and more.

SafetyWing has some unique features that make it stand out from other travel insurance companies:

• You can buy or renew your policy online at any time, even after your trip has started.
• You can choose your start date and end date of coverage, and pay monthly or quarterly.
• You can add children under 10 years old to your policy for free (one child per adult).
• You can visit any hospital or doctor of your choice within their network of providers.
• You can enjoy free access to telehealth services through their partner PlushCare.

SafetyWing has received positive reviews from customers who praise its ease of use, customer service, and claim process. However, some customers have complained about its high deductible ($250), limited coverage for dental and vision care ($1k), and lack of trip cancellation and interruption coverage.

SafetyWing’s Nomad Insurance costs $40 per month for travelers aged 18-39 years old. Remote Health costs $153 per month for travelers aged 18-39 years old.

2. VisitorsCoverage

VisitorsCoverage is a leading online marketplace that offers a variety of travel insurance plans from different providers. VisitorsCoverage allows you to compare and buy travel insurance plans that suit your needs and budget. VisitorsCoverage has several plans that cover adventure sports and activities,

such as Atlas Travel Insurance from Tokio Marine HCC-MIS Group (TMHCC), Patriot Travel Medical Insurance from International Medical Group (IMG), and Liaison Travel Insurance from Seven Corners.

VisitorsCoverage has some advantages that make it a reliable and convenient option for travelers:

• You can compare and buy travel insurance plans from multiple providers in one place.
• You can customize your coverage by choosing your deductible, policy maximum, and optional riders.
• You can get instant quotes and confirmation online, and receive your policy documents by email.
• You can access 24/7 customer support and claim assistance by phone, email, or chat.

VisitorsCoverage has received positive feedback from customers who appreciate its user-friendly website, competitive prices, and helpful customer service. However, some customers have reported issues with claim delays, denials, and communication.

VisitorsCoverage’s travel insurance plans vary in price depending on the provider, plan, coverage, and traveler’s age. For example, Atlas Travel Insurance costs $1.12 per day for travelers aged 18-29 years old with a $250 deductible and a $50k policy maximum.

3. Seven Corners Travel Insurance

Seven Corners is a reputable travel insurance company that offers a range of plans for different types of travelers. Seven Corners has two plans that cover adventure sports and activities: RoundTrip Choice and Wander Frequent Traveler Plus. 

RoundTrip Choice is a trip protection plan that covers you for up to 90 days per trip. It covers over 30 adventure sports and activities, including skiing, snowboarding, scuba diving, bungee jumping, and more. 

Wander Frequent Traveler Plus is a travel medical plan that covers you for up to 45 days per trip. It covers over 150 adventure sports and activities, including skiing, snowboarding, scuba diving, bungee jumping, and more.

Seven Corners has some benefits that make it a trustworthy and attractive option for travelers:

• You can cancel your policy for any reason within 10 days of purchase and get a full refund.
• You can extend your coverage up to one year if your trip is longer than expected.
• You can use their online portal to manage your policy, file claims, and track your status.
• You can access their worldwide network of doctors and hospitals through their Wellabroad app.

Seven Corners has received positive reviews from customers who commend its comprehensive coverage, fair prices, and responsive customer service. However, some customers have experienced problems with claim processing, documentation, and verification.

Seven Corners’ travel insurance plans vary in price depending on the plan, coverage, and traveler’s age. For example, RoundTrip Choice costs $88 for a 10-day trip for travelers aged 18-34 years old with a $0 deductible and a $20k policy maximum. Wander Frequent Traveler Plus costs $120 for a 6-month period for travelers aged 18-29 years old with a $250 deductible and a $1M policy maximum.

4. Generali Global Assistance

Generali Global Assistance is a well-known travel insurance company that offers three plans for different levels of coverage: Standard, Preferred, and Premium. Generali Global Assistance covers over 20 adventure sports and activities,

such as skiing, snowboarding, surfing, scuba diving (up to 100 feet), hiking (up to 14k feet), biking (up to 15k feet), and more.

Generali Global Assistance has some features that make it a solid and reliable option for travelers:

• You can cancel your policy for any reason within 10 days of purchase and get a full refund (as long as you haven’t filed a claim or departed on your trip).
• You can add optional coverages to enhance your protection, such as Cancel For Any Reason (CFAR), Medical Upgrade (for higher medical limits), or Sporting Equipment Rental (for renting gear or equipment).
• You can use their online tools to find a doctor or hospital near you, check the status of your claim, or request assistance.
• You can enjoy free access to identity theft resolution services through their partner Identity Theft Resource Center (ITRC).

Generali Global Assistance has received positive feedback from customers who value its extensive coverage, reasonable prices, and helpful customer service. However, some customers have encountered difficulties with claim denials, exclusions, and communication.

Generali Global Assistance’s travel insurance plans vary in price depending on the plan, coverage, and traveler’s age. For example, Standard costs $63 for a 10-day trip for travelers aged 18-34 years old with a $0 deductible and a $50k policy maximum.

5. World Nomads

World Nomads is a popular travel insurance company that caters to adventurous travelers who want flexible and comprehensive coverage for their trips. World Nomads offers two plans: Standard and Explorer. Standard covers over 200 adventure sports and activities,

such as skiing (on-piste), snowboarding (on-piste), surfing (up to 10 feet), scuba diving (up to 165 feet), hiking (up to 19k feet), biking (on-road), and more. Explorer covers over 300 adventure sports and activities, such as skiing (off-piste), snowboarding (off-piste), surfing (over 10 feet), scuba diving (over 165 feet), hiking (over 19k feet), biking (off-road), and more.

World Nomads has some advantages that make it a preferred option for travelers:

• You can buy or extend your policy online at any time, even if you’re already traveling.
• You can choose your country of residence and your destination country, and get coverage for multiple countries in one trip.
• You can support a social cause by donating to one of their community development projects around the world.
• You can access their travel guides, blogs, podcasts, and forums to get inspiration and tips for your trip.

World Nomads has received positive reviews from customers who appreciate its flexible and comprehensive coverage, competitive prices, and friendly customer service. 

However, some customers have complained about its high deductible ($100), limited coverage for personal belongings ($1k), and strict claim requirements.

World Nomads’ travel insurance plans vary in price depending on the plan, coverage, and traveler’s age. For example, Standard costs $76 for a 10-day trip for travelers aged 18-39 years old with a $100 deductible and a $100k policy maximum. Explorer costs $118 for a 10-day trip for travelers aged 18-39 years old with a $100 deductible and a $100k policy maximum.

6. Nationwide

Nationwide is a well-established travel insurance company that offers four plans for different levels of coverage: Essential, Choice, Luxury, and Adventure. Nationwide covers over 40 adventure sports and activities,

such as skiing, snowboarding, surfing, scuba diving (up to 130 feet), hiking (up to 15k feet), biking (on-road), and more. Adventure is a special plan that covers over 100 adventure sports and activities, such as skiing (off-piste), snowboarding (off-piste), surfing (over 10 feet), scuba diving (over 130 feet), hiking (over 15k feet), biking (off-road), and more.

Nationwide has some benefits that make it a reliable and attractive option for travelers:

• You can add optional coverages to enhance your protection, such as Cancel For Any Reason (CFAR), Medical Upgrade (for higher medical limits), or Rental Car Damage (for renting a car).
• You can use their online tools to file claims, check the status of your claim, or request assistance.
• You can enjoy free access to concierge services through their partner Signature Travel Network.

Nationwide has received positive feedback from customers who value its extensive coverage, fair prices, and helpful customer service. 

However, some customers have encountered problems with claim processing, documentation, and verification.

Nationwide’s travel insurance plans vary in price depending on the plan, coverage, and traveler’s age. For example, Essential costs $54 for a 10-day trip for travelers aged 18-34 years old with a $0 deductible and a $50k policy maximum. Adventure costs $108 for a 10-day trip for travelers aged 18-34 years old with a $0 deductible and a $250k policy maximum.

7. Travelex

Travelex is a reputable travel insurance company that offers two plans for different levels of coverage: Travel Basic and Travel Select. Travelex covers over 50 adventure sports and activities,

such as skiing, snowboarding, surfing, scuba diving (up to 150 feet), hiking (up to 15k feet), biking (on-road), and more.

Travelex has some features that make it a solid and reliable option for travelers:

• You can cancel your policy for any reason within 15 days of purchase and get a full refund (as long as you haven’t filed a claim or departed on your trip).
• You can add optional coverages to enhance your protection, such as Cancel For Any Reason (CFAR), Medical Upgrade (for higher medical limits), or Adventure Sports Coverage (for additional sports and activities).
• You can enjoy free access to travel assistance services through their partner On Call International.

Travelex has received positive reviews from customers who appreciate its comprehensive coverage, reasonable prices, and helpful customer service. 

However, some customers have experienced issues with claim delays, denials, and communication.

Travelex’s travel insurance plans vary in price depending on the plan, coverage, and traveler’s age. For example, Travel Basic costs $52 for a 10-day trip for travelers aged 18-34 years old with a $0 deductible and a $15k policy maximum. Travel Select costs $79 for a 10-day trip for travelers aged 18-34 years old with a $0 deductible and a $50k policy maximum.

Factors to Consider When Choosing Adventure Sports Travel Insurance

When choosing adventure sports travel insurance, you should consider the following factors:

• Coverage for specific sports and activities: You should check if the travel insurance plan covers the specific sports and activities you plan to do on your trip. Some plans may have exclusions or limitations for certain sports and activities, such as requiring a license, certification, or supervision. You should also check if the plan covers any equipment or gear you need for your adventure sports, such as skis, snowboards, bikes, or cameras.
• Medical coverage and emergency assistance: You should check the medical coverage and emergency assistance provided by the travel insurance plan. You should look for a plan that offers adequate medical limits, covers pre-existing conditions, and provides 24/7 emergency assistance. You should also check if the plan covers evacuation and repatriation costs in case of a serious injury or illness.
• Trip cancellation and interruption coverage: You should check the trip cancellation and interruption coverage offered by the travel insurance plan. You should look for a plan that covers you for unforeseen events that may cause you to cancel or cut short your trip, such as illness, injury, death of a family member, or bad weather. You should also check if the plan offers Cancel For Any Reason (CFAR) coverage, which allows you to cancel your trip for any reason and get a partial refund.
• Cost of the insurance policy: You should compare the cost of different travel insurance plans and choose the one that fits your budget and needs. You should consider the deductible, policy maximum, and optional riders that may affect the price of the plan. You should also look for discounts or promotions that may lower the cost of the plan.

Hi, my name is Sayan Dutta and I’m the creator of the ReadUs24x7. I am an Electronics and Telecommunication Engineering by qualification & digital marketer by profession. I am a passionate digital marketer, blogger, and engineer. I have knowledge & experience in search engine optimization, digital analytics, google algorithms, and many other things. I have knowledge in WordPress Website Development as well as image designing.

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Travel Insurance Statistics: Business Insider's Travel Insurance Survey

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Business Insider conducted a travel insurance survey of 971 US adults in December 2023 through Momentive AI Audience.

• It found that most travelers who bought travel insurance were concerned about their travel provider or their health.
• The survey also uncovered that most travelers would be willing to pay for insurance in the future.
• Compare the best travel insurance companies .

About 80% of those surveyed traveled for non-business reasons in the past year. Those travelers were most likely to travel internationally, by airplane (24%), or across state lines, by car (24%) or by airplane (18%). About 15% of respondents had traveled within their own state, by car. Of travelers surveyed, most (56%) paid $1,000 or less for their trip, while the vast majority (77%) paid $2,000 or less for their trip.

Among those travelers:

• The largest group of insured travelers (35%) bought insurance primarily because they feared issues like delayed flights or moved reservations, while about 29% were worried about a health emergency
• When researching travel insurance options, many buyers (28%) used suggestions and recommendations from family and friends
• The majority of insured travelers (55%) purchased their policy through a travel provider
• Of travelers who did not purchase insurance, 35% said their primary reason was because they'd never needed it on previous travels, and 19% said they didn't think their trip was expensive enough to insure
• Most people surveyed (68%) say they would be willing to pay some amount for travel insurance in the future

Why people buy travel insurance

Roughly 38% of surveyed travelers purchased insurance for their trip. About 13% of overall respondents purchased cancellation insurance, and 11% purchased cancel for any reason insurance (CFAR) . Another 14% said they purchased travel insurance, but were unsure what kind. The average cost of travel insurance varies by trip cost, destination, and age, but typically falls between $80 and $160 for a $2,000 trip.

The largest group of travelers (35%) who bought insurance did so primarily because they were concerned about the travel provider they booked with, and feared issues like delayed flights or moved reservations. About 29% were worried about having a potential health issue, and about 18% found the value or overall price to be appealing. About 11% said they always buy travel insurance out of habit, and just 5% said a friend had recommended it.

However, the largest percentage (28%) of travelers who purchased insurance researched their options by asking a friend or family member, followed by a review site, blog, or social media influencer (24%). Another 22% of respondents researched their options through a travel agent, and about 19% said they didn't do research at all.

Where travelers purchase their policies

The majority of insured travelers (55%) purchased a policy through a travel provider such as a booking engine like Expedia, or through an airline, a cruise provider, a tour group, or similar. The next most common place to purchase insurance was a travel agent (17%), followed by an insurance marketplace (13%).

Of those who responded to the survey, about 18% had purchased travel insurance and made a claim, while 24% had not made a claim on their coverage. Of those who made a claim, about half were satisfied with the outcome, and half were not.

When asked if they use any travel insurance features from their credit card — like trip delay coverage, baggage delay coverage, or rental car coverage — 33% of overall respondents said they did. However, more than a third of respondents whose credit cards carry these features said they still purchased separate travel insurance. Another 33% didn't know whether their cards come with this type of coverage.

Many travelers still don't see the need for insurance

About 62% of travelers surveyed did not purchase travel insurance; of those travelers, 35% said their primary reason to forgo insurance was because they'd traveled before and never needed it. About 19% said they didn't think their trip was expensive enough for insurance, and about 14% said they were trying to save money. About 13% said travel insurance never occurred to them. Only about 5% said they get travel insurance elsewhere, like through a credit card.

Travelers whose trips went as planned were largely happy with their decision not to purchase travel insurance: Over 70% said they didn't regret their decision to pass on a policy because nothing went wrong on their trip. Another 24% said they don't regret their choice simply because they never thought about travel insurance. About 6% of respondents felt differently: Nearly 4% wish they had purchased insurance because it would have given them peace of mind, and 2% regret their choice because something went wrong on their trip.

Most travelers would be willing to pay for insurance in the future

This holiday season, thousands of travelers experienced cancellations and delays and were even stranded at airports when Southwest airlines canceled 60% of its flying schedule , leaving travelers with little recourse. 

About 68% of travelers surveyed by Insider — both those who had and hadn't purchased travel insurance in the past year — said they'd be willing to pay for travel insurance in the future to protect a weeklong, non-business trip. Most (49%) were willing to pay up to $150 for coverage, and some (13%) were willing to pay up to $250. Only about 5% were willing to pay more than $250, and about 32% were not willing to pay at all.

As we continue to see travel delays and disruptions, travel insurance will become more important and will be viewed as a necessity and not just an expense. The cost of travel insurance is small relative to the trip costs you can protect.

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Travel insurance

Best travel insurance companies of July 2024

Amy Fontinelle

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 11:30 a.m. UTC July 1, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best travel insurance company of 2024 , based on our in-depth analysis of travel insurance policies. Its Atlas Journey Elevate plan gets the top score in our rating because of the extensive coverage it provides for the price. It offers best-in-class emergency medical and evacuation benefits, as well as high limits for baggage insurance.

Best travel insurance of 2024

• WorldTrips : Best travel insurance.
• Travel Insured International : Best for emergency evacuation.
• TravelSafe : Best for missed connections.
• Aegis : Cheapest travel insurance.
• Travelex : Best for families.
• AIG : Best for add-on coverage options.
• Nationwide : Best for cruise itinerary changes.

Why trust our travel insurance experts

Our travel insurance experts evaluate hundreds of insurance products and analyze thousands of data points to help you find the best trip insurance for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best travel insurance companies

Best travel insurance.

Top travel insurance plans

Average cost, medical limit per person, why it’s the best.

If you’re looking for the best travel insurance for international travel , WorldTrips’ Atlas Journey Elevate plan gives you $250,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage. 

See our full WorldTrips travel insurance review .

Pros and cons

• $250,000 in primary medical coverage.
• $1 million per person in medical evacuation coverage.
• Primary damage or loss baggage coverage of $500 per item, up to $2,500.
• 5 optional upgrades, including pet care, adventure sports and rental car damage and theft.
• No non-medical evacuation coverage.

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 428 reviews of policies purchased through the travel insurance comparison site since 2008. 

Heidi’s expert take:   “WorldTrips offers primary coverage for emergency medical expense and for baggage damage or loss. This means the insurer will pay for your claim first and then seek recovery from any responsible third party, such as your health insurance provider, airline or homeowners insurance company (if your belongings are stolen). Travel insurance with secondary medical coverage might be cheaper, but then you’d have to file claims with third parties yourself, before you could turn to your travel insurance for help.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for emergency evacuation

Travel insured international.

Top travel insurance plan

If you’re traveling to a remote area, consider Travel Insured International’s Worldwide Trip Protector. It has the best travel insurance for emergency evacuation of travel insurance policies in our rating. This top travel insurance plan provides up to $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits.

• Only plan in our rating that offers $150,000 in non-medical evacuation coverage.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person is only available for cruises and tours.

Travel Insured International has a rating of 4.39 stars out of 5 on Squaremouth, based on 3,402 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “The Worldwide Trip Protector plan provides rare non-medical evacuation benefits of up to $150,000. If you’re traveling to an area at risk of a political, security or national disaster, this emergency evacuation coverage could help get you back to safety.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for missed connections

TravelSafe offers good travel insurance for missed connections , with $2,500 in missed connection coverage for each person on the plan.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of our best-rated travel insurance plans.
• No “interruption for any reason” coverage option.
• Weak baggage delay coverage of $250 per person after 12 hours.

TravelSafe has a rating of 4.3 stars out of 5 on Squaremouth, based on 1,506 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you miss out on prepaid vacation plans because you didn’t make a connecting flight, you’ll be glad for the $2,500 missed connection coverage. Some policies only provide missed connection coverage for cruises and tours, but TravelSafe Classic doesn’t impose that restriction.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Cheapest travel insurance

Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. This is based on the average cost of seven international trips of varying lengths and values for travelers of different ages.

See our full Aegis travel insurance review .

• Cheapest of our best trip insurance plans.
• Pet care benefit of $500 under travel delay benefits.
• Low emergency medical and evacuation limits.
• Low missed connection benefit of $500 per person for cruises and tours only.
• Low baggage and personal items loss benefit of $500 per person.

Aegis has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,111 reviews of policies purchased on the travel insurance comparison site since 2013.

Heidi’s expert take:   “If you’re looking for a  budget travel insurance policy , Go Ready Choice may fit the bill. It has comparably low coverage limits, but if you have health insurance that will cover you on your trip, its $50,000 in secondary medical coverage may be sufficient.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for families

Top-scoring plan

Travelex Insurance Services has the best travel insurance for families because you can add kids aged 17 and younger to your Travel Select plan at no additional charge.

See our full Travelex travel insurance review .

• Free coverage for children 17 and under on the same policy.
• Robust travel delay coverage of $2,000 per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Low emergency medical coverage of $50,000 per person.
• Non-medical evacuation is not included.
• Low baggage delay coverage of $200 requires a 12-hour delay.

Travelex has a rating of 4.43 stars out of 5 on Squaremouth, based on 2,048 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you’re traveling with kids, a Travelex policy will cover them, too. The number of children you can add to your policy is unlimited and they’ll get travel protection at no additional cost.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, making it the best traveler insurance for add-on options . These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

See our full AIG travel insurance review .

• Bundle upgrades allow you to customize your travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Heidi’s expert take: “You can add riders to your AIG travel insurance policy to maximize your coverage. Choose from these bundles: adventure sports, medical, pet, quarantine, security and wedding. You may also want to add “cancel for any reason” coverage and rental vehicle damage coverage.”  Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for cruise itinerary changes

Nationwide’s Choice Cruise is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Choice Cruise also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

See our full Nationwide travel insurance review .

• Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” upgrade available.

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

  Heidi’s expert take: “This plan has protections for cruisers when it comes to prepaid expenses. But its emergency medical coverage is secondary, which means you’d have to file medical claims with your health insurance company first. Since U.S. health insurance won’t help you at sea, you may want to look for cruise travel insurance with primary medical coverage instead.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Compare the best travel insurance plans

Via Compare Coverage’s website

Heidi’s expert take: “Here are my tips on how to buy travel insurance that gets you the most coverage for the lowest price: Buy early . Getting travel insurance within two weeks of making your first trip deposit may qualify you for coverage of pre-existing medical conditions, and it won’t cost you any extra.  Look for primary emergency medical coverage . If you buy a plan with secondary coverage, you’ll have to file a claim with your health insurance first, even if you know it will be denied.  Don’t overinsure . Calculate the value of only your prepaid, nonrefundable trip expenses that are not already covered by other insurance (like credit card travel insurance or health insurance, if your coverage extends to where you are traveling). Even if this value is $0, you can still buy travel insurance for the travel medical insurance benefits, and you’ll only be paying for the insurance you need.  Understand exclusions . If you are planning to go scuba diving, for instance, make sure this adventure activity is not excluded from a policy’s coverage. If so, you may need to pay for a rider or shop for another plan that offers the coverage you need.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

• Best cruise travel insurance
• Best COVID travel insurance
• Best “cancel for any reason” travel insurance
• Best senior travel insurance

Best travel insurance for cruises

The best cruise travel insurance is Atlas Journey Preferred sold by WorldTrips . This plan offers solid travel insurance for cruises for a low rate.

Best travel insurance for COVID-19

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners . It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

Best travel insurance for “cancel for any reason” 

The best “cancel for any reason” (CFAR) travel insurance is Seven Corners’ Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg . It is an affordable travel insurance plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your prepaid, nonrefundable trip costs . 

How much you pay for travel insurance will depend on:

• The cost of your trip.
• Your destination.
• The length of your trip. 
• The ages of travelers being insured.
• Your state of residence.
• The travel insurance policy you choose.
• The total coverage amounts in your policy.
• Any travel insurance add-ons you select. 

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance. 

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel: 

• Emergency medical coverage: At least $50,000. 
• Medical evacuation coverage: At least $100,000. 

If you’re going on a cruise, or to a remote location, Squaremouth recommends: 

• Emergency medical coverage: At least $100,000. 
• Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance policies to have at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage. 

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. 

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits: 

• You may be able to add on “ cancel for any reason” (CFAR) coverage , an upgrade that is typically only available for a limited time after you’ve started paying for your trip. 
• You may qualify for a pre-existing medical conditions exclusion waiver, meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.
• You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters. 

Expert tip: You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing conditions exclusion waiver or to buy a “cancel for any reason” upgrade.

Where can I buy travel insurance?

You can buy a travel insurance plan:

• Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth or Travelinsurance.com to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
• In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Travel insurance trends in 2024

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise, travelers have more to lose if their plans are disrupted. 

Based on travel insurance quote requests on the Squaremouth website last month, these are the main benefits travelers are looking for in a travel insurance policy.

*Source: Squaremouth.com. Travel insurance quote filter usage from May 24 to June 23, 2024.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• $3,000, 8-day trip to Mexico for two travelers age 30.
• $3,000, 8-day trip to Mexico for two travelers age 70.
• $6,000, 17-day trip to Italy for two travelers age 40.
• $6,000, 17-day trip to Italy for two travelers age 65.
• $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

If you’d like to dig in deeper, head over to our travel insurance ratings methodology page.

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Explore and Atlas Journey Elevate — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages:

• Trip cancellation . With trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business. 
• Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation. 
• Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home. 
• Travel medical . Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling. 
• Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling. 
• Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200. 
• Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.  

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said James Clark, spokesperson for Squaremouth. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems: 

• Bankruptcy of a travel insurance company, such as your airline or tour operator. 
• Dangerous weather conditions.
• Delayed and lost luggage.
• Illness or death in your family that requires you to stay home or cut your trip short.
• Illness that needs medical attention.
• Injury requiring medical evacuation.
• Jury duty. 
• Travel delays and missed connections.
• Theft of your personal belongings while traveling.
• Unexpected job loss. 

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

• Accidents or injuries caused by drinking or drug use.
• Canceling your trip because you changed your mind.
• Ending your trip early because you changed your mind.
• Losses caused by intentional self harm, including suicide.
• Losses due to war, civil disorder or riots.
• Medical tourism.
• Medical treatment for pre-existing conditions.
• Mental health care.
• Natural disasters that begin before you buy travel insurance.
• Non-medical evacuation.
• Normal pregnancy. 
• Medical treatment related to high-risk activities.
• Routine medical care, such as physicals or dental care.
• Search and rescue.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically. 

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits. 

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department. 

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events. 

Some credit cards , such as the Chase Sapphire Preferred® Card , offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation .

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

• Travel Insured International — Rental car damage and theft coverage of $50,000.
• WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible. 

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations. 

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill. 

Wondering if travel insurance is worth it? What travel insurance covers

Editor’s Note: This article contains updated information from previously published stories:

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• How 2020 and COVID-19 changed travel forever – and what that means for you
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• Sunday: Snow is over, but flight cancellations top 12,000
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• What’s the difference between travel insurance and trip ‘protection’?
• How to choose the right travel insurance for your next vacation
• Travel insurance can save the day
• Angry passengers brawl after Spirit cancels flights
• What to do when travel insurance doesn’t work
• How lockdowns, quarantines and COVID-19 testing will change summer travel in 2021
• Travelers will pay and worry more on summer vacation this year. But they won’t cancel
• How to find a hotel with COVID testing and quarantine facilities wherever you travel
• Yearning to travel in 2022? First, figure out your budget – then pick a destination
• Pro tips for surviving a long flight during a pandemic: Get the right mask, bring a pillow
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• Post-pandemic travel: Is it OK to ask another passenger’s vaccine status or request they mask up?
• These days, forgetting these important travel items could cost you thousands of dollars
• International travel hacks: When to book flights and hotels, how to deal with COVID-19 rules
• Traveling post-coronavirus: How do you book your next trip when so much remains uncertain?
• The COVID-19 guide to holiday travel – and the case for why you shouldn’t go this year
• Should you travel during the holidays? Americans struggle with their decision
• ‘There’s still pent-up demand’: What you should know about fall travel
• Planning for life after coronavirus: When will we know it’s safe to travel again?
• ‘Busiest camping season’: Travelers choose outdoor recreation close to home amid COVID-19 pandemic
• Considering a camping trip this summer? Tips to make sure your gear is good to go
• RVing for the first time? 8 tips for newbies I wish I’d known during my first trip
• Five myths about travel agents
• Should I buy travel insurance?
• Is travel insurance stacked against you?
• Five myths about travel insurance and terrorism
• These eight things could get your travel insurance claims rejected
• There’s a good chance that your credit card already gives you some kind of travel insurance coverage
• How to avoid a hotel cancellation penalty
• Change fees and travel insurance continue to rise

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Do you need travel insurance this summer?

It can be complicated to navigate all the options. christopher elliott is here to help.

By Christopher Elliott

6:00 PM on Jun 26, 2024 CDT

If you’re planning to travel somewhere this summer, you’re probably thinking of buying travel insurance.

Kingsley Hopkins is. He’s headed to Portugal and Iceland with his girlfriend, and he wants to make sure he’s covered for things like medical emergencies or trip disruptions, “or if a volcano erupts,” he says.

But getting the right travel insurance can be complicated. There’s no one-size-fits-all policy, and Hopkins, an assistant editor at a book publishing company in New York, has been spending a lot of time thinking about how to protect his summer vacation.

Chances are, so have you.

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Why finding the right travel insurance is so hard

Most surveys suggest this will be a record summer for travel. How much of a record? Demand is so high that some airlines are afraid they will run out of planes. Now that’s busy.

At the same time, danger and uncertainty are lurking everywhere — wars in Europe and in the Middle East, the usual slate of natural disasters like hurricanes and maybe a volcano or two. It’s no wonder people are giving some serious thought to insurance.

Older travelers are particularly worried. And they should be, says P.K. Rao, CEO of INF Visitor Care . Claims by travelers over age 50 spike during the summer months.

“According to our claim data, medical emergencies tend to uptick during the summer, especially for those going on trips that involve outdoor activities,” he says.

But there are so many choices out there, including credit card coverage, medical evacuation membership programs and standalone travel insurance. What should you get?

You need peace of mind

But don’t just reflexively start shopping for a travel insurance policy this summer. Instead, look for peace of mind, knowing that if something goes wrong, you’ll be taken care of.

“Knowing you’re protected from unforeseen travel mishaps — like delays, lost baggage and even medical emergencies — can make the trip that much more enjoyable,” says Daniel Durazo, a spokesman for Allianz Partners USA .

As it turns out, there are several ways to get the peace of mind you need. And there are times when you can safely skip travel insurance.

This is when you don’t need insurance

Here’s when you can skip travel insurance, according to experts:

• If you already have coverage. “You may already have travel coverage through your benefits at work, your credit card or through group benefits with an organization,” says Jiten Puri, CEO of PolicyAdvisor.com . If you do, there’s no need to buy more coverage. You’re all set.
• If you’re not traveling far. If you’re taking a driving vacation and staying in a place where lodging is free, like a relative’s sofa, then there’s not much to insure. “If you already have health insurance, it may cover you for a domestic trip, so you don’t need to think about health insurance coverage,” says Joe Cronin, CEO of International Citizens Insurance .
• If your trip isn’t insurable. Traditional travel insurance covers conventional trips with prepaid, nonrefundable components like airline tickets and hotel stays. You might find that you either already have coverage through your medical insurance, or the trip is essentially uninsurable.

So think twice before saying “yes” to optional travel insurance that your online travel agency may offer you when you’re booking a trip. You might not need it.

Here’s when you do need travel insurance

But most travelers should consider some kind of travel insurance coverage this summer. Here’s when you need the extra coverage:

• If you have travel expenses that insurance would cover. “If you have many prepaid, nonrefundable expenses, it’s best to take out travel insurance,” says Lauren Gumport, a spokeswoman for Faye Travel Insurance . ”This includes things like flights, hotel rooms, tickets and activities.” The more conventional your vacation, the likelier travel insurance is to cover almost every aspect of your summer vacation.
• If you’re leaving the country. “Your regular medical insurance might not extend coverage beyond your home borders,” says John Rose, chief risk and security officer at ALTOUR . Also, many countries require travel insurance for entrance. They include Bermuda, Qatar, Sri Lanka and some European countries.
• If you can’t afford to lose your trip. “When considering travel insurance for your summer trip, evaluate whether you can afford to lose your vacation investment due to unforeseen circumstances like illness, weather disruptions or emergencies,” explains Robert Gallagher, president of the US Travel Insurance Association (USTIA). “Can you afford the financial risk if you miss your cruise departure because of covered flight delays? What if you have to cut your trip short because of illness?”

One of the most common mistakes travelers make is assuming their credit card will cover them. For example, I found that my credit card only covered my rental car as secondary insurance, which made it completely useless when I rented a car in Tampa recently. I had to buy a standalone policy from Allianz to cover the vehicle.

How one traveler insured his summer vacation

So how did Hopkins handle his travel insurance needs? Well, as I already mentioned — it’s complicated.

Hopkins says he always buys some travel insurance before he takes a trip, “but how much, and what I cover, varies,” he explains.

He decided that his path to peace of mind in this case was to spend a few extra dollars: He made fully refundable flight and hotel reservations, just in case something goes wrong. That would eliminate a lengthy claim with his travel insurance company or credit card.

But he still needed at least $50,000 in medical coverage with emergency evacuation because of his active schedule.

“We’re going to be doing a lot of hiking in Iceland,” he says. “And you just never know.”

At the beginning of the year, he decided to buy an annual Medjet Horizon plan, a membership that would get him from a hospital in Portugal or Iceland to a hospital at home, in case something happened.

For insurance, Hopkins checked TravelInsurance.com to find an affordable travel insurance policy. He found coverage through Trawick International that pays up to $50,000 in medical expenses and up to $200,000 for an evacuation.

“I’ve heard good things about them,” he says. “Hopefully, we won’t need any of it.”

How do I insure my trips?

I’m on the road about 360 days a year, so I’m always thinking about peace of mind. I currently use a Wells Fargo credit card with lots of travel benefits, and I have long-term policies through Faye and Cigna, which have worked fairly well. I also am a longtime Medjet Horizon member. If I rent a car, I turn to Allianz for my primary coverage.

I know — that’s a lot of peace of mind.

But I’ve also run into trouble and had to use many of those benefits. Medjet got me back home during the pandemic. Cigna covered me after a serious ski accident in Switzerland. My old Allianz policy took care of my medical expenses when I had to see a doctor in Santa Fe, N.M., a few years ago.

Like I always say, when it comes to having enough insurance, better safe than sorry.

Christopher Elliott is an author, consumer advocate, and journalist. He founded Elliott Advocacy, a nonprofit organization that helps solve consumer problems. He publishes Elliott Confidential , a travel newsletter, and the Elliott Report , a news site about customer service. If you need help with a consumer problem, you can reach him here or email him at [email protected] .

Christopher Elliott , Special Contributor . Christopher Elliott is an author, consumer advocate and journalist. He founded Elliott Advocacy, a nonprofit organization that helps solve consumer problems. He publishes Elliott Confidential, a travel newsletter, and the Elliott Report, a news site about customer service.

• 1 dead, 4 injured in car crash in Draper

By Josh Ellis, KSL-TV | Posted - July 5, 2024 at 6:45 a.m.

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Estimated read time: Less than a minute

DRAPER — One person was killed and several others were hospitalized following a two-car crash in Draper Thursday night.

Officers responded to the area of 700 W. 12300 South, near the Jordan River Rotary Park, around 10:30 p.m.

Two cars were involved. One person in one car and three children and an adult in the other were taken to an area hospital following the collision, said Draper Police Lt. Mike Elkins. One of those individuals has died, but police have not confirmed their identity. Officers were working to notify family members as of Friday morning.

The cause of the crash is still under investigation, but Elkins said investigators are looking at whether speed was a factor.

This story will be updated.

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Watch: protesters dragged off after storming 18th green at 2024 travelers championship as final group finishes, share this article.

A wild scene unfolded late Sunday at the 2024 Travelers Championship.

Numerous fans stormed the 18th green as the final group was lining up their putts at TPC River Highlands, throwing smoke bombs and other objects on the green. CBS Sports’ Jim Nantz said it looked as if four people had been handcuffed within a few seconds of rushing the green.

Scottie Scheffler was lining up a birdie putt from just off the green, and Tom Kim had a birdie putt from 10 feet away to tie Scheffler when the incident happened.

Video of the protestors getting tackled & handcuffed on the 18th green at The Travelers ⬇️ pic.twitter.com/EBfRyaXztQ — Fore Play (@ForePlayPod) June 23, 2024

Police quickly corralled the fans who rushed the green as officials worked quickly to clean up the green.

The group Extinction Rebellion is claiming responsibility for the protest, saying it was not protesting any individual or organization but the worldwide danger of climate breakdown.

The final grouping was able to finish the 18th hole, but before the playoff with Kim and Scheffler, the hole was recut toward the front of the green to avoid the area where the protesters were.

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