• Adventure & Sports Travel Insurance

Travel Insurance for Sports

Best travel insurance for recreational and competitive sports, such as basketball, golf, tennis and more.

Coverage for recreational sports

Travel Insurance Coverage for Recreational Sports

Many travelers take vacations with the intent of participating in recreational sports or activities. For example, this can include traveling somewhere warm for a weekend golf trip with friends, or touring a scenic destination by horseback. For these travelers, many travel insurance policies can cover the cost of treating an injury and an evacuation in the event of an emergency. In addition to medical coverage, some policies include Sports Equipment & Fees coverage in case a traveler’s equipment is lost, damaged, or stolen, such as golf clubs.

Coverage for non-recreational sports

Travel Insurance Coverage for Competitive Sports

In addition to recreational sports, some policies can also cover organized sports at the scholastic, collegiate, or other amateur levels. Select policies can extend coverage for participation in professional sports. This can include popular contact sports like football and hockey, non-contact sports like basketball and baseball, and competitive activities like archery, weightlifting, and fishing.

What to look for when buying travel insurance for sports:

Travel insurance for sports and competitive activities can vary significantly from policy to policy. Activities that can be covered by one policy, may be specifically excluded from the next. For this reason, for travelers who plan to partake in specific sports or activities during their trip, it’s important to check a policy’s certificate for a list of excluded activities before purchasing. When buying travel insurance for sports or competitions, Squaremouth recommends at least $50,000 in Emergency Medical coverage, and $100,000 in Medical Evacuation coverage.

How to search for travel insurance for sports:

The Sports & Activities benefit of travel insurance is designed to cover travelers who are participating in sports or adventurous activities. Using Squaremouth’s activity selection matrix below, travelers can enter the specific sports and activities they plan to participate in during their trip to only show available policies with the coverage they need.

Search for policies with sports travel insurance using our selection matrix.

Search 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.

  • 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.

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Best Adventure Sports Travel Insurance

Carissa Rawson

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

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 insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Lost luggage insurance .

Medical insurance .

Rental car insurance .

Trip cancellation 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 our picks for the best travel credit cards of 2024 , including those best for:

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

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent 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 $900 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Sapphire Preferred Credit Card

1x-5x Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

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 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

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.

sports travel insurance usa

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

12 Best Travel Insurance Companies of January 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

sports travel insurance usa

Travelex Insurance Services »

sports travel insurance usa

Allianz Travel Insurance »

sports travel insurance usa

Seven Corners »

sports travel insurance usa

World Nomads Travel Insurance »

sports travel insurance usa

AXA Assistance USA »

sports travel insurance usa

AIG Travel Guard »

sports travel insurance usa

Generali Global Assistance »

Berkshire Hathaway Travel Protec... »

sports travel insurance usa

HTH Travel Insurance »

sports travel insurance usa

Trawick International »

sports travel insurance usa

Tin Leg »

sports travel insurance usa

Nationwide Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.

Table of Contents

  • Rating Details
  • Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation if plans go awry. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

  • Travelex Insurance Services: Best Overall
  • Allianz Travel Insurance: Best for Cancel for Any Reason Add-on
  • Seven Corners: Best for 24/7 Support When Traveling
  • World Nomads Travel Insurance: Best for Adventure Travelers
  • AXA Assistance USA: Best for Coverage of Luggage and Personal Items
  • AIG Travel Guard: Best for Cruise Insurance
  • Generali Global Assistance: Best for Emergency Situations
  • Berkshire Hathaway Travel Protection: Best for Flight Insurance
  • HTH Travel Insurance: Best for Groups
  • Trawick International: Best for Vacation Rental Insurance
  • Tin Leg: Best for Budget-Friendly Plans
  • Nationwide Insurance: Best for Last-Minute Travel Insurance

Best Travel Insurance Companies in Detail

Travelex ».

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

  • 100% of the insured trip cost for trip cancellation; 150% for trip interruption
  • Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
  • $750 in missed connection coverage
  • $50,000 in emergency medical and dental coverage
  • Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

  • Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
  • $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
  • Up to $1,600 for travel delays
  • Emergency medical coverage of up to $75,000
  • Epidemic coverage

Coverage for preexisting conditions

Cancel for any reason coverage costs extra

  • 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
  • Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
  • Trip delay and missed connection coverage worth up to $1,500
  • Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

World Nomads »

Adventure sports are covered at no additional cost

Explorer plan only promises up to $10,000 in trip protection

  • $10,000 in trip cancellation and trip interruption coverage
  • $3,000 in protection for lost, damaged or stolen baggage, tech equipment and various travel gear
  • Up to $3,000 in trip delay costs
  • $100,000 in emergency medical coverage

All plans include missed connection coverage

Premiums are on the higher end compared to other providers

  • Trip cancellation protection for 100% of the trip cost; 150% for trip interruption
  • Up to $3,000 for baggage that's been lost, damaged or stolen; $600 in bag delay coverage
  • Trip delay coverage worth $1,250
  • $250,000 in emergency medical coverage

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

  • Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
  • Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
  • Up to $1,000 in missed connection and trip delay coverage

Sporting equipment coverage is included in the company's mid-tier plan

Coverage for those with preexisting conditions is only available on the Premium plan

  • 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
  • $2,000 in coverage for loss of baggage per person
  • $1,000 per person in travel delay and missed connection coverage
  • $250,000 in medical and dental coverage per person

Berkshire Hathaway Travel Protection »

All plans include 24/7 travel assistance that can aid in finding or replacing lost luggage and assist with lost or stolen wallets, tickets and passports

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

  • Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
  • $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
  • Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
  • Medical coverage worth up to $50,000

Generous coverage at the mid-tier level

Preexisting conditions coverage is only available at mid- and high-tier plans

  • 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
  • Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
  • Up to $2,000 in coverage for trip delays; $1,000 for missed connections
  • $500,000 in coverage per person for sickness and accidents

Generous coverage among the plans for trip cancellation and interruption

Determining the right plan may be overwhelming, with 15-plus options to choose from

  • 100% for trip cancellation (up to $100,000); 150% for trip interruption (up to $150,000)
  • Up to $2,500 for lost, damaged or stolen bags; up to $600 for luggage delays
  • Up to $3,000 for trip delays; $1,000 for missed connections
  • Up to $250,000 for emergency medical expenses

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

  • 100% trip cancellation protection; 150% trip interruption
  • $500 per person for lost, stolen or damaged baggage and personal items
  • Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
  • $100,000 per person in emergency medical coverage, including issues related to COVID-19

Variety of plans to choose from

Limited trip cancellation coverage even at the highest tier

  • Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
  • $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
  • Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
  • $150,000 for emergency medical and dental issues

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong spring 2024 trip to Italy for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. (add text and link to checked luggage). This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

Travel insurance works similarly to other types of insurance, except that travel insurance intends to cover unforeseeable events. In most cases, you will pay a flat fee for a policy that covers an individual trip and all its components – like airfare, your accommodations and any prepaid excursions. However, if you travel more than a few times per year, and especially if your trips are on the pricey side, you can also buy an annual travel insurance policy.

Benefits vary among travel insurance providers and policies, meaning some travel insurance plans cover more scenarios than others, and some offer higher coverage limits as well. For example, some travel insurance policies might only offer trip cancellation coverage worth up to $2,500 per traveler, while others offer the same benefit worth up to $100,000.

With this in mind, travel insurance works like other insurance plans in the sense that you can buy a basic level of coverage or full coverage that will reimburse you up to incredibly high limits. The choice is up to you, and you should decide based on how much coverage you think you need to feel secure.

However, you should keep in mind that travel insurance cannot cover every potential situation you encounter before or during a trip. Many travel insurance policies list an array of exclusions you should know about, like war or preexisting circumstances. Several policies also offer named peril coverage that only covers the situations specifically outlined in your policy.

Travel insurance may cost anywhere from $50 to $1,500 or more. The cost of travel insurance varies depending on the age of the travelers in your group, the total cost of your trip and other factors. Travel insurance for seniors is typically more costly due to the increased likelihood of health-related issues. The total cost of your trip will also help determine the cost of your travel insurance plan since more expensive trips require higher coverage limits.

Interestingly enough, the length of your trip and the destination you are visiting will not typically affect the cost of travel insurance coverage. Further, your health may not be part of the equation either, and travel insurance companies even refrain from asking health questions when you apply for a travel insurance quote. This doesn't mean that preexisting conditions will be covered, however, so you'll want to check the details.

As an example, a few sample trip insurance quotes for a married couple who are both 40 and live in New York City are below:

  • Travel insurance for an eight-day trip to Florida with a purchase price of $3,500 might run about $85 to $385.
  • Travel insurance for an eight-day trip to Mexico with a purchase price of $5,000 could cost anywhere from $120 to $415.
  • Travel insurance for an eight-day trip to the United Kingdom with a purchase price of $7,500 may cost around $185 to $575.

The price of the plan you select will depend on how much coverage you want. Keep in mind, there are plenty of companies that offer affordable travel insurance plans if your main priority is getting a policy at a budget-friendly price. See the U.S. News list of the Cheapest Travel Insurance Companies .

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or World Nomads, but you can also shop and compare policies with a travel insurance platform. Popular options include:

  • TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
  • InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance, World Nomads Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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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

sports travel insurance usa

We Recommended

Our recommended plan

Diplomat International and Diplomat America sports travel insurance

Excellent for adventure sports 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

covered pontoon boat on water

More Extreme Sports Insurance Plans

Trawick safe travels international incl. sports.

Trawick Safe Travels International for travel worldwide

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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Adventuresportsinsurance.com

Adventuresportsinsurance.com

Adventure Sports & Extreme Sports Insurance

sports travel insurance usa

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.

sports travel insurance usa

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.”

sports travel insurance usa

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].

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U.S. 877-758-4881 - Intl. +44 (20) 35450909

Extreme Sports Travel Medical Insurance

Best adventure sports travel insurance.

Extreme sports travel insurance plans are designed to provide coverage to adventurous international travelers who "live on the edge of life."

Free-ride mountain biking in Utah

Adventure Sports Covered by Trawick International

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

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.

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 .

Trawick

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. Seven Corners and IMG offer additional coverage for adventure sports through optional riders, which travelers can purchase with their travel medical insurance. World Nomads, Seven Corners Travel Medical Plus 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.

Seven Corners Travel Insurance with Sports Rider

The  Seven Corners Travel Medical Plan is complete travel insurance with extreme sports coverage as an optional add-on rider. Coverage includes injuries resulting from athletic activities which are non-organized, non-contact, and engaged solely for leisure, recreation, entertainment, or fitness purposes.

Seven Corner's List of Covered Sports

The sports and activities covered include:

  • Bungee jumping
  • Hang gliding
  • Motorcycle, motor scooter or electric scooter riding whether as a passenger or a driver
  • Scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are ssi, padi or naui certified
  • Snowmobiling
  • Wakeboard riding
  • Water skiing

Activities not covered include any amateur or professional sports (rugby, football, soccer, etc.) or other athletic activity which is organized and sanctioned by any collegiate sanctioning body (e.g., NCAA), a government body, or the IOC (International Olympic Committee).

Additional benefits included as core coverage:

  • Short-term  travel medical insurance
  • Maximum Limit $50,000 – $5,000,000
  • Option to purchase for as few as five days, renewable up to 3 years
  • Trip Interruption, Repatriation, Medical Assistance, and Medical Evacuation
  • 24-hour secure access from anywhere in the world to manage your account at any time

Seven Corners Insurance

Seven Corners Travel Medical Insurance

  • Comprehensive medical coverage with benefits up to $5,000,000.
  • COVID-19 coverage that extends up to your medical maximum.
  • Emergency Medical Evacuation protection up to $500,000.

two hikers participating in an adventurous hike

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
  • 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)
  • 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.

International Medical Group (IMG) Logo

Patriot Platinum Travel Insurance

  • COVID-19 coverage up to policy maximum if you're visiting the U.S.
  • Maximum limits up to $8,000,000
  • IMG pays 100% of medical expenses in-network

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 Insurance

World Nomads Travel Insurance

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

Digital nomad on her laptop outdoors finding the right insurance

Global Insurance Plans for Digital Nomads

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Running a Marathon Abroad: Health and Safety Tips

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June 1, 2020

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Are you ready for ski season? Whether you are hitting the bunny slopes or a seasoned pro, there's something for you in our ski travel section; including guides to the best experience, tips for packing and planning, and, how to save money along the way. And remember, a travel insurance plan from Allianz Global Assistance is a great way to protect your investment on and off the slopes.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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

Award-Winning, Flexible

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*

Feefo's Platinum Service Award Logo

Independent Service Rating based on 4574 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

ON AVERAGE WE 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 (1)

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 from Jan 2023 to Dec 2023 inclusive. 

Get an instant quote and buy  online now!

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Travel Insurance

John Hancock travel insurance review 2024

Jennifer Simonson

Mandy Sleight

Mandy Sleight

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

Kara McGinley

Kara McGinley

Published 5:00 a.m. UTC Jan. 24, 2024

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John Hancock Insurance Agency

John Hancock Insurance Agency

Top-scoring plan

Covers covid, medical & evacuation limits per person, what you should know.

John Hancock’s Silver travel insurance plan has solid coverage for baggage and personal item loss, baggage delay and travel delay. Silver is John Hancock’s top-scoring plan in our analysis of the best travel insurance plans , but its pricier Gold plan gets the same rating of 3 stars.

  • Silver plan has $1,000 specific items limit for personal item loss.
  • Generous $500 per person baggage delay benefit.
  • “Cancel for any reason” coverage upgrade of 75% available.
  • Lower emergency medical coverage limit than many leading competitors.
  • No option to purchase “interruption for any reason” coverage.
  • No non-medical evacuation coverage.

Why trust our travel insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product 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.

John Hancock overview

John Hancock travel insurance is underwritten by Starr Insurance, which was founded in 1919. It offers three travel insurance plans: Bronze, Silver and Gold. Its Silver and Gold plans get 3 stars in our rating of the best travel insurance . 

John Hancock travel insurance plans

John Hancock offers three plans with varying levels of travel insurance coverage . Each plan includes: 

  • 24/7 assistance.
  • Airline ticket change fee.
  • Baggage/personal effects coverage. 
  • Emergency medical coverage. 
  • Emergency medical evacuation coverage. 
  • Missed connection coverage.
  • Terror attack coverage. 
  • Trip cancellation coverage.
  • Trip delay coverage.
  • Trip interruption coverage. 

Bronze 

John Hancock’s Bronze plan is the most economically affordable of the three options. This plan includes all the standard coverage benefits:

  • Emergency medical evacuation: $250,000.
  • Emergency medical: $50,000.
  • Trip cancellation: 100% of eligible trip costs.
  • Trip interruption: 125% of eligible trip costs.
  • Optional “cancel for any reason” CFAR coverage: 75% reimbursement for prepaid, nonrefundable payments. Must be purchased within 14 days of your trip deposit. To use this coverage, you must cancel at least two days before your departure date. 

The Bronze plan also includes coverage for delayed and lost baggage, missed connections, travel delay and 24-hour accidental death and dismemberment. This plan includes a pre-existing conditions waiver if purchased within 14 days of your first trip deposit and 100% of your trip costs are insured. Pre-existing conditions are typically not covered by travel insurance. 

Silver 

The John Hancock Silver travel insurance plan scores 3 out of 5 stars in our review of the best travel insurance companies . 

  • Emergency medical evacuation: $500,000. 
  • Emergency medical: $100,000.
  • Trip interruption: 150% of eligible trip costs.

The Silver plan includes more coverage than the Bronze plan for missed connections, travel delay, lost and delayed baggage and 24-hour accidental death and dismemberment. 

Like the Bronze plan, the Silver plan includes a pre-existing conditions waiver if purchased within 14 days of your first trip deposit and 100% of your trip costs are insured. 

The John Hancock Gold plan also scores 3 out of 5 stars in our analysis of the best travel insurance companies. 

  • Emergency medical evacuation: $1 million.
  • Emergency medical: $250,000. 
  • Trip cancellation: 100% of eligible trip costs. 
  • Trip interruption: 150% of eligible trip costs. 
  • Optional “cancel for any reason” CFAR coverage: 75% reimbursement for prepaid, nonrefundable payments. Must be purchased within 14 days of your trip deposit. To use this coverage, you must cancel at least days before your departure date.

Of the three plans offered by John Hancock travel insurance, the Gold plan offers the highest coverage limits for travel delay, missed connections and baggage loss. It also offers baggage delay and 24-hour accidental death and dismemberment coverage.

Additional travel coverages

John Hancock offers three add-on coverage options to further customize your insurance plan. For an additional cost, these add-ons can be purchased at the time you purchased your policy. 

“Cancel-for-any-reason” (CFAR) coverage

The Bronze, Silver and Gold plans all offer the option to upgrade to “cancel for any reason” (CFAR) coverage . CFAR coverage reimburses 75% of nonrefundable payments or deposits even if the trip is canceled for a reason that is not listed in your policy. 

A CFAR upgrade is only available if you buy it within 14 days of your first trip deposit. To use this coverage, you need to cancel your trip at least 48 hours before your scheduled departure date. 

Accidental death and dismemberment coverage

Each of John Hancock’s travel insurance plans include coverage for accidental death and dismemberment (AD&D). The Bronze plan includes $25,000 per person, while the Silver and Gold plans increase coverage to $100,000 per person. Each plan offers the option to include coverage for flight only AD&D, which pays an additional benefit for loss of limb or life when you’re a passenger on a common carrier aircraft.

Rental car damage coverage

Rental car damage is add-on coverage that will reimburse up to the vehicle’s actual cash value (ACV), the cost of repairs or the benefit outlined in your policy details if it’s damaged in a collision or stolen while in your possession. Covered losses include fire, flood, hail or windstorm damage.

What John Hancock travel insurance doesn't cover

Like all travel insurance companies, John Hancock does not cover every incident that could occur before or during your trip. 

For instance, exclusions to emergency medical coverage for the John Hancock Gold plan include:

  • Cosmetic surgery (except as the result of accidental injury).
  • Dental treatment (unless as a result of accidental injury).
  • Injuries due to activities such as contact sports, hang gliding, skydiving, mountaineering, horse racing, car and motorcycle racing, parachuting, scuba diving (unless accompanied by a dive master at a depth of 100 feet or less), spelunking and bungee jumping.
  • Injuries resulting from being intoxicated above the legal limit or under the influence of drugs or narcotics (unless prescribed by a physician and taken in accordance with your physician’s instructions).
  • Mental or emotional disorders.
  • Non-emergency treatments or surgeries including routine physical exams, hearing aids, eyeglasses or contact lenses.
  • Piloting or learning to pilot an aircraft.
  • Suicide or attempted suicide.

Each John Hancock’s travel insurance plan has limitations, so it is important to read the fine print for what is covered. John Hancock’s “free-look” period gives you 14 days in most states to review your policy and cancel for a full refund if it doesn’t fit your needs.

John Hancock travel insurance policy rates

How much you’ll pay for a John Hancock travel insurance plan will depend on personal factors such as your trip destination, trip length, number of travelers and age of travelers. Upgrades such as “cancel for any reason” (CFAR) coverage will also impact your rate. 

We plugged in several travel scenarios to give you sample rates for John Hancock Insurance Agency’s Silver plan. 

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:

  • Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
  • 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.

Frequently asked questions (FAQs)

John Hancock travel insurance is a subsidiary of Manulife. Manulife is an international financial services company that operates primarily as John Hancock in the United States and Manulife elsewhere.

Yes, John Hancock travel insurance Bronze, Silver and Gold plans all offer the option to purchase “cancel for any reason” CFAR coverage . This upgrade will reimburse up to 75% of your nonrefundable trip payments if you decide to cancel, as long as you do it at least two days before your scheduled departure.

Pre-existing conditions won’t be excluded from coverage if you buy a John Hancock travel insurance plan within 14 days of your first trip payment, your policy is the first and only policy issued for your travel dates and destination and you are medically able to travel at the time you buy your policy. As always, it is a good idea to check your policy details to confirm coverage.

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.

Jennifer Simonson

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

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The Best Travel Medical Insurance of 2024

sports travel insurance usa

Allianz Travel Insurance »

sports travel insurance usa

Seven Corners »

sports travel insurance usa

GeoBlue »

sports travel insurance usa

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

Table of Contents

  • Allianz Travel Insurance
  • Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

  • Allianz Travel Insurance: Best Overall
  • Seven Corners: Best for Families
  • GeoBlue: Best for Expats
  • WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

  • Up to $50,000 in emergency medical coverage
  • Up to $250,000 in emergency medical evacuation coverage
  • Up to $2,000 in coverage for baggage loss and damage
  • Up to $600 in baggage delay insurance
  • Up to $1,000 for travel delays
  • Up to $10,000 in travel accident insurance
  • 24-hour hotline assistance
  • Concierge services

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

  • Up to $5 million in comprehensive medical coverage
  • Up to $500,000 in emergency evacuation coverage
  • Up to $10,000 in coverage for incidental trips to home country
  • Up to $25,000 in coverage for terrorist activity
  • Up to $500 in accidental dental emergency coverage
  • Up to $100 per occurrence in coverage for emergency eye exams
  • $50,000 in coverage for local burial or cremation
  • 24/7 travel assistance
  • Up to $25,000 in coverage for accidental death and dismemberment per traveler
  • Up to $500 for loss of checked baggage
  • Up to $5,000 for trip interruptions
  • Up to $100 per day for trip delays
  • Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

  • Up to $250,000 in coverage for emergency medical evacuation
  • Up to $25,000 for repatriation of mortal remains
  • $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

  • Up to $1,000,000 of maximum coverage
  • Up to $1,000,000 for emergency medical evacuation
  • Up to $10,000 for trip interruptions
  • Up to $1,000 for lost checked luggage
  • Up to $100 per day for travel delays
  • Up to $25,000 in personal liability coverage
  • Medical coverage for eligible expenses related to COVID-19
  • Ability to add coverage for your spouse and/or child(ren)
  • Repatriation of remains coverage up to overall limit
  • Up to $5,000 for local burial or cremation 
  • $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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