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Best Canadian Travel Insurance For Extreme Sports

Last Updated August 19, 2023 William Tang

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If you’re like me, you love to travel and seek new experiences. More often than not though, those popular activities are considered to be high-risk and dangerous enough that they’re actually not covered by Canadian travel insurance.

Wait so you’re saying that activities such as ATV-ing, hot air ballooning, scuba diving, sea kayaking, and horseback riding aren’t covered even if you have travel insurance? The answer is most likely no. This is why you need to know which Canadian travel insurance actually includes extreme sports.

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In This Article

Why Canadians should care about extreme sports

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When it comes to Canadian travel insurance, it’s complicated like every other insurance product. They’re designed to be ambiguous, hard to find, and hard to compare.

“When I buy travel insurance as a Canadian, how do I know if I’m covered for extreme sports that I plan on doing when I’m on the road?”

So let’s cut to the chase and find out what policy out there is actually good for the Canadian traveller that wants to do some adventure and extreme sports.

For those with an adventurous spirit, some activities might come up in your trip planning that are a little more adrenaline pumping than some of the others.

If you had to think twice about whether you should do it or not, or whether your friends, partner, or parents would approve, it’s probably an “extreme sport”.

A lot of it deepnds on where you’re going of course.

On our recent trip to New Zealand, it should be no surprise to you that we were encountering extreme sports everywhere from skydiving near Abel Tasman , wreck diving to see the famed Rainbow Warrior , and cave tubing to see the glow worms.

All of those were incredible experiences but was I covered by my travel insurance?

Yes, but only because I bought the right one.

So the term extreme sports is really just a more laymans’s term for something the insurance industry calls “high-risk activities”.

When you look at Canadian travel insurance policies, these are the sports that are most often NOT covered.

• Bungee Jumping
• Black water rafting
• Jet Boating
• Kitesurfing
• Mountain Climbing
• Parachuting
• Paragliding
• Parasailing
• Rock Climbing
• Hang-gliding
• Scuba diving (except if certified by internationally recognized and accepted programs such as NAUI or PADI , or if the diving depth does not exceed 30 metres)
• White water rafting (except grades 1 to 4 – for reference, most on the Ottawa River with OWL Rafting is in this range)

Now that’s an extensive list.

The only good news is that if you’re scuba diving certified, what you’re doing is not considered to be extreme. Some insurance companies do allow white water rafting of grades 1 to 4 which is what most operators like OWL Rafting do.

If you then start thinking about some things that may or may not be mentioned like Running of the Bulls , shark cage diving we did in South Africa , or even those ice climbing/glacier walk experiences in Iceland , you’re most likely not covered by your travel insurance policy no matter how little the deductible is or how expensive it is.

Well that’s great. You’ve just learned that most insurance policy doesn’t cover any of the really fun activities when you travel.

Before I reveal the best Canadian travel insurance for extreme sports is, let’s just cover some of the basics in what to look for in a travel insurance policy.

• Type of policy – Single trip? Multi-trip? Annual?
• What is covered – Lost/stolen luggage? Personal liability? Pre-existing medical conditions? Cancellations? Delays? Extreme sports and sports insurance coverage?
• Exclusions – What is in the fine print? Are all countries covered?
• Deductible – How much do you have to pay in order to make a claim?
• Coverage amounts –  How much in total are you covered?  10 million?  2 million?  For specific instances, what is the coverage (i.e. car rental, meals, and other things called incidentals)

I have a more comprehensive guide coming soon but just from these few bullet points alone, your head is probably spinning. 

Personally, I think the big reason why insurance is complicated is because there are too many choices.  There’s no centralized place to look for them. Yes, RATESDOTCA tries to but their interface is clunky and it doesn’t really show you everything.

Most importantly, I still can’t believe there’s no travel insurance search engine that can just tell you which one covers extreme sports.

Every premium credit card, including the ones I mention in the best cards for travel hackers , is going to include good travel insurance but they never include “high risk activities”.

My take?  Credit cards can be handy for the one-off “low-risk” trips. However, if you really just want the comfort of having care-free comprehensive coverage then an insurance policy is the best investment.

I’ve done the leg work and have gone through what RATESDOTCA offers and I’ve jumped from one complicated underwriter’s page to another.

It’s a deep rabbit hole that I wouldn’t wish on any of you.

Ultimately, there’s seriously only one company that lays it out to Canadians straight and its World Nomads .

Who is World Nomads

Luckily, I have a full review of the World Nomads travel insurance product and whether it’s worth it or not but here’s what you need to know:

• Founded in 2002 by Australian Simon Monk.
• Built on the principle of providing insurance that’s travellers actually need and want.
• Covers travel to over 150 countries, includes medical and evacuation cover, provides 24-hour emergency assistance, and covers a wide range of adventure and extreme sports activities.
• Well-known in the travel community for their work in responsible travel, travel guides, and workshops.
• Sells travel insurance globally and does this by partnering with country-specific underwriters.

Extreme sports coverage

What I love about World Nomads is that they aren’t afraid to publish what’s included and what isn’t when it comes to extreme sports.

They lay it all out and the level of detail is quite incredible .

To name a few, here are some extreme sports that even I was impressed World Nomads includes.

• Hot air ballooning
• Bungee jumping
• Camel trekking
• Dog sledding
• Elephant trekking
• Horseback riding
• Sea Kayaking
• Rock climbing outdoors under 6,000m
• Mountain biking
• Skydiving (one jump only but still!)
• Scuba diving to 30m (this is PADI open water diver limits)
• Shark cage diving
• Skiing/Snowboarding
• Whitewater rafting

It’s so comprehensive and relevant that you probably won’t find an extreme sport activity that isn’t on the list.

You’ll notice that associated to each activity is a level in the range 1 to 3. By default, whether you get the Standard or Explorer Plan, all level 1 activities are included .

If you need coverage for Level 2 or Level 3 activities, you need to add-on additional coverage.

How are sports covered by World Nomads

So great, these sports are on a list of allowed activities while travelling. How does that actually translate to coverage?

The below is what a sample 2 week trip to Peru for a 30-year-old looks like:

The price is the Standard Plan is $86 CAD and Explorer Plan is $102 CAD. Both plans include Level 1 extreme sports coverage.

To add all Level 2 extreme sports activities, there’s an extra cost of $38.49 CAD. If you want Level 3 to be included, it’s $68.43 CAD.

Note that all prices mentioned here include tax.

Of course, there are other differences in the policy which I cover in my review of World Nomads travel insurance ( coming soon ), but from an activities standpoint, that’s what the differences in the plans mean.

How to get a quote with World Nomads

If you’re still in the process of shopping around or just want to know what to expect cost-wise for travel insurance, you can get a quote that includes specific extreme sports you’re thinking about by doing the following steps:

Step 1 – Start by getting your initial quote by filling out your details from the link below.

Step 2 – Select your plan (Standard or Explorer Plan)

Step 3 – On this page, you’ll have to explicitly pick what extreme sports you’re interested in.

This is basically looking for whether you’ll be doing Level 2 and Level 3 activities.

If all of your activities are Level 1, no cost will be added. You will be charged whatever your highest level of activity you have on the list. So for example, if you have one Level 3 activity and a few Level 2 activities, it’ll charge you the Level 3 add-on rate for your trip.

Step 4 – Look on the right hand side and see a summary of your travel insurance. You can also enter your e-mail address to the quote emailed to you.

Why I was really annoyed with TuGo

While I honestly had trouble finding other insurance providers that had more clear definitions of extreme or high-risk activities, I did find TuGo.

At first I was excited that I found another Canadian travel insurance company that are more forward about extreme sports but once I dove into getting a quote, I found myself incredibly frustrated.

Yes, it’s great that it’s highly customizable but I found myself really struggling to choose the emergency medical amounts. It was at this point that I realized that it’s really hard to choose between $2 million, $5 million, $100 million, or something in between.

Once I got to the sports add-on, I had to search for the various activities I’d be doing on a trip but it wasn’t clear whether I needed to have all activities selected for coverage or whether it would work like the “level system” that World Nomads has.

Lastly was the cost. By simply adding skydiving and scuba over 40 metres, you’re looking at an extra cost of $151.80 CAD for the exact same trip I was quoting with World Nomads. That’s more than double the cost of the Level 2 and 3 add-on.

#1 Get travel insurance.  #2 Make sure extreme sports are covered .

Trying to find a Canadian travel insurance company that includes extreme sports is like trying to find a needle in the haystack. And when you do find it, they make you jump through hoops to add it in or force you to pay a ransom amount.

Save yourself the headache and just go with World Nomads .

If you think there’s the remote possibility of doing an outdoor activity that is considered to be an extreme sport, make sure you’re covered before you leave home.

Without a doubt, it’s World Nomads . They have the most thorough list of activities, sports, and adventures for Canadians and at the most reasonable price.

You’ll notice that on the list of extreme sports that snowboarding is on there but only the advanced variants. To clear this up, basic snowboarding within resort boundaries isn’t considered to be extreme and thus included in all plans . That said, what isn’t covered are stunts and tricks so you’re on your own if you use the terrain park.

If you pay attention to the extreme sports page on World Nomads, you’ll see that this Level 3 activity only includes 1 jump. If you plan doing more than 1 tandem skydive, you won’t be covered.

Currently, there’s only World Nomads , TuGo, and Ingle that have special extreme sports coverage.

Unfortunately most travel insurance policies don’t cover any competition-based sports and that would include training as well.

Scuba diving up to 30m is considered to be Level 1 for World Nomads which is included in all plans. If you plan on diving own to 40m, a Level 3 add-on is required.

As long as the rock climbing is under 6,000m in height outdoors, you’re covered but this is considered to be a Level 3 extreme sport which is an extra add-on with World Nomads .

With World Nomads , quad biking is a Level 1 extreme sport which is included in either of their Standard or Explorer plans.

What’s been your experience with Canadian travel insurance and extreme sports?  I’d love to hear your stories.  Just drop a comment below!

If you’re in the process of planning your trip and putting together your itinerary, these are genuinely the best resources that the Going Awesome Places team stands by 100% .

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Flights: Of all the booking search engines, Skyscanner is the most helpful and easy to use thanks to their Everywhere feature . Kayak is also another that’s we will often check as well.

Car Rental: If you’re looking to save money, these car rental coupon codes will be a true game-changer. Otherwise, DiscoverCars and RentalCars are great places to start.

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Data: We’ve been a huge fan of wifi hotspot devices like PokeFi because their rates are so good and you can use it globally but recently, we’ve really loved using eSIMs. The best one is Airalo . Save money by getting region-specific eSIMs and use referral code WILLIA9500 to get $3 USD credit on your first purchase. Ubigi is another one that we’ve had success with where they uniquely offer 5G coverage. Use code AWESOME10 to save 10% on your first order.

Hotels: Our go-to is Booking.com because they have the best inventory of properties including hotels and B&Bs plus they have their Genius tier discounts . The exception is Asia where Agoda always has the best prices. TripAdvisor is also useful for reviews and bookings.

Vacation Rentals: Your first instinct will be to check Airbnb but we always recommend checking VRBO as well if you’re looking for a vacation rental.

Tours: When planning our trips, we always check both Viator and GetYourGuide to at least see what’s out there in the destination that we’re going to. They often have different offerings and prices so check both.

Travel Insurance: Learn how to buy the best travel insurance for you. This isn’t something you want to travel without.

• Insured Nomads – Popular insurance provider for frequent travelers and comes with great coverage and special perks.
• RATESDOTCA – Search engine Canadians looking for the cheapest insurance including multi-trip annual policies.
• SafetyWing – A perfect fit for long-term nomads.
• Medjet – Global air medical transportation.
• InsureMyTrip – Best for seniors, families, and those with pre-existing conditions.

If you need more help planning your trip, make sure to check out our Travel Toolbox where we highlight all of the gear, resources, and tools we use when traveling.

About William Tang

William Tang is the Chief of Awesome behind the award-winning Going Awesome Places which is focused on outdoor adventure, and experiential travel. His true passion lies in telling stories, inspiring photography and videos, and writing detailed itineraries and travel guides. He is a member of Travel Media Association of Canada (TMAC), Society of American Travel Writers (SATW), Adventure Travel Trade Association (ATTA), and Travel Massive. He has also been featured in publications such as Reader's Digest, Entrepreneur, Men's Journal, and Haute Living. Make sure to learn more about William Tang to find out his story and how Going Awesome Places started.

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Sports & Activities Coverage

With TuGo, you can hike, zipline, bungee jump or even parasail over water and still be protected under our standard Emergency Medical Insurance or Visitors to Canada Emergency Medical Insurance .

Get coverage for extreme sports

And for you more daring types, all you need to take it to the extreme is to add our Sports & Activities Coverage to your Emergency Medical Insurance!

*Coaches, referees, and sports officials do not need to purchase the optional Sports & Activities Coverage for these sports to be covered.

**applicable to travellers 21 years and older (at the time of application)..

Whatever you’re into, be sure that it’s covered. If it’s not listed above, we'll cover it under our standard Emergency Medical Insurance, unless it’s listed below as an excluded sport/activity:

Canyoning accident could’ve cost Trevor $200,000 out-of-pocket

While canyoning in Utah with his brother Geoff, 19-year-old Trevor slipped and fell 50 feet, fracturing his back and foot. At the hospital, doctors deemed immediate surgery was necessary for Trevor’s spinal injury. After 7 days, Trevor was discharged but was instructed to allow enough time to recover a little, before returning home to Canada. To accommodate this, he booked 6 more days at a motel. Trevor’s provincial health plan covered less than 1% of the total medical bill, and would’ve put Trevor in serious debt if it weren’t for him adding Sports & Activities Coverage to his emergency medical plan.

Our travel insurance covered: $202,103.80

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Out of Your Comfort Zone

The art of backpacking & adventures to get out of your comfort zone – tips and advice, 7 best travel insurance for extreme sports and adventure activities.

Ahhh, nothing better than traveling to practice a sport or take on an adventure activity . Seeing a new country and getting that adrenaline rush from at the same time is just the best!

But with sports and activities, there come risks. Which means this type of trip is one you need to be prepared for. So, an international travel insurance that covers adventure is essential .

It’s worth mentioning that travel insurance is also very important for normal trips. Which means that it’s practically obligatory on a trip where you’ll do adventurous activities or sports since they only make the trip riskier. So, having travel insurance is more than just important.

If you are just looking for a normal travel insurance, I recommend my article with the 3 Best and Cheapest International Travel Insurance in 2020 !

Why do I need special travel insurance for extreme sports and adventurous activities?

Not all insurance companies cover all types of activities.

In other words, if you buy a type of travel insurance that doesn’t cover snowboarding and you get hurt snowboarding, your insurance won’t help you.

Basic travel insurance plans cover basic activities (like “safe” sports, fishing , hiking, snorkeling, etc.). But if you plan to do more extreme sports or adventurous activities such as surfing, diving, skiing, snowboarding, etc…, there’s a good chance you’ll have to add on a supplement to your plan to make sure your specific activity is covered.

What do I mean by adventurous activities and extreme sports?

These are the types of sports and activities that normal types of travel insurance (or at least the basic plans) often don’t cover. This will vary from insurance company to insurance company.

For example, skydiving is an activity that will never be covered by a basic travel insurance plan. However, canyoning may be covered by some plans, but not by others.

When I talk about the 7 best companies below, you’ll see screenshots with what activities are considered adventurous activities or sports (and thus will know what type of plan will cover you).

By the way, if you like to play sports and stay in shape during your travels, check out my article with 9 Tips to Stay Fit During Your Travels .

How to choose the best international travel insurance for extreme sports and adventure activities?

To choose the right plan for you, you’ll need to consider a few factors. From the coverage amount to the activities and sports covered.

First, it’s important that you pay attention to the requirements for your destination (in Europe, for example, you need to have coverage of 30,000 US dollars at the minimum in the Schengen area ).

And remember that the cost-benefit may be more important than the simple price of travel insurance coverage . This is because a difference in value can reflect greater coverage (for more sports/activities) and benefits which make it worth more than a cheaper plan.

Besides this, make sure to read the insurance policies and pay attention to the conditions , exclusions, and service instructions. So you can avoid unpleasant surprises when an emergency strikes, and make sure that your sport/activity will be covered.

The 4 Best Travel Insurances for Extreme Sports and Adventure Activities

A sport/adventure travel insurance is much more specific than one for a leisurely trip and it can be very stressful to spend hours searching the ‘net to find the right insurance.

Plus, it’s much better to know that the insurance you buy won’t let you down.

With that in mind and to help you choose the best insurance for adventures and extreme activities, I made a list below comparing the 4 best travel insurances available.

At the end of the post, you’ll find a table comparing the activities and sports covered, as well as the coverage amounts from each insurance company.

TIP: As always I recommend you get a quick quote online on all the companies I list below. You will only lose a few minutes and you could end up saving a lot just with good research.

(5% discount coupon comfort5 )

World Nomads is a respected and well-known company focused on adventure travel insurance and lots of sports! It’s even the insurance recommended by the largest travel guide in the world, Lonely Planet.

Their coverage is guaranteed and provided together with Bupa, AIG, and Nationwide insurers, depending on which country you are from. It includes emergency service in many languages 24/7.

There are two possible plans offered by World Nomads: Standard and Explorer.

As you can see from the table, the coverage amounts vary greatly. But the same is not true of the price you pay. And both plans cover more than 150 activities!

There are, however, a few activities that are only covered by the Explorer plan (make sure you check for your specific sport/activity before you buy).

Since there are so many activities (even with just the Standard plan), it’s a great option for adventurous travelers who practice lots of types of sports and might need emergency medical coverage.

The price, when you consider all it covers, is really worth it. Just to help you have an idea, I got a hypothetical quote for two weeks in Switzerland, a destination known worldwide for its skiing :

You can get a quote and purchase directly from the World Nomads website.

One of its biggest attractions is the amount of coverage which can be greater than many other insurance providers depending on your country of residency. It usually goes from US$ 100,000.00 to unlimited!! 

And considering the pricey costs of sports accidents, if you practice sports (that are included on the list above), World Nomads is a safe choice.

By clicking on this link here and using the coupon code  comfort5 , you will get a 5% discount on your World Nomads travel insurance plan. 

2) SafetyWing

SafetyWing is a new travel insurance that is really similar to WorldNomads and focuses on covering travelers who practice all kinds of sports.

They are partners of HCC (that I mentioned above) and they are underwritten at LLOYD’s. In other words, it’s a pretty trustworthy company.

Plus, like the other insurances mentioned above, SafetyWing covers people from all over the world!!

One great thing about them is that they have a precise list of all the sports and extreme activities they cover on their website.

I will post this list here plus the sport activities they DON’T cover. It is important to highlight that this is a non-exhaustive list. And keep in mind that these activities are only covered if they are practiced recreationally. They are not covered for organized athletics* or professional sports:

List of Included sports covered by SafetyWing travel insurance

*You are not covered if the activity is organized athletics involving regular or scheduled practice and/or games, or the activity is performed in a professional capacity or for any wage, reward, or profit.

You must ensure the activity is adequately supervised and that appropriate safety equipment (such as protective headwear, life jackets etc.) are worn at all times.

Sports that are excluded from coverage by SafetyWing travel insurance

IMG Global is another well-known company that’s been around since 1990.

They offer several different plans, including insurance options for exchange students and insurance for expats (foreigners who live in other countries) .

The best international insurance for adventure travel from IMG Global is their Patriot Travel Medical Insurance, which you can get for trips as short as 5 days and as long as 12 months.

With this plan, the coverage limit can be up to 2 million USD. But for the specific coverage for adventure sports accidents, the limit decreases considerably.

Plus, the company still uses age to define coverage maximums:

The coverage for sports is extra. So, you’ll need to choose the “Aventure Sports Rider” when getting a quote.

IMG Global’s “Adventure Sports Rider” includes 33 adventure sports and is only available for those under 65:

Still, the plan has potential since it covers activities that aren’t covered by World Nomads’ Standard Plan, like bungee jumping and skydiving (although these are covered in World Nomads’ Explorer Plan). So IMG can be a good alternative if you plan to do these activities during your trip.

Not to mention that the prices are a bit more attractive. Getting that same hypothetical quote, two weeks in Switzerland, with the coverage of adventure sports adds up to the following:

So, although it doesn’t cover as many activities overall and the coverage is less than World Nomads, it’s worth seeing if your sport/activity is on the list I gave above.

You can get a quote directly on their website. They also have multilingual customer service either by phone or live chat on their website.

HCC Medical Insurance is an American insurance company that was purchased in 2015 by Tokyo Marine, another well-known insurance company.

One of the most interesting differences in HCC is that it offers specialized travel insurance options with coverage ranging from leisure trips to missionary trips to exchange students.

The insurance is offered in partnership with Atlas Travel, with a maximum coverage of up to 2 million USD.

The two plans HCC offers for travel insurance are Atlas International and Atlas International Premium .

The first plan has a maximum coverage of up to $1 million USD (and thus is cheaper), while the second has up to $2 million USD .

Between these two plans, there is no difference in the sports/activities covered.

The values are pretty good in that, if you consider the maximum coverage, this is the travel insurance option with the best cost-benefit among the 4 listed.

With the same hypothetical, here’s the cost of my two weeks in Switzerland with HCC:

Both plans include adventure activities without additional cost. The list of covered sports and activities are given by exclusion. In other words, all the adventure sports that are not expressly excluded in the insurance policy are covered .

For your activities to be covered by HCCMI, you must meet these standards.

And with the above precautions, the following activities are included:

These are the sport/activities which are NOT covered by the Atlas Travel plans:

All of the activities that are not on the list of excluded items are covered by the insurance.

One other useful difference is that, before you buy a plan, you can find a list of local HCCMI partners where you can be treated simply by presenting your insurance ID card. Meaning you can avoid the big headache of trying to get reimbursed by your insurance plan.

Table comparing the 4 best travel insurances for extreme sports and adventure activities

Now that you’ve seen the pros and cons for these 4 insurance companies, take a look at the comparative table to help you choose the right insurance for you:

It’s worth mentioning that all 4 insurance companies here are excellent and have a good reputation in their market. So you’re sure to be well-protected if you take out a plan with any of them.

Other options for searching travel insurance for extreme sports and adventures

If you’re still unsure which travel insurance is right for you, take a look at this list of online travel insurance search aggregators. All on this list are great-to-plan and insurance comparison tools.

When searching for the best insurance for you, do not forget to mention that you intend to carry out and physical activities during the trip, in this way, they will present them as the most suitable options for these cases.

•   Travel Insurance

Travel Insurance is a travel insurance research aggregator website, that is, it works as an online comparison of different plans and companies.

This is one of the most practical ways to find the ideal travel insurance for you, as instead of going through countless websites and comparing them, you can simply add what you are looking for in an insurance policy. After that, the site will compare services, taking into account customer ratings and price range.

One of the main advantages of using Travel Insurance is that it is possible to find insurance for the most varied profiles. If you are looking to carry out radical and extreme activities during your trip, you are a digital nomad and travel the world working, you are an expatriate starting a new life in another country … There are countless possibilities.

VisitorsCoverage

VisitorsCoverage provides an extensive range of insurance policies, catering to various needs, including specialized coverage for students and business travelers.

A notable advantage of VisitorsCoverage is their exceptional customer service, which operates seven days a week. Additionally, they offer coverage to citizens from over 175 countries.

Their website allows users to apply filters to explore policy options specifically related to Covid-19. This feature proves particularly beneficial as insurance coverage for this condition can vary among different providers.

Here are the pros and cons of comparing travel insurance with VisitorsCoverage:

• Wide selection of plans available.
• Ability to apply specific filters, such as Covid-19 coverage, to streamline your search.
• Excellent customer service.

Currently, there are no identified cons associated with comparing travel insurance with VisitorsCoverage.

AARDY works similarly to Travel Insurance, it is a travel insurance aggregator and aims to help its customers choose the ideal insurance for their profile.

One of AARDY’s areas of focus is customer service, so they boast an exemplary TrustPilot score above any other travel insurer in the US.

Unlike most online insurance companies, this company bets on online self-service and on phone and email service with brokers, thus forming a hybrid system for customers to choose the way they like best.

Another feature of AARDY is the way your quotes are made, in addition to being fast, they also show the information that may interest you the most and compare in a very effective way the plans and companies most suitable for your profile.

Interesting information is that this institution converts 10% of its annual earnings into donations to institutions that help children of soldiers killed in action who need financial help.

•   InsureMyTrip

Another great insurance aggregator option that can facilitate your choice and taking out insurance is InsureMyTrip.

By entering this company’s portal, it is super easy to make budgets and comparisons between the best companies and plans for your trip.

One of the biggest advantages of using InsureMyTrip is that this portal has a super strict classification rule. If an insurer receives a bad rating, it will be automatically excluded from the site to avoid complications with future customers.

One of the disadvantages of InsureMyTrip is that they do not provide insurance for expatriates and international students. If that’s the case for you, check out my article 5 Best & Cheapest Health Insurances for International Students & Studying Abroad or 7 Cheapest International Health Insurance Plans for Immigrants & Expats . I’m sure it will be useful!

Conclusion…

Even after this very complete list comparing the four adventure insurances, it’s still important to take some time to read the policies for each of them.

This is because choosing the right travel insurance is highly subjective. Especially if you’re practicing a specific sport or activity (and need to make sure it’s covered by your policy).

The important thing is that you make sure to get travel insurance. Like I said, if travel insurance is important for normal travel, it’s essential for adventure travel.

Your trip will definitely be better if you can travel with peace of mind, knowing that if something happens, you’ll have the help of a reliable insurance company.

And remember, after purchasing your policy, don’t forget to print it out or save it to your phone, as well as the 24-hour “help” phone number.

Planning your next trip?

 Already reserved your hotel or hostel? If not, our article with The 6 Best and Cheapest Websites to Find & Reserve Accommodation can help you out. You’ll also find some promotions and discount codes .

 Still haven’t booked your plane ticket and want to save big? Take a look at our page with 16 Tips to Save on Flights where you’ll also find the 4 best websites to buy your plane tickets. 

And finally, will you need to rent a car during your trip? Then surely our page with The 5 Best and Cheapest Websites to Compare and Rent Cars Around the World will help you choose the best rental car and find a good deal.

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Best Travel Insurance for Winter, Adventure, and Extreme Sports

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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.

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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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2024’s Best Travel Insurance for Adventure and Extreme Sports

• Updated on: March 12, 2021

This article may contain affiliate.  For more information, please see our disclaimer  here.

Table of Contents

Adventure travel insurance is one of the most important things, if not the single most important thing, you can take with you on your trip. Accidents happen when you least expect them, and the last thing you want to do is be stranded in a foreign country with thousands of dollars in medical bills and expenses.

Travel insurance becomes even more important if you plan on doing any extreme sports or activities, like skiing, boating, or even bungee jumping. We love thrilling sports and adventures but we also know that doing those fun things don’t come without risk.

That’s why we never travel without adventure sports travel insurance. It doesn’t just protect us against travel mishaps and medical emergencies, but it also gives us peace of mind so we can enjoy our trip (and all the fun, exciting activities we do) without worry!

Our experience with travel insurance

Only on the third day of our trip around the world, Kelly got really sick. We were in Romania when she suddenly had a lot of pain in her belly. Not only did we have to visit the hospital, but she also had to have emergency surgery to remove a cyst the size of a tennis ball that started to leak. Without adventure travel insurance, we would have to pay all those bills out of our own pocket and our world trip would be over within a shorter timeframe than our average holiday. But luckily, we were insured well, so we didn’t even see a single bill. And as soon as she was recovered, we could continue our travels without spending a dime on hospital or medical costs. 

Sure, the chances that something major like this happens on your trip are pretty slim. But we can tell you from experience that these things are always a possibility. No matter how cautious, experienced, or well-traveled you might be – you simply can’t predict the future! Accidents can happen anytime and to anyone.

Adventure Travel Insurance vs. Regular Travel Insurance

Not all travel insurance is made equal! While most travel insurance providers have coverage for medical emergencies and trip protection, very few of them offer protection for adventurous activities. That’s why it’s important to know the difference between regular travel insurance, and adventure travel insurance.

Regular travel insurance should usually cover the following:

• Emergency medical and dental
• Emergency evacuation to the nearest hospital
• Trip delay, interruption, or cancellation due to an unforeseen circumstance
• Lost, stolen, or damaged luggage and personal property

However, adventure travel insurance is a little different. While it also should cover the situations described above, it should also provide coverage for extreme sports and activities . So in the rare instance that you get injured, let’s say while hiking, then you’ll be reimbursed for any medical bills related to your incident. 

On the other hand, regular travel insurance will only cover low-risk activities, like sightseeing. While this is generally fine for most people, more adventurous travelers will need more robust coverage to protect them in a variety of outdoor situations.

World Nomads Insurance

World Nomads is one of the biggest names in the adventure travel insurance industry. A lot of avid travelers, sports enthusiasts, and digital nomads use them for their international trips since they cover medical emergencies, trip cancellations and interruptions, and of course, extreme sports.

In fact, there are over 200 activities that are covered with a World Nomads travel insurance policy. 

Their most affordable plan (the Standard Plan) includes protection for numerous activities like skiing, kayaking, surfing, quad biking, and ziplining. However, more extreme activities, like shark cage diving, cliff jumping, or sky diving are not included with this plan. If you are spending your trip doing more adventurous sports, then we recommend upgrading to the Explorer Plan.

Check here our in depth review of World Nomads

The Explorer Plan includes coverage for all the sports listed for the Standard Plan plus way more. You can see a full list of what is covered under each plan on their website .

SafetyWing Nomad Insurance

SafetyWing may be one of the newest insurance providers for travelers, but they’re quickly becoming one of the most popular. Their Nomad Insurance plan is targeted specifically at digital nomads, arming them with protection against medical emergencies and a variety of outdoor activities.

And don’t worry if you’re not a “digital nomad” per se. All travelers spending time abroad are able to apply for a SafteyWing travel insurance policy!

While SafetyWing provides decent coverage for medical emergencies and evacuation, they also protect you when participating in extreme sports and activities. Practically all recreational sports and activities are backed by your SafetyWing policy, from bungee jumping and hiking to kayaking and surfing.

Check here our in depth review of SafetyWing

Keep in mind there are about 40 activities that aren’t covered (like running with the bulls, whitewater rafting, and boxing). You can see the full list here .

Safety Wing vs. World Nomads

Which is better safetywing or world nomads.

It’s hard to say point-blank which adventure sports travel insurance provider is better. Choosing between SafetyWing and World Nomads will depend on numerous factors, like where you’re going, what type of sports you plan on doing, and how much coverage you want to have.

World Nomads may be the pricier option, although they do provide more coverage for things like trip cancellation and lost or damaged property. While SafetyWing includes coverage for trip interruption and lost airline checked luggage, they don’t offer any reimbursement if you have to cancel your trip before you leave or if you lose valuables once you’re at your destination.

On the other hand, SafetyWing does offer a higher maximum amount of coverage for medical emergencies ($250,000 vs. World Nomad’s $100,000). This can be a huge deal if you end up spending a lot of time in the hospital or require major surgery.

When it comes to sports coverage, you’ll need to look specifically at each provider to see if your exact activity is covered. Some activities may be covered with SafetyWing and not World Nomads and vice versa.

But at the end of the day, both SafetyWing and World Nomads are excellent options for digital nomads, world travelers, and adventure enthusiasts.

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We love to hear from you

Thanks a lot for checking out this comparison guide between the two most popular adventure travel insurances: SafetyWing and World Nomads. If you have any questions, concerns or if you think this guide was just really helpful, please leave us a comment below!

Don’t forget out to check out more of our travel tips and the reviews of SafetyWing and World Nomads for more information on any of these adventure travel insurances.

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2 thoughts on “2024’s Best Travel Insurance for Adventure and Extreme Sports”

Which travel insurance did u have that covered you while in Romania…Safteywing or World Nomads?

Hi John, good question! This was the SafetyWing insurance. They helped us out very well and checked in every day to see how I was doing.

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Travel Insurance

A guide to extreme sports travel insurance for manitobans.

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An extreme sport is any sport that involves a certain amount of inherent risk or a particularly high rate of injury. They usually involve speed, specialized equipment, stunts, or physical contact.

And while the word “extreme” might make you think these sports aren’t your thing, you could be wrong! Most of us have tried an extreme sport—like scuba diving and or ziplining—on vacation. Or, at least, we want to!

Within Manitoba, if you practice or play these sports and get hurt, your Manitoba Health Plan will cover you. But when you’re away? You’re vulnerable. Most plans don’t cover these sports without you intentionally seeking out additional coverage. So if you get hurt while participating, even if you have basic travel insurance, you could end up footing the bill.

Whether you’re a true extreme athlete or just a vacation thrill-seeker, it’s worth putting high-risk sport insurance on your radar. In this post, you’ll learn all the most-know info—and have tons of opportunities to get a free quote if you need one. Like right now!

Already know you need Extreme Sport Travel Insurance?

How extreme sports travel insurance coverage works in canada.

Most insurance companies offer enhanced Extreme Sports, Adventure Sports, and Sport and Activities Coverages as an optional travel insurance add-on. With this specialized coverage in place, you can rest easy knowing that your insurance company will pay any reasonable and customary charges for medical-related expenses (up to the maximum coverage limit).

This can include a critical, sudden, or unexpected emergency medical condition or injury that happens while you are participating in, or training or practicing for, the sport or activity you’re covered for.

Considerations When Buying Extreme Sports Insurance

It’s important to remember there may be specific clauses that apply in order for your coverage to be valid.  Some details that could affect your coverage include:

• Possessing recognized certifications (For scuba diving, a dive certificate is required)
• An activity’s level of difficulty (For rock climbing, only Class 1–3 climbs in Yosemite Decimal System could be covered)
• Practicing a sport on marked trails (Skiing and mountain biking coverage only applies if you stay on marked trails)

Which Sports Are Considered “Extreme”

Standard or basic sports are any activities people engage in during regular, daily life. Things like getting a few friends together to play hockey, joining a soccer team, or playing football all count because they don’t involve particularly high levels of risk. Anything above and beyond that could be considered extreme by your insurance company.

Extreme Summer Sports

Extreme summer sports are played when the weather is warmer, the days are longer, and all you need to wear is a t-shirt, shorts, sunscreen, and the proper protective gear.

Think extreme activities and sports like:

• Waterfall kayaking
• Wingsuit flying
• Bull riding/fighting
• BASE jumping
• Hanging gliding
• Bungee jumping
• Scuba diving

Extreme Winter Sports

Winter sports typically rely on snow, ice, and those bitter-cold, negative temperatures that true Manitobans fully embrace!

They’re extreme activities and sports like:

• High-risk snowmobiling
• Snow kiting
• Ice yachting
• Snow kayaking
• Shovel racing

What Your Extreme Sports Insurance Policy Covers

Because extreme and adventure sports are not always covered by standard health, life, and travel insurance, if they’re part of your life—while you’re at home or on vacation—you’ll want to look into insurance extension options that you can add-on to a more basic plan.

What specifically is covered in extreme sports insurance plans varies by insurance company, but many will offer Adventure Sports Insurance, Extreme Sports Insurance, and Sports and Activities coverage as add-ons.

Related : A Complete Guide to Winter Sports & Ski Holiday Insurance

Make Sure You Have All The Right Coverage

You may be an extreme risk taker when it comes to your activities, but we recommend you play it safe when it comes to your coverage.

If you’re in your 20s or 30s and are just starting to think about insurance beyond what you may have gotten from work/ your province, we recommend downloading our free Guide To Insurance For Manitobans in their 20s and 30s . In this simple, easy-to-read guide, we break down all the insurance policies that we recommend you take advantage of while your young and healthy.

Just like you wouldn’t jump on your bike without your helmet, don’t jump into life without the proper coverage.

Adventure Sports Insurance

Adventure Sports and Extreme Sports Insurance options always cover a predetermined list of high-risk activities and sports, but each insurer will have its own list, so it will be important that you specifically ask if your favourite sports are covered by the insurers you speak to. That said, here are some examples of extreme sports insurance options and the sports they cover!

Adventure Sports Insurance gives you coverage to the policy limit for sports like:

• Backcountry ski/snowboarding
• Downhill freestyle ski/snowboarding in organized competitions
• Ice climbing
• Mixed martial arts
• Mountaineering
• Rock climbing
• Downhill mountain biking

Extreme Sports Insurance

This plan will cover you for up to $500,000 for the following extreme sports:

• Hang gliding/paragliding
• Motorized speed contests
• Parachuting/skydiving/tandem skydiving
• Scuba diving or freediving (over 40 metres)
• White water sports – Class VI

Sports & Activities Insurance

This plan will cover any “reasonable and customary expenses” for medical and related expenses up to your coverage limits for an emergency, sports-related medical condition. (As long as the sport is included on their list of covered activities!)

Activities that are typically included are:

• Backcountry skiing and snowboarding
• Downhill freestyle skiing and snowboarding in organized competitions
• Downhill mountain biking 

Just know that the charges they pay for must be the result of an emergency that happens after your coverage begins—not an existing or chronic condition—and must happen outside of your home province or country.

Finding The Right Insurance Coverage

Not all extreme sports insurance options are the same. Sometimes one insurance company covers your sport, while another does not! And, sometimes the right coverage depends on where you’ll be playing your sport. Before you buy a policy, explain your specific extreme sport plans and circumstances to an Insurance Consultant , so they can make sure you have the exact coverage you need.

Extreme Sports Insurance Within Manitoba & Canada

The right extreme sports coverage within Canada all depends on what kind of insurance protection you have, and what you’re looking to protect. Typically, when accidents happen in Canada and you require medical attention, you’ll be covered under the Manitoba Health Plan. If you have employee benefits through work or your own individual health plan, you’re also likely to get enhanced coverage. Just keep in mind that there may be exclusions in these policies that would negate coverage in these instances. It’s best to always look into all the insurance coverage you have in place before you play, so you can fill any gaps.

Canadian Travel Insurance & Extreme Sports Activity Coverage

If you have a group plan with your employer or an individual health plan, you’ll likely have coverage for out-of-country travel, but remember that there will likely be exclusions if you’re traveling to play extreme sports! Again, it’s best to look into your coverage in-detail before going. And, since there will likely be gaps, we highly recommend purchasing an extreme sports travel insurance policy that goes over-and-above your baseline health plan coverage. This way, you’ll have options to add coverage for activities that would normally be excluded under a group policy.

To find the coverage that’s right for you and the extreme sports you love to play, talk to our expert Insurance Consultants . We’re licensed to sell insurance and because we represent you (not the insurance companies), we’ll make sure you get the advice and protection you really need.

Frequently Asked Questions About Extreme Sports Travel Insurance

In most scenarios, basic travel medical insurance reimburses you for any covered financial losses after you file a claim and that claim is approved. In other words, if you get hurt or sick while traveling, you pay for any medical bills upfront, file a claim when you get back, and then your insurer pays you back. (As long as your claim is allowed!)

Note: To file a claim, you’ll need to submit proof of your loss, so be sure you keep all necessary paperwork and evidence related to your accident.

If you have travel insurance and your sport or activity is not listed as an exclusion on your policy, you’ll be covered under the Emergency Medical Insurance plan. However, if your sport is listed as an exclusion, then it’s considered an extreme sport and won’t be covered. In that case, you’ll need to purchase additional coverage to enhance your emergency medical plan.

It depends on your credit card provider, as every company is different, but it’s very likely that extreme sports will be excluded from your credit card company’s policy.  Contact your provider to learn which sport activities are covered and the limit of coverage you have access to.

Adventure sports are only covered by travel insurance when you purchase optional coverage that gets added-on to your emergency medical plan.

If you’re injured outside of Canada and you don’t have specific extreme or adventure sport insurance in place, you would have to cover any medical fees and expenses you incur out of your pocket. This means paying for everything from hospitalization to medication to ambulance transportation to treatment fees, which can get very expensive, very fast.

If you’re coaching or teaching any extreme sports or activities but aren’t actually participating in them, you don’t need to purchase additional insurance. Your standard travel insurance will be sufficient.

Let’s Get You Covered!

As insurance brokers, we work with a variety of different insurance companies that each offer unique adventure and extreme sports insurance options. To secure the best one for you, get in touch with us . We’ll assign an Insurance Consultant to review your unique needs, and match you up with the best protection for your situation!

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Accessibility   |   Privacy Policy

WHAT MAY BE COVERED

Because this is conventional travel insurance, it covers the usual items (medical, trip cancellation, luggage, etc.) However, athletic travellers will be interested to learn that the following fees may also be covered:

• Compensation if your equipment is stolen, lost, or damaged
• Medical fees in case of injury
• Trip cancellation and interruption in case of injury or death
• Repayment for prepaid, non-refundable fees (e.g., excursions, tickets, hotel, and equipment reservation)
• Emergency air transportation

WHAT ARE THE CONSEQUENCES OF INADEQUATE COVERAGE?

If you are not insured for the sport you were doing when injured, the insurer may deny your claim. You would then have to pay your fees out of pocket (e.g., hospitalization, medication, ambulance, and treatment fees). Given that in the US the cost of treatment for a broken leg is about $7,500 and a three-day hospital stay can cost almost $30,000, the importance of being properly insured around the world is well understood.

Inform yourself before leaving on your trip. Prepare a list of athletic activities that interest you, and call us to check which are covered and which will require a sports endorsement.

Claim example

Surfing accident causes facial trauma.

Marco was surfing in Costa Rica when he wiped out; his board struck him on the face, causing a wide-open facial wound and fractured nose. The clinic in the small town he was staying in didn’t have appropriate treatment facilities, so he was airlifted to a nearby city for emergency medical treatment. Marco underwent facial surgery and further treatment, then was later discharged.

EXTREME SPORTS COVERAGE OPTION

To meet the needs relating to more extreme activities, we now offer coverage specially designed for these athletic travellers. For individual and team sports, for pleasure or competition, amateurs or professionals you are covered. Since it is an add-on to a travel insurance policy, you will also be covered for other medical emergencies.

HOW MUCH DOES IT COST?

The premium depends on the following factors:

• The sports category (contact, adventure, extreme)
• Individual or family policy
• Single trip or annual

Let’s take a look at what each of these categories includes.

CONTACT SPORTS

Designed for travellers over 18 years of age, this coverage applies to contact sports in the context of competitions, tournaments, and practice. This insurance is suitable for contact sports teams who want to travel for competitions abroad.

CONTACT SPORTS COVERED:

If your sport is not listed above, do not hesitate to contact us.

ADVENTURE SPORTS

Are you considering off-track skiing or participating in a triathlon? This insurance coverage is for you. Designed especially for individual sports, this endorsement covers many mountain and endurance sports. This coverage applies to travellers involved in training, instruction, participation and practice.

ADVENTURE SPORTS COVERED

• 6+ hours endurance activities (e.g., triathlon, ultra-marathon)
• Mountain climbing (below 6,000 metres)
• Downhill skateboarding (longboard)
• Downhill mountain biking
• Ice climbing
• Extreme snowmobiling
• Tandem parachute jumping
• Powered paragliding
• Paragliding
• Parasailing
• Parascending
• Extreme downhill skating
• Alpine skiing
• Non-motorized X Games (and sports in similar sporting events)
• Aerobatic flying
• Glider flying

EXTREME SPORTS

In addition to including the most extreme sports this category also covers activities that many travellers might do, such as scuba diving and go-karting.

Like the other options, this coverage applies to travellers involved in training, instruction, participation, and practice.

• Mountain climbing above 6,000 metres
• Ultimate fighting and mixed martial arts (MMA)
• Running with the bulls
• Motorized speed contests (e.g. driving courses, karting)
• Bull riding/bullfighting
• Scuba diving (without internationally recognized certification)
• Scuba diving or snorkelling (deeper than 30 metres)
• BASE jumping
• Wingsuit flying
• Motorsport X Games (and sports in similar sporting events)

If you expect to be doing sports during your next trip, don’t take chances. Contact us, and one of our agents will confirm whether you should opt for sports travel insurance. It rarely costs more than a few dollars, and will ensure that you are covered if you are injured.

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GET IN TOUCH

Phone: 1­-855-­447­-1515

Email: [email protected]

Hours: Monday - Friday, 8:30 a.m. to 8:00 p.m. EST Saturday & Sunday - Closed

Mailing Address: 355 High Street, Port Stanley, ON N5L 0B3

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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].

Extreme Sports Insurance

Challenge yourself to step out of your comfort zone without the fear of the risks associated.

Sports Travel Insurance Providers

The thrill of extreme sports is unparalleled. But if you are deterred from it because of the risk factor, fret not! The extreme sports insurance provides necessary medical coverage for all adventure enthusiasts.

Sustaining injuries while indulging in extreme sports is an undeniable possibility. To protect yourself and to avail financial support in case a dire situation arises, the extreme sports insurance is a must-have.

You must be 18 years or older to purchase extreme sports insurance. The insurance is required to cover emergency medical treatments amounting to the maximum limit specified in the policy.

The cost you’d have to incur for an extreme sports insurance premium depends on the level of risk of the activity, the maximum liability to the insurance provider, and other similar factors.

How to Calculate Extreme Sports Insurance Cost and Apply?

Get a Quote

By supplying our user-friendly quote calculator with the necessary information about your trip and plans for extreme sports, you can browse various add-on insurance options. Within moments, you’ll be able to ascertain the insurance premium costs. The quote is calculated based on how “high risk” the activity is.

Select a Plan

We take great care to deliver quotes that are specific to your needs. Out of the list of options provided, it is up to you to choose the one that suits you. On this page, you will find complete information about the plan so that you can make an informed decision.

Review Your Coverage

Go through the Policy Wording on the website to know about each travel insurance and extreme sports insurance plan in detail. You will also have to review the insurance plan rates and coverage that are listed. Each policy could be different in terms of the deductibles, coverage, and so on. The “Buy Insurance” or “Buy Online” button should lead you to the final stage of purchasing the insurance.

Application / Purchase

Now that you’ve finally decided about which insurance plan to purchase, you will be asked to fill up a form for the application. It takes only a matter of minutes, and you’ll be directed to a payment portal where you can checkout with a credit card. Once the payment is successful, you will receive the insurance policy by email soon after.

What Does Extreme Sports Insurance Cover?

The extreme sports insurance is an optional coverage that you can add to your travel insurance plan. It covers several high-risk activities like base jumping, scuba diving, bull riding, mountaineering, bullfighting, motorized X game sports, mixed martial arts, running with bulls, wingsuit jumping, rodeo, etc.

It is always better to have extreme sports insurance in addition to your travel insurance because most standard insurance plans do not cover a lot of the extreme sports activities.

No, other than Canadians travelling abroad, the extreme sports insurance can be purchased by foreigners visiting Canada as well.

Yes, exclusions in the form of non-emergency treatment and certain sports exist in some extreme sports insurance plans.

If you are a Canadian citizen, the maximum sum insured is $500,000 for injuries or expenses resulting due to extreme sports. Whereas for visitors, the sum insured ranges from $25,000 to $200,000.

Contact sports, adventure sports, and extreme sports are the three types of sports insurance available as add-ons to your travel insurance.

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
• 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;
• advocates illegal activity or discusses an intent to commit an illegal act;
• is vulgar, obscene, pornographic or indecent;
• does not pertain directly to the Website;
• threatens or abuses others; or libels, defames, invades privacy or stalks; or is racist, harassing, threatening or offensive;
• seeks to exploit or harm minors or older adults by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
• infringes any intellectual property right or other right of any entity or person, including violating anyone’s copyrights or trademarks, or their rights of privacy or publicity;
• violates any law or may be considered to violate any law;
• impersonates or misrepresents your connection to any other entity or person, or otherwise manipulates headers or identifiers to disguise the origin of the content;
• advertises any commercial endeavor (e.g., products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners or soliciting goods or services, or any combination thereof) except as may be specifically authorized on this Website;
• solicits funds, advertisers or sponsors;
• includes programs that contain viruses, worms, Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications or any combination thereof;
• 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.

Travel insurance and extreme sports: How Canadians can protect themselves

Travel insurance won't cover canadian skydiving accident victim as u.s. medical bills mount.

Social Sharing

High-risk holiday activities can end up being the furthest thing from a cheap thrill, especially when insurers dismiss a claim following a costly injury.

The price of an adventure-related mishap abroad was underscored this week after a B.C. woman's skydiving accident in Arizona .

Kenzie Markey, 32, plummeted to the ground when her parachute collapsed. She suffered a collapsed lung, a broken femur, pelvis and eye socket, and brain swelling. Although she survived, Markey has racked up $500,000 in medical bills in a little more than two weeks.

Her family was stunned to learn afterwards that her insurance claim had been dismissed as invalid because Markey was participating in an extreme sport.

• 5 tips to avoid travel health insurance woes
• Skydiving accident victim's U.S. medical bills mount
• P.O.V.: Do you have faith in travel insurance?

It's not an unusual circumstance, according to the Canadian Life and Health Insurance Association, which represents most of the more than 60 health and life insurers in the country.

But do insurers ever cover activities like skydiving or parasailing?

"Some plans do; some plans don't," said Wendy Hope, vice-president of external relations with the national organization.

Study policy's exclusion list

"If you are travelling and planning to engage in a high-risk activity, you should make sure you buy travel insurance, but you should also be asking some very, very specific questions to ensure the activity you plan on participating in is covered, because not all plans will cover them."

If it's a very general exclusion of ‘hazardous sports,' then what is a hazardous sport? To avoid those situations, you want to try and get clarity before you travel. - John Thain, president of the Travel Health Insurance Association of Canada

John Thain, president of the Travel Health Insurance Association of Canada, said holiday surveys show that travellers are more prone to "risky behaviour" when on vacation abroad.

What constitutes a hazardous or extreme sport isn't always so clear in insurance policies, however.

That's why Thain advises Canadians seeking thrills in another country to scan their policy and look for an exclusion list that clearly defines whether an insurance carrier considers a particular activity to be dangerous.

"Find a policy that's very specific," he said. "If it's a very general exclusion of ‘hazardous sports,' then what is a hazardous sport? To avoid those situations, you want to try and get clarity before you travel."

Adventurous activities that might be excluded include parasailing or hang-gliding.

If a traveller is unsure, the simplest thing to do is call an insurance provider's toll-free number to ask, Thain said.

A 2013 survey by the Travel Health Insurance Association of Canada , which represents about 80 travel insurers, brokers, underwriters, air ambulance companies and other organizations in the travel insurance field, found that 35 per cent of Canadians forego travel health insurance.

By Thain's estimate, less than five per cent of all travel insurance claims are denied.

'The outside edge of normal'

Licensed insurance brokers can also guide people towards higher-risk policies that would suit a more daring lifestyle, he said.

Some companies have more restrictive exclusion lists than others.

"They read something like: ‘We will not cover any motorized speed contest,'" said Bill Bailey, who specializes in sports risk with WL Edwards and Hudson Henderson insurance. "If you're planning on anything on the outside edge of normal like, say, mountain biking downhill, parasailing, skiing on extreme-risk, black-diamond-type hills, motorized sport speed contests, it is the responsibility of the person travelling to look at what is covered and what isn't."

Even professional athletes need to know when their travel insurance is covered by their sanctioned athletics association, and when they're on their own.

Bailey pointed to the case of Canadian freestyle skier Sarah Burke . The 29-year-old died two years ago after crashing on the superpipe at a Utah event sponsored by an energy drink company.

Burke did not have her projected $200,000 in hospital bills covered by the Canadian Freestyle Skiing Association because the event she was participating in was not officially sanctioned.

"You cannot get insurance for most pro athletes," Bailey explained. "They have to go through the sanctioned body, so if you're a PGA guy, you have to go through the Professional Golf Association."

Vacationers who decide to engage in a high-risk activity would be wiser to study their travel insurance policies rather than to leave it up to chance, Bailey said.

"Don't think that if you buy one [policy], you buy them all and they're all the same," he said.

• Sarah Burke's medical bills covered by donations

He estimates that about 75 per cent of the travel medical insurance policies offered to Canadians would exclude skydiving or parachuting.

But that doesn't mean policies that do cover those types of activities would be necessarily more expensive.

"It's not always the case," Bailey said. "Sometimes the dollars aren't different, it's just the wording. The cost for the insurance can be very similar, it's just the policy exclusions are different."

Markey's case serves as a a cautionary one, he said. As the Pemberton, B.C., resident recovers in an Arizona hospital, her family and friends continue trying to raise funds online to help offset some of her medical expenses.

More than $17,000 has been raised so far towards the family's fundraising goal of $50,000 — but it's still a long way away from the $500,000 total cost.

Related Stories

• Kenzie Markey, injured skydiving in Arizona, comes home to B.C.
• CBC Marketplace: Travel Insurance Tip Sheet
• CBC Marketplace: You're not Covered

External Links

• Help Kenzie with her huge U.S. medical expenses
• Travel Health Insurance Association of Canada

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• Travel Insurance

Adventurous Sports Insurance

Throwing yourself onto a bike or into the sea be sure you're covered., do i need adventurous sports insurance.

There's a degree of risk to most sports, but particularly the adventurous ones.

Having the right cover in place before you go on holiday means you can try exciting and adventurous sports without worrying about what might happen if something goes wrong.

Admiral Travel Insurance covers a wide range of sports, but let’s take a look at which ones you’re covered for as standard and which you’ll need to pay a bit extra for.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

What's covered under standard travel insurance?

Many of the sports you might want to do on holiday are covered by our standard holiday insurance.

These activities don’t require an extra payment on top of your standard travel insurance – and you’ll be covered for personal accident and legal liability too:

Banana boating

Body/boogie boarding

Canoeing (up to grade two rivers)

Fishing Kayaking (up to grade two rivers)

Parasailing (over water)

River tubing

Sailboarding

Scuba diving up to 30m*

Sea kayaking

Snorkelling

Wake boarding

Windsurfing

Yachting (inside territorial waters)

Water skiing

White/black water rafting (up to grade four rivers)

*For unqualified scuba divers, the diving depth is limited to 30m. (See policy wording for more conditions around scuba diving cover).

Raquet ball

Table tennis

Tennis Volleyball

Beach games

Cycling (except for racing, BMX, mountain biking, and cycling on extreme terrain)

Fell walking

Hiking (up to 4,000m altitude)

Hot air ballooning

Ice skating

Orienteering

Paintballing

Pony trekking

Safari (guided)

Rollerblading/inline skating

Sand boarding

Skateboarding

Trekking (up to 4,000m altitude)

Paddle boarding

Jogging/Running (excluding marathons)

Pony trekking (any equine 58 inches or less at the wither)

Extreme sports travel insurance: how to get covered for hazardous activities

If you couldn’t see your chosen activity on the list above, don't panic. Adrenaline junkies out there can still try that once-in-a-lifetime bucket list activity – you’ll just need to pay a little extra to be covered.

When buying travel insurance through Admiral, you’ll get the option to add extra cover for a specific hazardous activity. Just select the sport or activity you’ll be taking part in and pay the extra cost to get cover.

Bear in mind all hazardous sports and activities on our list exclude cover for personal accident and legal liability:

Assault course

Bungee jumping (maximum three jumps)

Canoeing (rivers over grade 2)

Canyon swinging

Coasteering

Gorge walking

Horse riding

Kayaking (rivers over grade two)

Kite surfing (over land)

Sand yachting

Scuba diving to depths between 30m and 50m (requires qualification)

Sea canoeing

Shark diving

White/black water rafting (rivers over grade four)

Yachting (outside territorial waters)

Trekking (up to 4500m altitude)

Hiking (up to 4500m altitude)

Motorcycling over 125cc (Europe only)

Sky diving (max 3 jumps)

Paragliding

If you'd like to be insured for a sport that’s not listed, contact our team to find out if we can arrange cover for you.

What level of cover do I need?

Now you know what activities are covered as standard and which require an extra payment, you need to choose the right cover for your trip. We break travel down into three zones:

• Worldwide excluding USA, Canada, Caribbean and Mexico

See the full list of benefits  in the policy summary booklet .

Winter sports insurance: make sure you're covered

If you're taking to the slopes to go skiing or snowboarding, you'll need to add our  winter sports insurance  to your standard cover.

As well as covering you in case of accidents or injury on the slopes, winter sports insurance means you'll get compensation if your equipment is lost, stolen or damaged. It also covers you if your trip is affected by severe weather, like avalanches.

Without the upgrade, your trip won't be covered at all but adding it means you'll get all the standard protection included in our single trip and annual policies as well as cover for the sport you'll be taking part in.

Limitations and exclusions

As is always the case with insurance, there are certain limitations and exceptions that could invalidate your cover.

For Admiral's winter sports insurance, we don’t cover travellers over 75 years old for trips within Europe and over 70 years old for trips outside of Europe.

Reckless behaviour

You won't be covered if you're injured as a result of your own reckless behaviour. This includes:

• Deliberately injuring yourself
• Being under the influence of drugs, solvents or excessive amounts of alcohol
• Not following the safety precautions while taking part in an activity

For a full list of exceptions, see the General Exclusions section in our policy documents .

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913 .

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, single trip insurance, annual trip insurance.

[email protected]

Extreme Coverage For Extreme Travelers

SafeTreker is an adventure travel insurance product designed to cover over 500 sports and activities. This adventure travel Insurance offers varying levels of benefits and coverage, depending on your budget and travel needs. Levels of coverage are subject to the Policy Terms and Conditions described in the Plan Document. You can feel confident that your coverage will be there when you need it.

Visit website

Why choose Safe Treker

With over 500 different sports & activities on the list, we've got you covered.

If you are an active, sports-oriented person, more than likely, you'll be traveling, especially to take part in your favorite sport, or you might be interested in something you've never tried before. In either case, you need to know if you're insured to do it. Your SafeTreker policy automatically provides standard coverage for an extensive list of sports.

If you are an extreme traveler looking to find your next adventure, whether it be in the deep-sea or on top of a mountain. To ensure that you can focus on the experience, Safe Treker wanted to provide an additional layer of protection for you. As an added benefit of purchasing SafeTreker adventure travel insurance, you will receive a complimentary LutiKey.

What is LutiKey you ask? It is an incredible device and service that will help you stay safe on your next trip by offering robust tracking abilities for you, companions and possessions, in addition to having your sports and activites covered with SafeTreker. You will now have a free tracking device that will help safeguard you and your valuables while traveling. Some of the benefits of Lutikey are:  

Emergency Services Contact

Guidance in Unfamiliar Surroundings

Find Luggage and Valuables Anywhere  

Just some of the Hazardous Sports covered include:

Skydiving; hang-gliding; parachuting; mountaineering; bungee-cord jumping; scuba diving (if accompanied by a divemaster or if the depth is equal to or less than fifty (50) feet; spelunking or caving). 

The three coverage levels, safetreker  sport, provides coverage for some hazardous sports, including skydiving; hang-gliding; parachuting; mountaineering; bungee-cord jumping; scuba diving (if accompanied by a divemaster or if the depth is equal to or less than fifty (50) feet; spelunking or caving). this plan includes $2,500 for trip cancellation and interruption, $50,000 coverage for accident and sickness and $2,000 for baggage. also included in this plan is the search and rescue benefit of $5,000 and evacuation, in case of a natural disaster at your location, up to $50,000..

AM Best Rating: A+

Underwritten by Nationwide Mutual Insurance Company

SafeTreker  Extreme

In addition to Hazardous sports covered by SafeTreker Sport, SafeTreker Extreme offers coverage for over 400 named sports! Up to $5,000 for Trip Cancellation Trip Interruption and $100,000 Accident and Sickness Medical Coverage, $3,000 for baggage. Search and rescue up to $10,000 and Sports Equipment Rental protection up to $3,000.

SafeTreker  Extreme +

For the most adventurous, SafeTreker Extreme Plus covers up to 500 extreme activities and sports. This plan covers up to $10,000 for Trip Cancellation Trip Interruption and $100,000 Accident and Sickness Medical Coverage, $3,000 for baggage. Search and rescue up to $10,000 and Sports Equipment Rental protection up to $3,000.

Visit their website for the full range of available plans and benefits 

Want to insure with SafeTreker?

Cover for travelers.

Contact Information for SafeTreker

> Customer Service

251-661-0924

> Medical Emergencies

Call Toll-Free from the U.S.A.: 833-425-5101

Call Collect from abroad: 603-952-2686

> Claims Email

[email protected]

> Mail to

Trawick International® Post Office Box 2284 Fairhope, Alabama USA 36533

PolicyAdvisor LIVE 1-888-601-9980

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The athlete’s guide to travel insurance in Canada

Many insurance companies offer specialized travel insurance for athletes visiting Canada, or Canadian athletes travelling from one province to another. Because of their occupation, athletes often have greater insurance needs and should ensure they are covered in case of injury when travelling to compete.

Does Canada’s healthcare program cover visitors?

What is athlete travel insurance, does travel insurance cover international athletes travelling to canada for sporting activities, does a canadian athlete travelling to another province for a sporting competition need insurance, does travel insurance cover extreme sports, does athlete travel insurance cover athletes participating in a non-sanctioned sporting event.

Buying travel insurance is always a good idea if you are visiting another country. But does it provide sufficient coverage for athletes travelling for sporting events? The answer varies depending on the type of sporting event and whether the event is sanctioned.

In this article, we look at common exclusions in traditional travel insurance — like extreme sports — and why athlete travel insurance could be a better option.

Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.

If you are travelling to Canada from abroad, the country’s healthcare program will not provide you with coverage. Each province has its own healthcare system that offers many free services to Canadian citizens and permanent residents. If you are a traveller in Canada , you will be treated and receive care in a medical emergency, but the costs of this care will not be paid by the healthcare system.

For this reason, it is a good idea to protect yourself with travel health insurance . Travel insurance will cover the costs associated with emergency medical care, including prescription medication, hospitalization, and emergency transportation (like land or air ambulance services).

What is visitors insurance?

Visitors insurance refers to several different kinds of coverage you can purchase for a trip to Canada. These can include travel insurance that covers trip-related delays, emergency medical coverage, super visa insurance , and other types of comprehensive coverage.

Learn more about visitors to Canada insurance .

Some of the most common types of visitors insurance include:

• Travel insurance for trip-related incidents Insurance that covers things like flight delays, trip interruption, trip cancellation, hotel stays, lost baggage, etc.
• Travel medical insurance Insurance that covers the medical costs incurred from any medical emergencies you experience during your trip, including hospital stays, ER visits, cost of prescription drugs, medical transportation, medical evacuations, and similar unexpected medical bills.
• Super visa insurance This insurance is very similar to travel medical insurance but is tailored to fit the parameters of Canada’s super visa program. The super visa allows parents or grandparents of Canadian residents to visit for up to five years, with the option to apply for a two-year extension (as of July 4, 2022). Learn more about super visa insurance and super visa insurance payments . 

Athlete travel insurance policies are similar to traditional travel policies, only they can be broader in scope, providing coverage for specific sporting activities. This type of insurance takes into account the health and safety risks of certain sports and may consequently have higher premiums. Athlete travel insurance can also provide coverage for sporting competitions as well as coverage for lost or stolen luggage and trip cancellation.

For this type of plan, it is vital you disclose all the activities you plan to participate in. If you sustain an injury playing a sport not covered under your travel plan, medical payments will have to be made out of pocket.

Where can you get travel insurance in Canada?

You have several different options for purchasing travel insurance:

• Travel agent The travel agent through which you booked your trip may have access to travel insurance plans. But most travel agents deal with a single provider, so they don’t typically offer the most choice of plans.
• Employee or group insurance provider Your group benefits provider may offer the ability to purchase additional travel insurance through your group plan. Again, one downside to this approach is you are unable to compare the prices and plans of different carriers.
• Credit card coverage If you booked your trip on your credit card, you may also be entitled to some insurance coverage. Check the details of the policy before your trip so that you know of any limitations to your coverage. You typically cannot buy supplementary travel insurance through this plan, as it is an added benefit of your credit card agreement. Learn more about credit card travel insurance and its limited coverage.
• Insurance broker An insurance broker (like PolicyAdvisor ) can present you with several different choices of policies, providers, and premiums so that you can choose the coverage that would best suit your trip and budget. They can also offer insight into the claims process and guide you to which company would work best for the type of vacation or travel away from Canada you plan on making.

For some athletes, a traditional travel policy may be enough to cover their needs while in Canada for a sporting activity. For instance, if you decide to participate in a running event while on holiday in Canada or play basketball for leisure, a standard insurance plan should cover the costs of any medical care if you are injured.

But other sports — including extreme sports and contact sports — may not be covered by a conventional travel insurance plan. This is because they come with a higher risk of accident or injury.

Additionally, traditional travel insurance rarely covers athletes travelling to Canada for a paid sporting competition. In other words, if there are monetary prizes to be won in your sporting activity, traditional travel insurance will rarely cover the risk. A professional athlete who is paid for their sport may also have to deal with certain policy exclusions.

In these cases, you will require specialized coverage designed for athletes, which includes broader coverage and often higher premiums.

Canadian athletes travelling within Canada for a sporting competition do not necessarily require travel medical insurance . Under the Canada Health Act, all Canadian citizens can receive medical services across the country if they are considered necessary.

That being said, provincial health plans (like OHIP in Ontario) do have limits, and not all costs will necessarily be reimbursed. For example, provincial healthcare may not fully pay for ambulance services or transportation, medical devices, prescription drugs, emergency dental care, or a medical evacuation flight if needed.

It can therefore be helpful to buy additional travel insurance when travelling within Canada. This insurance can cover emergency medical bills not covered by a government health insurance plan, as well as provide protection should something happen to your baggage or sporting equipment or if your trip is cancelled.

However, as with all insurance policies, it is critical to read the fine print as some insurance companies will have exclusions based on sporting competitions. In some instances, insurance companies will actually refuse to pay out claims for injuries that result from training for or participating in professional sporting activities.

If ever in doubt, speak with your insurance provider or one of our expert advisors for help with making sure you have the right coverage for your specific needs.

Travel insurance plans have different coverage criteria when it comes to athletic activities and especially extreme sports. Coverage comes down to a few factors: the insurance provider, where you are playing the sport, whether specialized equipment is needed, and what the sport is.

Some insurance companies do offer optional coverage for extreme sports to an extent and at an additional cost. Exactly how much more extreme or “adventure” sports coverage will cost you depends on the sport and whether your insurance is for a single trip or multi-trip, annual plan , among other factors.

What’s considered “extreme sports”?

There are different categories of sports that may not be included in traditional travel coverage, most often extreme sports and contact sports.

Broadly speaking, many insurance providers will not provide coverage for “extreme sports” that have a higher risk of accident or injury. These include:

• Bungee jumping
• Parachuting
• Mountain climbing
• Mountain biking
• Hang gliding
• Freestyle skiing or snowboarding
• Motorized vehicle racing

Many underwater activities, like scuba diving, are also considered extreme. In this case, however, most travel insurance providers will include certain limitations and specific eligibility criteria rather than outright exclusions. For example, if you have obtained official certification for amateur scuba diving, you may be eligible for traditional travel insurance coverage. But watersports experts DiveIn highly recommend divers consider purchasing specialized diving insurance on top of standard travel insurance.

Contact sports may also be excluded from basic travel insurance and require additional coverage. As the name suggests, contact sports are those that authorize and require direct physical contact with people, such as:

What sports are covered under standard travel medical insurance?

Many sports are automatically covered by standard travel medical insurance. These sports are deemed low or moderate risk and do not require specialized coverage (unless practiced professionally or for pay). Covered sporting activities include:

• Cross-country skiing
• Downhill skiing or snowboarding on authorized trails
• Non-contact team sports (i.e. basketball, baseball, soccer)
• Non-motorized boating (i.e. canoeing, kayaking, sailing)

What sports aren’t covered at all?

Across the board, insurance companies will not provide any coverage for sports that require either a motorized vehicle, such as motorbike, race car, or go-kart, or equipment for flying, such as parachutes or hang gliders. Other high-risk activities like mountaineering are generally excluded from coverage too. In almost all policies — including those with specialized athlete coverage — rodeo sports and activities are excluded.

Unlicensed underwater activities, such as scuba diving, are often excluded. In other words, you need to complete certified scuba training to qualify for coverage. And most standard travel plans will exclude any paid professional sporting activities or contests with monetary prizes.

If you are planning sporting activities on a holiday or expect to participate in professional athletics, it is important to check with your insurance provider about coverage specifics.

In Canada, many athlete travel insurance policies will only provide coverage for sanctioned sporting events. Sanctioned sporting events are organized by an authorized group and have been formally approved by regulatory bodies. It is therefore important to check the policy’s fine print if you plan to participate in a non-sanctioned sporting event.

In some cases, sanctioned sporting events and authorized sporting associations will themselves provide insurance coverage to athletes if they are injured during an event. For example, professional athletes can often receive insurance coverage through their sanctioned professional associations.

While most travellers can benefit from some form of travel insurance, those who require extra coverage — like athletes or snowbirds — should pay particular care to make sure they have enough coverage for their needs.

If you need to make sure your plan covers you, or just need guidance on what’s available for your needs and within your budget, chat with one of our advisors. We can help to point you in the right direction.

• Athlete travel insurance provides health insurance coverage for athletes travelling to/within Canada to participate in sports
• Provincial/territorial health plans have limited coverage and do not cover visitors to Canada, so athletes can benefit from travel medical insurance
• Some sports are considered extreme and coverage will cost more, while some sports and non-sanctioned events may not be covered at all

Find this informative? Share it with someone you care about.

The information above is intended for informational purposes only and is based on PolicyAdvisor’s own views, which are subject to change without notice. This content is not intended and should not be construed to constitute financial or legal advice. PolicyAdvisor accepts no responsibility for the outcome of people choosing to act on the information contained on this website. PolicyAdvisor makes every effort to include updated, accurate information. The above content may not include all terms, conditions, limitations, exclusions, termination, and other provisions of the policies described, some of which may be material to the policy selection. Please refer to the actual policy documents for complete details. In case of any discrepancy, the language in the actual policy documents will prevail. All rights reserved.

If something in this article needs to be corrected, updated, or removed, let us know. Email  [email protected] .

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© PolicyAdvisor Brokerage (PAB) Inc., is an insurance brokerage licensed to sell life insurance products in Ontario, British Columbia, Alberta and Manitoba. Not available in other provinces. Policy obligations are the sole responsibility of the issuing insurance company. Issuance of coverage is subject to underwriting by the respective insurance company. Please see policy documents for full terms, conditions, and exclusions. The logos and trademarks used here are owned by the respective entities. Refer to our Privacy Policy and Terms of Service sections for additional information.

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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."

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 .

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 Travel Medical Insurance

• Comprehensive medical coverage with benefits up to $5,000,000.
• Adventure activities coverage available.
• Emergency Medical Evacuation protection up to $500,000.

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.

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

Global Insurance Plans for Digital Nomads

Running a Marathon Abroad: Health and Safety Tips

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Where do you live

All persons to be insured must reside at a permanent address within the EEC ( Excluding Switzerland, Russia, Belarus, Montenegro and the Ukraine) to be eligible for cover.

Can I take out this insurance if I am already travelling?

When cover is purchased after an Insured Person has departed their home to commence their journey, there is a fixed period of 48 hours prior to cover commencing. Any illness arising during this initial 48 hour period will be an excluded Pre-existing Medical Condition. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being independently witnessed and also verified by a Medical Practitioner.

There is no 14 Day Cooling off Period and no premium refund will be made if the insured Person has already travelled.

family family 

Definition of a couple

A couple is defined as 2 adults who have been permanently living together at the same address for more than six months, who intend to travel together.

If you do not qualify as a couple, please select individual(s)

Annual Multi-Trip Durations

Annual Multi Trip policies are designed for multiple short holidays leaving from and returning to your home country.

Annual Multi Trip trip limits:

Standard policy - 30 days

Premier policy - 70 days

If you need continuous cover for a year (home visits allowed on policies over 4 months long) select Single Trip or One Way. You can travel around as much as you like, to as many different countries as you like, with a Single Trip or One Way policy.

One Way Trip

Please note a Single Trip policy can cover travels with no return ticket booked, a One Way policy is intended for:

Emigrating to new country where you intend to permanently live

Returning to your home country permanently

All cover ceases upon arrival at final destination

Select the type of policy most suitable for your needs.

Single Trip: A flexible policy with no limits on how many countries you visit or how long you’re away for. Suitable for all types of travel whether it be short term/long stay or backpacking. No return ticket required and unlimited home visits offered on policies over 4 months long.

One Way Trip: Means you are Emigrating to a new country where you intend to live permanently or, returning to your home country permanently. Cover will end upon arrival at your final destination. Please note: There is no cover for emergency return travel expenses if you do not have an original return ticket.

Annual Multi-Trip: This policy covers an unlimited number of trips throughout the 12 month Period of Insurance. Each trip has a maximum stay validity depending on the type of policy chosen. For example, for Standard Policies, the maximum duration of any trip shall not exceed 30 days and for Premier policies, the maximum duration of any trip must not exceed 70 days. 

If you are already travelling it is not possible to purchase the annual multi-trip policy.

Geographical Areas

Europe: Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary Islands, the Azores and Mediterranean Islands as well as all countries bordering the Mediterranean. Australia & New Zealand: a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide excluding North America & Mexico: (North America means the USA, Canada & Mexico.) a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide including North America & Mexico: Worldwide means anywhere in the World including the USA, Canada & Mexico.

Automatic Trip Extension   If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the Booking Invoice or Validation Certificate (as applicable) for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium. In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance of a period not exceeding twelve months from the date of the hijack. Please ensure you arrange cover for the entire duration of your travel

Where you normally reside

Where do you normally reside? Where do you normally reside? Please use the drop down box to choose your country of residence. Note we can only insure residents of the UK & EEA Countries. Can I take out this Insurance if I’m already abroad? If you are normally a resident of the UK or EEA Countries and your insurance has run out, you may take out cover online with us. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Note you cannot take out our Multi-Trip Insurance if you are already abroad. Do you have minimum residency requirements? No. If you are, for example, a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you have a UK residential address.

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Cover for 156+ Activities

Whether you'll be scuba diving, kite surfing, jet skiing, bungee jumping, solo skydiving, trekking above 2,500m or kayaking, our Activity Packs can cover various levels of adventurous sports.

Winter Sports

Big Cat’s Winter Sports Extension provides great-value cover for those wishing to make the most of the snow. As well as standard skiing and snowboarding, you’ll be covered for cat skiing, snow skiing, cross-country skiing, off-piste skiing / snowboarding, and snowmobiling.

Helicopter Rescue Included

We know that safety is paramount when partaking in Extreme Activities. So you can rest assured that if something happens and you need to be helicoptered away, we’ve got you covered.

Up to £10m Medical Cover

24 hour emergency helpline, cancellation & baggage cover, claim while abroad, extreme sports travel insurance.

For those wishing to push the limits of adventure, we can offer you our Extreme Activity Pack which provides cover for the following activities:

Canyoning, trekking over 4,600 metres, BMX cycling, paragliding, gliding, parapenting, hang gliding, parascending, hiking over 4,600 metres,  rock climbing, kite surfing and lots more. For a full list of activities covered please follow this link.

The Extreme Activity pack also includes cover for all activities included in the Activity Pack.

Key Features of Extreme Sports Travel Insurance:

• Cover for over 156 sports and activities.
• Emergency Medical and Repatriation Expenses up to £10 million.
• Emergency Dental Cover.
• Cover duration of up to 24 months.
• Baggage Cover
• Gadgets & Valuable Cover 
• One Way Travel.
• No return ticket requirement.
• Free Home visits.
• Policy Extensions whilst still travelling.
• 156+ Sports and Activities.
• Winter Sports Cover.
• Loss of Passport & Visa replacement costs.

Some FAQ's:

Our most popular policy for paragliding is our annual multi-trip policy with the extreme activity pack included. This allows for multiple trips throughout the year (capped at 30 days or 70 days per trip) and paragliding cover on each trip. Medical expenses, repatriation & helicopter rescue are all included. You can also choose a single trip policy, for a short-term policy with the extreme activity pack included, to cover a one-off trip.

Personal Accident cover isn’t quite what it sounds like. If you have an accident and fall over and break your wrist, that’s covered under normal Medical Expenses. Personal Accident is basically: Loss of sight, loss of limb or permanent disablement.

What the Policy says under Section B. Personal Accident:

In the event of the Insured Person sustaining bodily injury arising wholly and exclusively from violent accidental external and visible means which injury shall solely and independently of any other cause result in his/her death or disablement within twelve calendar months of the injury, the Insurer hereby agrees to pay up to the amount shown in the Table of Benefits applicable to the type of policy purchased and shown on the Validation Certificate.

Provided that:

• A) the death benefit payable is reduced to £1,000 if the Insured Person is under 16 years of age or 66 years of age or over at the time of death B) the total compensation in respect of any one Insured Person shall not exceed £10,000 for BUDGET Policies, £15,000 forSTANDARD Policies or £25,000 for PREMIER Policies.

Definitions

Loss of Limbs : loss or severance at or above the wrist or ankle or total permanent loss of use of an entire arm or leg.

Loss of Sight : total and irrecoverable loss of sight which shall be

considered as having occurred:

• a) in both eyes if your name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist.
• b) in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen Scale.

Permanent Total Disablement: A disability which has lasted for at least 12 months from which the Insurer believes the Insured Person will never recover and which prevents them from carrying out any gainful occupation for which they are reasonably qualified by way of training, education or experience.

Special Condition

If an Insured Person was already disabled before the bodily injury or already had a condition which is gradually getting worse, the Insurer may reduce their payment. Any reduced payment will be based on their medical assessment of the difference between:

• the disability after the bodily injury; and
• the extent to which the disability is affected by the disability or condition before the Accident.

To add any of our Activity Packs, just follow the Quote form - to stage 3 - there you will find all of the optional extras.

The Additional Mountain Rescue section of cover is a specific level of cover that takes effect when helicopter rescue is deemed necessary by the local Rescue Authorities due to a non-medical emergency such as natural disasters or adverse weather conditions.

This section of cover does not apply to Medically Necessary helicopter evacuations - these costs are covered under the Medical & Repatriation section of cover.

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388)   is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk  or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services.  All rights reserved.

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List of automatically covered medical conditions that do not need to be declared

Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration, Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment, Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs.

Important information

If you have a medical condition in addition to any of the automatically covered medical conditions, all conditions will be excluded from cover unless declared to the medical screening helpline.

What is classed as a medical condition?

a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/ specialist or prescribed medication).

b Any psychiatric or psychological condition (including anxiety, stress and depression) for which you have suffered which you have received medical advice or treatment or been prescribed medication for in the last five years.

c Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or for which you are prescribed medication.

Any premium for medical screening quoted can be paid directly. This can be done either before or after taking out a policy with us. The policy and medical extension connect automatically, no reference numbers need to be exchanged.

Choosing not to declare a medical condition will not invalidate cover, but any costs incurred in relation to an undeclared condition will not be covered.

If making a declaration all medical conditions must be declared, you can't choose to only declare certain conditions.

Medical conditions can only be declared for up to 12 months at a time. A second declaration will have to be made after 12 months if necessary.

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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*

Independent Service Rating based on 4642 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. 

Get an instant quote and buy  online now!

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!