How to Get Travel Insurance for Extreme Sports

When planning a big adventure, the last thing you want to think about is paperwork and policies. But if your trip includes extreme sports—like skiing, scuba diving, bungee jumping, or even paragliding—you need to pay special attention to your travel insurance.

Here’s why: most standard travel insurance policies will not cover accidents or injuries that happen while participating in extreme sports. That means if you twist your ankle skiing in the Alps, need a helicopter evacuation after a climbing accident, or break a bone paragliding off a mountain in Switzerland, you could be left facing sky-high medical bills on your own.

Why Most Policies Exclude Extreme Sports

Travel insurance is designed to cover the unexpected, but insurers see extreme sports as high-risk activities. Anything considered “hazardous” or “adventurous” is often listed under exclusions. This means even if you’re covered for emergency medical care, that coverage may not apply if the injury happened while you were:

• Skydiving

• Scuba diving past a certain depth

• Bungee jumping

• Rock climbing

• Paragliding

• Skiing or snowboarding off-piste

And the list goes on.

The problem is, many travelers don’t realize this until it’s too late. They assume they’re covered—only to find out in the fine print that their activity voids the benefits.

Travel Insured’s Extreme Sports Bundle

Here’s the good news: Travel Insured International offers an Extreme Sports Coverage upgrade that you can add to their Worldwide Trip Protector Platinum plan.

This bundle extends your medical coverage, trip interruption, and evacuation benefits to include those high-risk activities that are usually excluded. It’s a simple add-on, but it can make all the difference if you’re planning an adrenaline-filled trip. You do need to have the Platinum plan and add the extreme-sports bundle on within 14 days of purchasing your plan. Click here to get a quote from Travel Insured.

My Personal Story

On my upcoming trip to Switzerland, I wanted to paraglide over the Alps (bucket list moment!). I assumed adding coverage for such a high-risk activity would be expensive. But when I checked the quote, I was pleasantly surprised to see it only added $16 to my policy.

Sixteen dollars for peace of mind while literally jumping off a mountain? Yes, please.

Why It’s Worth It

For such a small cost, you get:

• Emergency medical coverage if something happens mid-adventure

• Coverage for medical evacuation (helicopter rides in the Alps aren’t cheap)

• Trip interruption protection if your plans change because of an extreme sports incident

• The confidence to enjoy your adventure without second-guessing “what if?”

Bottom Line

If your travels include any activity that could be considered adventurous or hazardous, do not assume your standard travel insurance covers it. Always read the exclusions section carefully.

If you’re looking for a simple solution, the Travel Insured Worldwide Trip Protector Platinum with the Extreme Sports upgrade is an excellent option. For just a few extra dollars (seriously, mine was only $16), you can protect yourself while chasing once-in-a-lifetime experiences like paragliding in Switzerland.

👉 [Click here to check pricing and coverage for your trip through Travel Insured]

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