Skip to Content

Does travel insurance cover adventure activities? 

Does travel insurance cover adventure activities

Does travel insurance cover adventure activities? 

Yes, travel insurance plans can cover adventure activities, athletic, and extreme sports, but some plans offer come under optional coverages, where policyholders need to pay an extra amount besides the premium. 

Visitor Guard® has several travel insurance plans that come with additional sports injuries coverage. The plans protect you from paying expensive medical bills in a foreign country. Whether you want to go on snowboarding in the Alps or dive deep in Thailand, you cannot anticipate accidents or injuries. 

If you are an adrenaline junkie or love getting indulge in extreme sports during your vacation, you should consider getting yourself covered while you are on your trip. Your standard insurance is not going to cover you abroad, hence purchasing travel insurance with adventure sports coverage can be a wise choice. 

Does travel insurance cover sports injuries? 

Each plan is different and can include different sports activities. Travel insurance plans can cover activities and sports under Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur sports. Sports like ballet, baseball, cheerleading, diving, fencing, golf, polo, rowing, volleyball, swimming, tennis, martial arts, karate, ski jumping, wrestling, ice hockey, competitive cycling (Road, Track, CX), gymnastics, rugby (no division one), football (no division one), soccer, and more are included under the athletic sports coverage. Some plans come with low, middle, and high options with an additional flat monthly rate. Check the plan and the brochure to know your options, additional factor, and flat rate.  

Which plans you can buy? 

  • Safe Travel USA Comprehensive 

The plan has an optional upgrade for athletic sports and provides coverage for injuries incurred during amateur, Club, Intramural, Interscholastic, Intercollegiate activities such as archery, tennis, swimming, cross country, track, volleyball golf, ballet, basketball, cheerleading, equestrian, fencing, field hockey, football (no division 1), gymnastics, hockey, karate, lacrosse, polo, rowing, rugby, and soccer. Any athletic sport or activity engaged by you is not for leisure, entertainment, and fitness purposes are excluded. 

  • Atlas Travel 

Atlas Travel includes coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports – skiing and snowboarding (recreational downhill and/or cross country), snorkeling, water skiing, and others – at no additional cost. Certain extreme sports are excluded from coverage. 

  • iTravel Insured Travel Sport 

Along with medical benefits, evacuation, trip cancellation and interruption, and more, the plan also covers sports equipment rental up to $5,000 per person and hazardous sports up to $5,000 per person. If your sports equipment is lost, stolen, damaged, or delayed in transit to your destination by more than nine hours, you can be  reimbursed  up to the maximum amount to rent alternative sports equipment. 

  • Diplomat America 

The plan has an optional enhancement for athletic sports and hazardous activities and offers coverage for your injuries and wounds resulting from them. For extreme sports, it comes with three options: a) low option that has 1.25 factor to the base premium, b) middle option with 1.25 factor to the base premium and additional $25 flat monthly rate, c) high option with 1.25 factor to the base premium and additional $50 flat monthly rate. 

For Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, 1.25 factor to the base premium is applied in all three options. The low option comes with an additional $12 monthly flat rate, a middle option with an additional $26 monthly flat rate, and a high option with an additional $80 monthly flat rate. 

Practice or play in any amateur, club, intramural, interscholastic, intercollegiate, sports contest, or competition is excluded. 

  • Diplomat long term 

The plan is like Diplomat America, but there can be a difference in the policy maximum. Check the brochure before purchasing. 

Participating in adventure sports and extreme activities can double your risk of getting wounded or injured. This is why Visitor Guard® has several travel insurance plans covering hazardous sports. Rather than paying medical bills from your pocket, it is smarter to rely on a sports coverage plan. Call us now and get the best quote! 

Chiranth Nataraj

Chiranth Nataraj

Travel Insurance Expert

Chiranth Nataraj is a licensed insurance agent and the principal at, an independent insurance agency that provides visitor insurance to customers across the United States and the world. With over 20 years of experience, Chiranth has been instrumental in educating the travel community, new immigrants, the international student community, and foreign governments about visitor medical insurance to cover medical expense risks. He has built a team that strives to make the preferred choice for travelers, exchange visitor organizations, and international universities. His insights and expertise have made him a popular industry voice, and he is often featured in USA Today, Forbes, Washington Post, and many more.


Recent posts

The allure of foreign lands, the thrill of new experiences – travel broadens our.

Explore More

Visitor insurance is an essential shield for travelers venturing abroad. It protects you from.

Explore More

When it comes to choosing between group and individual insurance plans, understanding the cost.

Explore More




Back to top