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Adventure Sports Insurance for Extreme & High Risk Sports

Are you athletes playing sports around the world? If yes, then you should definitely opt for adventure sports travel insurance for yourself. Why? Playing sports is your profession and your passion as well, but sometimes it can give you a hazardous injury. Travel insurance for sports activity for the athletes is much needed for any adventure sport.

You might be having sports health insurance for your home country, but it won’t cover the expenses of getting injured in a foreign country. This is one of the reasons you need to apply for sports travel insurance for extreme sports activities. While playing sports, you never know what can happen. Injury is uncertain, but its cost is definitely certain. This is where our adventure sports insurance plans come to the rescue.

Visitor Guard® has various sports travel insurance plans with varying coverage and rates. All in all, you can save yourself from paying extensive medical bills in a country other than your home. Get one yourself and protect yourself financially, because being an athlete you can’t ensure safety from injury.

Sports Travel Insurance

Best Adventure Sports Travel Insurance Plans

Safe Travel USA Comprehensive

$69 / mo For age 45 years with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $1 million
  • Deductible options from $0 to $5000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19, Well Doctor Visit
  • Coverage for 1 episode of Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 364 days
  • Brochure
  • Review Plan
Purchase Now

Atlas Travel

$80 / mo For age 45 years with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $2 million
  • Deductible options from $0 to $5,000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 364 days
  • Brochure
  • Review Plan
Purchase Now
Travel Insurance Plans

iTravelInsured Travel Sport

$78 / mo For age 45 years with a trip cost of $250
  • Accident and Sickness Medical Expense up to $250,000
  • Hazardous sport up to $5000
  • Trip Cancellation 100% of insured trip cost
  • Trip Interruption 125% of insured trip cost
  • Trip Delay up to $250 per day
  • Search and Rescue up to $50,000, Sports Equipment Rental protection $5000
  • Brochure
  • Review Plan
Purchase Now
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Diplomat America

$99 / mo For age 45 years with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $1 million
  • Deductible options from $0 to $5000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage from 5 days to 364 days (non-renewable)
  • Brochure
  • Review Plan
Purchase Now
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Diplomat Long Term

$173 / mo For age 45 years with $500,000 plan and $250 deductible
  • Plan maximum limit choices from $500,000 and a $1 million
  • Deductible options from $0 to $5,000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid -19
  • Unexpected recurrence of a pre-existing condition( for US citizens)
  • Renewal Coverage from 5 days to 2 years
  • Brochure
  • Review Plan
Purchase Now
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Benefits of Sports Travel Insurance 

If you are still thinking about its importance or how health insurance for sports activity will help, read the benefits. We try to entirely secure you financially so that you can play with full enthusiasm and without any fear of getting injured and paying heavy bills.

  • Activity Coverage: When we say sports, we mean every from tennis and badminton to basketball and football. No matter which sport you are into, we have covered almost every sport in our plans.
  • Loss of Baggage: Traveling from one country to another, the chances of misplacing the baggage increase. Hence, the lost luggage coverage is also included in the plan.
  • COVID-19 Coverage: Whether you are opting for travel insurance or sports travel insurance COVID-19 coverage has become essential looking at the situation.
  • Extended Medical Coverage: Get all your medical charges covered, from the doctor’s fees to hospital room costs and pharmacist bills.
  • Multiple Plans to Choose From: there are in total four different sports travel insurance plans that you can go through or choose from.

Why choose us for Sports Travel Insurance

Here at Visitor Guard®, we believe in providing full security for your health as well as your pocket. All our health insurance plans are curated by industry experts. Here are a few reasons why choose us:

  • Affordable Plans: We have different plans with different affordable rates. Insurance plans are supposed to be relievers, not stress givers.
  • 24/7 Customer Support: Being a believer in 100% customer satisfaction, we provide never-ending customer support to solve queries.
  • Easy Procedure: Getting an insurance plan is an easy process, you don’t need to go through plenty of examinations.
  • Quick Claim Reimbursement: As soon as you claim the insurance policy the reimbursement will be done quickly.
  • Worldwide Availability: Visitor Guard® is not limited to one country, it has a worldwide presence to help its customers.
Water Sports Travel Insurance

Water Sports Travel Insurance

Travel insurance policies are mostly designed to keep travelers’ travel and medical needs in mind. But with the popularity of water sports, many travel insurance companies are including extreme and common water sports coverage, allowing adventure enthusiasts to take part in it without worrying about accidents or injuries.

If you wish to include water sports in your coverage, you need to pay extra because not all polices offer water sports coverage. If your chosen sport isn’t included in your coverage, you  are not covered in the event of  any injury or accident that might happen while participating in that sport.

The most common water sports are scuba diving, sailing, surfing, tubing, waterskiing, jet-skiing, parasailing, fishing, free diving, and more.

Travel Insurance for Winter Sports

Travel insurance policies for winter sports cover a wide range of activities with varying levels of danger. However, you may not find many sports covered in insurance policies. For instance, while skiing can be a part of many policies, ice climbing can be included but less common.

If you’re planning to take part in some activities in a snow-clad landscape, getting insured can protect you from adverse situations. From evacuating and transporting you to the nearest equipped hospital to getting cashless treatment for any injury, travel insurance plans for winter sports can save you in plenty of ways.

Travel Insurance for Winter Sports
Adventure Sports Travel Insurance

Why do I need adventure sports travel insurance?

Travel insurance for adventure sports protect you from different unforeseen events during your vacation. If your next trip includes skiing in the Alps, or sky diving to see the spectacular views of the Sydney coastline, getting a sports travel insurance plan should be on your list.

The policies can cover medical expenses, treatment, and hospital charges for the injuries that happen while taking part in a hazardous activity. Plus, medical evacuation coverage serves as a great benefit to travelers. They receive air ambulance to pick them up from deserted locations and transport them to the nearest qualified medical facility.

Some policies also cover sports rental equipment and offer reimbursement if any of your sports gear is lost, stolen, or damaged during the trip.

What to consider when buying travel insurance for sports?

Travel insurance for sports can vary from policy to policy. Sports or activities covered in one policy may not be included in another policy, hence, you need to be very particular about your needs. When buying sports insurance coverage, it is suggested to include at least $100,000 medical evacuation and $50,000 or more emergency medical treatment. Also, check the medical benefits, terms of claims, and claim processes.

What does adventure sports travel insurance cover?

Emergency medical- The policy offers cashless treatment to a medical emergency that occurred while taking part in an extreme sport.

AD&D– In the event of death or loss of a limb while participating in a dangerous activity or sport, some insurance policies can provide a payout to you or to your beneficiary.

Medical evacuation– The policy can cover medical evacuation, that is transportation to the nearest qualified medical facility in the event of injury or accidents.

Medical repatriation– Plans offer coverage repatriation (return of mortal remains) in the event of death of the insured.

Trip cancellation– Sports travel insurance plan can cover trip cancellation benefits and refund you prepaid and non-refundable trip expenses, sports tickets, rentals, fees, and more.

Sports Travel Insurance

Activities included under Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports:

For this coverage, an additional 1.25 factor is added to the base premium plus any additional monthly flat rates as listed in the below table.

OptionsActivities included under Athletic Sports &
Hazardous Activity
Activities included under Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports
Low OptionNo Additional ChargeAdditional $12.00 flat monthly rate.
 Includes the following sports:-BMX; Bobsledding; Bungee Jumping; Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate (Non-competitive); Motor Scooter; Motorcycling; Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving (Not to exceed 30 feet, Resort Course or equivalent required); Snow Skiing (Recreational); Snowboarding(Recreational); Snowmobiling; Spelunking/Caving; Surfing (Recreational); Trekking (Not exceeding Class IV Difficulty on Yosemite Decimal System); Wakeboarding; Water skiing; Whitewater Rafting (Class I through V rapids); Wind Surfing; Zip Lining.Includes the following sports:-Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo (Horse); Polo (Water); Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleyball.
Middle OptionAdditional $25.00 flat monthly rate.Additional $26.00 flat monthly rate.
 Includes the following sports:-Aerial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning (As a pilot); Mountain Climbing (14,000 ft. & below – Ropes & proper safety equipment required); Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing (Ropes & proper safety equipment required); Scuba Diving (Below 30 feet, PADI/NAUI Certification required, or insured must be accompanied by a certified diving instructor); Skydiving; Snow Skiing Off-Piste.Includes the following sports:-Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing (Slalom, Giant Slalom, Downhill); Ski Jumping; Wrestling.
High OptionAdditional $50.00 flat monthly rate. Additional $80.00 flat monthly rate.
 Includes the following sports:-Big Game Hunting (Use of Firearms); Diving with Sharks; Mountain Climbing (14,000 ft. & above – Ropes, proper safety equipment & certified guide required); Running with the Bulls; Security Detail (use of firearms).Includes the following sports:-Football (No Division One); Gymnastics; Rugby (No Division One); Soccer.

Shopping for Sports Travel Insurance

Do your research as you shop for sports travel insurance. It’s important to compare your needs with what is covered by each plan. Once you decide on which plan suits you, you can purchase it online.

Often, in addition to receiving an e-copy of your policy shortly after purchase, you will also receive a copy of the policy in the mail. This may take two weeks or less depending on the company.

Safe Travels USA Cost Saver and Diplomat America are good options for those who are seeking sports travel insurance when visiting the United States from another country. They can save you a lot of money in case of a tragic accident. Get quotes for them, review their plans, and decide on the one that provides you the coverage you need.


insurance for athletics club sports and organized sports

Sports Travel Insurance Inclusion and Exclusions

Coverage for pre-existing conditions: If you have any condition for which you have taken medication or treatment in the recent past, it is important to know what your plan will cover in case the condition recurs. Typically plans do not cover known and scheduled treatment costs. However, should the condition unexpectedly recurs, Safe Travel cover the first $1,000 related to the treatment of a sudden unexpected recurrence of a pre-existing condition, while Diplomat America excludes all treatment related to a pre-existing condition.

Safe Travel offers optional coverage by paying an additional 20% of the premium for athletic sports coverage, here professional and semi-professional sports always fall under the exclusions. Diplomat America offers optional coverage at an additional 1.25 factor on the base premium plus additional flat monthly rates as specified in the table above.

Club sports or organized sports can be covered via a group plan. Please contact us for a custom quote.

ballet dancing travel insurance

Traveling always involves risks, and when it comes to participating in sports and adventurous activities abroad, the risk is doubled. Even if you are a seasoned athlete or sportsperson, you can never be certain something won’t go wrong on your next trip abroad. Rather than running the risk of paying through your nose for medical expenses, rely on sports travel insurance that will prove immensely valuable in an emergency situation. Don’t you think the peace of mind you will experience is worth the premiums you pay? Then go for it and get the best quote today!

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Adventure Sports Travel Insurance FAQs

The cost of sports insurance will vary as per the different plans. All the plans have different coverage, deductions, and hence the pricing. Two plans are on the economical side, whereas the other two have extensive medical cost coverage with high pricing.


Frankly speaking, no health insurance will cover extreme sports. However, you can do the addition of enhancement benefits to the plan for the coverage.

Activities in which life is at risk or there are chances of disability are considered hazardous activities. The sports like base jumping, snowboarding, rock climbing, Parasailing, scuba diving, snow skiing, water skiing, paragliding, hand gliding, and bungee jumping.

Sports activities like jet skiing, kayaking, sky diving, rock climbing, bungee jumping are considered hazardous sports and will need the adventure/hazardous sports rider coverage to be added your insurance policy for coverage for such activities. 

Coverage for injuries incurred during Amateur, Club, Intramural, Interscholastic, Intercollegiate activities for basketball, soccer, ballet, football, (check plan brochure for complete listing) can be covered with a Athletic sports rider at an additional daily premium.  

Professional and Semi Professional Sports are always excluded. Any athletic sport not expressly mentioned as covered are typically excluded from the policy unless the activity is non-contact and engaged in by you solely for leisure, recreation, entertainment, or fitness purposes only.

Sports with high speed and high risk are known as extreme sports. Here are the sports activities that are considered as extreme for sports travel insurance: snowboarding, skateboarding, in-line roller-skating, street lugging, freestyle skiing, BMX, and mountain biking.

Among four different sports travel insurance plans, Atlas travel insurance plan has the inclusion of water sport. For other plans, you will have to add the hazardous activity benefit plan. 

Sports insurance will help you in reimbursing the medical costs and protects you financially. Sports travel insurance is for the athletes or players who are going to represent the country in the sports activity. While playing there is a risk of getting injuries, resulting in high medical bills and this is why sports insurance is needed. 



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