Extreme Sports Travel Insurance

Do I need extreme sports travel insurance?

By Matt Fernell, Editor-in-Chief at Finance.co.uk. Last updated 30th April 2024.

Matt Fernell

For high-adrenaline holidays with extreme sports, standard travel insurance might not cover you for activities like skydiving, rock climbing or skiing.

Extreme sports travel insurance explained

Extreme sports travel insurance is a financial safeguard against any costs you may have to pay if things go wrong when participating in extreme sports or activities while abroad.

This includes medical costs because many holiday destinations require payment for medical treatments. This type of insurance may also cover you for any damages to equipment that might have occurred.

Some sports and activities are covered automatically in a single trip or annual travel insurance policy, but the majority aren’t. In case it’s not included, you can add them by paying additional fees.

Because extreme sports are higher risk activities, getting the appropriate cover may cost more than standard travel insurance because there’s a bigger chance you may have to make a claim.

What can extreme sports insurance cover?

Extreme sports travel insurance covers various situations, helping to keep you protected if there’s an issue when doing any of these activities. You’ll get cover for:

Medical expenses

Any medical treatment expenses you may have had because of an injury should be covered with extreme sports insurance - up to a specific fee dependent on your insurance policy.


If injured when abroad, you may have to travel back home to undergo treatment or continue your recovery. The cost of your return or re-entry home should be covered when it’s medically necessary or if you’ve missed your previously arranged flight because you were receiving treatment.

Personal injury

If an extreme sports accident has left you with a permanent injury, you’ll receive a lump sum from your extreme sports travel insurance provider.

Personal liability

By making sure your extreme sports travel insurance has personal liability included, you’ll get cover for any damages you may have to pay for if you’ve accidentally injured someone else or damaged their property.

Activities included in extreme sports insurance cover

The activities covered could alter depending on your extreme sports travel insurance provider. Many may compile sports within ‘packs’ that you can add to your policy, with each sport or activity within that pack covered.

For example, some might offer a winter sports pack covering activities like skiing and snowboarding, or a motorsport pack, which might cover quad biking and race car driving.

Some of the most common extreme sports you’re likely to find cover for include:

  • Bungee jumping
  • Paragliding
  • Scuba diving
  • Windsurfing
  • Skiing
  • Zip lining

To get the best travel insurance for you, it’s best to know what activities you have planned before you travel, so you can find the right policy that covers them.

Sports that need extra cover

Although a lot of sports and activities are covered when you get the standard package offered by extreme sports travel insurance providers, there may be extra activities that you’ll have to add on individually.

These activities have a higher risk of accident or injury, so may require a more expensive fee. Some of the activities that may need extra cover include:

  • Rock climbing
  • White water rafting
  • Zorbing
  • Quad biking

The activities that need additional coverage aren’t universal across all insurance providers. Some might include different activities in their standard package, so it’s good to check around and compare.

Winter sports cover

Most travel insurance providers offer a separate winter sports cover package. This could be the best option to get if you’re going on a ski-centric holiday, for example. These types of packages can cover:

  • Skiing
  • Snowboarding
  • Sledging
  • Snowblading
  • Snowmobiling

This insurance doesn’t just protect you if you are injured during your activities. It also provides protection if any of your gear or equipment is lost, damaged or stolen.

Additionally, if you’re unable to partake in your winter sports activities for a consecutive period - usually 12 hours or more - then you’ll also get some form of compensation with this type of cover.

Get the right insurance for you

Travel insurance is important to financially protect you when you’re abroad. To make sure that you’re not suffering more than you need to if the worst was to happen, be sure to get an insurance plan that provides the appropriate cover for you.

The information provided does not constitute financial advice, it’s always important to do your own research to ensure a financial product is right for your circumstances. If you’re unsure you should contact an independent financial advisor.