Hazardous Activities Your Travel Insurance Won’t Cover

hazardous activities travel insurance

Do you consider yourself to be the adventurous type? The type who enjoys taking risks and taking part in hazardous activities when you travel? Or maybe that’s not really your style, but you’re up for a good thrill every once in a while–especially when you’re in a new place? For the adventurous among us, there is no shortage of adventure activities to try out when traveling, from extreme sports to skydiving to scuba diving, just to name a few.

If this sounds like you, it’s important to make sure that you’ve obtained a travel insurance policy with medical coverage for extreme sports in the unfortunate case that something goes wrong on one of your excursions. The thing is…your standard travel insurance plan won’t cover a lot of the risks associated with adventure travel.

Coverage varies by the travel insurance provider, but generally speaking, there’s a list of activities that are considered to be hazardous in nature and won’t be covered under most of them:


Bungee jumping

Extreme skiing, heli-skiing or going outside marked areas (Important note: Normal skiing is covered by most travel insurance–just not the riskier kind!)

Mountain climbing and high-altitude activities where climbing gear such as picks and ropes are involved


Hang gliding 

Full contact sports, like football and wrestling


Scuba diving below 120 feet (40 meters) or without a dive instructor

But fear not, brave adventurers! When it comes to travel insurance, you’ve got options, no matter what it is you plan to do while on vacation. If any of these kinds of hazardous sports are on your list, you just need to get a bit of additional coverage by way of what’s described as a “hazardous sports rider” and paying an additional premium. Basically, this rider will cover any additional expenses you incur as a result of participating in these “hazardous activities”, so you won’t be in a bind if you end up in a rare–but possible–accident.

So plan that bucket list trip to scuba dive in Belize, trekking in Nepal, or heli-ski in Japan…just make sure you’re covered in case your adventure turns into a misadventure. We hope it doesn’t happen, but if it does you’ll be glad you took this extra step!

To help you get started, check out this travel insurance profile we put together for adventure travelers like yourself, and then get a free insurance quote here.

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