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6 Things to Know About Travel Insurance for Extreme Sports and Outdoor Adventure Coverage (2024)

travel-insurance-extreme-sports-outdoor-adventure
travel-insurance-extreme-sports-outdoor-adventure

We all know friends who are adrenaline junkies. Those who get kicks out of taking crazy risks and going on wild adventures all around the world. Heck, maybe you’re thinking: That’s me.

We all know how important travel insurance is, but if you’re planning a ski trip, scuba diving trip or something even crazier than that, then you need to know which travel insurance cover extreme sports and outdoor adventure.

Here are 6 things you need to pay attention to when buying any sort of adventure sports travel insurance.

Travel Insurance for Extreme Sports and Outdoor Adventure Coverage

      1. Best travel insurance for outdoor sports

      2. What are the common outdoor adventure exclusions for travel insurance?

      3. What are the common personal accident and personal liability exclusions?

      4. Which outdoor activities are usually excluded?

      5. How much do extreme sports riders cost?

      6. Do you need sports equipment coverage?

      7. Do you have sufficient emergency medical evacuation coverage?

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1. Best travel insurance for outdoor sports

Planning your long-awaited trip overseas with your pals for scuba diving, rock climbing, skiing or snowboarding?

Remember to get travel insurance that covers your winter sports, water sports, or mountaineering and rock climbing (usually considered more dangerous).

When browsing travel insurance plans, you’ll realise that sports and adventure are usually split into 3 broad categories:

  • Leisure and recreational outdoor activities: Hot air balloon, scuba diving (up to 30m/40m, guided by licensed instructors, with PADI certification), skiing and snowboarding in resorts, hiking or trekking (up to 3,000m), jet ski, white water rafting, skydiving, paragliding, hang gliding, parachuting etc

  • Other more extreme sports: Bungee jumping, mountaineering, rock climbing (any climbing that involves ropes and equipment)

  • Competitions (not covered across all insurance companies except for Direct Asia): Marathons, ultra-marathons, biathlons, triathlons

This table below is a general comparison. Click in to each travel insurance review to see the specific outdoor activities they cover:

Travel Insurance

Leisure Outdoor Activities

Bungee, Rock Climbing

FWD travel insurance

Yes

Yes

Income Travel Insurance

Scuba diving (up t0 30m), ski, winter sports, hiking, trekking (below 4,000m) only

Yes, but climbing only on man-made walls.

MSIG Travel Insurance

Yes

Yes, but rock climbing must be done harnessed and on man-made walls.

Singlife Travel Insurance

Hot air ballooning only. Option to add covers for winter sports and adventurous water sports.

No

DBS Chubb Travel Insurance

Scuba diving (up t0 30m, with certifications), trekking (below 3,000m)

Yes, for Premier Plan & Platinum Plan only

Great Eastern Travel Insurance

Yes

Bungee jumping only

Sompo Travel Insurance

Scuba diving (up to 30m, with certification), trekking (below 3,500m) only

Rock climbing only if done on man-made walls.

Etiqa Travel Insurance

Yes

Bungee jumping only

Direct Asia Travel Insurance

Buy rider

Buy rider

Citibank Travel Insurance (by AIG)

Scuba diving (max 30m), trekking (below 3,500m), harnessed abseiling

Organised, harnessed rock climbing

Tokio Marine Travel Insurance

Yes

Yes

UOB Travel Insurance

Scuba diving under the supervision
of a qualified diving instructor only

No

OCBC Travel Insurance

Yes, for Ultimate Plan only

Yes, for Ultimate Plan only

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2. What are the common outdoor adventure exclusions for travel insurance?

Even if your travel insurance plan claims that it covers outdoor adventure and extreme sports, there will still be exclusions—a.k.a. activities that your insurance company is not willing to cover. Here are a few major examples:

  • Any professional competitions or sports in which you get paid, sponsored or receive any kind of financial reward

  • Any leisurely contact sport or MMA classes such as Muay Thai, Brazilian Jiu Jitsu (BJJ)

  • Mountaineering or rock climbing that involves ropes and climbing equipment, especially if it’s done unharnessed and outdoors on a wall that is not man-made

  • Expeditions to inaccessible, remote or previously unexplored places

  • Being the pilot or a crew member of an aircraft (except for your commercial flights eg. SQ)

You’ll be surprised that most marathons are not covered by travel insurance since there’s a grand prize you technically can win.

Now, you might say that you’re probably not going to do any of these sports. But between insurance companies, there are different standards as to what’s allowed, so always check your terms and conditions before you buy your travel insurance.

Lazy? Scroll up and you can read through our travel insurance reviews instead. We’ve scoured through policy wordings and terms and conditions for their outdoor adventure and extreme sports coverage.

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3. What are the common personal accident and personal liability exclusions?

While some travel insurance seems to have a comprehensive coverage, you have to make sure that the activity that you are doing is covered under Personal Accident or Personal Liability.

For instance, if you got the Singlife travel insurance and decided to buy the Adventurous Water Sports rider as well, you will be covered for all the usual scuba diving (up to 40m), white water rafting, kayaking, yachting, wakeboarding etc.

You’ll have to scroll to the end of your policy wording to check out the terms and conditions. Singlife travel insurance states that it covers you for:

  • accidental death and permanent disablement

  • emergency medical cover

  • personal liability

In other words, if you get seriously injured during any of these activities, your Singlife travel insurance will cover emergency medical costs, your death, and any damage you caused to the properties in that accident.

However, if you were to look at Etiqa travel insurance, you’ll see that the plan covers you for personal accidental death. When it comes to personal liability, some outdoor activities are excluded, such as:

  • vehicles

  • aircraft

  • watercraft

  • motorcycles, motor cars

  • boats

These are exactly the kind of activities where you’re more likely to suffer an accident. So don’t forget to check the fine print!

Tiq by Etiqa logo
Tiq by Etiqa logo

Total Premium

S$37.20

40% OffTotal PremiumS$62

MoneySmart Exclusive

Most efficient claims for flight delay

Tiq Savvy

Med. Coverage (Overseas)

S$500,000

Travel Cancelation

S$5,000

Loss/Damage of Baggage

S$2,000

Total Premium
Total PremiumS$6240% Off

S$37.20

MoneySmart Exclusive:

[MoneySmart Exclusive]
 
• Enjoy 40% off your Single Trip policy premium and 60% off Covid-19 add-on for Annual Plans. T&Cs apply
• Get S$88 Revolut Cash Award* and S$10 iShopChangi e-voucher with every policy purchased. T&Cs apply.
 
PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway. T&Cs apply.
 
[Etiqa's 10th Year 2024 Grand Draw]
Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

Valid until 15 May 2024

Apply Now

More Details

Key Features

  • Comprehensive COVID-19 add-on, protecting you before, during and after your trip

  • Covers Cruise to Nowhere

  • Get paid upon a 3-hour flight delay, even without submitting a claim

  • Instant claims encashment via PayNow

  • 24-hour worldwide emergency travel support

See all plan details 

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4. Which outdoor activities are usually excluded?

Some activities will be covered by your travel insurance, but only if it’s within a specific circumstance. Again, this is not being unrealistic. But it does mean you have to be careful that your activities don’t exceed the boundaries set by your travel insurance. These are examples of some activities which aren’t covered by your insurance:

  • Canoeing or white water rafting without a qualified guide or Grade 4 and above (of the International Scale of River Difficulty).

  • Off-piste skiing, or going off trail and skiing outside the officially approved boundaries of a ski resort.

  • Mountaineering beyond the height of 3,000 metres above sea level. (Some insurers raise this limit to 3,500m or even higher—check the policy document for the specific figure.)

  • Underwater activities involving artificial breathing apparatus for diving deeper than 30 metres.

So while some of these activities are covered by certain travel insurance policies, they do have limits to their coverage. Be careful to stay within the stipulated boundaries.

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5. How much do extreme sports riders cost?

Some travel insurance companies require that you upgrade your travel insurance plan to include winter sports rider or outdoor adventurous activities riders. Although it might seem unfair to incur a steep increase in the premium price, do note that most of the time, this increases your coverage for other categories within the same plan as well.

How much do these winter sports and sports riders cost?

Currently, there are 2 travel insurance plans that require you to buy sports riders: Direct Asia travel insurance and Singlife travel insurance. The latter costs $8.38 per week for Adventurous Water Sports rider or $8.13 per week for the Winter Sports rider.

DirectAsia logo
DirectAsia logo

Total Premium

S$26.25

40% OffTotal PremiumS$43.75

ROLEX GRAND DRAW | Free coverage for children

DirectAsia DA200 (now known as DirectAsia Voyager 250)

Med. Coverage (Overseas)

S$200,000

Trip Cancellation

S$10,000

Loss/Damage of Baggage
With Proof of Purchase: Original Price less allowance for wear & tear. Without proof of purchase: Up to S$50 per item

S$3,000

Total Premium
Total PremiumS$43.7540% Off

S$26.25

Read More

More Details

Key Features

  • Kids go free – up to four kids travel for free with a Family policy only (2 adults)

  • Matching kids limits – children enjoy the same coverage limits as adults

  • Optional coverage for Sports Equipment & Extreme Sports are only available for Annual Policies

  • Optional coverage for Single Trip Travel Insurance: Maid and COVID-19.

  • Emergency Dental – Accidental Dental treatment can be costly, so it is covered under the main medical expenses coverage which is higher than a separate dental benefit

See all plan details 

Singlife logo
Singlife logo

Total Premium

S$50.01

25% OffTotal PremiumS$66.68

MoneySmart Exclusive

Free Trip Cancellation

Singlife Travel Plus

Med. Coverage (Overseas)

S$2,000,000

Trip Cancellation

S$15,000

Loss/Damage of Baggage

S$5,000

Total Premium
Total PremiumS$66.6825% Off

S$50.01

MoneySmart Exclusive:

[Receive your cash as fast as 30 days*]
 
• Enjoy 25% off your policy premium
• Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased.
• Additionally, receive up to S$30 via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent. T&Cs apply.
 
PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway. T&Cs apply.

Valid until 15 May 2024

Apply Now

More Details

Key Features

  • Covers trip cancellation and trip curtailment for any reason, T&Cs apply.

  • Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas and in Singapore.

  • Coverage for loss of frequent flyers points, hotel points & credit card points.

  • Payout of S$100** should your trip be affected by excessive rainfall.

  • **For single trips (minimum 3 days) where more than 50% of trip duration is affected by rainfall levels of >6.4mm in a 24-hour period.

  • Seamless claims experience with PayNow

See all plan details 

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6. Do you need sports equipment coverage?

If you’re a hardcore skier or diver, then this section should not be news for you. If you have your own sporting equipment that you intend to bring on the trip, you have to be aware how much your travel insurance is covering you. When your gear can cost a few hundred dollars, you’ll definitely want to invest in a plan that will insure you don’t lose out if your gear is stolen or damaged.

Back to top

 

7. Do you have sufficient emergency medical evacuation coverage?

This is especially important if you’re planning to go scuba diving, hiking or skydiving. Since you’re most likely not going to be near any decent medical facilities should anything happen, you may need to get emergency medical evacuation.

Check to make sure your travel insurance policy covers you sufficiently for such an occasion. Where possible, choose policies that can give you at least $500,000 cover for medical evacuation, even if you end up paying a little more. Here are some that offer $500,000 or more:

Bubblegum logo
Bubblegum logo

Total Premium

S$46.85

10% OffTotal PremiumS$52.05

MoneySmart Exclusive

Most fuss-free plan

Bubblegum Travel Insurance

Med. Coverage (Overseas)

S$150,000

Trip Cancellation

S$5,000

Loss/Damage of Personal Baggage

S$3,000

Total Premium
Total PremiumS$52.0510% Off

S$46.85

MoneySmart Exclusive:

[Receive your cash as fast as 30 days*]
 
• Enjoy 10% off your policy premium
• Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased.
• Additionally, receive up to S$25 via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent. T&Cs apply.
 
PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway. T&Cs apply.

Valid until 15 May 2024

Apply NowApply directly on MoneySmart

More Details

Key Features

  • Bubblegum offers just 1 affordable plan to suit all your travel needs to maximise your savings

  • Overseas medical expenses up to $150,000 SGD (Covid-19 sub-limit of $65,000 included)

  • 24-Hour global Emergency Assistance services including Emergency Medical Evacuation and Repatriation

  • Covid-19 trip related cancellation/curtailment up to $600 SGD included

  • Adventurous activities like scuba diving and hot air ballooning are covered with no limit on depth or height.

See all plan details 

MSIG logo
MSIG logo

Total Premium

S$37.40

45% OffTotal PremiumS$68

MoneySmart Exclusive

ROLEX GRAND DRAW | Most Comprehensive

MSIG TravelEasy Standard

Med. Coverage (Overseas)

S$250,000

Trip Cancellation

S$5,000

Loss/Damage of Baggage

S$3,000

Total Premium
Total PremiumS$6845% Off

S$37.40

MoneySmart Exclusive:

[Win a Rolex, Samsonite Luggage & More! | MoneySmart Exclusive]
 
• Enjoy up to 45% off your policy premium
• Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased.
• Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) and up to S$20 iShopChangi e-voucher with eligible premiums spent. T&Cs apply.
 
BONUS:
For a limited time only, there are over S$11,000 worth of prizes to be given away in our Grand Draw.
Stand a chance to score:
1x Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000)
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Increase your chances of winning when you refer friends today. T&Cs apply
 
PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway. T&Cs apply.

Valid until 15 May 2024

Apply Now

More Details

Key Features

  • COVID-19 coverage of up to $150,000 medical cover and up to $1,500 travel inconvenience benefit for your trip protection.

  • Packaged tour coverage for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

  • Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

  • MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

See all plan details 

AIG logo
AIG logo

Premium

S$83

Premium

MoneySmart Exclusive

Most Flexible Plan

AIG Travel Guard® Direct - Enhanced

Overseas Medical Expenses

S$1,000,000

Travel Cancelation / Postponement

S$10,000

Loss/Damage of Personal Baggage

S$5,000

Premium

S$83

MoneySmart Exclusive:

[Receive your cash as fast as 30 days*]
 
• Get up to 52% worth of cashback and up to S$20 iShopChangi e-voucher with eligible premiums spent.
• Additionally, receive S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply.
 
PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway. T&Cs apply.

Valid until 15 May 2024

Apply Now

More Details

Key Features

  • Voted TripZilla's Best Travel Insurance (Single Trip).

  • Up to S$250,000 in overseas COVID-19 related medical coverage if you are diagnosed with COVID-19 overseas.

  • Overseas quarantine allowance of up to S$100 per day per person for up to 14 days if you test positive for COVID-19 overseas and are unexpectedly placed into mandatory quarantine.

  • Up to S$1,500 if you are diagnosed with COVID-19 and have to postpone your trip.

  • Up to S$7,500 in curtailment costs if you are diagnosed with COVID-19 while travelling and need to return to Singapore earlier than planned.

  • This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites (www.AIG.sg or www.gia.org.sg or www.sdic.org.sg).

  • Purchase your travel insurance with confidence and enjoy unlimited flexibility with AIG's Travel Guard® Direct

See all plan details 

Back to top

 

Do you have any other suggestions for getting the best travel insurance for sports lovers? Share them with us.

The post 6 Things to Know About Travel Insurance for Extreme Sports and Outdoor Adventure Coverage (2024) appeared first on the MoneySmart blog.

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Original article: 6 Things to Know About Travel Insurance for Extreme Sports and Outdoor Adventure Coverage (2024).

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