Updated on 11 Dec 2025
Trips are all about fun and pushing limits through adventure sports like trekking, diving, skiing, and more. But every adventure comes with some risk, and that is where travel insurance helps you.
Unlike basic travel plans, adventure sports travel insurance protects you from unexpected medical or other expenses during adventure sports. From medical emergencies to equipment damage, this insurance covers all so that you can focus on enjoying and building experiences.
Keep reading to know more about adventure sports travel insurance and how you can buy it online!
What is Adventure Sports Travel Insurance?
Adventure sports travel insurance is an insurance policy add-on that some insurance companies provide. It covers medical costs in case of injuries while participating in activities like scuba diving, parasailing, skiing, bungee jumping, and similar adventure sports during a trip.
Benefits of Buying Adventure Sports Travel Insurance
Adventure sports travel insurance protects you from any risk-taking sports activities. Some of its significant benefits are:
- It covers your medical expenses, like treatments and medicines, if you're injured during any adventure sports.
- It reimburses any prepaid bookings in case you're not able to continue your trip because of injuries.
- In some cases, there is coverage of the loss, theft, or damage of your belongings.
- Having this travel insurance also helps you have peace of mind and enjoy your trip and activities without worrying about any unexpected expenses.
Steps to Buy Adventure Sports Travel Insurance Online
The following are the steps for buying an adventure sports travel insurance policy –
- List the Adventure Sports: List the activities that you plan to do so that you can check if they are covered in the insurance.
- Compare: Shortlist and compare policies to see which match your needs.
- Check Coverage Limits: Review the insurance policy and its coverage. Know how much they are covering for hospital bills, damages, evacuation services, death, etc.
- Exclusions: Identify what is not included in the insurance plans. Be sure to read these carefully before making a purchase or filing health insurance claims to avoid any hassles later.
- Terms and Conditions: Understand the policy and its terms and conditions for a better and smoother claim procedure.
- Quote: Get a quote from the chosen insurance company by entering your trip details, personal details, etc.
- Purchase: When satisfied with all the terms and conditions, inclusions, and exclusions, you can complete the payment at the insurer’s website and purchase your adventure sports travel insurance online. Make sure to keep the policy documentation with you for future reference.
While you plan your next adventure, let us help you choose the right insurance for it. Get customised travel insurance guidance as per your needs by filling out the form provided on this page.
Factors to Consider Before Buying Adventure Sports Travel Insurance
When purchasing insurance online, whether as part of a single-trip travel insurance policy or as an add-on, consider the following key factors:
- Covered Activities and Destination: Make sure that the policy includes the destination you want to travel to and the sports you plan to do.
- Emergency Assistance & Evacuation Coverage: Check if the plan includes 24/7 support and covers evacuations from remote locations, if needed.
- Expense Coverage: Review the coverage limits, medical expenses caps, inclusions, etc.
- Claims Process & Customer Support: Look for an insurance plan that has a clear and simple claims process and a communicative assistance team to guide you if needed.
- Policy Limits: Understand which locations, activities, etc., are not covered. Also, remember to read the conditions of the things covered.
Conclusion
People do adventurous sports on trips to create memories, but it also have certain risks that your basic travel insurance may not cover. Investing in quality adventure sports travel insurance is essential to prepare you for medical emergencies, trip-related injuries, and other unforeseen events. Whether you have single-trip insurance for one holiday or a long-term insurance plan, adding adventure sports travel insurance is important. Make sure to understand the requirements, insurers' offerings, terms, etc., to choose the right insurance plan.
FAQs
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Does travel insurance cover everything?
No, travel insurance doesn’t cover everything. It covers specific risks, such as trip cancellations, lost luggage, and damages, among others.
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What adventure sports are covered in travel insurance?
The adventure sports covered by insurance can vary depending on the insurance company. But some of the common ones are bungee jumping, rock climbing, paragliding, mountaineering, rafting, skiing, parachuting, skiing, mountaineering, skydiving, surfing, etc.
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What is the difference between travel insurance and trip insurance?
Travel insurance is offered by insurance companies, which includes multiple things like medical emergencies abroad, accidental injuries, and trip-related issues like cancellations, delays, etc., whereas trip insurance is for a specific trip, which can be offered by travel agencies or airlines. It covers limited things related to the trip, like cancellations or delays.
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Can I buy travel insurance after booking?
Yes, you can purchase travel insurance at any time between planning your trip and the day before departure.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.