“When it comes to adventure travel insurance, don’t base your decision purely on price as it could limit the level of cover you receive, and it might have higher excess - it’s best to find the policy that best suits your needs.”
What affects the price of adventure travel insurance?
The cost of your adventure travel insurance depends on:
- Where you’re travelling
- Your age
- What activities you plan on doing
- If you’ve got medical conditions
- What type of cover you need
Where you're travelling. If you’re travelling just in Europe, the chances are your policy will be cheaper than if you’re travelling worldwide.
Your age. The older you are, the more expensive your adventure travel insurance policy usually is.
What activities you plan on doing. If you have plans to bungee jump or go cage diving on your trip, the cost of your policy could go up as you may need to pay extra for adventure travel cover. This is because these are usually seen as higher-risk activities by insurers.
If you’ve got any medical conditions the cost of travel insurance will usually increase if you need to be guaranteed the treatment for a specific condition or illness. It’s important to remember that you may not be allowed to take part in certain activities if you’ve got a pre-existing medical condition.
What type of cover you need will depend on how many times you plan on travelling in a year. If the holiday is a one-off, single-trip travel insurance is usually the cheaper option. If you’re going away several times in a year, then an annual travel insurance policy with adventure activity cover should work out cheaper than if you buy a separate policy for each trip.
Need more help?
Are there any activities not covered by an adventure travel policy?
The activities that are covered will vary depending on the policy you buy. Each insurer will have their own list of exclusions, there’s no one size fits all approach. If in doubt, contact the insurer directly.
Can I add activities to my adventure travel insurance at a later date?
The short answer is no. If you decide that you want to do an extra activity that isn’t covered by your policy while you’re away, then you won’t be covered. It’s best that you stick to the activities that are covered in your policy, rather than risk having to foot the bill.
When should I buy adventure travel insurance?
You should buy your policy as soon as you know where you’re travelling to and what activities you’ll be doing. We recommend including all planned activities when getting a quote, to make sure that your insurer will cover all of them in your policy.
What are the different types of travel insurance?
Backpackers travel insurance
covers you for travel in multiple locations over a 12-month period.
European travel insurance
it will cover you for any holidays that you've got planned in Europe this year.
Long stay travel insurance
is the perfect policy for those who plan to travel for an extended period.
Annual travel insurance
is the perfect option if you plan on traveling more than once a year.
Pre-existing medical travel insurance
policies may cover treatment for specific medical conditions.
Single trip travel insurance
is an affordable way to make sure you're covered on your next holiday.
Ski travel insurance
is a specialist winter sports policy that covers you against slope injuries.
Worldwide travel insurance
will cover you for travel to multiple locations around the world.
Travel insurance articles
Emergency travel documents
If you’re abroad and have lost your passport, you need to get an emergency travel document to get back to the UK. Read on for advice on getting an emergency passport.
Holiday checklist – what should I pack?
What should be included in your holiday checklist? Everything you need to pack for beach holidays all the way to city-breaks.
Travelling to the USA? Then don't forget ESTA
Get your ESTA before heading off to the USA. Here's all you need to know about it.
How to claim on your travel insurance
Making a claim should be relatively straightforward. Even so, there are ways to speed up the process.
Travel to Europe from UK in 2022
Now the Brexit transition period has ended, here's how travelling to Europe will change.
Our service is free and compares a wide range of trusted household names. Confused.com is an intermediary and receives commission from theidol.com if you decide to buy through our website which is based on a percentage of the total annual premium. We pride ourselves on impartiality and independence – therefore we don't promote any one insurance provider over another.