✈ Activity travel insurance

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Coronavirus (Covid-19) - important information 2nd March 2021

You'll be unable to get a quote for single trip or backpacker policies to international destinations for trips that start before 17th May 2021 on this website. If you're travelling in the UK, you'll be unable to get a quote for single trip or backpacker policies for trips that start before 12th April 2021.

You can only travel if you're legally permitted to do so. The Foreign, Commonwealth and Development Office (FCDO) has more information.

If you travel against FCDO advice, you won't be covered by any travel insurance policy you buy. If this advice remains in place after 12th April for the UK and 17th May for international destinations, and you choose to travel, you won't be covered.

Different rules may apply in England, Scotland, Wales and Northern Ireland and it is important that you follow all the rules that apply to you.

For travel advice on your destination, you should check the FCDO for the latest information.

If you have any queries, you should check your policy wording or contact your chosen provider before you buy.

We compare up to 52 trusted travel brands to find you the best deals.

Do I need activity travel insurance?

If you're a thrill-seeker and planning an action-filled sports trip, your travel insurance policy could protect you against unexpected events and help you afford medical treatment should you have an accident or become ill.

You’re more likely to injure yourself if you’re taking part in an extreme sport, so having insurance is important if you don’t want to be stung with high medical costs. According to the GOV.UK website if you have a fall in Spain and break your hip, hospital treatment and flights back to the UK could cost you £15,000. 

Make sure you check your policy documents for sports and activities that could be covered before getting your travel insurance policy (these are usually listed in the terms and conditions). The activities covered can vary between insurers, but can include:

  • Paragliding
  • Safari trips
  • Cycling
  • Golf (although golf equipment cover is usually excluded).

Depending on the activity, some policies offer personal accident and liability cover as standard (these could be limited if you're taking part in more dangerous activities). Your policy might ask you to contact your insurer to check if you're covered for your planned activities; be sure to do this in advance.

Activities that are considered to be 'hazardous' might require additional cover with a higher excess and premium. This could include things like elephant riding, cage diving, bungee jumping or even hot air balloon rides. If you’re in any doubt whether your planned activity will be covered, speak to the insurer.

What else could travel insurance for activity holidays cover?

  • Medical treatment, hospital transportation and repatriation back home if you fall ill or injure yourself
  • Your holiday and flights could also be covered if you cancel or cut your trip in an emergency
  • Valuables, documents, money and baggage cover could also be provided if your items are lost or stolen.

Travel tips

  • Declare any pre-existing medical conditions that you or any of your travel party might have, especially if the activity you're planning might aggravate your condition
  • Insurers could restrict what activities and sports they allow, so make sure you check any policy exclusions for the activities you're planning and contact your insurer to double check that you're covered
  • 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 suits your needs.
Going on a golfing holiday? A standard travel insurance policy could cover golf as an activity, so any injuries arising from playing golf could be covered by your travel insurance. However, we don't currently offer additional golf cover for your golfing equipment, so it might be worth contacting your travel insurer to get this level of cover added to your policy.

Why compare travel insurance with Confused.com?

If you are the adventurous type that likes to get wet while white water rafting or feel the rush of the air on their face while bungee jumping, then travel insurance could come in handy should anything unfortunate happen.

If you have a serious, pre-existing medical condition

If you have a pre-existing medical condition, you can still get a quote through Confused.com. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.

Some insurers might not cover you if you already have a serious medical condition, or if you have a number of conditions. Others might only offer insurance at a much higher price. If you're unable to find suitable cover, the Money and Pension Service (MaPS) has also set up a directory of insurers willing to cover customers with pre-existing medical conditions.

You can contact the Money and Pensions Service (MaPS) or you can telephone 0800 138 7777.

Confused.com’s Travel Insurance solution is provided by theIdol.com. theidol.com is a trading style of Investment Discounts On-Line Ltd and is authorised and regulated by the Financial Conduct Authority. Registered office; Investment Discounts On-Line Ltd, One Coleman Street, London, EC2R 5AA. Registered in England no: 04231834. theidol.com is part of the Legal & General group.

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.