✈ Activity travel insurance

Compare travel policies for the more active holidaymaker

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What is activity travel insurance?

If you're a thrill-seeker and going off on 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.
  • 82% of travellers aged 18-24 admit to taking part in more adventurous behaviour on holiday, yet 50% of all British holidaymakers don't check that they're covered for risky pursuits (FCO statistics, 2012)
  • Medical treatment and repatriation costs after an accident could run into thousands of pounds if you injure yourself

Sports and activities

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). Here are some of the activities that could be covered, although these could vary between insurers:
  • Paragliding
  • Safari trips
  • Cycling 
  • Golf (excludes golf equipment cover)
A standard policy won't cover activities like skiing or snowboarding, so you may want to consider taking out additional winter sports cover just in case. Many backpackers policies include cover for a greater number of adventurous activities, plus you could be covered for trips of a longer duration.

Some policies offer personal accident and liability cover as standard for some activities (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 the activities you're planning to part take in; be sure to do this in advance. Activities that are considered to be 'hazardous' might require additional cover with a higher excess and premium.

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.

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