Best Travel Insurance for Extreme Sports

Many insurance companies offer travel insurance policies that cover most requirements of an average traveller. However, what would you do if you are not an average traveller? What if you are into adventure sports and plan to get into some exciting action at your destination? This is where policies that cover extreme and adventure sports become relevant.

Insurance policies that cover adventure sports are not few. But the problem is that unless you read the fine print, you will not be able to know the extent to which you are protected. Here are some of the best travel insurance policies for adventure and extreme sports along with relevant features.

DBS TravellerShield Plus

(Underwritten by Chubb Insurance Singapore)

The Platinum and Premium plans for DBS TravellerShield Plus provide coverage for activities that could be considered leisure adventure. These include:

  • Bungee jumping
  • Paragliding
  • Skydiving
  • Hot-air ballooning
  • Sightseeing rides on helicopter
  • Snowboarding or skiing in approved areas of a ski resort
  • Canoeing
  • White water rafting (applicable only below grade 4 in international scale of river difficulty and done with a certified guide.)
  • Underwater activities at up to 30 metres depth with a qualified guide

Citi Travel Insurance

(Underwritten by AXA Insurance)

The AXA Smart Voyage underwritten by Citi does not provide coverage for extreme sports but does guarantee protection when engaging in certain leisure adventure activities. These are:

  • Winter sporting activities that are non-competitive
  • Triathlon, biathlon, and marathon up to a distance of 42 km
  • The following activities if supervised by a certified guide or instructor that the tour operator provides.
    • Skydiving
    • Parachuting
    • Bungee jumping
    • Trekking and hiking at heights between 3,500 metres and 6,000 metres above sea level
    • Harnessed rock climbing
    • Harnessed abseiling
    • Canoeing or rafting down rapids at sites that have been certified grade 4 or below
  • Scuba diving to a level of 40 metres depth if:
    • You have a PADI certification or anything equivalent
    • You are engaging in an activity with a partner who has a PADI certification or an equivalent
    • You are doing it under the guidance of a certified instructor

Direct Asia Travel Insurance

A travel insurance policy from Direct Asia will usually cover you for regular sports activities like soccer and swimming. Certain extreme sports are covered under the annual plan. These include:

  • Taking part in the following activities with a certified guide:
    • Mountain biking, hiking, and trekking in dangerous areas
    • Off-piste skiing
    • Kayaking, canoeing, and rafting in white water rapids
    • Scuba diving
    • Bungee jumping, skydiving, parachuting, parascending, and similar activities
    • Potholing, rock climbing, caving, mountaineering, and other activities that involve the use of ropes
    • Hot-air ballooning
    • Hang gliding

American Express My VoyageGuard Travel Insurance

(Underwritten by Chubb Insurance Singapore)

This travel insurance from Amex does not provide coverage for activities that can be considered extreme sports, but does provide certain winter sports-related benefits in its Standard and Superior versions. These include:

  • Ski Equipment
  • Piste Closure
  • Ski school costs, hired ski equipment that is not used and lift passes
  • Ski lift pass or ski pass replacement
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