Best Travel Insurance Plans for Extreme Adventure Sports

Attention adventure seekers: Are you buying the right travel insurance plan for adventure activities?

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For thrill-seeking adventure travellers who live for pulse-racing moments, "comfort zone" is probably is likely considered taboo. You’re always on the lookout for new experiences to get the adrenaline going.

Such experiences may or may not come in the form of travel, but when it does, it’s imperative that you don’t take risks here. Whether you plan on skydiving, skiing, or mountain biking, safety and peace of mind should not be compromised. To fully embrace these adventures, it's crucial to ensure your peace of mind with the best travel insurance that offers comprehensive coverage. Make sure that you’re not just insured – you're well insured.

Standing in as your temporary health insurance for your vacation, travel insurance is extremely important so purchasing the right travel insurance for your travel needs is essential.

If you're looking for travel insurance for extreme sports activities in Singapore, we've got you covered. These plans offer the best coverage for adventure sports, ensuring that you can focus on your next thrill, secure in the knowledge that you're well-protected against the unforeseen.

Explore our travel insurance plans now to get your adrenaline pumping yet have peace of mind at the same time.

Why You Need A Specialised Extreme Sports Travel Insurance

Extreme sports increase the risks during travel, often requiring more than standard insurance coverage. Specialised extreme sports travel insurance is designed to cover the unique risks associated with high-adrenaline activities like rock climbing or bungee jumping. It includes critical benefits like emergency evacuation, higher medical limits, and gear coverage. This tailored protection ensures you can enjoy thrilling adventures without worry, knowing you're comprehensively covered against unexpected events. Secure your safety net today and focus on the thrill, not the risks.

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Table of contents:

• Best Adventure Sports Travel Insurance Plans
• Best Diving, Hiking, Winter Sports Travel Insurance
• What Is Included in Extreme Sports Travel Insurance Coverage?
• How to choose the right travel insurance
  • Tip #1: Buy Your Travel Insurance In Advance
  • Tip #2: Make Sure You Get The Coverage You Need
  • Tip #3: Take Note of Special Clauses and Exclusions
• Common Exclusions and Limitations for Extreme Sports Travel Insurance Plans
• Can I Use My Personal Accident Plan to Claim for Accidents Related to Extreme Adventure Sports?
• Travel insurance promotions

Best Adventure Sports Travel Insurance Plans

The good news is that adventurous activities coverage is readily found these days, leaving you with plenty of choices. Here are the best adventure sports travel insurance plans for your activities:

Product	Adventure cover	Other product highlights	Apply
FWD First - Asean (Annual) Apply Now	Covers sports like skiing, snowboarding, scuba diving and adventure sports like bungee jumping, paragliding, hot air ballooning Up to S$4,000 sports equipment protector as an optional add-on	Up to S$500,000 for accidental death and permanent disability Up to S$1,000,000 in overseas medical expenses Up to S$750,000 personal liability	Apply Now
MSIG Premier Plan Apply Now	Covers sports like bungee jumping, tandem skydiving, tandem paragliding, hot air ballooning, jet-skiing, whitewater rafting, diving, tobogganing, dog sledging, ice skating, etc   Up to S$1,500 for damaged, lost or stolen golfing equipment	Up to S$500,000 for accidental death and permanent disability   Up to S$1,000,000 in overseas medical expenses   Up to S$1,000,000 personal liability	Apply Now
Tiq Travel Luxury - Asia Apply Now	Covers sports like skiing, snowboarding, scuba diving and adventure sports like bungee jumping, paragliding, hot air ballooning Up to S$4,000 sports equipment protector as an optional add-on	Up to S$500,000 for accidental death and permanent disability   Up to S$1,000,000 in overseas medical expenses   Up to S$750,000 personal liability	Apply Now
Singlife Travel Prestige Apply Now	Covers winter sports like skiing, snowboarding, and sledging, as well as water sports like diving, whitewater rafting, jet-skiing, kayaking, etc as an optional cover   Up to S$2,000 for golfing equipment, up to S$3,000 for winter sports equipment and up to S$3,000 for water sports equipment   No cover for extreme sports like bungee jumping, parachuting, etc	Up to S$500,000 for accidental death and permanent disability Unlimited overseas medical expenses Up to S$2,000,000 personal liability	Apply Now

Best Diving, Hiking, Winter Sports Travel Insurance

What Is Included in Extreme Sports Travel Insurance Coverage?

For enthusiasts of recreational sports, engaging in activities led by licensed professionals not only enhances the thrill and safety of the adventure but is also a prerequisite for securing comprehensive travel insurance coverage. Here's an overview of sports typically conducted under professional guidance and the specific limitations tied to insurance coverage:

Recreational Sports Guided by Licensed Professionals:

• Bungee Jumping
• Skydiving
• Jet Skiing
• Tobogganing
• Hot Air Ballooning
• Snowboarding
• Rock Climbing
• Paragliding
• Hiking
• Golf

Coverage Inclusions with Limitations:

Understanding the specific inclusions and limitations of your adventure sports insurance is crucial before embarking on your next thrill. Here’s a concise overview of what’s typically covered, with key restrictions to keep in mind:

• Trekking: Covered for elevations up to 3,500m – 4,000m, ensuring safety at high altitudes.
• Scuba Diving: Dive travel insurance extends to dives up to 30m deep when accompanied. Solo dives or those beyond 30m require additional coverage or are excluded due to increased risk.
• Skiing: Coverage is valid for skiing within the designated boundaries of ski resorts. Off-piste or backcountry skiing falls outside standard insurance due to the heightened risk.
• Canoeing/White Water Rafting: Insured up to Class 3 rapids, ensuring participants enjoy controlled, safe rapids under professional supervision.

How to choose the right travel insurance

Tip #1: Buy Your Travel Insurance In Advance

Ideally, the best time to purchase travel insurance is 30 to 60 days before your trip. This is because some insurers may not insure you if you purchase any policy too close to the start of your trip.

Also, this means you’ll have the luxury of time to compare and find a policy that’s best suited for you. If you have a specific budget or coverage in mind, use a free comparison tool to compare rates between the top insurers. In fact, you can start comparing the best travel insurance plans now on SingSaver.

Tip #2: Make Sure You Get The Coverage You Need

While the next natural thing to do is to compare policy premiums, it’s important to check what the travel insurance plan covers first. Ask yourself: What coverage do I need?

And remember: Coverage first, price second.

As a thrill seeker, you’re most likely to go for “independent international trips”. Your itinerary is likely to include extreme sports or riskier adventure activities, such as skydiving or parachuting.

What you should consider is a plan that offers higher medical coverage. The truth is, you have a higher chance of getting injured than someone on a spa vacation. It’s best to be prepared. If you’re on an impromptu trip and are flying on a budget, you might also want to go for a policy with high coverage for flight cancellation, and loss/damage of baggage. 

The main highlights of these plans include:

• Trip cancellation (before departure)
• Overseas medical and accidental treatment expenses
• Post-trip medical expense
• Loss and/or damage of bags and belongings (including laptops and mobile phones)
• Terrorism threat cover
• Coverage for leisure activities

If you need extra or special protection – like sports equipment protector or pet care – you may want to consider getting add-ons. Always check the policy wording to ensure you have adequate coverage for items that are important to you. 

Also, consider your travel frequency. Frequent travellers might find annual insurance more economical and convenient, providing coverage for multiple trips within a year, while single-trip insurance suits occasional travel. Compare the benefits and costs of annual vs single trip travel insurance to find a plan that works best for you.

Tip #3: Take Note of Special Clauses and Exclusions

Last but not least, there are certain things to be mindful of when buying travel insurance for your next holiday, and after purchasing the policy you need. Do take note that certain extreme sports, unless otherwise mentioned, may not be included in your coverage.

Some of these include, but are not limited to:

• Any professional competitions or sports which are sponsored or can receive any kind of financial remuneration
• Hiking or trekking above a certain height from sea level
• Mountaineering or rock climbing that involves ropes and climbing equipment, especially non-man-made walls or if done unharnessed

However, be sure to check out the insurer's policy document to determine whether or not the activity you're participating in is covered as insurers all have different exclusions.

In addition, when participating in recreational and sports activities, ensure that they are managed by a licensed commercial operator and that you follow the rules and safety procedures (including wearing appropriate safety equipment).

This could determine whether or not you’d be eligible for coverage and claims.

Read more: 10 Tips To Buying The Right Travel Insurance in Singapore

Common Exclusions and Limitations for Extreme Sports Travel Insurance Plans

Many insurers offer coverage for a wide range of adventure sports and activities. There are also some of them that cover extreme sports like bungee jumping, skydiving, hot air ballooning, jet skiing, whitewater rafting, diving, etc.

Notably, activities involving any form of professional competition or sports where there is sponsorship or receipt of monetary rewards are generally excluded. This encompasses high-speed drag racing and expeditions to remote or previously undiscovered locations that present unique risks and challenges.

However, the type of coverage and range of sports covered are different for each insurer, so be sure to check their policy document for more details and exclusions.

If you're still unsure, you can always contact your insurer to find out the exact coverage they provide before you purchase an extreme sports travel insurance plan from them.

Can I Use My Personal Accident Plan to Claim for Accidents Related to Extreme Adventure Sports?

It's crucial to recognise that personal accident insurance, travel insurance, and extreme sports insurance each serve distinct purposes, covering different aspects of risk and protection. Personal accident insurance is your go-to for accidents occurring at home, possibly excluding sports-related injuries. It also doesn't extend to travel-related emergencies, such as luggage loss, passport issues, or repatriation costs, areas where travel insurance takes the lead. 

Additionally, travel insurance covers natural disasters, including earthquakes, hurricanes, floods, and volcanic eruptions, safeguarding travellers from unexpected disruptions to their plans.

Moreover, for those daring to dive, jump, or climb, relying solely on a standard personal accident plan won't suffice. Extreme sports require a policy that explicitly covers such activities, safeguarding against personal accidents amid the thrill. Not every travel insurance policy is equipped to handle the unique risks of extreme sports like skydiving, bungee jumping, or rock climbing. Opting for a plan that specifically includes adventure sports travel insurance is essential, ensuring that your daring pursuits are backed by adequate protection.

Choosing the right insurance is not just about looking for cheap travel insurance – it’s about aligning with your activities and needs. Whether it's for everyday accidents, travel mishaps, or extreme sports thrills, ensuring you have the appropriate coverage is key to enjoying peace of mind while pursuing your passions.

Travel insurance promotions

Protected up to specified limits by SDIC.

Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future healthcare needs.

If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

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