Best Extreme Sports travel insurance, Adventure Sports insurance
Sports enthusiasts traveling overseas participating in any extreme sports activity should have adequate hazardous sports travel insurance coverage. US Domestic health insurance plans or common overseas travel medical insurance plans are not designed to cover hazardous sports activity, for which you must purchase sports travel insurance.
Tourists and athletes who travel abroad, for hazardous athletic activities can meet with accidents resulting in expensive medical care. To avoid paying huge medical bills, one must have adequate hazardous sports travel insurance coverage. Some competitive sports travel insurance offer coverage while taking part in competitions or professional sports.
At American Visitor insurance, athletes from any part of the globe can buy adventure travel insurance plans with coverage for extreme sports. Get free
Which is the best international student health insurance for athletes?
It’s that time again when the school year is starting to kick in for kids and young adults all across the USA! I am getting regular requests for insurance for international students that will include coverage for participation in a team sport. We do have some options for these individuals, so I thought I could lay some of them out here.
One of the best international sports student insurance is the Diplomat America or the Diplomat LongTerm insurance plans offered by Global Underwriters. These plans have a collegiate sports rider in which you choose “Low”, “Middle” and “High” option depending on your sport. The main difference is the LongTerm plan allows you to extend the policy and it also allows up to 90 day trips back to your home country (per year).
The Diplomat America only allows 14 days of travel back to the home country (after which the policy will expire). The sports covered are: (1) Low Option - additional $34 flat monthly rate: Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo (Horse); Polo (Water); Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleyball. (2) Middle Option - additional $48 flat monthly rate: Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing (Slalom, Giant Slalom, Downhill); Ski Jumping; Wrestling. (3) High Option - additional $102 flat monthly rate: Football (No Division One); Gymnastics; Rugby (No Division One); Soccer. This plan will cost about $87 per month for a 21 year old (without the athletic sports rider).
Another high school sports insurance for international students option is the Patriot Exchange insurance offered by IMG. It is much more economical than the Diplomat America plan, however, it does NOT include varsity sports teams regulated by the National Collegiate Athletic Association (NCAA) nor the National Association of Intercollegiate Athletics (NAIA). You only get this coverage if you choose the “Add-on” Rider (NOT the Adventure Sports Rider). This plan can also be used to cover high school sports team participation and can be a good fit for many student athletes. Coverage of $250,000 maximum with a $100 deductible starts at $73 per month for a young adult (without the add-on; +$7 with the add-on).
There are a few other student plans that include coverage for student athletes on club teams and sports teams, but they limit coverage to $5000 or less, such as the Navigator for Student (by GeoBlue), StudentSecure Select plans (by WorldTrips), and Student Health Advantage plans (by IMG).
If you have questions about these plans or other situations for your student, please do not hesitate to call our friendly staff so we can advise you and guide you to the best choice for your student. Happy studying!
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What is the best travel insurance for adventure sports?
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Diplomat travel insurance for adventure extreme sports
Diplomat America insurance for extreme sports
- For Non US citizens taking part in hazardous sport activities or athletic events in USA.
- Acute on set of pre-existing conditions covered up to 70 years.
- US Citizens outside USA are eligible for coverage under this plan.
- Coverage available from minimum of 15 days to a maximum of 12 months.
Diplomat Long term insurance for adventure sports
- For Non US citizens and US Citizens taking part in hazardous sport activities or athletic events outside their home country.
- Covers sudden recurrence of pre-existing conditions.
- US Citizens outside USA are eligible for coverage under this plan.
- Coverage available from minimum of 90 days to a maximum of 12 months, renewable up to 3 years.
Global Underwriters Athletic and Hazardous Activity Coverage:
Diplomat America and Diplomat Long term plans provides coverage if Your Injury or Illness results from the below optional Athletic Sports & Hazardous activities. The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
For the below listed activities apply the 1.25 factor to the base premium: BMX; Bobsledding; Bungee Jumping;Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate ; Motor Scooter; Motorcycling;Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving ; Snow Skiing ; Snowboarding; Snowmobiling; Spelunking/Caving; Surfing ; Trekking ; Wakeboarding; Water skiing; Whitewater Rafting ; Wind Surfing; Zip Lining.
For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:
- Low-Option additional $25.00 flat monthly rate: Aerial Photograph ; BMX; Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning ; Mountain Climbing ; Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing ; Scuba Diving ; Skydiving; Snow Skiing Off-Piste.
- High-Option additional $50.00 flat monthly rate: Big Game Hunting ; Diving with Sharks;Mountain Climbing ; Running with the Bulls;Security Detail.
For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, apply the 1.25 factor to the base premium plus the monthly flat rate listed:
- Low-Option additional $12.00 flat monthly rate: Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo ; Polo ; Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleybal.
- Middle-Option additional $26.00 flat monthly rate: Basketball; Competitive Cycling; Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing ; Ski Jumping; Wrestling.
- High-Option additional $80.00 flat monthly rate: Football; Gymnastics; Rugby; Socce
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Visit USA, Intermedical and WorldMed Travel Insure for extreme sports
Visit USA Healthcare Standard insurance for adventure sports
- For Non US citizens taking part in hazardous sport activities events in USA.
- Coverage available up to $250,000.
- Acute on set of pre-existing conditions are covered.
- Coverage available from 5 days to 364 days.
- Intercollegiate sports activities, recreational activities and hazardous activities are optional add on benefits on the plan.
Visit USA Healthcare Superior insurance for extreme sports
- For Non US citizens taking part in hazardous sport activities events in USA.
- Coverage available up to $200,000.
- Acute on set of pre-existing conditions are covered.
- Coverage available from 5 days to 364 days.
- Intercollegiate sports activities, recreational activities and hazardous activities are optional add on benefits on the plan.
Intermedical Travel insurance for adventure sports
- For US citizens taking part in hazardous sport activities events in traveling outside the USA.
- Acute on set of pre-existing conditions covered up to 70 years.
- Coverage available from 5 days to 364 days.
- Intercollegiate sports activities, recreational activities and hazardous activities are optional add on benefits on the plan.
WorldMed travel insurance for adventure extreme sports
- Available for both US and Non us citizens travelling outside the home country.
- Acute on set of pre-existing conditions covered up to 70 years.
- Coverage available from 5 days to 364 days.
- Intercollegiate sports activities, recreational activities and hazardous activities are optional add on benefits on the plan.
Travel Insurance Services hazardous sport activities:Gives you the option of purchasing additional protection to cover your adventures. Medical expenses related to hazardous activities can be covered for an additional 20% of your total premium. The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The following items will become covered with the purchase of the Hazardous Activities rider:
- American Football
- Big Game Hunting or Safari, Bungee Jumping, Hang-Gliding
- Kite-Surfing
- Mountaineering
- Parachuting, Paragliding, Powerlifting
- Running with the Bulls, Sky Surfing
- Snow Skiing and Snowboarding
- Spelunking, Sub Aqua Pursuits involving underwater breathing apparatus, Surfing
- Waterskiing, Whitewater Rafting.
Provides an additional $50,000 coverage for those participating in intercollegiate or interscholastic sports. This rider is available for just an additional $2.00 per person, per day.
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Atlas America and Atlas International insurance for adventure sports
Atlas America insurance for extreme sports
- Offers sports coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports - at no additional cost.
- Travel medical insurance plan for visitors to the US.
- It is an ideal visitor medical insurance for parents visiting USA and foreign tourists to the United States.
- This plan covers "acute onset of pre-existing condition" up to the age of 80.
- It is a unique plan in offering coverage for complications of pregnancy in the first 26 weeks of gestation.
WorldTrips Sports Coverage:Atlas International insurance for adventure extreme sports
- Offers sports coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports - at no additional cost.
- Available for both US and Non US citizens traveling outside the home country, Excluding USA.
- Satisfies Schengen visa requirements.
- This plan covers "acute onset of pre-existing condition" up to the age of 80.
- It is a unique plan in offering coverage for complications of pregnancy in the first 26 weeks of gestation.
Atlas Travel Insurance plans includes coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports skiing and snowboarding (recreational downhill and/or cross country), snorkeling, water skiing, and others at no additional cost. Certain extreme sports are excluded from coverage.
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iTravelInsured Sport, Patriot America Lite, Patriot America Plus, Patriot International Lite and Patriot Platinum America insurance for adventure sports
iTravelInsured Sport insurance for adventure sports
- Ideal for first-class travelers participating in adventure sports during their vacations.
- Available to US citizens and US residents.
- Travelers can choose trip cost up to $100,000.
- Accident and Sickness medical expense covered up to $250,000.
- Maximum trip length is 90 days.
- Pre-existing condition waiver is available if purchased within 21 days of initial trip payment.
- Sports equipment rental coverage up to $5,000 per person.
Patriot America Lite insurance for extreme sports
- For both US citizens and Non US citizens taking part in adventure sport activities events in USA.
- This is a comprehensive visitor insurance plan for visitors coming to the US and is available for B1 Visa holders for their business trips to the US.
- Short-term travel medical coverage for individuals, groups, and their dependents.
- Coverage available from 5 day to 364 days and renewable up to 2 years.
- Plan is suitable for Green Card holders as long as they reside outside the US.
Patriot America Plus insurance for adventure sports
- For both US citizens and Non US citizens taking part in adventure sport activities events in USA.
- Acute on set of pre-existing conditions covered up to 70 years.
- Plan is suitable for Green Card holders as long as they reside outside the US.
- Coverage available from 5 day to 364 days and renewable up to 2 years.
Patriot International Lite insurance for extreme sports
- For both US citizens and Non US citizens taking part in adventure sport activities events in traveling outside the home country. Excluding USA.
- Acute on set of pre-existing conditions covered up to 70 years.
- Short-term travel medical coverage for individuals, groups, and their dependents.
- Coverage available from 5 day to 364 days and renewable up to 2 years.
- Satisfies Schengen visa requirements.
Patriot Platinum America insurance for adventure sports
- For both US citizens and Non US citizens taking part in adventure sport activities events in USA.
- Offers first class medical coverage up to $8,000,000.
- Acute on set of pre-existing conditions covered up to 70 years.
- Plan is suitable for Green Card holders as long as they reside outside the US.
- Coverage available from 5 day to 364 days and renewable up to 2 years.
Patriot Platinum international insurance for adventure sports
- For both US citizens and Non US citizens taking part in adventure sport activities events in traveling outside the home country. Excluding USA.
- Offers first class medical coverage up to $8,000,000.
- Acute on set of pre-existing conditions covered up to 70 years.
- Coverage available from 5 day to 364 days and renewable up to 2 years.
- Satisfies Schengen visa requirements.
IMG Adventure Sports insurance
Patriot America Plus, Patriot America Lite, Patriot Platinum America , Patriot International Lite and Patriot Platinum International from IMG covers Optional Adventure sports Rider. The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Adventure Activities : This plans covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing. These sports available up to 65 years.
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Safe Travels USA, Safe Travels USA Comprehensive and Safe Travels International insurance for adventure sports
Safe Travels USA insurance for adventure sports
- For Non US citizens taking part in sport activity coverage events in USA.
- Plan is available for greencard holders.
- Unexpected recurrence of pre-existing conditions covered up to 89 years.
- Emergency medical treatment of pregnancy covered up to $1,000.
- Coverage available from 5 days to 364 days.
Safe Travels USA Comprehensive insurance for extreme sports
- For Non US citizens taking part in sport activity coverage events in USA.
- Plan is available for greencard holders.
- Unexpected recurrence of pre-existing conditions covered up to 89 years.
- Emergency medical treatment of pregnancy covered up to $1,000.
- Coverage available from 5 days to 364 days.
Safe Travels International insurance for adventure sports
- For Non US citizens taking part in sport activity coverage events in Outside USA.
- Satisfies Schengen visa requirments.
- Unexpected recurrence of pre-existing conditions covered up to 89 years.
- Emergency medical treatment of pregnancy covered up to $1,000.
- Coverage available from 5 days to 364 days.
Trawick International Sports Activity Coverage:Safe Travels USA, Safe Travels USA Comprehensive and Safe Travels International plans covers Optional sports activity coverage . The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Adventure Activities :Covers up to $50,000 - provides coverage while performing, practicing, or participating listed Sports only. Collision and Extreme Sports are excluded.
If coverage is purchased for Class 1: this benefit provides coverage to the Covered Person while performing, practicing, or participating in archery, tennis, swimming, cross country, track, volleyball, and golf.
If coverage is purchased for Class 2: includes following sports, ballet, baseball, basketball, cheerleading, equestrian, fencing, field hockey, football (except division 1), gymnastics, hockey (no league play), karate, lacrosse, polo, rowing, rugby, soccer, and softball.
Any Sport Activity not expressly covered hereunder is excluded from this Policy unless the activity is noncontact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.
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Travel Medical Basic, Travel Medical Choice travel insurance for extreme sports
Travel Medical Basic insurance for adventure sports
- For Non US citizens taking part in adventure sport activities events in USA.
- Acute on set of pre-existing conditions covered up to 79 years.
- Covers emergency medical evacuation up to $250,000.
- Coverage available from 5 days to 364 days.
Travel Medical Choice insurance for adventure sports
- For Non US citizens taking part in adventure sport activities events in USA.
- Acute on set of pre-existing conditions covered up to 79 years.
- Covers emergency medical evacuation up to $250,000.
- Coverage available from 5 days to 364 days.
Travel Medical Global Basic insurance for extreme sports
- For Non US citizens taking part in adventure sport activities events in Outside USA.
- Acute on set of pre-existing conditions covered up to 79 years
- Covers emergency medical evacuation up to $250,000
- Coverage available from 5 days to 364 days.
Travel Medical Global Choice insurance for adventure sports
- For Non US citizens taking part in adventure sport activities events in Outside USA.
- Satisfies Schengen visa requirments
- Acute on set of pre-existing conditions covered up to 79 years
- Covers emergency medical evacuation up to $250,000
- Coverage available from 5 days to 364 days.
Seven Corners Adventure Sports insuranceTravel Medical Basic, Travel Medical Choice, Travel Medical Global Basic and Travel Medical Global Choice plans covers adventure sports up to policy maximum. The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Adventure Activities : Bungee jumping; caving; hang gliding; hot air ballooning as a passenger; jet skiing; kayaking, excluding white water; motorcycle up to 250cc or motor scooter riding whether as a passenger or a driver; Micromobility Vehicle(s); non-hunting safaris, including boat safaris, bush walking, camping or lodging, game drives, horseback or camel safaris, night safaris, or walking safaris; Parachuting; paragliding; parasailing; scuba diving only to a depth of thirty (30) meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; Sky Diving in tandem with an instructor; snowmobiling; spelunking; surfing, bodyboarding, or wakeboard riding waves up to two (2) feet high as forecasted by the National Weather Service or similar government entity; water skiing; windsurfing; or zip lining.
You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, Micromobility Vehicle, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where You are located in the Destination Country.
Adventure sports travel insurance - FAQ's
1. What does adventure sports travel insurance cover?
Adventure sports travel insurance offers coverage for injuries that happen while taking part in activities that are considered high-risk, such as scuba diving, skydiving, bungee jumping, mountaineering and much more. It's essential to review the policy documents to understand which sports are covered and any exclusions that may apply.
2. Does the sports insurance cover pre-existing sports injuries?
Coverage for pre-existing sports injuries may vary depending on the insurance provider and policy. Some policies may offer limited or no coverage for pre-existing injuries, while others may provide partial or full coverage after a waiting period. Review the policy details to understand coverage for pre-existing sports injuries.
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