For further information about the Horizon IT Scandal, please visit our 

Getting travel insurance for an adventure holiday

Adventure holidays come in all shapes and sizes. They can be full of action or just include a few activities, depending on the type of getaway you’re going for.

An essential part of your trip planning is finding travel insurance to cover what you’ll be doing. But many holidaymakers aren't sure of the cover they'll be getting, which could leave them at risk on their adventures.

What is an adventure holiday?

Adventure holidays can be anything you want them to be. You might choose to trek through the Borneo rainforest. Or maybe spot some marine iguanas in the Galápagos Islands. Or perhaps you’d quite like to snowshoe in Slovakia’s Tatra mountains.

And the list is endless. You could kayak on Alaska’s mighty rivers, explore active volcanoes in Iceland or hike Na Pali’s Kalalau Trail. And even if you’re not usually much of a daredevil, you might fancy bungee jumping off the Kawarau Bridge in New Zealand.

Of course, adventure doesn’t have to mean pushing your limits. You could choose a mix of lying by the pool then adding a little excitement to your day, like zorbing down a hill with your family or laughing together on a banana boat ride.

Put simply, adventure holidays can be as thrilling or as relaxing as you like.

 

What are the benefits of going on an adventure holiday?

Adventure holidays can be really rewarding. They give you the chance to escape everyday life and gain a real sense of personal achievement and accomplishment. You can step outside your comfort zone, explore new places and experience new cultures.

These trips can also build confidence, improve problem-solving skills and create lifelong memories. They also bring you closer to nature, which could feel like a refreshing change from a typical holiday. 

Research shows that spending time outdoors is mentally and physically good for you. And you're more likely to exert yourself in an outside setting than on a treadmill. Who knows, maybe cycling through the Andes is just the pick-up you need.

 

What to consider when taking an adventure holiday

How adventurous you want to be is down to you. You might want to try something new or stick to an activity that you love. Whatever you decide, it's always a good idea to take precautions when planning your trip and getting travel insurance.

  • Are you up to the task? Choose activities that match your fitness levels. If you have a medical condition, always check that it won’t affect your safety or health
  • Are you using a reputable company? Make sure you’re using a licensed and certified company that meets safety standards. Always follow regulations and avoid risky behaviour. Even if your policy covers an activity, it may only apply if you stick to the rules
  • What do you need to pack? Check if you need any equipment. Do you need any special clothing or footwear? For instance, if you're hiking, you'll need suitable boots for the terrain. Consider packing a first aid kit, sunscreen and insect repellent
  • How do you protect yourself? Safety comes first so always act responsibly. Before you go, get travel insurance that covers the activities that you plan to do. Make sure it offers the right level of cover, including emergency medical treatment and compensation for any losses. Once you arrive, save the local emergency number in your phone and find out where you can get medical help if needed

 

Adventure travel insurance

What travel insurance does and doesn’t cover

If you’re going on a holiday with activities, it’s important to know what your travel insurance does and doesn’t include. Many people think they’re covered for more than they actually are.

Some activities are usually included, even zorbing, scuba diving and helicopter rides. You don’t always need to pay extra for these. But every policy is different, so it’s important to check.

For other activities, like skiing and snowboarding or some other sports, you might need to pay more to be covered. This depends on who your insurance is with.

Some activities aren’t covered at all, like quad biking, rock climbing or hang gliding. These are often seen as too risky, especially without a guide or if they’re not allowed in that country.

Don’t guess what’s included. Read the policy carefully so you know what you’re covered for before you travel.

Choosing adventure travel insurance

Here’s what you need to consider when choosing travel insurance for your adventure holiday:

  • Check what’s covered. Are the activities you’ll be doing included? Will you be covered if you have a pre-existing medical condition? Does it cover emergency costs and getting you home if needed?
  • Review the policy limits. Check how much the policy pays for medical costs, emergency evacuation and lost belongings. If you have an annual policy, make sure it covers your whole trip 
  • Look for emergency help. You might need medical help during an adventure holiday. Check if there’s a helpline for emergencies. Some policies also cover non-urgent medical care
  • Check for cancellation and curtailment cover. Adventure holidays come with a higher risk of illness, injury or natural disasters. Make sure you’re covered if your trip is cancelled, interrupted or cut short. You might also need extra cover for trip disruption
  • Read reviews. See what other travellers say about different insurers, their policies and how they handle claims

Compare quotes from different insurers. Check their cover, policy limits, premiums and benefits to make sure you’re getting the right protection for your trip.

 

Key takeaways

  • Plan your activities around your ability and health
  • Choose a reputable company that meets safety standards
  • Pack all the essentials you’ll need to make your trip a success
  • Find travel insurance that fully covers your experiences

And have a great time on your adventures.

Make sure you’re protected on your adventures

Common adventure holiday questions

  • Finding the best adventure holiday starts with thinking about what activities you like, what you feel comfortable doing, and where you want to go. There's lots of accessible advice, whether you talk to a specialist travel agent, consult expert sites or research different options yourself. Reading other people's reviews can help you feel confident with your decision.

  • Quite often, depending on your preferred activities, the best adventure holidays are a little further from home. You might consider destinations such as Costa Rica, Nepal, Peru or South Africa. But you can also find places closer to home, including activities like cycling in Italy.

  • Show more
  • That depends on the activities you want to do. Some are suitable for beginners, only require an average fitness level and potentially offer on-site training if it’s something you’ve never tried before. But some are more extreme. You’ll most likely need a high level of fitness and some form of certification to go mountaineering, for instance. Be realistic about your fitness and research the holiday to see if you need additional experience. You don’t want to choose a holiday that’s out of your comfort zone and, therefore, potentially unsafe.

  • There are some risks attached to doing thrilling activities. It means safety should be a top priority. Here are some essential things to remember:

    • the activity should be within your abilities
    • check if you’ll be at extra risk if you have a medical condition
    • only use a reputable company that meets safety standards
    • follow safety guidelines and act responsibly
    • don’t forget the items and equipment essential to enjoying your holiday
    • get the right cover from your travel insurance
  • There’s no limit. But if you’re doing something new or that will push your limits, you might want to choose a shorter holiday so you don’t overstretch yourself. Or you could start your holiday with an adventure and end it with some time to relax. The most important thing is to choose a stress-free holiday that is within your capabilities.

  • Anyone can go on an adventure holiday, including those who want to travel alone. Some travel companies offer group tour holidays, ideal for solo travellers, where you can meet like-minded individuals. It’s a great way to share experiences and connect with new people.

  • They are. You can take a family-friendly adventure holiday that covers the best activities for both children and adults. And many companies offer different types of experiences for various age ranges and fitness levels. Book your holiday with everyone’s abilities and comfort levels in mind.

  • That depends on where you go, what activities you do, and what accommodation you select. You can choose from something at the more luxurious end of the scale or a more reasonable holiday. Doing some research can help you find something within your budget.

  • Where you're going and what you're doing will affect what you pack. Take clothing and footwear suitable for the weather and activities you'll be doing. For instance, if you're going hiking, take comfortable boots. And think about what additional items you might need to take. Will you need sunscreen or insect repellent? Would a first aid kit come in handy? And you might want to bring items such as a water bottle and a camera. And most importantly, don't forget to pack any medication you're taking.

    Read our guide to pre-travel prep and packing lists.

About cover for adventure travel

  • Travel insurance is highly recommended because adventure holidays tend to involve more risk. It can cover medical emergencies, trip cancellation, lost or stolen equipment and other unforeseen circumstances. As your holiday will probably include physical activity, you can be covered if you're injured before you go away and during your holiday.

  • Most providers will tell you what is and isn’t covered by standard travel insurance and what limitations apply. If your activity isn’t included, you’ll need to consider having an upgrade or an add-on to cover you. If you’ve chosen a high-risk or extreme activity, you might need a specialised adventure travel policy or sports and activities add-on for an additional premium. Review the policy or contact the insurance company to be sure you’re covered.

  • Show more
  • You'll want a policy that offers complete cover for your holiday, including medical expenses, emergency medical evacuation, trip cancellation or interruption and cover for lost or stolen equipment. Check the cover limits are high enough and consider if you need any additional optional cover. Carefully read and understand the policy's terms and conditions so you know what cover you're getting.

  • Adventure travel insurance policies may have exclusions or limitations. Common exclusions can include:

    • pre-existing medical conditions
    • certain extreme activities
    • participating in activities without proper safety equipment or certified guides

    Read the policy carefully. If anything isn’t clear, check it with the insurance provider so you understand any limitations.

  • You'll need to carefully review your policy to find out what it does and doesn't cover and if the cover limits are high enough. Review the limitations and exclusions on your policy because standard travel insurance might not cover you. You might need to pay an additional premium to buy an add-on that covers it, or to buy a specialist adventure travel policy if participating in a high-risk activity.

  • The cost depends on the duration of your trip, where you'll be going and what you’ll be doing, your age, any pre-existing medical conditions, and the cover limits you choose. Premiums for adventure holiday policies can be higher than regular travel insurance, influenced by the increased risk attached to the activity you’re participating in. Consider getting several quotes from different providers to compare the costs.

  • Whether you're looking at standard or adventure travel insurance policies, if you have medical conditions make sure you find an insurance company that can cover them. You must disclose any pre-existing medical conditions. And you may need to pay an additional premium to make sure you're fully covered. If you're unsure or anything or need something clarifying, contact the insurance provider.

  • You can buy travel insurance any time after booking your trip, often up to just a few hours before you go. It's a good idea to get cover as soon as you book your trip. Then it offers you protection for unforeseen circumstances that could happen before your departure, which might prevent you going.

  • Each travel insurance provider will give you guidance on how to make a claim. You would usually be expected to tell the insurance company about the incident or loss as soon as possible. They’ll most likely require you to submit supporting documentation, which could include medical or police reports. These should be submitted along with your claim forms. If you’re unclear what steps to take, contact your insurance provider.