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Coverage of Adventure Sports in Travel Insurance
Nov 8, 2023

Adventure Sports in your Travel Insurance Plan: Is It Covered?

Every traveler has a list of things to experience across the globe. Regardless of the type of traveler you are, traveling to any destination is rejuvenating. Every person has a different mindset about traveling. Some travel to explore a new place, some for natural bliss, and some to experience some nerve-wrenching adventure. Are you also an adventure seeker who loves to experience adventure activities? It indeed excites us but what if something goes unplanned? What if you get lost or get injured while doing an activity? Uncertainties have at times serious implications. A travel insurance policy plays an important role and keeps you financially worry-free. Travel insurance is a type of insurance that covers you for unexpected events that may occur while you're traveling. This can include things like medical expenses, trip cancellation, and lost or stolen baggage. If you’re planning on participating in adventure sports, it’s important to make sure you have medical insurance for travel and that it covers the activities that you have planned. Not all plans do, so it's important to read the fine print carefully.

Are Adventure Sports Activities Covered Under a Travel Insurance Plan?

There are travel insurance plans that offer a cover for adventure sports activities. Being sufficiently covered will help you to pay for the expenses in case of an injury during the trip. Adventure sports also referred to as agro sports, action sports or extreme sports is an opulent term for specific activities that involve high levels of danger. These activities involve height, speed, specialized gear, and a high level of physical exertion. Our Global Personal Guard policy offers optional cover against death or permanent total disability due to an accidental bodily injury. It is also applicable in case a person is involved in any non-professional adventure sports under supervision. With the growing popularity of adventure sports in our country, some of the insurance companies have come up with plans offering a cover for the same. The terms and conditions may vary from insurer to insurer.

Coverage of Travel Insurance Plan

Most travel insurance plans in India offer some level of coverage for adventure sports. It is advisable to do a comparison of travel insurance plans before you buy. In general, travel insurance plans will cover the following expenses related to adventure sports:

Medical expenses

If you're injured while participating in an adventure sport, your travel insurance plan will cover the cost of your medical treatment. This includes doctor's visits, hospital stays, and prescription medications.

Trip Interruption

Trip Interruption coverage compensates if you are participating in adventure sport during your trip and because of injury you are forced to cut short your travel plan. It provides compensation for travel charges including early flight for difference in air fare, En-route emergency accommodation, cost of non-refundable hotel charges, tour charges, etc.

Lost or stolen baggage

If your baggage is lost or stolen while you're participating in an adventure sport, your plan will serve as a baggage insurance policy and may cover the cost of replacing your belongings.

Pre-existing Conditions Coverage

Some travel insurance plans offer coverage for pre-existing conditions as an optional coverage, which can be helpful if you have a chronic health condition.

Adventure Activities Covered by Travel Insurance

Before buying a plan, you should know what travel insurance covers. Here are some of the most popular adventure sports that travellers often indulge in. If you plan to engage in one of these, check with your insurance provider if they are covered:


Rafting is a sport that offers the thrill of sailing in river rapids. There are many destinations internationally that allow you to engage in rafting.


This is a great way to explore the mountain ranges in popular destinations across the world. There are many different trekking trails, ranging from easy to challenging.

Scuba diving

You can explore the underwater sights in coastal areas in any country you visit. There are many different scuba diving options you can find depending on the country you visit.

Mountain biking

For those that want to carry their love for biking on their travels, mountain biking is a great option. There are many destinations around the world that have mountain biking trails.


For those that enjoy the towering waves of the sea, surfing is a great way to have some fun. There are many different surfing spots in destinations like Italy and many more.


If you prefer mountains over beaches or markets, paragliding is a great way to get a bird's eye view of the landscape. There are many different destinations across the world that offer unique paragliding opportunities.


This is a great way to experience the thrill of freefall. There are many different countries such as Spain that offer you the experience of skydiving. If you are inexperienced, you can find local companies that offer tandem jumps for beginners.

Do All Travel Insurances Cover Adventure Activities?

Travel insurance policies typically vary in coverage, and while many provide a base level of protection, not all automatically cover adventure activities. Adventure sports, characterised by heightened risks, may not be included in standard plans. However, some insurers offer optional add-ons specifically tailored for adventure enthusiasts. These add-ons on sports travel insurance often provide coverage for injuries sustained during activities like mountain climbing, scuba diving, or bungee jumping. It's crucial for travellers engaging in such activities to carefully review their insurance policies to ensure adequate coverage. Being financially protected ensures peace of mind, allowing travellers to fully immerse themselves in thrilling experiences without worrying about potential accidents.

What Kind of Injuries are Most Common in Adventure Sports?

Adventure sports offer thrilling experiences but also come with certain risks that can lead to various types of injuries. Let's look into the most common ones:
  1. Sprains and Strains: Activities like trekking, rock climbing, and skiing often involve uneven terrain or sudden movements, increasing the risk of sprained ankles or strained muscles.
  2. Impact Injuries: In sports like bouldering, speed climbing, and skydiving, where participants engage in high-intensity movements or jumps, acute injuries such as ligament tears or muscle strains can occur due to impact on the ground or equipment.
  3. Fractures and Bone Injuries: Skiing and snowboarding in mountainous regions pose risks of collisions with obstacles or falls on hard surfaces, leading to fractures, particularly in the joints and limbs.
  4. Soft Tissue Injuries: Adventure sports enthusiasts, especially those involved in activities like ice climbing or canyoning, may experience injuries to soft tissues such as tendons and ligaments due to repetitive stress or sudden movements.
  5. Environmental Hazards: Avalanches, inclement weather, or getting lost in the wilderness can result in serious injuries or even fatalities, making emergency treatment and evacuation cover essential for mountain enthusiasts.

Specific Coverage related to Adventure sports

In addition to the general coverage mentioned above, some travel insurance plans also offer specific coverage for adventure sports. This may include things like:

Death Coverage

The coverage provides up to Rs. 1 lakh in coverage for death caused by accidental bodily injury while participating in non-professional adventure sports under supervision. This benefit ensures that in the unfortunate event of a fatal accident, your loved ones receive financial support to help them through a difficult time.

Medical Expenses

The policy covers up to Rs. 1 lakh for medical expenses incurred due to Permanent Total Disability (PTD) resulting from accidental bodily injury during supervised non-professional adventure sports. This coverage helps alleviate the financial burden of medical treatments and rehabilitation, allowing you to focus on your recovery.

PTD Coverage

The PTD coverage under this coverage is extensive. It includes scenarios such as the loss of sight in both eyes, the physical separation or loss of use of both hands or both feet, the physical separation or loss of use of one hand and one foot, and the loss of sight in one eye along with the physical separation or loss of use of either one hand or one foot. This ensures that if you suffer severe and life-altering injuries, you receive the necessary financial support to manage the significant life changes and challenges that follow.

What is Not Covered Under Adventure Sports Activities?

When considering extreme sports travel insurance activities, it's important to note certain exclusions to ensure comprehensive protection:
  1. Extended Duration Exclusion: Adventure travel insurance covers activities for specific durations, but excludes coverage for activities lasting for an extended duration. This limitation means that individuals engaging in longer adventures may need to seek alternative coverage options.
  2. Non-Adherence to Guidelines: Coverage does not extend to injuries or incidents resulting from the failure to follow guidelines or instructions provided by the organisers of the adventure activity.
  3. Unsupervised Professional Participation: Individuals participating in adventure activities in a professional capacity and without the supervision of trained professionals are not covered.

Is There Any Travel Insurance for Adventure Sports?

Yes, Bajaj Allianz offers a specialised pocket insurance plan called the Adventure Cover, catering specifically to adventure sports enthusiasts. This plan provides broad financial coverage, including death coverage and compensation for permanent total disability resulting from adventure activities. With a sum insured of up to Rs. 1 Lakh and a premium price of just Rs. 620, adventurers can enjoy their thrilling pursuits with the assurance of financial protection. The Adventure Cover encompasses a range of adventure sports such as water sports, mountain sports, racing, and more, making it an ideal choice for those seeking adrenaline-pumping experiences. Additionally, the plan includes coverage for accidental hospitalisation for one year, ensuring comprehensive protection throughout the adventure journey.

Why should we have Travel insurance with Adventure Sports coverage?

Affordable travel insurance with adventure sports coverage provides a safety net for thrill-seekers venturing into high-risk activities. While traditional travel insurance may exclude such pursuits, specialised coverage ensures financial protection against unforeseen accidents or injuries during adventure sports. This tailored policy acknowledges the inherent risks involved, offering peace of mind for adventurers pursuing adrenaline-pumping activities like skydiving, bungee jumping, or mountain climbing. By purchasing this coverage, travellers safeguard their financial well-being against medical expenses, emergency evacuations, or trip cancellations arising from adventure-related accidents. It encourages responsible exploration by reducing potential risks, allowing travellers to focus on the exhilaration of their experiences without worrying about the financial burden.

Tips to Choose the Right Travel Insurance Plan

Here are some tips for choosing the right travel insurance plan for adventure sports: Read the fine print carefully - Make sure you understand what is and isn't covered by your policy. Compare different plans - There are many different travel insurance plans available, so it's important to compare them to find one that fits your needs. If you have any questions about your travel insurance plan, don't hesitate to ask your insurance company. By following these tips, you can be sure that you have the right travel insurance coverage for your next adventure.


Adventure sports can be a lot of fun, but they can also be dangerous. That's why it's important to make sure you have the right medical insurance for travel. By reading the fine print and comparing different plans, you can find a policy that will protect you in case of an accident. Taking the time to get the right travel insurance will help to protect yourself financially in case of an accident. This will allow you to focus on enjoying your adventure without worrying about the potential consequences.


What adventure sports are covered under this policy?

Adventure Cover by Bajaj Allianz covers a range of adventure sports including water sports, mountain sports, racing, and other adventure activities.

What are the eligibility criteria for buying this cover?

Eligibility for Adventure Cover includes being a citizen of India aged between 18 to 70 years.

Who Benefits the Most from Adventure Sports Insurance?

Individuals engaging in adventure sports benefit the most from Adventure Sports Insurance as it provides financial protection against injuries and accidents.

What are the advantages of sports insurance?

Sports insurance offers financial coverage for medical expenses, disability benefits, and death compensation, providing peace of mind during adventurous activities.

Can I get affordable travel insurance that includes coverage for adventure sports?

Yes, Adventure Cover by Bajaj Allianz provides affordable travel insurance that includes coverage for adventure sports, ensuring both security and thrill.

Why do I need Travel Insurance for sports coverage?

Travel Insurance for sports coverage is essential to safeguard against unforeseen accidents or injuries during adventurous activities, ensuring financial protection and peace of mind.

Where to find the best Travel Insurance for Adventure Sports?

Adventure enthusiasts can find the best Travel Insurance for Adventure Sports through Bajaj Markets, offering Adventure Cover by Bajaj Allianz, providing comprehensive coverage at competitive rates.   *Standard T&C apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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