Extreme Sports and High-Altitude Coverage
Climbing, diving, skiing away from groomed runs and motorsports are the activities behind this category. The listings are the plans, riders and specialist providers whose pages say they set out to cover them: insurers, plan brands with sports add-ons, a dive accident plan, a portal indexing adventure policies, and a pair of brokers. Their activity lists are where they differ most. Some sort sports into tiers with rising premiums, others require a named add-on for specific pursuits. Policy wordings also vary on altitude and depth limits, on guided versus independent or competitive participation, and on whether search and rescue sits inside the benefits. Evacuation from remote terrain appears in some plans as a paid benefit and in others as an arranged service, and each write-up records which, as published.
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World Nomads sells four travel protection plans to US residents, developed by Trip Mate and underwritten by United States Fire Insurance Company, with adventure activities built in.
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A nonprofit dive safety membership that sells members dive accident insurance underwritten by National Union Fire in the US, plus Generali-backed travel protection.
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A travel protection provider selling three plans, Ripcord for remote adventure, Cavalry for cultural trips and Harbor for budget travel, with evacuation limits up to $1,000,000.
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The travel insurance brand and division of Berkshire Hathaway Specialty Insurance Company, which underwrites its ExactCare, WaveCare and AdrenalineCare plans for US travelers.
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Travel protection plans designed and administered by AXA Assistance USA for US residents, with five single-trip plans and three annual plans underwritten by named US insurers.
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Travelex Insurance Services is a licensed US travel insurance producer selling Essential, Advantage and Ultimate plans underwritten by Zurich American Insurance Company.
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Faye is an app-based plan brand for whole-trip travel protection, with its plans underwritten by United States Fire Insurance Company or Great American Insurance Company.
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A German insurance agent selling Genki Traveler travel health cover and Genki Native international health insurance to nomads and expats, with Squarelife as the insurer.
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An adventure travel protection brand for US residents, with extreme sports cover built into four trip plans underwritten by Nationwide Mutual or AXIS depending on the buyer's state.
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A specialist travel insurance brand for conflict zones and hostile environments, underwritten by Guernsey-regulated Opportuna Insurance PCC and reinsured at Lloyd's, for NGOs, media, companies and individual contractors.
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A travel retailer that quotes other carriers' plans for Antarctic, Arctic and safari trips and checks each against the tour operator's evacuation minimum, without being an insurer or licensed producer itself.
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Visitor Insurance Services of America's two storefronts selling WorldTrips' Atlas plans and Global Underwriters' Diplomat plans, mainly for visitors to the US, with carriers named and no premiums shown.
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A Virginia-licensed insurance agency selling visitor medical plans from Trawick, WorldTrips, Global Underwriters, Petersen and others, with sample monthly premiums each tied to a stated age.
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A Del Mar, California brokerage and MGA arranging international health, travel medical, high-risk and high-limit disability cover for expats, employers and other brokers.
Frequently asked questions
What kind of coverage can I find for scuba diving?
You can find specialized options through Divers Alert Network, which offers dive accident insurance for members. Other providers listed also offer general travel protection plans that may include various adventure activities.
I'm planning a trip to the Arctic or Antarctica. Are there providers that help with specific expedition requirements?
Expedition Insure is a travel retailer that quotes plans for Antarctic, Arctic, and safari trips. They check each option against the specific evacuation minimums required by your tour operator.
Do any of these plans offer high limits for medical evacuation?
Redpoint Travel Protection offers plans that include evacuation limits of up to $1,000,000. You should check the specific plan details of other providers to see their individual evacuation caps.
Can I get insurance if I am traveling to a conflict zone or high-risk area?
Hotspot Cover is a specialist brand designed for coverage in conflict zones and hostile environments. They serve NGOs, media professionals, and individuals working in these locations.
Are there options specifically for digital nomads or expats living abroad?
Genki offers both traveler health cover and international health insurance tailored for nomads and expats. Orion International Insurance Services also arranges international health and high-risk cover for expats.