ERGO
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ERGO structures their adventure sports coverage across multiple levels, letting you pick the coverage depth that matches your trip's activities. They cover everything from winter sports and mountain biking to backpacking, with 40-plus individual activities recognized across their different plan tiers.
Travelers juggling several hobbies (skiing plus mountain biking plus camping, for instance) can select a level that encompasses all of them. The tiered approach also appeals to those taking several trips per year with varying activity types.