Heymondo

Heymondo offers international travel insurance with an adventure sports add-on rather than a sports-first plan. Their coverage includes scuba diving, mountaineering up to 5,000 meters, and trekking. The 5,000-meter altitude cap is useful for Kilimanjaro or Mount Elbrus but won't cover Aconcagua (6,961 meters) or higher Asian peaks.

This works for international travelers who also do some adventure activities, but whose trips are primarily about travel rather than sport. If you're a tourist who hikes and dives occasionally, Heymondo's international medical network and travel-focused benefits might matter more than pure sports coverage. Their add-on structure is cost-efficient if you only need activity coverage for part of your trip.