Holiday Extras
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Holiday Extras is a UK-based travel insurance provider that covers over 100 standard activities as part of its base policy. For adventurers pursuing higher-risk sports like mountaineering or base jumping, they offer an extended-risk add-on that expands coverage to extreme sports specialists wouldn't otherwise touch.
This works well for travelers who want solid standard coverage for regular trips but occasionally push into riskier territory. You're not paying extra premiums for coverage you don't need most of the time; instead you layer on adventure sports protection when the trip demands it.