Nationwide
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Nationwide's Prime plan already covers common adventure sports including bungee jumping and scuba diving. For travelers wanting to go beyond these baseline activities, they offer an optional adventure sports rider that expands the policy to include additional recreational pursuits.
This approach works well for those doing well-known adventure activities who want a straightforward plan without paying for extras they don't need. The rider option keeps flexibility and cost control, letting you upgrade only when your itinerary includes less common sports.