Post Office Travel Insurance
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Post Office Travel Insurance, backed by the UK institution, covers over 100 sports and activities in its standard policy, including scuba diving as standard. If you occasionally venture into riskier territory, they offer adventure sports add-ons that layer on extra protection for more extreme pursuits.
This appeals to travelers who do a mix of conventional holidays and occasional adventure trips. You get reliable coverage for your baseline travel needs, with the option to add adventure protection only when you book that caving or climbing expedition.