Insubuy

Insubuy operates as a marketplace aggregating multiple insurance plans rather than offering its own branded product. This means you can compare riders and add-ons side-by-side for activities like diving, skiing, mountaineering, and rock climbing, all in one place. The specialized options come in handy for backpackers with niche pursuits where standard plans fall short or exclude coverage.

The downside is that being a marketplace adds complexity and you're still responsible for picking the right combination. If you know exactly what activities you'll do, going direct to a single insurer might be simpler, though Insubuy's comparison tools do save time if you're weighing several options.