Coverage for high-adrenaline trips with reliable rescue support.
Compare search and rescue limits, helicopter evacuation coverage, and gear protection for climbing, scuba, skydiving, and more. Remote mountain rescues can cost $50,000+ out of pocket, and standard policies often exclude activities above 3,000 meters or beyond recreational depths.
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Emergency evacuation & repatriation for remote areas where ambulance services are hours or days away.
Search and rescue reimbursement for government and private teams—costs average $10,000-$100,000 depending on location.
High-risk sports declarations to prevent claim denials when injury occurs during declared activities.
Equipment coverage for specialized gear (climbing ropes, scuba tanks, paragliding wings) lost or damaged during activities.
Medical coverage with no altitude or depth restrictions for backcountry skiing, technical diving, and high-altitude trekking.
Frequently asked questions
Does standard travel insurance cover skiing or scuba diving?
Most base policies exclude controlled sports above certain elevations or depths. Look for adventure add-ons that specify altitude, depth, and equipment coverage. A broken leg while skiing off-piste at 4,000 meters could mean a $75,000 helicopter rescue that's denied without proper coverage.
How much helicopter rescue coverage do I need?
Aim for at least $100,000 USD in mountainous regions. Popular policies include $250,000+ to cover international private evacuations. In Nepal, a helicopter rescue from Everest Base Camp to Kathmandu costs $15,000-$25,000, while rescues from higher elevations can exceed $100,000.
What happens if I get injured during an undeclared activity?
If you're injured skydiving but didn't declare it on your policy, the insurer can deny your entire claim—including the $80,000 medical bill and $30,000 air ambulance. Always declare specific activities before your trip, even if there's an additional premium.
Are there depth limits for scuba diving coverage?
Many policies cover recreational diving to 30 meters (100 feet) but exclude technical diving beyond that. Decompression sickness treatment in a hyperbaric chamber costs $5,000-$20,000 per session, with multiple sessions often required. DAN (Divers Alert Network) and specialized policies cover deeper technical dives.
Will my policy cover guided vs. independent adventures?
Some insurers only cover guided expeditions with certified operators, while others allow independent activities. A guided ice climbing expedition might be covered, but solo climbing the same route could void your coverage. Read the fine print on supervision requirements.
What if my gear is stolen or damaged during a climb?
Standard baggage coverage typically caps at $500-$1,500, which doesn't cover a $3,000 climbing rack or $8,000 paragliding wing. Adventure-specific policies offer higher limits for specialized equipment, with proof of value required.
Do I need coverage for mountain biking or trail running?
It depends on the terrain and risk level. Casual trail running is usually covered, but downhill mountain biking in bike parks or heli-biking in remote areas may require adventure sports riders. A broken collarbone from a bike crash in British Columbia led to a $45,000 hospital bill for one traveler without proper coverage.
Recommended providers
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Adventure-focused provider covering extreme sports and unique destinations. Equipment coverage up to 10,000. Excellent for adventure travelers and thrill-seekers.
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