Adventure Travel Insurance

Bespoke Adventure Travel Insurance

If your holiday abroad involves adventurous activities or higher-risk sports, it’s important to have travel insurance that suits the type of trip you’re taking. Adventure travel insurance is designed for people who plan to take part in activities that may not be included under standard travel insurance policies.

At Topsail, we have arranged specialist travel insurance for over 25 years. Our adventure travel insurance policies are designed to provide reassurance when you are taking part in approved sports and activities, with access to high levels of medical cover and emergency assistance while overseas.

What is Adventure Travel Insurance?

Adventure travel insurance provides cover for travellers who take part in sports or activities that carry a higher level of risk. Many standard travel insurance policies exclude these activities or apply strict limitations, which can leave travellers without suitable protection if an incident occurs.

This type of policy is suitable for both experienced adventurers and first-time participants. Cover applies where activities are listed and included within the policy terms. A wide range of adventure sports, winter sports and specialist activities can be covered, subject to conditions.

Why Choose Adventure Travel Insurance?

Adventure travel insurance is designed to reflect the practical risks associated with adventurous travel. It offers benefits that are particularly relevant when taking part in higher-risk activities overseas.

Key benefits include:

• Cover for more than 400 sports and activities
• Up to £1,000 cover for activity equipment
• Up to £10,000,000 cover for emergency medical expenses
• Search and rescue cover up to £50,000

These benefits are intended to provide financial protection where specialist medical treatment, evacuation or emergency assistance may be required following an insured activity.

Activities and Sport Cover

A wide range of sports and activities can be included under adventure travel insurance, subject to policy terms and conditions. These include:

Activities such as mountaineering, climbing and diving can involve increased medical and rescue risks due to altitude, depth or remote locations. Specialist cover is recommended for these types of activities. You should always check that your chosen activities are included before you travel.

Adventure Holiday Insurance Policy Options

Adventure travel insurance is available as either a single trip policy or an annual multi-trip policy. This allows you to choose cover based on how often you travel.

You can select cover from a wide list of activities, including winter sports and more challenging pursuits. Whether you plan to go scuba diving, skiing or fly a light aircraft, you can choose a policy that reflects your travel plans.

Optional add-ons are available. These allow you to extend cover for personal belongings or add protection against travel disruption if you experience delays or difficulties reaching your destination.

Medical Assistance and Emergency Support

If you experience a medical emergency or need urgent assistance while overseas, you can contact the 24/7 medical assistance line. This service can provide guidance and help coordinate appropriate support when required.

High levels of emergency medical cover are particularly important for adventure travel. Access to treatment, evacuation or specialist care can be more complex in remote or higher-risk locations.

Why Choose Topsail?

Topsail has extensive experience arranging specialist travel insurance for adventurous travellers. Our policies are designed to offer practical protection for a wide range of approved activities, supported by clear documentation and experienced assistance.

All policies are arranged through authorised and regulated insurers. This provides reassurance that your cover meets UK regulatory standards.

Frequently Asked Questions

Do I need adventure travel insurance if I already have travel insurance?

Standard travel insurance may exclude higher-risk activities or apply strict limits. Adventure travel insurance is designed to cover approved sports and activities that may not be included elsewhere.

Are all adventure sports automatically covered?

No. Activities must be selected and included within your policy. You should always check the policy wording to ensure your chosen activities are covered.

Is search and rescue included?

Search and rescue cover is included up to the stated policy limit, subject to policy terms and conditions.

Can I take out cover for a single trip?

Yes. Single trip and annual multi-trip policies are available.

Does adventure travel insurance include medical cover?

Yes. Emergency medical expenses are covered up to the stated policy limit, subject to policy terms.

Important Information

Adventure travel insurance is underwritten by Endurance Worldwide Insurance Limited. They are an insurance company that is wholly owned subsidiary of Sompo International Holdings Ltd. Endurance Worldwide Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

PJ Hayman & Company Limited is authorised and regulated by the Financial Conduct Authority. Register number 497103. Registered Office: Stansted House, Rowlands Castle, Hampshire PO9 6DX. Registered in England No. 2534965.