Do you have a pre-existing medical condition that you need to declare to your travel insurance provider? Get advice on pre-existing medical conditions.
Adventure Holiday InsuranceCovered on Multiple Sports Grades
Travel Insurance for Extreme Sports
Many adventure sports are considered extreme because they are riskier than most conventional sports. With Essential Travel, you can get covered for some of these sports under Sports Grade 1 cover at no extra cost when you quote for Single, Annual Multi or Backpacker trips.
If the sport falls under Sports Grade 2, 3 and 4, you to will have to add extra cover to your quote. With Sports Grade cover available for over 100 sports, you are bound to find suitable protection, whether you are a bungee novice or an abseiling fanatic.
Specific Sports Grade Cover Benefits
The table below shows how some Sports Grades offer different cover features.
|Sports Grade||Medical Excess||Personal Accident Limit||Personal Liability|
|Sports Grade 1||£75 - £125||£7,500 - £30,000||£500,000 - £2 million|
|Sports Grade 2||£300||reduced by 50%||Excluded|
|Sports Grade 3||£600||reduced by 50%||Excluded|
|Sports Grade 4||£600||reduced by 50%||Excluded|
Cover Benefits for All Sports Grades
The following features will remain unchanged despite the Sports Grade cover that you choose.
|Medical Expenses||up to £2.5 million||up to £5 million||up to £5 million||up to £10 million|
|Hospital Benefits||up to £300||up to £600||up to £600||up to £1,200|
Not sure which Sports Grade you need?
Dont worry, simply search for the activity in the sports search box below and well tell you which Sports Grade to choose.
Since you are an adventure sports fanatic, we would advise you to keep our 24-hour emergency service number at all times. You never know when you may need essential travel insurance assistance.
Add Extra Cover
You can customise your policy further with pre-existing medical condition cover, sports and a number of other specialist add-ons.
Do You Need to Declare a Medical Condition?
If you have a pre-existing medical condition its vital that you declare it or you could invalidate your entire policy. Insurers dont like to think that youve hidden things from them and you may be surprised to find out that many common medical conditions such as allergies can be added without any additional cost. Whats more, you even have the option to declare a condition but then exclude it from your policy. What this means is that youve told your insurer about your condition but decided not to cover it, so you will be covered medically for anything unrelated to that condition.
Do You Need Extra Sports or Specialist Cover?
A decent policy will include cover for many sporty or adventure activities as standard. However the more adventurous or dangerous the activity, like winter sports, the more likely it is that you will need to purchase additional sports insurance. You can customise your policy further a number of other specialist add-ons.
If you want to play sport on holiday, make sure you do so safely by adding the correct sports grade to your policy.
100+ sports are covered at no extra cost on our policies!
By adding Winter Sports to your Single, Annual or Backpacker policy you can take part in over 26 winter sports and be covered for:
Medical: you will be covered for emergency medical expenses that occur should you have an accident and require medical attention including cover for mountain rescue, helicopter rescue costs and repatriation
Equipment: Winter Sports cover also provides peace of mind against any theft, loss or damage to your personal or hired equipment as well as any pre-paid fees.winter sports cover →
Regardless of your handicap, cover for your golf equipment and pre-paid green fees can be added to your policy giving you nothing else to work on except your game.
Simply add extra golf protection to your Single, Annual Multi or Backpacker Trip policy to add extra protection for:
- Your Personal Equipment up to £1000
- Hired Equipment up to £200
- Pre-paid Green Fees up to £300
Self employed or working for a company, if you travel for work you can add extra protection against accidental loss, theft or damage to your business equipment to your Single, Annual Multi or Backpacker Trip policies.
Business cover protects equipment such as cameras, mobiles, laptops that you may need to work or have with you in meetings.business trip insurance →
Sail the seas worry-free by adding extra cover for missed port, cabin confinement and unused excursions to any of our Single, Annual Multi or Backpacker Trip travel insurance policies.
Cruise cover will add extra protection for:
- Extended baggage cover up to £3,500
- Missed shore trips up to £500
- Cabin confinement (due to illness) up to £600
- Valuables up to £700
If you're planning on tying the knot abroad, extra cover for accidental loss, theft or damage to your your wedding clothes, rings, gifts and photos can be added to your Single, Annual Multi or Backpacker Trip policy, to help ensure that your special day is everything its meant to be.
- Wedding Clothes up to £1500 per person
- Wedding Gifts up to £1000 per couple
- Wedding Rings up to £250 per person
- Wedding Photographs up to £750 per person
Should you need to claim on your travel insurance an Excess is the amount that you'll have to pay before we pick up the rest of the bill.
Avoid paying any excesses by adding the Excess Waiver option to your Single, Annual Multi or Backpacker Trip policy.find out more →
If you've packaged your holiday yourself (without the help of a travel agent) add the Indepentent Traveller add-on will provide cover for additional scenarios such as:
- Extended Cancellation and Curtailment: If you need to cancel or return home early because your booked accommodation becomes unreachable and unusable due to a travel ban or evacuation
- Extended Delayed & Missed Departure: Not only will we pay you for the first 12 hours of delay, we'll also help with pre-paid travel, accomodation & any alternative travel arrangements you may need to make
Travel Insurance Reviews
Customers have scored Essential Travel on average 87% 100 based on 1066 reviews.
Total Rating: 5/5
5 stars for the ease of use (website) and fast booking procedure
Getting a proposal was easy. You then only had to make up your mind about the sort of coverage you want and book it accordingly. I decided against the paper documents (sent by mail) just for the reason being I ran out of time as I booked late. Fortunately I didn't have to make use of the services on the spot and therefore cannot comment on that part.
Maika Wolf - Sun, 03 Nov 2013
Total Rating: 5/5
booked travel insurance with essential travel for January. done in ten minutes and policy was emailed to me that date. How easy was that, i've used them before and never had any problems everything is so straight forward, question and answer forms. Very good.
Mr sapcote - Sun, 03 Nov 2013
Total Rating: 4/4
Good value and easy to use.
I tend to use Essential as most of my trips involve sports mainly cycling. I find the website easy to use with very few questions and the price very competitive.
Mr Hicks - Sat, 02 Nov 2013
Find the right travel insurance for your needs with Essential Travel's Expert Tips:
Essential Travel recommends the best time to purchase your travel insurance to make sure your holiday is fully covered and you get the most from your policy.
Learn how to cut costs on your holiday insurance & receive exclusive travel insurance discounts. Cover for medical emergencies, cancellation and lost luggage.