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.
Sports Travel Insurance
Choose the right sports cover level
Holidays are a great time to get active and over 100 sports are covered as Standard on all of our policies at no extra cost. However, for the more adventurous activities, extra sports cover (referred to as Sports Grades) will need to be added to your Single Trip, Annual Multi Trip or Backpacker policy so that you can have fun the safe way.
What are Sports Grades?
For the purpose of our policies, sports and hazardous activities are assigned to a Sports Grade which corresponds to the level of risk involved. The more extreme your sport, the higher the Sports Grade you need.
- Sports Grade 1 - Activities like cycling, jet-skiing and kayaking don't require extra cover, we cover 110 sports at no extra cost
- Sports Grade 2 - Activities like bungee jumping, safari and motorcycling (and more) require extra sports cover to be added to your policy
- Sports Grade 3 - Activities like paragliding, black water rafting, tandem sky diving require extra sports cover to be added to your policy
- Sports Grade 4 - High risk activities such as off piste skiing, canyoning and rock climbing require the highest level of sports cover
Adding extra sports cover is easy!
Simply get a quote above and select which Sports Grade you need. A full list of sports and hazardous activities, grouped by grade, have also been provided in the help box beside this.
Not sure which Sports Grade you need?
Don’t worry, simply search for the activity in the sports search box below and we’ll tell you which Sports Grade to choose.
Sports Injuries Medical Cover
Providing that you have the correct Sports Grade for the sport you're doing and that you're taking part in the sport in a non-professional capacity you will be covered fully for any subsequent medical costs in the event of an injury.
Experts' Top Tip: Driving to the airport? Our Meet & Greet airport parking services are ideal if you're travelling with sports equipment as you can avoid lugging heavy equipment & luggage by dropping your car at departures.
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 it’s vital that you declare it or you could invalidate your entire policy. Insurers don’t like to think that you’ve 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. What’s more, you even have the option to declare a condition but then exclude it from your policy. What this means is that you’ve 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.
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 it’s 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
anxiety free holiday travel is essential
we have used essential travel insurance for a number of years, now, and we are thoroughly satisfied with the cost and service we receive.
duncan mcgregor - Sun, 24 Nov 2013
Total Rating: 5/5
we chose essencials because we were recommended by a friend
It is a resonable price compaired to most companys and would recomend to anyone why pay more good job
Mr Hickling - Thu, 21 Nov 2013
Total Rating: 5/5
Really pleased with the price
Really pleased with the price.
Master Fish - Wed, 20 Nov 2013
Find the right travel insurance for your needs with Essential Travel's Expert Tips:
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