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If you're on the hunt for adventure travel insurance, you'll likely be looking at an insurance policy with a higher premium than normal sports insurance. This is because adventure travel, which is defined as being physically demanding and often requiring specialised skills, is considered to be a higher risk type of holiday than other more conventional vacation packages.
At Essential Travel, all policies come with our lowest grade sports insurance already included, meaning you're automatically covered for over 100 sports at no extra cost*. With this in mind, it's a great idea to check out which sports insurance grade your planned activity falls under as you may not need to pay any extra.
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|
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|
*Please note: Our policies cover over 100 sports as standard, as per our policy wording - which you will be able to view during the booking flow, before you purchase the policy. However if you are planning on undertaking any one of these sports as a competition, in a professional capacity or for a prolonged period of time during your holiday, please contact us over the phone as we may need to refer you directly to our underwriters.
You can customise your policy further with pre-existing medical condition cover, sports and a number of other specialist add-ons.
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.
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 → 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:
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.
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:
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.
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 →
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Essential Travel is a trading name of Holiday Extras Cover Ltd. Holiday Extras Cover Ltd is authorised and regulated by the Financial Conduct Authority and is registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF. Company number 05058680.
Holiday Extras Cover Ltd is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent. ME19 4UY. Company number 03220410.