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Best Travel Insurance Plans for Extreme Adventure Sports: Water & Winter Sports

Alexa Fang

Alexa Fang

Last updated 28 August, 2023

Attention adventure seekers: Are you buying the right travel insurance plan that covers all of your needs?

Best Travel Insurance: TIQ Travel Insurance | MSIG TravelEasy | Allianz Travel Insurance | Ergo TravelProtect | Singlife Travel Insurance | Sompo Travel Insurance | Tokio Marine Travel Insurance | Allied World Travel Insurance | Starr Travel Insurance | FWD Travel Insurance | AIG Travel Guard

If you live for the moments that literally take your breath away, "comfort zone" is probably a dirty phrase for you. You’re always on the lookout for new experiences to get the adrenaline going. 

Such experiences may or may not come in the form of travel, but when it does, it’s imperative that you don’t take risks here. Whether you plan on sky diving, bungee jumping or mountain biking, safety and peace of mind should not be compromised. Make sure that you’re not just insured – you're well insured.

Standing in as your temporary health insurance for your vacation, travel insurance is extremely important so purchasing the right travel insurance for your travel needs is essential.

Here are the best travel insurance plans that offer the best coverage for adventure sports, so you can get your adrenaline pumping but yet have a peace of mind at the same time.

More on this topic:

Best Annual Travel Insurance Plans In Singapore (2023)
Best Travel Insurance In Singapore (2023) - SingSaver
Best Travel Insurance for Pre-Existing Conditions (2023)
Best Family Travel Insurance Plans in Singapore 2023
Single Trip vs Annual Travel Insurance: Which Should You Get?

Table of contents:


Why insure yourself when participating in extreme adventure sports?

For the uninitiated, here are some common terms of sports that insurers use and the kinds of activities that fall under these categories:

  • Water sports: Jet-skiing, white water rafting, paddle-boarding, water surfing, water skiing, dragon boating, canoeing, kayaking, deep sea fishing, river tubing, yachting
  • Winter sports: Skiing, snowboarding, snow tubing, snow rafting, tobogganing, snow shoeing, sleigh rides, sledging, snow mobiling
  • Extreme sports: Bungee jumping, mountaineering, rock climbing, hot-air ballooning, skydiving, paragliding, hang gliding, parachuting, scuba diving

And now, we’ll discuss insurance needs if you’re planning on participating in kind of sports.

Water-related activities, winter and extreme sports – let’s call them adventurous activities cover for brevity, although different insurers each have their own labels for such – are all under the purview of your travel insurance plan. 

As such, you simply need to decide what adventurous activities you will be taking part in, and ensure that you have sufficient travel insurance coverage. Some areas of adventurous activities coverage to consider include:

  • Coverage for sporting equipment
  • Personal liability cover
  • Cancellations or alterations of pre-booked adventurous activities 
  • Personal accident, overseas medical expenses, emergency medical evacuation services 

Coverage for sporting equipment

The first coverage area is pretty straightforward – you’ll want to insure your expensive sporting equipment such as scuba diving equipment, golf clubs, snow skis, and etc. Should they get lost or damaged, your general personal belongings benefits may not cover them adequately, if at all. So be sure to check through your travel insurance policy by the different travel insurance providers and top up for a more expensive tier for important items. 

Also, if you’re renting them, you’ll be on the hook for any replacement or repair costs.

Personal liability cover

Personal liability cover is to ensure that you have a layer of protection in case your actions or participation accidentally cause another person or party to be injured. However, for most cases, standard travel insurance plans offer personal liability cover, but you should consider beefing it up if the amount is too low. 

Cancellations or alterations of pre-booked adventurous activities 

As for cancellations or alternations of pre-booked activities, well this is simply to give you an option to receive partial or full reimbursement should, say, your white-water rafting session be cancelled because of dangerous conditions. 

 

 

SingSaver's Exclusive AIG Travel Guard® Direct Promotion: 

Single Trip: Apply promo code SSTGD and receive up to $50 worth of Grab eVouchers! (minimum premium $100, fullfilment by AIG)  Valid till 6 Oct 2023. T&Cs apply.

Annual Trip: Get up to 6 Plaza Premium Lounge Access Passes with the promo code SSTGD when you apply NOW! Fulfillment by AIG. Valid till 6 Oct 2023. T&Cs apply.

Additionally, enjoy up to 3x chances to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

 


 

 

Personal accident, overseas medical expenses, emergency services

Lastly, personal accident, overseas medical and emergency services would already be included in your travel insurance plan, but again, you’ll need to evaluate if the benefits are at a high-enough level, and beef them up if necessary.  

One note though: Just because you have insurance for adventurous cover doesn't mean you can throw caution and take up the offer to go “backyard squirrel hunting” from MAGAGuns420 that messaged you over Craigslist.

In most cases, you’ll only be covered if you book your activities with a licensed and regulated guide or provider, and carry out the activity under proper supervision. 

And even so, there are restrictions and exclusions on the activities itself (for example, scuba diving up to a certain depth, trekking up to certain height, use of specialised equipment, participating in competitive sports, etc), so be sure to refer to the policy documents or check with your insurer.  

More on this topic:
FWD Travel Insurance Review: Great For The Budget
Revenge Travel 2022: 16 Top Travel Tips To Satisfy Your Wanderlust
Best Types Of Travel Insurance Plans For Each Trip
Best Covid-19 Travel Insurance Plans (2022)

 

SingSaver's Allianz Travel Insurance Exclusive Promotion:

Receive up to S$35 worth of Grab vouchers. Valid till 30 Sep 2023. T&Cs apply.

Enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Allianz Travel Insurance includes coverage for both COVID-19 and Cruises to Nowhere.



 


Best travel insurance for extreme adventure sports

The good news is that adventurous activities cover is quite readily found these days, leaving you with plenty of choices. Here are the best travel insurance plans for your activities:

Product

Adventure cover

Other product highlights

Apply
FWD First - Asean (Annual)
FWD First - Asean (Annual)
Covers sports like skiing, jet-skiing, scuba diving and extreme sports like white water rafting, hot air ballooning, bungee jumping etc 

Up to S$2,000 sports equipment protector as optional add-on 

 

 

Up to S$400,000 accidental death and permanent disability

Up to S$1,000,000 overseas medical expenses

Up to S$1,000,000 personal liability
MSIG Premier Plan
MSIG Premier Plan
Covers sports like bungee jumping, tandem sky diving, tandem paragliding, hot air ballooning, jet-skiing, white- water rafting, diving, tobogganing,
dogsledding, ice skating etc

Up to S$1,500 for damage, lost or stolen golfing equipment
Up to S$500,000 accidental death and permanent disability

Up to S$1,000,000 overseas medical expenses

Up to S$1,000,000 personal liability
Tiq Travel Luxury - Asia
Tiq Travel Luxury - Asia
Covers sports like skiing, snowboarding, scuba diving and adventure sports like bungee jumping, paragliding, hot-air ballooning
 
Up to S$4,000 sports equipment protector as optional add-on
Up to S$500,000 accidental death and permanent disability

Up to S$1,000,000 overseas medical expenses

Up to S$750,000 personal liability
Singlife Travel Prestige
Singlife Travel Prestige
Covers winter sports like skiing, snowboarding, sledging, water sports like diving, white water rafting, jet-skiing, kayaking etc as optional cover

Up to S$2,000 golfing equipment, up to S$3,000 winter sports equipment and up to S$3,000 water sports equipment

No cover for extreme sports like bungee jumping, parachuting etc
Up to S$500,000 accidental death and permanent disability

Up to unlimited overseas medical expenses

Up to S$2,000,000 personal liability

How to choose the right travel insurance

Tip #1: Buy Your Travel Insurance In Advance

Ideally, the best time to purchase travel insurance is 30 to 60 days before your trip. This is because some insurers may not insure you if you purchase any policy too close to the start of your trip.

Also, this means you will have the luxury of time to compare and find a policy that is best suited for you. If you have a specific budget or coverage in mind, use a free comparison tool to compare rates between the top insurers. In fact, you can start comparing travel insurance plans now on SingSaver.

 

Singsaver Exclusive Allied World Travel Insurance Promo: Enjoy a 30% discount for Single Trip Plans and 10% discount for Annual Trip Plans when you apply now! Valid till 30 Sep 2023.

Additionally, enjoy up to 3x chances to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.



 


Tip #2: Make Sure You Get The Coverage You Need

While the next natural thing to do is to compare policy premiums, it is important to check what the insurance plan covers first. Ask yourself: What coverage do I need?

And remember: Coverage first, price second.

As a thrill seeker, you’re most likely to go for “independent international trips”. Your itinerary is likely to include extreme sports or riskier activities such as skydiving or parachuting.

What you should consider is a plan that offers higher medical coverage. The truth is, you have a higher chance of getting injured than someone on a spa vacation. It’s best to be prepared. If you are on an impromptu trip and are flying on budget, you might also want to go for a policy with high coverage for flight cancellation, and loss/damage of baggage. 

The main highlights of these plans include:

  • Trip cancellation (before departure)
  • Overseas medical and accidental treatment expenses
  • Post-trip medical expense
  • Loss and/or damage of Bags and Belongings(including laptops and mobile phones)
  • Terrorism threat cover
  • Coverage for leisure activities

If you need extra or special protection – like sports equipment protector or pet care – you may want to consider getting add-ons. Always check the policy wording to ensure you have adequate coverage for items that are important to you. 


SingSaver's Starr TraveLead Exclusive Promotion: Enjoy up to S$50 Grab Vouchers and a 35% discount PLUS an EXCLUSIVE AGODA promo code by Starr when you apply using the promo code SSVTL35. Valid till 30 Sept 2023. T&Cs apply.

Additionally, enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Enjoy additional coverage by adding Trip or Baggage coverage for an absolute peace of mind. Increase COVID-19 medical expenses coverage and protection against trip cancellations due to COVID-19 when you select either the Gold or Silver plans. T&Cs apply.



 


Tip #3: Take Note of Special Clauses and Exclusions

Last but not least, there are certain things to be mindful of when buying travel insurance, and after purchasing the policy you need. Do take note that certain extreme sports, unless otherwise mentioned, may not be included in your coverage.

Some of these include, but are not limited to:

  • Any professional competitions or sports in which are sponsored or can receive any kind of financial remuneration
  • Hiking or trekking above a certain height from sea level
  • Mountaineering or rock climbing that involves ropes and climbing equipment, especially non man-made walls or if done unharnessed

However, be sure to check out the insurer's policy document to determine whether or not the activity you're participating is covered as insurers all have different exclusions.

In addition, when participating in recreational and sports activities, ensure that they are managed by a licensed commercial operator and that you follow the rules and safety procedures (including wearing appropriate safety equipment).

This could determine whether or not you’d be eligible for coverage and claims.

Read more: 10 Tips To Buying The Right Travel Insurance in Singapore

 


Activities not covered under extreme sports insurance

Many insurers offer coverage for a wide range of adventure sports and activities. There are also some of them that cover for extremely sports like bungee jumping, skydiving, hot air ballooning, jet skiing, white water rafting, diving etc.

However, the type of coverage and range of sports covered is different for each insurer, so be sure to check their policy document for more details and exclusions.

If you're still unsure, you can always contact your insurer to find out the exact coverage they provide before you purchase a plan from them.


Travel insurance promotions

 

FD_TI_INBLOGARTICLE_800x250
SingSaver's Best Price Travel Campaign: All successful applicants of participating Travel Insurance products will receive 1x (single trip) or 3x (annual trip) draw chance to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed (up to a maximum of $2,000) and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Valid till 31 December 2023. T&Cs apply.

Travel Insurance Premium for Individual Cover Covid-19 Coverage Promotion

FWD Travel Insurance

 

from S$22.50 (for 1 week in Asean)
Yes

Use the promo code SSTRIP to get 30% off on Single Trip and Annual Trip plans. Valid till 30 September 2023. T&Cs apply. 

Receive 1x Airalo eSim with up to 3GB data (minimum premium $60). Valid till 30 Sep 2023. T&Cs apply. 

Plus, till 30th September, every 58th sign up scores a Samsonite Volant Spinner 68/25 EXP worth S$480. Additionally, enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Etiqa (TIQ) Travel Insurance
Tiq_Etiqa_LogoLockUp-02

 

from S$39 (for 1 week in Asean)
Yes

Single Trip: Use the promo code TIQSINGSAVER to get 40% off. T&Cs apply. Valid till 30 Sep 2023. T&Cs apply.

Annual Trip: Use promo code TIQSINGSAVER to get 60% off COVID-19 add-on. Valid till 30 Sep. T&Cs apply.

Plus, till 30th September, every 58th sign up scores a Samsonite Volant Spinner 68/25 EXP worth S$480. Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023.  T&Cs apply.

Plus, new customers get additional S$30 off on top of the discount with voucher code FREETRAVEL. Valid till 30 Sep 2023. T&Cs apply. Additionally, stand to win S$3,000 in TIQ Travel Insurance Monthly Lucky Draw Campaign 2023 (Fulfillment by TIQ). Valid till 31 Dec 2023.

Starr TraveLead Travel Insurance


 

from S$11.05 (for 1 week in ASEAN)
Yes

Receive up to $50 Grab Vouchers and 35% discount plus an EXCLUSIVE Agoda promo code when you apply using the promo code SSVTL35. Valid till 30 September 2023.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw. 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

Allianz Travel Insurance
AZ logo

 

from S$34.10 (for 1 week in Asean)
Yes

Get 35% discount and receive up to S$50 worth of Grab vouchers when you use the promo code G035. Valid till 30 Sep 2023. T&Cs apply.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

MSIG Travel Easy

 

from S$34.10 (for 1 week in ASEAN)
Yes

Enjoy 40% off when you apply for Single Trips and 20% off for Annual Plan plus get up to $38 Grab Vouchers when you purchase now!! Valid till 31 Sep 2023. T&Cs apply

Enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Singlife Travel Insurance

SINGLIFE_LOGO_200x50-2 


 

 from S$46.20 (for 1 week in ASEAN)
 Yes

Score an Airalo eSIM with up to 3GB data and receive it before you fly when you apply now! Valid till 30 Sep 2023. T&Cs apply.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25. Valid till 30 Sep 2023. T&Cs apply.

Allied World  Travel Insurance

Allied-World-Insurance-2

 

 

 from S$45 (for one week in Asean)
Yes

Single Trip: Enjoy a 30% discount when you apply now! Valid till 30 Sep 2023.

Annual Trip: Enjoy a 10% discount when you apply now! Valid till 30 Sep 2023.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply

AIG Travel Guard® Direct 

aig-logo

 

from S$30 (for 1 week in Asean)
Yes

Single Trip: Apply promo code SSTGD and receive up to $50 worth of Grab eVouchers! (minimum premium $100, fullfilment by AIG)  Valid till 30 Sep 2023. T&Cs apply.

Annual Trip: Get up to 6 Plaza Premium Lounge Access Passes with the promo code SSTGD when you apply NOW! Fulfillment by AIG. Valid till 30 Sep 2023. T&Cs apply.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

Great Eastern Travel Insurance

Great-Eastern-1

 

 from S$52 (for one week in Asean)
Yes

Single Trip: Get an 20% discount when you use the promo code TSP20S.

Annual Trip: Get an 10% discount when you use the promo code TSP10A. 

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Promotion ends on 31 December 2023. T&Cs apply.


Conclusion

All in all, be sure to safeguard you and your loved ones on a trip in case of the unexpected. Do make sure you shop around and read the policy wordings clearly before you purchase to ensure that the activities you're planning to engage in is covered.

Want an affordable travel insurance policy? Compare quotes and the best ongoing deals now on our website!


Protected up to specified limits by SDIC.

Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that are not suitable for you may impact your ability to finance your future healthcare needs.

If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

 

Read these next:
Best COVID-19 Travel Insurance Plans (2023)
Best Travel Insurance in Singapore (2023)
Top 3 Things Travel Insurance Should Cover (And How Much is Enough)
7 Common Mistakes When Buying Travel Insurance That Could be Costing Money
5 Common Mistakes People Make When Making a Travel Insurance Claim

Alexa is a pop-culture vulture. She lives to read, write and travel, and decided long ago that life is stranger than fiction. When she’s having croissant, she thinks in French. “31 Rue Cambon” is her favourite address, and she believes that money one enjoyed spending is never money wasted.

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