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

Alexa Fang

Alexa Fang

Last updated 08 March, 2024

Attention adventure seekers: Are you buying the right travel insurance plan for adventure activities?

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

For thrill-seeking adventure travellers who live for pulse-racing moments, "comfort zone" is probably is likely considered taboo. 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 skydiving, skiing, or mountain biking, safety and peace of mind should not be compromised. To fully embrace these adventures, it's crucial to ensure your peace of mind with adventure travel insurance that offers comprehensive coverage. 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.

If you're looking for travel insurance in Singapore for extreme sports, diving, hiking, or winter sports, we've got you covered. These plans offer the best coverage for adventure sports, ensuring that you can focus on your next thrill, secure in the knowledge that you're well-protected against the unforeseen.

Explore our travel insurance plans now to get your adrenaline pumping yet have peace of mind at the same time.

 

More on this topic:

Best Annual Travel Insurance Plans In Singapore (2024)
Best Travel Insurance In Singapore (2023) - SingSaver
Best Travel Insurance for Pre-Existing Conditions (2024)
Best Family Travel Insurance Plans in Singapore 2024
Single Trip vs Annual Travel Insurance: Which Should You Get?

Table of contents:


Why insure yourself when participating in extreme adventure sports?

Engaging in extreme adventure sports not only elevates your adrenaline but also your risk exposure, making the right travel insurance coverage essential. Insurers categorise sports into various segments to tailor coverage effectively. Here's a look at these categories:

  • Water sports: Activities like jet-skiing, white water rafting, paddle-boarding, and kayaking define the thrill of interacting with water in dynamic ways.
  • Winter sports: From skiing to snowboarding and tobogganing, these sports offer exhilarating experiences amidst frosty landscapes. Other winter sports include snow tubing, snow rafting, snowshoeing, sleigh rides, sledging and snowmobiling. 
  • Extreme sports: For those who seek the ultimate thrill, activities such as bungee jumping, rock climbing, and skydiving push the limits of adventure. Mountaineering, hot-air ballooning, skydiving, paragliding, hang gliding, parachuting and scuba diving also fall under this category.

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. 

Whether your adventure leads you to the water, the mountains, or the sky, ensuring you're adequately covered is paramount. Adventure sports coverage, though varied across insurers, typically falls under a comprehensive travel insurance plan. Essential coverage areas include:

  • Sporting equipment: Protect your investment in high-quality gear and equipment from loss, theft, or damage.
  • Personal liability: Shield yourself against potential liabilities if your actions inadvertently harm others or damage property.
  • Pre-booked adventure activity alterations or cancellations: Get reimbursed for non-refundable expenses if pre-booked adventures are unexpectedly called off.
  • Personal accident and medical expenses: Vital coverage for injuries, including those requiring emergency medical evacuation and hospitalisation.
  • Emergency services: Beyond immediate medical concerns, this extends to medical evacuation, repatriation, and even the repatriation of remains, ensuring comprehensive support in critical situations.

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 coverage, 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.


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 who 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:
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Best Types Of Travel Insurance Plans For Each Trip
Best Covid-19 Travel Insurance Plans (2022)


What Is Included in Extreme Sports Travel Insurance Coverage?

For enthusiasts of recreational sports, engaging in activities led by licensed professionals not only enhances the thrill and safety of the adventure but is also a prerequisite for securing comprehensive insurance coverage. Here's an overview of sports typically conducted under professional guidance and the specific limitations tied to insurance coverage:

Recreational Sports Guided by Licensed Professionals:

  • Bungee Jumping
  • Skydiving
  • Jet Skiing
  • Tobogganing
  • Hot Air Ballooning
  • Snowboarding
  • Rock Climbing
  • Paragliding
  • Hiking
  • Golf

Coverage Inclusions with Limitations:

Understanding the specific inclusions and limitations of your adventure sports insurance is crucial before embarking on your next thrill. Here’s a concise overview of what’s typically covered, with key restrictions to keep in mind:

  • Trekking: Covered for elevations up to 3,500m - 4,000m, ensuring safety at high altitudes.
  • Scuba Diving: Insurance extends to dives up to 30m deep when accompanied. Solo dives or those beyond 30m require additional coverage or are excluded due to increased risk.
  • Skiing: Coverage is valid for skiing within the designated boundaries of ski resorts. Off-piste or backcountry skiing falls outside standard insurance due to the heightened risk.
  • Canoeing/White Water Rafting: Insured up to Class 3 rapids, ensuring participants enjoy controlled, safe rapids under professional supervision.

What Activities Not Included Under Extreme Sports Travel Insurance?

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

Notably, activities involving any form of professional competition or sports where there is sponsorship or receipt of monetary rewards are generally excluded. This encompasses high-speed drag racing and expeditions to remote or previously undiscovered locations that present unique risks and challenges.

However, the type of coverage and range of sports covered are 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.


Best Adventure Sports Travel Insurance Plans

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

Best Diving, Hiking, Winter Sports Travel Insurance

Activity Category 
Insurance Plan 
Premiums (Individual plan, single-trip)*
Bungee jumping, hot-air ballooning, paragliding
MSIG Elite Plan
From S$52.50
Scuba diving
MSIG Elite Plan
From S$52.50
Snowboarding, jet-skiing, white- water rafting, diving, tobogganing,dogsledding, ice skating 
MSIG Elite Plan
From S$52.50
Equipment cover
Singlife Travel Prestige (Optional cover)
From S$70.11
Cancellation cover
Direct Asia Travel Insurance - DA500
From S$45.50

 


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.


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 travel 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 adventure 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. 

Also consider your travel frequency. Frequent travellers might find annual insurance more economical and convenient, providing coverage for multiple trips within a year, while single-trip insurance suits occasional travel. Compare the benefits and costs of annual vs single trip travel insurance to find a plan that works best for you.


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


Can I Use My Personal Accident Plan to Claim For Accidents Related to Extreme Adventure Sports?

It's crucial to recognise that personal accident insurance, travel insurance, and extreme sports insurance each serve distinct purposes, covering different aspects of risk and protection. Personal accident insurance is your go-to for accidents occurring at home, possibly excluding sports-related injuries. It also doesn't extend to travel-related emergencies, such as luggage loss, passport issues, or repatriation costs, areas where travel insurance takes the lead. 

Another key benefit of travel insurance is its coverage against natural disasters, including earthquakes, hurricanes, floods, and volcanic eruptions, safeguarding travellers from unexpected disruptions to their plans.

Moreover, for those daring to dive, jump, or climb, relying solely on a standard personal accident plan won't suffice. Extreme sports require a policy that explicitly covers such activities, safeguarding against personal accidents amid the thrill. Not every travel insurance policy is equipped to handle the unique risks of extreme sports like skydiving, bungee jumping, or rock climbing. Opting for a plan that specifically includes adventure sports travel insurance is essential, ensuring that your daring pursuits are backed by adequate protection.

Choosing the right insurance is not just about looking for cheap travel insurance – it’s about aligning with your activities and needs. Whether it's for everyday accidents, travel mishaps, or extreme sports thrills, ensuring you have the appropriate coverage is key to enjoying peace of mind while pursuing your passions.


Travel insurance promotions

fwdlogo-1024x576

SingSaver's Exclusive FWD Promotion: Use the promo code SSTRIP to get a 30% discount on Single Trip and Annual Trip plans! Valid till 21 April 2024. T&Cs apply. Also receive:

  • Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 

msig-logo

SingSaver's Exclusive MSIG TravelEasy Insurance Promotion: Get up to 40% off when you buy NOW! Valid till 30 April 2024. Also receive:

  • Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 

MSIG TravelEasy has been enhanced to provide better travel protection with over 50 benefits and COVID-19 coverage.

Tiq_Etiqa_LogoLockUp-02

SingSaver's Exclusive TIQ Travel Insurance Promotion: Use the promo code TIQSINGSAVER to get 40% off plus 60% off on COVID-19 add-on. Valid till 31 April 2024. T&Cs apply. Also receive:

  • Complimentary lounge access with SingSaver via SmartDelay. Valid till 1 July 8:59 am 2024.

Key in the promo code under the coupon code section on the next page after selecting your destination and dates. The prices shown are before discounts.

Receive coverage for trip cancellations, medical expenses, and more when you purchase the COVID-19 Rider. T&Cs apply.

 

 

sl-logo-singlife

 

Singlife Travel Insurance Promotion:

Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25 for Single Trip. Valid till 30 April 2024. T&Cs apply.

Annual Trip: Use promo code ANNUAL20 to get 20% off Annual Trip plans and get up to SGD 100 UNIQGIFT Vouchers from Singlife. Valid till 19 April 2024. T&Cs apply.

Also receive:

  • Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. 
 

 

 

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 (2024)
Best Travel Insurance in Singapore (2024)
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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