Best Adventure Sports Travel Insurance

Adventure travel is all about the thrill — whether you're bungee jumping in New Zealand, diving in the Maldives, or hiking through the Himalayas. But with every pulse-pounding activity comes an added layer of risk.

That’s where adventure sports travel insurance comes in. Unlike regular travel insurance, this specialised protection is designed with adrenaline junkies in mind. It covers high-risk activities that standard plans often exclude — from skydiving and snowboarding to scuba diving and paragliding.

Whether you're planning your next great adventure or are already halfway up a mountain, having the best adventure sports travel insurance gives you peace of mind so you can focus on the fun.

How we chose the best adventure travel insurance plans

Choosing the right policy can be overwhelming, especially when you're trying to compare what's covered across different plans. At SingSaver, we assessed providers based on the following criteria (so you don’t have to):

• Coverage for adventure sports: We focused on policies that explicitly include high-adrenaline activities, rather than burying exclusions in fine print.

• Medical and emergency benefits: High-risk activities mean a higher chance of injury, so we prioritised policies with robust coverage for overseas medical expenses and emergency evacuation.

• Customisability: Plans with optional add-ons — like coverage for sports gear or even pet care — allow you to tailor protection to your trip.

• Value for money: We compared premiums against what’s offered, selecting plans that strike a good balance between affordability and protection.

• User experience: A smooth claims process and helpful customer service are essential when things go south during your trip.

>> Learn more: Compare the best travel insurance

An overview of the best adventure travel insurance

We’ve analysed and compared dozens of policies available in Singapore to shortlist the best travel insurance for adventure sports based on the above factors. Whether you're planning a one-off skydiving trip or a year of mountain hikes and dive holidays, these plans offer a great balance of protection and price.

Here’s how our top picks stack up:

>> Learn more: Best travel credit cards

Best adventure travel insurance options in Singapore

Let’s dive deeper into our six standout options in Singapore offering some of the best coverage for adventure sports. 

1. FWD First – ASEAN (Annual)

Why FWD First stands out:

• Affordable annual cover for adrenaline junkies.

• Strong medical and emergency evacuation coverage.

• Optional gear protection add-on.

FWD First provides adventure coverage for activities like skiing, scuba diving, bungee jumping, and paragliding. With up to S$1 million in medical expenses and S$500,000 for accidental death, it's a solid option for those taking multiple trips a year. You can also enhance your protection with a S$4,000 sports equipment protector.

2. MSIG Premier Plan

Why MSIG stands out:

• Covers a broad range of activities, including tandem skydiving and whitewater rafting.

• High personal liability and medical benefits.

• Extra perks for golfers.

This plan includes S$1 million in medical expenses, S$500,000 for accidental death, and S$1,000,000 in personal liability. If you're packing golf clubs, you're also covered for up to S$1,500 in equipment damage or loss. This plan is ideal for luxury or high-value trips with extensive coverage and flexibility.

3. Tiq Travel Luxury – Asia

Why Tiq Travel Luxury stands out:

• Tailored for premium trips within Asia.

• Covers key adventure sports like bungee jumping and snowboarding.

• Optional add-ons for sports gear.

With S$1 million in medical coverage, S$500,000 for accidental death, and S$750,000 personal liability protection, this plan balances comfort and coverage. It’s ideal for regional getaways filled with action.

4. Singlife Travel Prestige

Why Singlife Prestige stands out:

• Offers unlimited overseas medical coverage.

• High personal liability limits.

• Optional equipment protection for winter and water sports.

While this plan excludes extreme sports like bungee jumping, it’s a great pick for those focused on skiing, kayaking, and sledging. Equipment coverage goes up to S$3,000, with S$500,000 in accidental death benefits and S$2 million in personal liability. This makes it perfect for travellers looking for extensive medical coverage.

5. MSIG Elite Plan

Why MSIG Elite stands out:

• Comprehensive adventure sports coverage

• Higher personal accident and liability benefits than the Premier Plan

• Great for frequent travellers with high-value gear

This plan builds on the Premier version, offering broader protection and higher limits across the board. It’s designed for experienced adventurers or families travelling with expensive sports equipment.

6. Direct Asia Travel Insurance - DA500

Why DirectAsia DA500 stands out:

• High medical coverage with optional extreme sports add-on

• Strong value-for-money plan

• Family and group discounts available

DA500 offers up to S$500,000 in overseas medical expenses, S$250,000 for personal accident, and options to cover high-risk activities like scuba diving, mountain trekking, and snow sports. With flexible customisation, it’s a great pick for budget-conscious travellers who want solid coverage without overpaying.

Sports covered by adventure sports travel insurance

Adventure sports insurance typically covers activities conducted under the guidance of licensed professionals. Here’s a list of commonly included sports:

• Bungee Jumping

• Skydiving

• Jet Skiing

• Tobogganing

• Hot Air Ballooning

• Snowboarding

• Rock Climbing

• Paragliding

• Hiking

• Golf

Always ensure your chosen activity is led by a certified guide or operator — this is often required for your insurance to remain valid.

What’s covered under adventure sports travel insurance?

Whether you're planning a one-time adventure or multiple thrill-filled getaways throughout the year, most travel insurance policies come with a core set of protections. Adventure-specific plans go a step further to cover high-risk activities. Here's what’s typically included:

• Medical emergencies: From sprains to surgeries.

• Emergency evacuation: For remote accidents or injuries.

• Trip cancellation/interruption: If an illness or event halts your plans.

• Lost/delayed baggage: Especially important if you're travelling with gear.

• Adventure-specific cover: Extra protection for sports-related incidents.

It's important to understand that most travel insurance policies fall under a few broad categories. These determine the type of support you’ll receive depending on the incident, and they can often be mixed and matched based on your needs. Below is a breakdown of the most common types of travel insurance you’ll encounter:

Coverage inclusions with limitations

While these adventure travel plans offer a reassuring safety net, it's essential to know exactly how far your coverage stretches. Insurers typically set specific limits on how and under what conditions activities are covered. Here's a breakdown of common inclusions and their boundaries:

• Trekking: Most plans cover treks up to altitudes between 3,500m and 4,000m. Anything beyond this range might require specialist high-altitude or mountaineering cover.

• Scuba diving: You're typically insured for dives up to 30 metres in depth, provided you're accompanied by a certified instructor. Solo dives or those that exceed this depth are generally excluded.

• Skiing: Coverage usually applies only when skiing within marked and maintained resort boundaries. Off-piste or backcountry skiing is often not included due to the heightened risk.

• Whitewater rafting: Generally covered up to Class 3 rapids, as long as you're under the supervision of trained professionals and using appropriate safety gear.

Common exclusions and limitations for extreme sports travel insurance plans

In addition to the activity-specific limitations outlined above, many insurers exclude certain types of activities altogether — even if they fall under the “adventure” umbrella.

 Activities that involve professional competition or offer sponsorships or prize money are almost always excluded. So if you’re entering a racing event or competing in a high-stakes climbing competition, you’ll likely need a different type of cover.

Likewise, expeditions to remote or undiscovered destinations — such as high-altitude treks or off-grid wilderness exploration — may fall outside the scope of emergency evacuation coverage.

Each insurer defines its coverage differently, so it’s crucial to read through the policy details and exclusions carefully. If you're still unsure, get in touch with the provider directly before committing to a plan — especially if your itinerary includes any niche or unconventional activities.

Find the best adventure travel insurance policy for you

When you’re gearing up for a trip filled with activities, picking the right insurance policy is crucial. 

Start by asking yourself: What exactly will I be doing on this trip? If your itinerary includes high-adrenaline sports, check that each one is specifically covered under the plan. Don’t assume it’s included just because the policy looks comprehensive.

Next, dive into the exclusions. Some policies limit coverage based on factors like elevation (for hiking or trekking), water depth (for diving), or the class of rapids (for rafting). Knowing these details can help you avoid unpleasant surprises when filing a claim.

Equally important is the level of medical coverage. High-risk activities come with, well, higher risks. Look for policies with generous medical and evacuation benefits, especially if you're headed to a remote destination.

The claims process matters, too. A fast, transparent, and digital-friendly claims service can be a lifesaver if something goes wrong overseas.

Finally, think about how often you travel. If you're booking multiple trips in a year, an annual plan like FWD First may offer more convenience and cost-efficiency than buying a new policy each time.

It’s tempting to go for the cheapest policy, but make sure it actually protects what matters most to you. Prioritise coverage over cost — your peace of mind is worth it.

>> Learn more: Best travel insurance in Singapore

Travel smarter with these cards

Looking to earn more from your next adventure? The right travel credit card can help you rack up miles, enjoy airport perks, and stretch your travel budget further. Here are some of the best travel credit cards in Singapore for 2025, depending on what matters most to you:

• Best for miles: Citi PremierMiles Card

• Best for cashback with no minimum monthly spending: Standard Chartered Smart Credit Card

• Best for overall cashback: UOB One Card

• Best cashback for shopping and dining: HSBC Live+ Credit Card

• Best for frequent flyers: HSBC TravelOne Credit Card

• Best for fuel discounts: Citi Cash Back+ Card