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.

» MORE: What’s the best travel insurance policy for mountaineering?

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

• Bungee jumping

• Skydiving

• Jetskiing

• 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.

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. 

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.

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.

• Coverage type: Single-trip or annual multi-trip

• Overseas medical expenses: S$1,000,000

• Trip cancellation: S$15,000

• Baggage loss/delay: S$9,000

• COVID-19 cover: Not included; option to add on.

• Eligibility: Singapore residents aged 18+, free coverage extended to a maximum of 4 children under the family plan.

• Claim support: 24/7 emergency assistance hotline, online claim submission via app / portal.

• How to apply: Online through FWD’s website or via partner platforms.

SingSaver’s take

FWD First – ASEAN Travel Insurance stands out by offering automatic coverage even for many extreme sports and adventure activities without needing a separate add-on, which is rare among travel policies. That means adrenaline seekers can enjoy surfing, rock climbing, mountain biking, or other high-risk pursuits under the same plan that protects you from medical emergencies, trip disruptions, and baggage loss. 

Coupled with robust medical limits and 24/7 emergency support, this makes FWD First a compelling choice for both regular travellers and thrill-seekers within Southeast Asia.

» Read full review

• Coverage type: Single-trip or annual multi-trip

• Overseas medical expenses: S$1,000,000

• Trip cancellation: S$15,000

• Baggage loss/delay: S$7,500

• COVID-19 cover: Covered, with S$25,000 for overseas medical expenses.

• Eligibility: Singapore residents aged 18+, free coverage extended to a maximum of 4 children under the family plan.

• Claim support: 24/7 emergency assistance hotline, MSIG online claims portal.

• How to apply: Online via MSIG or partnered insurer’s platform.

SingSaver’s take

The MSIG TravelEasy Premier Plan is one of the most comprehensive options for travellers who want strong medical protection and wide-ranging benefits. It covers COVID-19 related medical expenses and disruptions, plus trip cancellations, baggage delays, and emergency medical evacuation. 

A key highlight of the Premier tier is its automatic coverage for many extreme and adventure sports, making it a standout choice for travellers who enjoy activities like skiing, scuba diving, or trekking. Although premium in cost compared to entry-level plans, it delivers excellent peace of mind for both frequent flyers and adventure seekers.

• Coverage type: Single-trip or annual multi-trip

• Overseas medical expenses: S$1,000,000

• Trip cancellation/curtailment: S$10,000

• Baggage loss/delay: S$2,000

• COVID-19 cover: Available as an add-on.

• Eligibility: Singapore residents aged 18+, free coverage extended up to 4 children under the family plan.

• Claim support: 24/7 emergency assistance hotline, simple online claim submission.

• How to apply: Online via TIQ’s website or partnered insurer’s platform.

SingSaver’s take

The TIQ Travel Luxury – Asia Plan is designed for travellers who want broad protection at a competitive price point. It covers medical expenses and disruptions, trip cancellations, baggage delays, and emergency medical needs, making it a solid choice for regional trips. COVID-19 coverage is available as an add-on for your peace of mind.

However, despite its ‘Luxury’ status, extreme sports remain excluded under the policy wording, which means activities like skiing, diving beyond depth limits, racing, or other high-risk adventures aren’t covered. This plan works best for frequent travellers and families looking for elevated protection and higher benefit caps, but thrill-seekers should consider alternative insurers that specifically cover adventure sports.

» Read full review

• Coverage type: Single-trip or annual multi-trip

• Overseas medical expenses: Unlimited

• Trip cancellation: S$20,000

• Baggage loss/delay: S$8,000

• COVID-19 cover: Included

• Eligibility: Singapore residents aged 18+, free coverage extended up to 4 children under the family plan.

• Claim support: 24/7 emergency assistance hotline, simple online claim submission

• How to apply: Online via Seedly website or partnered insurer’s platform

SingSaver’s take

The Singlife Travel Prestige Plan is a top-tier option for travellers seeking extensive protection, from high medical expense limits to trip cancellations, baggage loss, and COVID-19 related disruptions. It provides 24/7 emergency assistance, a simple online claims process, and family-friendly coverage that extends to children at no additional cost. 

While comprehensive, travellers should note that extreme sports and adventure activities are excluded by default and require an add-on for coverage. Overall, this plan is best for those who want peace of mind on premium trips and the flexibility to customise for higher-risk activities if needed.

» Read full review

• Coverage type: Single-trip or annual multi-trip

• Overseas medical expenses: S$500,000

• Trip cancellation: S$15,000

• Baggage loss/delay: S$5,000

• COVID-19 cover: Available as an optional benefit for single-trip policies

• Eligibility: Singapore residents aged 18+, free coverage extended up to 4 children under the family plan

• Claim support: 24/7 emergency assistance hotline, online claim through the DirectAsia portal

• How to apply: Online via DirectAsia’s website or partnered insurer’s platform

SingSaver’s take

The DirectAsia DA500 Plan provides a balanced mix of affordability and protection, making it suitable for casual travellers as well as frequent flyers. It includes solid coverage across medical emergencies, trip cancellations, travel disruptions, baggage delays, and COVID-19 incidents, supported by a 24/7 emergency hotline and simple online claims process. Families also benefit from complimentary coverage for children under a family plan. 

Travellers should note, however, that extreme sports coverage is not included by default and is only available as an add-on for annual policies. This makes DA500 a dependable choice for general travel, though those engaging in adventure activities may need to customise their plan.

» Read full review

Best for winter sports

FWD and MSIG are strong choices for recreational skiers and snowboarders. FWD's standard plans often include these activities by default, while MSIG's TravelEasy plans also offer good coverage.

Coverage & limitations

Both FWD and MSIG explicitly cover skiing and snowboarding, but with a crucial limitation: they exclude off-piste activities. This means you are only covered when skiing within the marked and patrolled areas of a resort.

Equipment coverage

If you're bringing your own gear, look for a specific add-on. Direct Asia offers a "Sports Equipment Cover" add-on, though it is often available only with an annual policy. Singlife also requires a "Winter Sports" add-on, which includes coverage for damaged or lost equipment.

Best for hiking 

FWD and Direct Asia are solid options for most popular trekking routes.

Coverage & limitations

The primary limitation for hiking is the altitude. FWD's policy generally excludes trekking above 3,500m to 4,000m. MSIG's altitude limit is typically lower, around 3,000m. Direct Asia's "Extreme Sports and Activities" add-on covers hiking up to 4,000m, but it requires you to be accompanied by a licensed guide. 

For a standard trip to a destination like Mount Fuji or a trek in the Swiss Alps, these policies may be sufficient. However, for high-altitude expeditions like the Everest Base Camp, you would need a specialised policy from a niche provider.

Best for climbing

TIQ is a good choice for those who engage in recreational rock climbing on man-made walls.

Coverage & limitations

Most standard policies have a general exclusion for high-risk climbing or mountaineering expeditions. FWD excludes "expeditions to remote, previously undiscovered or inaccessible locations." For a more comprehensive rock climbing or mountaineering policy, you would need to purchase an "extreme sports" add-on. Direct Asia covers rock climbing and mountaineering with its add-on, but it mandates that you use a licensed guide. 

For serious, technical climbing, most of these providers would not be suitable.

Best for scuba diving

MSIG and TIQ provide good coverage for the typical recreational diver.

Coverage & limitations

The most important factor is the depth limit. MSIG's policy covers dives up to a depth of 30 metres, provided you are accompanied by a qualified dive instructor. Similarly, FWD has a similar depth limit and excludes diving unaccompanied below 30 meters. 

For certified divers who go beyond the recreational depth limits, Singlife is a standout option. Its "Adventurous Water Sports" add-on extends the depth limit to 40 metres for certified divers, making it ideal for more advanced diving.

Best for skydiving, paragliding and bungee jumping

FWD and MSIG are excellent choices as they often include these activities in their standard plans, unlike other insurers that require an add-on.

Coverage & limitations

The key to coverage is ensuring the activity is non-competitive and done with a licensed and reputable operator. FWD and MSIG policies generally cover these activities under such conditions. Singlife requires the appropriate add-on for coverage, but it also has a similar requirement for a licensed operator. Direct Asia covers these activities only through its "Extreme Sports and Activities" add-on, which is an important consideration.

Best for rafting

FWD and MSIG are good options for travellers who plan to go white-water rafting on standard difficulty rivers.

Coverage & limitations

The primary limitation is the river's difficulty grade. FWD's policy covers white-water rafting as long as it is with a qualified guide and does not exceed Grade 4 on the International Scale of River Difficulty. MSIG's coverage is typically limited to even lower grades, such as Grade 3. For more advanced or high-grade rivers, you would need to verify coverage directly with the insurer or look for a more specialised policy.

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 an 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.

Many credit cards in Singapore offer complimentary travel insurance as a convenient perk for cardholders. However, it's crucial to understand that this free coverage is typically a "common carrier" policy, primarily designed to protect against travel inconveniences like flight delays, lost luggage, and accidents on public transport, and may not be suitable for adventure travel.

• Seedly rating: 4.4 / 5

• Annual fee: S$196.20 (Waived in first year)

• Min. annual income: S$30,000 (Only for Singaporeans/PRs, S$42,000 for foreigners)

Product details 

• 10X Rewards on online and shopping mall purchases. Capped at S$1,000 per statement month.

• The 10X Rewards apply to a wide range of categories, including online shopping, food delivery, and ride-hailing services, making it a versatile card for daily use.

• Citi Rewards Card's miles can be transferred to a variety of frequent flyer programs, including Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles, and British Airways Avios, offering greater flexibility.

SingSaver’s take

The Citi Rewards Card is a fantastic all-rounder for anyone who does a lot of online shopping or spends at shopping malls, thanks to its generous 4 mpd earn rate on those categories. The annual fee is a bit high, but the first-year waiver and the option to transfer miles to various partners add to its value. 

However, the travel insurance benefit offered by this card has a key limitation: it is a basic, "common carrier" type of coverage. This means it primarily covers accidents that occur while you are on a licensed public transport, such as a plane, bus, or train. It does not provide comprehensive coverage for medical expenses or accidents that happen during your trip, especially while engaging in extreme or adventurous activities.

» Read full review

• Seedly rating: 5 / 5

• Annual fee: S$414.20 (Waived in first year)

• Min. annual income: S$120,000 

Product details 

• The card offers an exceptionally high earn rate of up to 10 mpd on two categories you can select and change every quarter.

• The 10 mpd earn rate is a combination of a base rate and bonus UNI$, with an additional bonus available when you pair the card with a UOB Lady's Savings Account.

• The bonus earn rate is capped at S$2,000 spend per calendar month (with each category capped at S$1,000 spend).

• Enjoy complimentary airport limousine rides and lounge access, making it a strong card for frequent travellers.

SingSaver’s take

The UOB Lady's Solitaire Card is a premium card designed for affluent shoppers. Its ability to earn up to 10 mpd on a choice of two categories is an incredible value proposition for those who spend heavily in specific areas like luxury fashion or travel. The flexibility to change your preferred categories each quarter is a huge bonus, allowing you to maximise your rewards based on your spending habits.

However, the card has a very high annual income requirement of S120,000, making it inaccessible to the general public. While the card offers complimentary travel insurance, similar to the Citi Rewards Card, it is a basic "common carrier"policy that provides personal accident coverage up to S$500,000, but only for accidents that occur on public transport. For medical expenses and other travel inconveniences, the limits are considerably lower than a paid travel insurance policy (e.g., medical expenses up to S$100,000). For extreme sports or adventure travel, this complimentary insurance would be insufficient, as it excludes injuries and accidents from "hazardous sports."

» Read full review

• Seedly rating: 4.1 / 5

• Annual fee: S$397.85

• Min. annual income: Subject to internal assessment

Product details 

• Miles earned are automatically credited to your KrisFlyer account, eliminating the need for manual conversion and fees.

• Spend S$15,000 on eligible Singapore Airlines and Scoot flight bookings within the first 12 months to get a fast-track to KrisFlyer Elite Gold status.

• Enjoy a complimentary one-night stay each year at a participating Hilton property in the Asia Pacific region.

• Receive miles redemption vouchers for paying the annual fee and for meeting foreign currency spend thresholds.

• Offers complimentary travel inconvenience and travel accident benefits.

SingSaver’s take

The American Express Singapore Airlines KrisFlyer Ascend Credit Card is a high-end card designed for those who are deeply integrated into the Singapore Airlines ecosystem. The high earn rate on SIA and Scoot spending, combined with the direct crediting of miles, makes it incredibly convenient for loyal customers. The complimentary Hilton night stay and the potential for a KrisFlyer Elite Gold upgrade are valuable perks for frequent travellers.

While it offers complimentary travel insurance, this is not a substitute for a comprehensive travel insurance plan. The policy is underwritten by Chubb and provides limited coverage. For instance, the travel accident benefits are primarily for accidents that happen on a "public conveyance," meaning it will not cover injuries sustained from activities like hiking, climbing, or any other extreme sports. While it offers coverage for medical expenses and travel inconveniences, the limits are typically lower than what a paid policy would provide.

» Read full review

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.

» MORE: Comparing the best holiday water sports travel insurance