Does Travel Insurance cover Adventure Activities?

Yes! Many travel insurance plans offer coverage for different types of adventure activities like water, sky activities. Since adventures can be found in every nook and corner, there shouldn’t be anything stopping you from trying it all (safely of course!). 

If you're someone who loves to take the road less travelled (quite literally, through sky diving, or bungee jumping, etc.) then you should also consider the medical risks that accompany these adventure activities.

So why not get travel insurance that can cover you in case something unexpectedly goes wrong?

Indulging in extreme sports like mountaineering, parachuting, ski diving etc., require you to stay protected in case of medical emergencies. Travel Insurance with Adventure Activities or Adventure Sports cover can do just that!

What insurers do is, if in the event of hospitalization or requirement of medical treatment due to part-taking in adventure sports (a list which is defined by your insurer), your medical bills will be covered. 

We know that travelers on vacation love to try new stuff and as much as we'd love to say there's no harm in that, we know better. There's always a slight risk of things going south. Better safe than sorry!

What kind of injuries are caused by extreme sports

It's always better to warm up a little and stay hydrated before you engage in any outdoor activity like cycle racing, canyoning, trekking, rock climbing, ski racing, etc. This can help prevent injuries like sprains, strains, scrapes, fractures, concussions, or muscle pulls from occurring. 

Sports such as skydiving (a thrilling sport of parachuting from an aircraft) sees the majority of the injuries caused as a result of human error.

Bouldering (or similar activities like ice climbing, indoor climbing gyms and walls, speed climbing, etc.) can lead to acute injuries (like injuring your fingers, limbs and muscle tensions, tendon pulls, etc.) from falls.

Skiing and Snowboarding (especially when you go to European countries like Norway, Switzerland, France, Italy, etc.) can lead to fractures, tissue and ligamentous injuries with knee joints being the most susceptible. What if you are caught in an avalanche? With emergency treatment and evacuation cover, you can be protected.

Yes, we do! With Digit, you can get the most out of your international travel insurance with the Adventure Activities cover. It applies only to those activities you select (as mentioned in your policy) undertaken generally for a duration of 1 day.

For a detailed list of activities, you can refer to our policy document (under Hazardous Activities) to check the ones covered. Below are some of the:

• Base Jumping

• Black Water Rafting

• Bouldering

• Cycle Racing

• Paragliding

• Polo

• River Bugging

• Rodeo

• Ski Racing

• Water Ski Jumping

• Rugby

• Wrestling

• Motorcycle Racing

Under the Adventure Activities Cover, you will be financially protected in case of, or if you need: 

• Personal Accident  

• Emergency Medical Treatment and Evacuation  

• Emergency Accidental Treatment and Evacuation  

• Daily Cash Allowance  

• Emergency Dental Treatment  

• Personal Liability and Bail Bond 

This cover is only applicable if you participate in a non-professional capacity and under the supervision of a trained professional. You must also remember to follow all safety measures and guidelines laid down by the adventure activity instructors.  

When it comes to adventure activities coverage, Digit offers this cover only for those activities for a duration of one day. Two or more day-long activities, like treks, aren’t covered. Along with this, some of the exclusions are mentioned below: 

• Non-adherence to the guidelines/instructions of the organizers of the adventure activity. 

• Participation in a professional capacity and without the supervision of a trained professional. 

• Any exclusion mentioned in the General Exclusion Section of your travel insurance policy is also not covered here. 

When purchasing your policy, you can specify particular adventure activities to check if it is covered. Once you’ve got yourself protected in case things don’t go according to plan, you can go out there, your wild, crazy self, and make the best of your trip!