Protect Every Adventure — from Surfing to Skydiving

Whether you’re catching waves at Jaws in Maui, snowboarding in Japan, or mountain biking through Colorado, Extreme Sports Travel Insurance gives you the
protection you need for high-adrenaline trips.

Even if only one person in your family or group plans to take part in adventure sports, this coverage ensures everyone can travel confidently with the right level of
protection.

Why You Need Extreme Sports Travel Insurance

Standard travel insurance doesn’t always cover high-risk or adventure activities.
If you’re hurt while surfing, skiing, or participating in other sports, you could be left without medical or evacuation coverage unless you choose a policy that includes
them.
Our extreme sports plans fill this gap, offering:

  • Medical coverage for injuries during covered sports
  • Emergency evacuation, search and rescue, and repatriation
  • Coverage for lost or damaged gear (including surfboards and equipment)
  • 24/7 emergency assistance anywhere in the world

Optional Global Rescue membership provides advanced field rescue and medical evacuation — ideal for remote surf breaks or mountain trips.

Sports and Activities Covered

Each insurer defines covered sports differently, but most policies can include or extend to:

Surfing, windsurfing, and kite surfing
Scuba diving, snorkeling, or freediving (within safe depth limits)
Snowboarding, heli-skiing, or off-piste skiing
Mountain biking, BMX, or skateboarding
Paragliding, ziplining, or white-water rafting
Rock climbing, abseiling, and canyoning

Key Benefits of Extreme Sports Travel Insurance

Sport-Specific Inclusions

Check whether your exact activity is listed under the covered sports. Some policies categorize sports by risk level (e.g., Calm, Active, Extreme), and require you to select the right tier at the time of purchase.

Emergency Medical & Evacuation Coverage

Ensure your policy includes high medical coverage limits (often $100,000 to $500,000 or more) and emergency evacuation in case you’re injured in a remote location.

Search & Rescue (SAR)

Some plans include optional SAR coverage, a vital benefit if you’re hiking, skiing, or biking in wilderness areas.

Trip Cancellation & Interruption

Reimbursement for prepaid, non-refundable expenses if you’re unable to travel due to covered illness, injury, or severe weather.

Equipment Coverage

Expensive gear like climbing ropes, boards, drones, or cameras may be covered for theft or damage — but limits vary.

Coverage for Amateur vs. Professional Status

Extreme sports travel insurance generally covers amateur activities. If you’re participating in official competitions or as a professional, you may need a higher level of coverage (see our separate guide for Professional Athlete Travel Insurance).

Who This Coverage Is For

Extreme Sports Travel Insurance is perfect for:

  • Individuals travelers and couples participating in extreme or adventure activities

  • Groups or families where one or more travelers plan demanding sports or expeditions

  • Surfers, divers, skiers, snowboarders, climbers, and outdoor explorers

  • Competitive athletes, instructors, and event participants (see our Professional Athlete Coverage)

  • Adventure tour groups or sports teams traveling for competitions or organized challenges

Even if not everyone participates in extreme activities, your policy should still recognize those who do.

Plan Options and Providers

At STI Surf Travel Insurance, we work with multiple trusted U.S. and international insurers offering extreme sports coverage options:

  • IMG Global – Adventure and extreme coverage for U.S. and non-U.S. residents under the Patriot Travel and Adventure plans.
  • Auras – Strong coverage for adventure, competition, and professional sports with adjustable medical limits.
  • Generali U.S. Branch – Single-trip protection with optional adventure add- ons.
  • Travelex – Ideal for active holidays or family travel mixing sport and leisure.
  • Globelink International – Adventure sports extensions for UK and EU residents.
  • Global Rescue – Optional membership for advanced rescue and evacuation from remote areas.

Our quote tool filters plans automatically based on your country of residence, travel style, and activities.

Ready to Find the Right Plan?

Compare Plans Now

Main Plan Comparison

You’ll instantly see plans that match your profile — filtered by eligibility, insurer, and activity type. Compare benefits at a glance, then proceed securely to complete your purchase directly with the insurer.

Have questions or a complex itinerary? Contact our team at [email protected] — we’re happy to help you find the best coverage for your journey.