Ways to Travel
Best Adventure Travel Insurance of 2025
Travel insurance can be a huge help, even if you plan to just lounge by the pool. But if you’ve signed up for mountain biking, rock climbing or a jungle safari, you’ll want adventure travel coverage.
An adventure travel add-on to your standard travel insurance policy extends coverage to activities that are usually excluded. That includes medical coverage for injuries sustained in high-risk activities and reimbursement for the damage or loss of any specialty gear.
CNBC Select reviewed more than 20 travel insurance carriers with adventure travel benefits and picked the best for cost, coverage, availability, claims filing and more. (See our methodology for more on how we made our selections.)
Best adventure travel insurance
Best for affordability: Faye
Faye Travel Insurance
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Policy highlights
Faye has one single-trip plan with optional add-ons for pet care, adventure sports and damage to vacation rentals.
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Emergency medical: $250,000
Medical evacuation: $500,000
Personal effects: $150 per item (up to $2,000 total) -
Cancel For Any Reason coverage
Up to 75% reimbursement of nonrefundable trip costs if purchased within 14 days of initial trip deposit.
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Pre-existing condition waiver
Available if policy is purchased within 14 days of initial trip deposit.
Pros
- $4,500 per person trip delay coverage after six hours.
- 100% digital claims process
- Can add coverage for pet care and vacation rental damage
Cons
- Only one plan is available
- Rates are higher than some competitors
Who’s this for? Starting at just over $5 a day, Faye’s plans automatically cover dozens of activities like white water rafting, skiing, horseback riding, kayaking and mountain climbing.
Standout benefits: Feeling more daring? The Adventure & Extreme Sports endorsement adds parachuting, bullriding and other daredevil activities. Faye will also cover up to $2,500 in emergency veterinary expenses or up to $250 in additional kenneling costs.
Best for ski trips: AXA Assistance USA
AXA Assistance USA Travel Insurance
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Policy highlights
Silver, Gold and Platinum plans with add-ons including a collision damage waiver (for Gold and Platinum), lost ski days or golf rounds and CFAR insurance (for Platinum plan)
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Emergency medical: $250,000 for Platinum Plan
Medical evacuation: $1 million for Platinum Plan
Personal effects: $500 per item, up to $3,000 total -
Cancel For Any Reason coverage
Add-on with Platinum plan that reimburses 75% of nonrefundable trip costs if you purchase within 14 days of booking ($50,000 maximum).
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Pre-existing condition waiver
Available with Gold and Platinum plans if purchased within 14 days of trip deposit.
Pros
- Up to $3,000 for lost baggage with AXA’s Platinum plan
- Up to $1,500 per person for missed connections on cruises/tours
- Pre-existing conditions waiver available for Gold and Platinum plans
Cons
- No add-ons available with Silver plan.
- Cancel for Any Reason coverage only available with Platinum plan
Who’s this for? AXA Assistance USA’s Platinum Plan reimbursers you for missed ski days, prepaid lessons and lift tickets if your ski trip gets derailed by closed trails, inclement weather or insufficient snow.
Standout benefits: The Platinum Plan also offers a collision damage waiver, which can be helpful if you’re planning to rent a car to get to the slopes.
Best for diverse activities: World Nomads
World Nomads Travel Insurance
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Policy highlights
Standard, Explorer, Epic single-trip plans and annual/multi-trip plan, with CFAR available for top-tier policies
Emergency medical: $125,000 for Standard Plan, $150,000 for Explorer Plan, $250,000 for Epic Plan
Medical evacuation: $400,000 for Standard Plan, $500,000 for Explorer Plan, $700,000 for Epic Plan
Personal effects: $1,000 for Standard Plan, $2,000 for Explorer Plan, $3,000 for Epic Plan -
Cancel For Any Reason coverage
Add-on for Explorer and Epic plans that covers 75% of nonrefundable costs if purchased seven days before initial deposit. (Not available in New York.)
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Pre-existing condition waiver
Available with Explorer and Epic plans purchased seven days before first deposit.
Pros
- Affordable rates
- Coverage can be extended mid-trip
- Covers 200+ adventure activities like scuba diving and bungee jumping
Cons
- Lower trip cancellation limits than other companies
- CFAR add-on must be bought within seven days of booking
- Only issues policies to travelers 69 and younger.
Who’s this for? World Nomads‘ Explorer Plan covers more than 200 thrill-seeking activities, including free-style skiing, ice climbing, hang gliding and shark-cage diving. The top-tier Epic Plan is aimed at bucket-list adventures like glacier walking and deep-sea diving.
Standout benefits: World Nomads lets you buy a policy even after you’ve started your trip, with coverage starting the very next day.
Best for high medical coverage limits: Travel Insured International
C&F Travel Insured International Travel Insurance
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Policy highlights
Single-trip and multi-trip/annual policies and cruise insurance. Add-ons include Cancel for Any Reason coverage and a travel inconvenience benefit
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Emergency medical: $50,000 for Essential Plan, $250,000 for Deluxe Plan, $500,000 for Platinum Plan
Medical evacuation: $200,000 for Essential Plan, $500,000 for Deluxe Plan, $1 million for Platinum Plan
Personal effects: $750 for Essential Plan, $1,500 for Deluxe Plan, $2,500 for Platinum Plan ($250 per item) -
Cancel For Any Reason coverage
Add-on to Worldwide Trip Protector Deluxe or Platinum plan that reimburses 75% of nonrefundable costs when purchased within 21 days of initial trip payment
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Pre-existing condition waiver
Available if policy is purchased within 21 days of initial trip deposit.
Pros
- Lower rates than other top providers
- Platinum plan comes with $500,000 in medical coverage
- Add-ons include coverage for event tickets and electronics
- Job loss is an approved reason for trip cancellation
Cons
- Basic Essentials plan lacks much customization
- Limited options in Montana, New York and Washington state
Who’s this for? Travel Insured International‘s plans offer up to $500,000 for medical expenses and $1 million for evacuation, higher than most competitors. While most travel insurance excludes dental care, Travel Insured International covers up to $750 worth of emergency treatment.
Standout benefits: The Worldwide Trip Protector Platinum plan comes with an optional extreme sports medical upgrade that lifts the exclusion if you ride or drive in any races or participate in speed or endurance competitions.
Best for equipment protection: Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection
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Policy highlights
Basic, mid-level and top-tier plans, plus policies just for flights, cruises and adventure travel. There are no add-ons but the LuxuryCare plan includes an option to upgrade to CFAR coverage.
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Cancel For Any Reason coverage
Add-on to LuxuryCare plan that reimburses 50% of nonrefundable trip costs if purchased within 15 days of booking
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Pre-existing condition waiver
Available with any plan purchased within 14 days of trip deposit.
Pros
- Speedy claims resolution including same-day compensation
- All plans include rental car collision coverage
- Pre-existing coverage waiver available with all plan
Cons
- CFAR policy only reimburses 50% of prepaid trip costs
- No add-ons available
Who’s this for? Berkshire Hathaway Travel Protection’s AdrenalineCare plan reimburses up to $500 if your golf or other sporting gear is delayed more than six hours. If your equipment is lost, you can get reimbursed up to $1,500.
Standout benefits: AdrenalineCare covers $50,000 in emergency medical coverage and $750,000 in evacuation coverage. A pre-existing condition waiver is available if purchased within 14 days of the initial trip deposit.
What does adventure travel insurance cover?
Travel insurance typically covers common inconveniences like canceled, interrupted and delayed trips, as well as delayed or lost luggage, unexpected medical expenses and emergency evacuations.
Most standard policies exclude losses or injuries resulting from high-risk activities, but you may be able to add an adventure travel rider or upgrade your plan and get covered for things like:
- Bungee jumping
- Mountain climbing
- Scuba diving
- Skydiving
- Snowboaring
- Free diving
- Bouldering
- Mountain biking
The list of activities varies by carrier and there may be limits on certain approved activities, like coverage for scuba diving that is limited to a certain depth.
What does adventure travel not cover?
Even the most generous insurance policy will exclude certain activities. Again, these will vary by carrier, but often include:
- Participation in professional athletics
- Sporting equipment damaged while in use
- If you travel against medical advice
- Pre-existing medical conditions without a waiver
- Injuries resulting from drug or alcohol use or intentional self-harm
Travel to certain destinations may also be excluded, including active war zones, sites of natural disasters and destinations the U.S. has issued travel advisories against, like North Korea and Cuba.
How much does adventure travel insurance cost?
Your insurance company is assuming more risk, so whether you choose add-on coverage or an upgraded plan, covering adventure travel is more expensive than a standard policy.
According to travel insurance comparison site Squaremouth, the average adventure travel insurance policy costs about $27 per day. For a 15-day trip, that works out to be about $408.
However, your exact cost will vary based on the activities you need to cover, your age, and how much coverage you’re getting.
Below, we compared the cost of a standard policy with one including adventure travel coverage for a 30-year-old visiting the United Kingdom for a week.
| Base price | Adventure sports package add-on | Total cost | |
|---|---|---|---|
| Faye | $126.67 | $7.60 | $134.27 |
| Travel Insured International | $133 | $16 | $149 |
| Berkshire Hathaway AdrenalineCare® | $103 | Included with base price | $103 |
| World Nomads Explorer Plan | $167.28 | Included with base price | $167.28 |
Adventure travel insurance FAQs
What does adventure travel insurance cover?
Adventure travel insurance covers high-risk activities most standard policies exclude, like sky diving and rock climbing. It can be obtained as an add-on to a traditional plan or as a specialty policy.
Does travel insurance cover skiing?
Skiing is covered by most travel insurance companies, although some include it with a basic plan and others require policyholders to purchase an add-on. Read your policy documents to see if it’s included automatically by your provider.
What activities are not covered by adventure travel insurance?
Each provider has its own list of excluded activities and approved activities may be restricted to certain elevations or depths. In addition, participation in professional athletics and injuries resulting from drug or alcohol use or from intentional self-harm are almost never covered.
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Why trust CNBC Select?
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. To research the best travel insurance companies, we compiled over 50 data points on more than 10 travel insurance companies. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.
Our methodology
To determine the best adventure travel insurance companies, CNBC Select analyzed more than 10 top providers based on cost, coverage options, add-ons, customer service, and the variety of activities and sports they cover.
We looked for companies that included adventure activities in their offerings, prioritizing those that included them in base policies. We also considered gear or equipment coverage policies and prioritized brands that offered high medical limits.
We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.
Based on these criteria, our picks for the best adventure travel insurance are:
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Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
A little-known peninsula, Río de Oro is flanked by Atlantic swells and a tranquil lagoon
It’s interesting what you notice when arriving at a destination by road – particularly the sand dune-flanked single carriageway that welcomes you onto the Río de Oro peninsula. For me it was the raw beauty. The sense of space and remoteness. The simplicity of the colours: cobalt blue sky, grey-tarred road, soothing beige sand.
This 25 mile-long peninsula is home to the Saharan city of Dakhla, long stretches of wild coast, empty beaches and an ocean lagoon.
It’s situated in Western Sahara, which the UN refers to as a “non-self governing territory”. Its status is disputed between Morocco and a local independence movement – but despite its ambiguous political status, the peninsula is not considered unsafe (check Foreign Office advice and coverage with your insurance provider).
It’s also easier to get to from Europe, with Ryanair recently launching direct flights from Madrid and Lanzarote.
On my first trip to the city – a four-day visit in 2023 – I flew from Agadir in Morocco, where I live. This time, though, I drove a 750-mile coastal route for a three-week stay.
A single road leads in and out of the peninsula and follows its eastern edge – the “inside”, from which Dakhla takes its name (dakhl meaning inside in Arabic). This “inside” is home to a shallow, tidal lagoon sheltered from the Atlantic swells that roll in on the west of the peninsula. It’s an otherworldly scene, often filled with colourful kites overhead, and sometimes flamingos. Traffic is minimal, unless you count the wild camels. On the southern tip is Dakhla, a city whose name is often used to refer to the whole peninsula.
Due to its natural shelter and consistent winds, the peninsula is popular for kitesurfing, wingfoiling and other wind-powered watersports. The climate is characterised by dryness, sunshine and wind, especially from May to September. Year-round, the Atlantic wind keeps it cooler than inland areas, with summer highs of around 27°C.
I’m not a kitesurfer, but I found other ways to experience the natural beauty, including a 4×4 tour to the White Dune. Arriving at low tide, we scrambled up, stopping to take in the lagoon views before sandboarding back down. I admired Dragon Island, a rocky isle that’s surrounded by the lagoon at high tide, from a distance – others kayak, sail and even swim to it.
Until recently, most tourists would stay at the camps dotting the lagoon shore, but there is a growing number of options in the city. The centre is a maze of construction, and is changing fast.
In the evenings, the dusty streets fill with an eclectic mix of Sahrawian women in lightweight melfha fabrics and men in blue Touareg robes, foreign businessmen and kitesurfers in sunglasses.
The sun, wind and activity left me with quite an appetite, which was fortunate, given Dakhla’s a paradise for fresh fish and seafood. One highlight was Tahla Mar, an oyster farm and seafood restaurant on the edge of the lagoon. In town, Le Marin Pêcheur, serves juicy king prawns, while Gladys, run by women who remembered me on each visit, offers great-value dishes (tagine was £4).
Days were spent walking my dog along the beaches and writing in cafes like Le Passage and Marh Coffee Roasters. At the small souk, which mostly caters to residents, I picked up Saharan tea and fabrics.
Back on the highway, I was grateful for having visited a place in its rawness, before the crowds arrive.
How to do it
Royal Air Maroc flies Gatwick to Dakhla via Casablanca; Air Arabia flies from Agadir or Casablanca; Ryanair flies from Madrid and Lanzarote. Hotel Fyndy has doubles from £25, B&B. Kite House has B&B doubles from £70. Lagon Energy has full-board rooms from £110pp. visitmorocco.com/en/travel/dakhla
Ways to Travel
Eddie Bauer Adventure Club, Launches A New Vacation Ownership Experience Combining Outdoor Adventure And Luxury Stay In Moab
Sunday, August 3, 2025
In a bold move set to reshape the vacation ownership landscape, Travel + Leisure Co. has partnered with Authentic Brands Group to launch the Eddie Bauer Adventure Club. This unique club blends vacation ownership with the growing demand for outdoor exploration. Set to debut in Moab, Utah, in early 2026, the resort will feature 39 luxurious one-, two-, and three-bedroom suites within a reimagined wing of the WorldMark Moab resort. The new adventure-focused club represents Travel + Leisure Co.’s strategic expansion into the adventure travel sector, creating a distinct opportunity for nature-loving travelers to immerse themselves in outdoor experiences while enjoying the comfort and benefits of vacation ownership.
The Launch of Eddie Bauer Adventure Club: A New Era in Vacation Ownership
Eddie Bauer, a brand synonymous with outdoor adventure and exploration, enters the vacation ownership industry for the first time through this exciting collaboration. Founded more than 100 years ago, Eddie Bauer has long been a pioneer in the outdoor space, inspiring countless adventurers to embrace the great outdoors with high-quality gear designed for performance and durability. This new chapter in the brand’s legacy builds on its commitment to outdoor experiences by introducing a vacation ownership opportunity that aligns with its ethos of adventure and connection to nature.
The Eddie Bauer Adventure Club offers a compelling alternative for today’s traveler, blending luxury accommodations with the thrill of outdoor exploration. As a member, owners will have exclusive access to curated outdoor experiences, from annual adventure excursions to curated recreation and nature-driven programs. In addition, owners will enjoy priority booking privileges at Eddie Bauer and WorldMark resorts, 50% discounts on Eddie Bauer retail purchases, and a subscription to authentic.com for two years.
This new offering complements Travel + Leisure Co.’s existing WorldMark by Wyndham product, providing a wider range of vacation options for travelers seeking to embrace nature-forward destinations. The company plans to expand this initiative to more locations in the future, creating additional resorts that focus on providing immersive outdoor experiences.
Exclusive Perks for Adventure Club Members
Eddie Bauer Adventure Club members will enjoy several exclusive benefits designed to enhance their experience. These include:
- Annual adventure excursions for two, giving members the opportunity to explore scenic landscapes and take part in guided outdoor activities.
- Curated on-site recreation and nature-driven programming, which will provide engaging activities for all ages and interests.
- Priority booking privileges across Eddie Bauer and WorldMark resorts, ensuring that members have the first pick for stays at some of the most popular vacation destinations.
- 50% off all Eddie Bauer retail purchases, allowing members to enjoy high-quality outdoor gear at a discounted price.
- A two-year subscription to authentic.com, offering access to exclusive content and promotions.
The club aims to foster a sense of community and connection among outdoor enthusiasts, creating a space where like-minded individuals can share experiences and build lasting memories.
A Growing Trend in Adventure Travel
The demand for outdoor experiences has skyrocketed in recent years, driven by a growing interest in nature-based travel and sustainable tourism. Adventure tourism has proven to be one of the fastest-growing segments in the global travel industry, with travelers increasingly seeking destinations that allow them to connect with nature while enjoying comfortable and unique accommodations.
The Eddie Bauer Adventure Club taps into this trend, offering a vacation ownership model that aligns with the values and desires of today’s adventure-seeking traveler. With its focus on nature-forward experiences and luxury accommodations, the club provides an innovative way for travelers to explore the great outdoors while enjoying the benefits of a premium vacation ownership product.
Travel + Leisure Co.’s Strategic Expansion
This launch represents a significant step in Travel + Leisure Co.’s ongoing efforts to diversify its brand portfolio. The company continues to expand its reach across multiple travel segments, tapping into high-growth areas such as adventure travel and sports-themed resorts. Following the success of its WorldMark by Wyndham product, the introduction of the Eddie Bauer Adventure Club demonstrates Travel + Leisure Co.’s commitment to evolving vacation ownership to meet the needs of a modern, active, and adventurous audience.
In addition to Eddie Bauer, the company is also preparing to launch its Sports Illustrated Resorts concept and has recently acquired the Accor Vacation Club, further enhancing its portfolio of vacation offerings. Travel + Leisure Co.’s strategic expansion includes plans for new resort locations in key markets that will cater to the increasing demand for immersive outdoor experiences.
Looking Ahead to Moab and Beyond
The debut resort in Moab, Utah, is just the beginning of what promises to be an exciting journey for Eddie Bauer Adventure Club members. The location was chosen for its breathtaking natural beauty and unparalleled outdoor activities, including hiking, mountain biking, and rock climbing. As one of the most popular destinations for outdoor enthusiasts, Moab offers the perfect setting for the club’s first resort.
Looking ahead, Travel + Leisure Co. plans to expand the Eddie Bauer Adventure Club to other prime adventure destinations across the United States, offering members even more opportunities to connect with nature while enjoying the exclusive benefits that come with membership.
Conclusion
The Eddie Bauer Adventure Club is an innovative new addition to the vacation ownership landscape, providing a fresh and exciting way for travelers to experience the outdoors while enjoying luxurious accommodations and exclusive perks. With its focus on adventure and nature-driven experiences, the club is poised to appeal to a new generation of travelers who seek both adventure and comfort in their vacation experiences. As the first resort in Moab prepares for its 2026 debut, it’s clear that this new initiative will mark a transformative step in how vacation ownership integrates with the growing demand for outdoor exploration.
Travel + Leisure Co.’s partnership with Eddie Bauer to create this adventure-focused resort concept signals the company’s dedication to expanding its offerings in the adventure travel space. As this initiative continues to evolve, it will no doubt play a key role in shaping the future of vacation ownership and outdoor tourism.
This is summer here on the Island. A busy time of year for the tourist industry.
The Island is still a popular destination, despite the eye-watering price of the ferries.
The sea is bright with toys, gaudy swim rings and noodles, body boards, small inflatable boats and paddle boards.
All are available to buy at beachside shops and supermarkets. Just inflate and you’re ready for fun.
Sorry to bring a dampener on this happy scene, but just how many of us are aware of water safety?
Some of the main beaches offer lifeguard services during the holiday season, although the more remote areas often don’t.
Observing beach safety warnings such as the red flag system, advising when and where it is safe to swim, is common sense.
The warnings are there precisely because it is unsafe to swim. Rip tides, hidden rocks, deeply shelving beaches can easily turn a refreshing dip into a job for the emergency services.
Also, that time you spend in the local pool isn’t always a precursor to being confident in the sea.
Swimming in a pool is vastly different to swimming in the sea.
Anyone planning leisure time at the beach should be aware of some simple guidelines, especially if there are young kids involved; check the tide times, especially if rock pooling.
If out on lilos, paddleboards or similar, check the weather – a brisk wind could easily sweep a youngster out to sea.
A holiday is a great opportunity for us older folk to try our hand at paddleboarding or kayaking. It looks simple and makes for amusing selfies to show friends.
Take a lead from the more experienced at this sport; get yourself a lifejacket, or Personal Flotation Device – ‘just in case’. Learn the RNLI ‘Float To Live’ technique.
I don’t want to scaremonger or detract from having fun and relaxation.
However, no-one wants to be involved in or witness an accident on the water.
Many locals are respectful and aware of the power of the sea and its unpredictability. Smooth as glass one minute, choppy and wayward the next.
Unfortunately, not everyone is lucky enough to live near the sea and therefore realise the strength and power it has.
Both the RNLI and the Independent Lifeboat services offer, for free, advice and safety checks on equipment such as lifejackets. They are there if you get into difficulties. Whatever the sea conditions, they are always on call 24/7.
However, we can help them by making sure we are as responsible as possible when in the water.
There is information available through websites, leaflets and the IW Council’s own page. It is up to the individual to access it.
How awful for a hard-earned holiday to end in disaster because basic safety measures were ignored.
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