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Does Travel Insurance Cover Adventure and Extreme Sports? – Forbes Advisor – Forbes Advisor

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Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors’ opinions or evaluations.

Plenty of adrenaline junkies get their fix from popular vacation activities like scuba diving and bungee jumping. Travel medical insurance could come in handy for such exploits, yet most standard travel insurance policies won’t cover them.

Though travel medical insurance can help you save money and secure healthcare while overseas, don’t expect it to cover costs associated with high-risk activities. If you’re a fan of adventure sports you’ll need a travel insurance policy that lets you buy an upgrade to cover thrill-seeking activities or that already includes coverage as an extra benefit.

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5 Exploits Likely To Be Excluded From Travel Insurance

Before you jump out of a plane or ski off into the deep powder, read your policy’s fine print or double-check with your travel insurance agent about the details of your policy. The list of excluded activities can vary from one travel insurance policy to the next.

But as a preview, here are five daring—yet fairly common—activities that standard travel medical insurance policies aren’t likely to cover.

Skydiving

Leaping out of a plane may not be everyone’s idea of fun, but it has its dedicated fans. In 2024, an estimated 42,000 United States Parachute Association members performed 3.9 million jumps in the U.S.

Skydiving fatalities occur in fewer than 1 per 100,000 cases, and serious injuries requiring hospitalization in fewer than 2 per 10,000 cases, according to a report published by the National Library of Medicine.

Scuba Diving

Approximately 2.5 million scuba divers went diving in the past 12 months in the United States, according to a 2024 Diving Equipment and Marketing Association report. That’s slightly more than the entire population of Houston. Even as new technology and regulations improve safety, scuba diving still isn’t without risks.

The Divers Alert Network reports that there are 1,000 diving-related injuries annually, and over 10% of those are fatal. You’ll probably need to get specialized insurance if you plan to scuba dive on your next vacation.

Even snorkeling, which doesn’t require high-tech gear or any certifications, may not be covered under standard medical travel policies.

Mountain Climbing

There’s no standard set of risks for mountain climbing, but that doesn’t mean your insurance company will give you a pass. While some hikes may be no more dangerous than walking down your neighborhood sidewalk, others require expert skill and technical gear. Many things can go wrong on a mountain, from falling rocks to steep descents and heat- and altitude-related illnesses. That’s why some travel insurance policies exclude injuries from climbing.

Bungee Jumping

Bungee jumping is an adrenaline-spiking activity that just about anyone can do. It doesn’t require special equipment or even training—just the courage to make the leap and trust the thick elastic cord. Fatalities are rare, but due to the cord’s forceful snapback, injuries to eyes, neck and spine can occur. You will probably have to buy additional insurance coverage.

Backcountry Skiing or Snowboarding

Skiing or snowboarding outside of designated or marked trails–also known as backcountry skiing–is usually excluded from most travel medical insurance policies. At some resorts, backcountry skiing is punished by the confiscation of lift passes. In the powder, hidden rocks or fallen trees can lead to falls or collisions. A major cause of injury and fatality is avalanches.

Who Sells Adventure Travel Insurance?

World Nomads specializes in policies for the adventure enthusiast. It sells three policies that include coverage for hundreds of sports and activities: Its Standard plan covers 250 activities, the Explorer plan covers 300 and the Epic Plan covers 340.

Many other travel insurance companies offer coverage for extreme or high-risk activities as an upgrade you can add to a base policy (at an additional cost). Other policies include coverage.

Here are examples of other travel insurance policies that can cover adventure sports and activities.

What Does an Adventure Travel Plan Cover?

In addition to adventure sports, an adventure travel insurance policy will cover pre- and post-departure problems that are out of your control, just like any other travel insurance policy. You’ll be compensated according to the specifics in the policy.

Typically, travel insurance covers the following:

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Adventure Travel Insurance Frequently Asked Questions (FAQs)

Will my health insurance plan cover adventure travel activities?

Your own health insurance might provide the necessary coverage. Some U.S.-based health insurance plans cover emergency care when you’re traveling internationally, regardless of the reason for the injury or illness. But in other cases you need a travel insurance policy to cover medical expenses outside the U.S.

If you’re traveling within the U.S., your health plan will typically cover medical treatment if you get sick or injured. But if you get care outside of the plan’s provider network, you may still wind up paying a significant amount for your treatment.

What should I do if I can’t find travel insurance to fit my activity?

Check with World Nomads first. If you can’t find a travel insurer that covers your specific activity, you may need to buy specialty insurance. For example, DiveAssure sells scuba insurance policies that provide medical coverage of up to $750,000 for dive accidents and up to $5,000 for lost diving equipment. If you’re renting an aircraft or piloting a small plane during your trip, you might want to consider aviation insurance.

Are the same adventure activities excluded from most travel insurance policies?

The list of excluded adventure and extreme sports can vary among travel insurance policies. That’s why it’s best to review the details or ask the travel insurance company what types of activities are not covered. For instance, one policy may allow scuba diving down to a certain number of feetr, while another may not cover scuba diving at all.



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Ankle Pain, Thieving Birds, and Mild Falls: PCT Days 82 to 85

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Leaving the motel room where I’d rested the past 3 nights felt a little sad but I wanted to be moving again. I grabbed a sandwich for lunch and another for the road from a cute deli nearby too. This did mean I got to the trail a little late though, roughly 2:30. My stupid ankle was hurting again now and it made the walk fairly unpleasant. I got to Red’s Meadow where I’d heard they were serving ice cream but it was the evening now and it looked like they had closed down for the day. My mood already low and not wanting to pay for camping, I continued onward instead, forgetting that they also had a hot spring.

Clouds were pretty though.

I ended up finding a tiny tent site nearby Sotcher Lake and grumpily set up there. Lesson learned here; try not to spiral. My ankle hurting led me to skip past Red’s Meadow which meant I missed the hot spring there.

Day 83: Uneventful Days

The night was cold and I slept in then had a slow morning. My pack was heavy and I was moving slowly which, combined with getting out of camp late, limited my miles today; I barely did 12. I ate lunch at a campground and had to scare away an particularly industrious Stellar’s Jay who kept trying to get to my food. I respect the effort but this food is for me, little bird.

The thief’s mugshot.

The rest of the walk was largely uneventful. The entire day was one long but thankfully gradual uphill and the views of the valley and surrounding mountains only got better. I continued to churn through audiobooks as they were kinda the only thing keeping me going. I ended up making camp on the side of a mountain with a gorgeous valley below. It was surprisingly well-sheltered for being up on a ridge. I ate dinner staring out at the snowcapped peaks and the trees and lakes below.

The lakes on the other side of the canyon looked very inviting.

Day 84: Donohue Pass; Into Yosemite!

The night was again cold and I was glad my habit of stuffing my water filter into my sleeping bag had stayed so consistent this trail. For the curious, our water filters are vulnerable to freezing. If the water inside turns to ice it will expand and compromise the filter in a way that is almost undetectable. Usually this is only a risk at night thankfully so simply going to sleep with it usually means it will stay warm.

A rather shy marmot.

The morning was fairly unremarkable as I walked to the base of Donohue Pass, save for Thousand Island Lake which was absolutely gorgeous. I met a hiker called Trooper there before taking my lunch and nap. Afterwards I began the climb and while going up I began to hear distant thunder. It remained distant thankfully which was a very good thing as I was well above the tree line and with limited places to take cover. The numerous marmots showed no fear of course; must be nice having a hole you can retreat to. Thankfully there was almost no snow on the ground so although the ascent was steep it did go quickly.

Thousand Island Lake is crazy pretty, I gotta come back here at some point.

As I reached highest point and crossed into Yosemite National Park snow flurries started and the thunder suddenly got louder. I could see it was raining a few miles ahead in the valley below. Wanting to get below the tree line in case the storm turned my way, I hustled downhill, the fast speed also helping to keep me warm on a day that had turned quite cold. The snow intermittently fell all the way down though it was thankfully mild. There were many JMT hikers around again too.

The other side of the pass looked quite a bit stormier.

While descending on a gravely switchback, my shoes suddenly lost traction on the rocks underneath me and before I knew it I was falling. Falling backwards thankfully, not forwards or to the side down the mountain. I cried out in expectation of the painful impact of my butt on the earth but to my surprise it never came. Sitting there I realized my pack had cushioned the fall almost completely, turning a bone-jarring jolt into just a bit of a jerk to my hips. Thank you, backpack.

I camped that evening in Lyell Canyon, enjoying the gorgeous meadows surrounded by the sharp canyon walls. Remembering my fall, I inspected my shoes and discovered that the tread was seriously worn down. The shoes it seemed were near their end of life and I suddenly realized that they were probably contributing to my ankle irritation now that they could no longer provide sufficient support. Clearly new shoes were in my future.

Day 85: Burgers in Tuolumne Meadows

The day began with a nice, gradual downhill through beautiful meadows. I passed many JMT hikers but started to see more and more day hikers as I approached Tuolumne Meadows. Suddenly, the trail joined with a well-paved road and I abruptly re-entered civilization. Cars were passing, tourists were walking about goggling at the sights, and at least two groups of deer were practically posing for photos.

I reached Tuolumne Meadows Grill right at lunch time. The hunger was in full swing and I consumes two burgers, fries, a salad, and a soda while my electronics charged. It was reasonably priced too, a surprise for such a touristy area!

The mountain vibes are different in Yosemite.

I headed out around 3, quickly running into Myles and Swing Set who I’d met in Mammoth. We hiked together past multiple waterfalls and vast views. Yosemite felt noticeably different than the previous stretch of the Sierra; the mountains felt lower but rocker somehow. I camped that night at Glen Aulin High Sierra Camp, quite close to the base of Tuolumne Falls. I was still full from those lunch burgers too so slept early.

Trail Stats:

Catholes: 28

Stops to filter water: 117

Resupplies: 14

Hitches: 15

Zeros: 15

Crys on trail: 12

Blisters: 12

Gear repairs: 19

Miles Skipped: 212.3

Significant Water Crossings: 75

Falls: 1

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Iran Now Joins The UNWTO Top 20 Global Tourism Destinations, Showcasing its Strong Recovery and Growing International Appeal Made Through Heritage, Culture, and Strategic Reforms

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Sunday, July 20, 2025

Sitting, now, among the top 20 tourist destinations, for the first quarter of 2025 according to the latest figures released by the United Nations World Tourism Organisation (UNWTO). This is a milestone that marks how far Iran has come in tourism aspects, a testament to a maturing policy environment, sector resilience and improved global perception as a safe, culturally rich and diverse travel destination.

Tremendous Increase in International Tourism Arrivals

One of the highest growths in the region, as UNWTO publishes first World Tourism Barometer of the year According to the UNWTO report, international tourist arrivals to Iran increased from 4.9 million in 2017 to 7.3 million in 2018, the best growth amongst the 40 most visited countries in theos world. This significant growth has been thanks to several strategic measures such as efficient government planning, huge growth in infrastructure and proactive attempts to give a positive turn to the country’s global image.

That increase in the number of visitors not only reflects the country’s natural potential for tourism but also reveals how it has successfully dealt with historical misinterpretations. The strong numbers reflect Iran’s dedication to welcoming international tourists alongside the country’s ever-expanding number of historical attractions, diverse landscapes, and a rich cultural heritage, while also serving as a testament to the world’s proclivity to see past political headlines and to not confuse individual people from a country with wider… political issues.

Strategic Initiatives Driving Tourism Development

Given this focus on digital engagement, Iranian tourism officials have undertaken a complete digital overhauling. Key features of the Trust’s programme is the programme is the next step for the Trust in using advanced audience insights to create personalized, engaging web experiences. Future developments are set to include an interactive travel guide aimed at enthralling prospective tourists with Iran’s long history, rich culture and beautiful scenery, using rich multimedia to tell the country’s story.

What’s more, tapping into social media has become a key prong of Iran’s tourism approach. By leveraging local storytelling and genuine stories, India aims to strike a chord with the world, i.e., ‘A chord is struck when the world connects with such stories, enabling a room for genuine interest and curiosity for potential travellers’.

Focused Efforts in Strategic Branding

Iran’s tourism ministry is also involving homegrown and foreign professionals to make riveting multimedia content. The purpose of this branding campaign is to elevate the visibility of Iran on international stages and introduce to the world the unparalleled attractions of this country. Local talent meets global branding know-how: Iran has set itself up to draw in a wide spectrum of global travellers, ensuring steady tourism growth.

Infrastructure and Access: The Foundations of Tourism Development

Improvement of the infrastructure has also contributed to Iran’s success in tourism. Excellent transportation systems, accommodations, and guest facilities have made tourism easy and comfortable. Such developments have been instrumental in helping Iran emerge as one of the hottest destinations in the world, providing the facilities of accessibility and comfort for the world travelers.

The powerful part of Iran experience is the wide range variety of cultural heritage you will find there. With its historic legacy (The ruins of Persepolis and Isfahan’s cultural and architectural splendor) and various and complex landscapes of deserts, mountains and coastlines, the country offers a wide range and variety of experiences for adventure-seekers. “Promotion of different aspects of Iranian tourism has been highly effective in promoting the country as a global tourist destination. However, by pushing these features using targeted marketing, this has helped to greatly increase Iran’s overall tourism profile globally.

Economic and Social Impacts

Rising tide of international tourists Having thousands of foreign visitors adds up significantly to the country’s economy and welfare. Tourism plays a role in driving local economies, supporting jobs and fostering cultural interaction. Such enhanced interaction would not merely lead to more economic welfare, but also pave the way for greater global knowledge and respect for Iran’s unique culture and past.

Future Prospects: Sustaining Momentum for Tourism in Iran

In the future, the further development and expansion of Iran’s tourism industry will depend largely on ongoing policy innovation, effective marketing, and investment in infrastructure. The country’s success in being an early adopter of digital platforms, strategic branding and authentic storytelling will become essential in sustaining the winning momentum.

The fact that Iran is considered one of the world’s most sought after tourism destinations is an important step in globalizing and diversifying the economy. The list of winners is our place at the top 30! We believe that if we take advantage of this win, we can make Iran Muslim Friendly Destination as a more popular place among tourists in the world for the next years.



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Day 74: Recovering From the Heat Dome

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  • Hightower Parking Lot (908.8) zero at Country View Lodging, Elkton, VA
  • 0 feet ascent, 0 feet descent 

We assessed the heat damage. It was not inconsequential. Three days hiking in 100 degree weather had taken its toll. I was covered in heat rash, some so bad I could not move without pain. The Historian was feeling very weak. We both felt hot to the touch, even after an overnight sleep in an air conditioned room. 

We decided it would be unwise to go back out to try to hike. Heat exhaustion is real and can be dangerous. We didn’t want to end our hike or put others at risk if we needed help. Hike Smart. The sign at the beginning of the Shennandoah told us that. We smartly requested another night. The heat was supposed to peak today. 

Our Kingdom for the Day

Our room was delightful. We had two double beds, one to sleep on and one became the continent for pack explosions. 

It was a luxury to be able to sort our resupply and rumage through our gear without bending over. 

We Even Have a Kitchen 

We did not expect a kitchenette but there was one. We availed ourselves of all its glories.

The Historian braved the heat to get ice from the office. After giving us “water with treats,” he put the ice bucket in the freezer. Clever man. We had ice all day. 

Water with Treats

I should explain what water with treats is. We dream of it on the trail and discuss it often. We had a dog who loved ice cubes out of the refrigerator door. She would sit below the fridge and stare longingly after ice dispenser, I suppose dreaming of an opposable thumb. We were careful never to let her see how it worked when we offered her “treats”. Over time, she trained us to give her ice cubes in her water, aka “water with treats.”

In the heat we guzzeled warm water from our bottles dreaming of it having treats. Today, we had water with treats.

Grocery Delivery

We had leftover pizza for breakfast. By second breakfast we wanted real food. After last night’s 1 1/2 hour delivery saga of right room number, wrong hotel, we were concerned. 

I also needed more medicated powder for my heat rash. Quite by accident, I discoved the grocery store had delivery. We could get our chores done without leaving the confines of our Kingdom for the Day.

I filled our shopping cart and took a lot out. Finally, I was satisfied. Not too much but plenty of what we wanted. 

 

The groceries arrived flawlessly. Our shopper had called to see about apples. They were only available in 3 pound bags. I asked her if she could use the extra apples and she said she could. We took three for us, plenty to carry and gave her the rest. It was a good compromise. 

Our Main Meal 

I rehydrate our home dehydrated pork with green tomatoes. We added this to a salad. It was so very satisfying. 

We feasted on wet food all day. The watermelon and other fruits were particularly satisfying. After days of poor calorie consumption due to the heat (except for our wayside affair!) it was good to be able to eat and not be nauseated. 

ET Call Home

When I was on the trail in 1975, we communicated by letter mostly. When I came to town, I would look for a phone booth and call family collect. We had to keep the calls short as they were very expensive. If I remember correctly, it was about a dollar a minute. Calls were interrupted by a human operator at 3 minutes to remind you how much money you were spending. 

Now days, the most common association with pay phones is the Tardis from Dr Who.

The motel had a real, working payphone! 

We did not call home on the pay phone, but we did take time to communicate with family. The support and love of family has not changed since 1975. 

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To learn more, please visit the About This Site page.





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