Destinations & Things To Do
Does Travel Insurance Cover Adventure and Extreme Sports? – Forbes Advisor – Forbes Advisor
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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.
Destinations & Things To Do
Walking in Solitude – The Trek
Where does your mind go when there is no one around to chat with (Even no electronics)? Have you ever spent days without even your music? It was a quiet few days on the trail…..
When I have hiked other long trails, I’d often see other hikers or camp with them . At this time of year on the CDT, there are not many people around.
More Angels and Connections!
I enjoyed my trail angels, Denny and Stacy so much! We met them two days before when three folks on horses surprised us on the trail. We chatted for a few moments only to find out that the third horse rider was someone from Chattanooga! We had never met before but have many mutual friends. I then asked Stacy and Denny if they could perhaps give me a ride back to the trail on Saturday. Instant friends. Turns out one of my favorite angels of the CT, Sheriff Phil Leggitt from Creede, was a good friend of theirs too. Full Circle.
Solo
When I got back on the trail, I saw lots of day hikers. Arrived at Rock Lake with just enough time to set up a shelter before a huge storm hit: rain, lightning, hail, and the biggest graupel I’ve ever seen. These marble sized snowballs started hitting my tent and I thought they would go right through! Good old Durston X Mid protected me from another storm!
I wanted to get a few more miles in so I continued hiking after the storm and met a very curious deer at my next campsite. For the next five days, I only saw one couple early Sunday morning. I did see a beautiful herd of elk, just mamas and babies who were talking to e each other through many different vocalizations . Simply beautiful. I also had a hilarious encounter with a whistle pig (marmot) who decided to come investigate this intruder (me) very closely. I didn’t think he’d like my chicken curry so I scared him away when he got within arm’s reach. Their run seems more of a waddle to me. He made me laugh! However, I wasn’t so sure he wasn’t going for reinforcements, so I prepared my camp for a marmot coup that night. It never materialized, whew!
As a naturalist, my brain also asks questions about rocks, especially as I walked in and out of volcanic rocks as well as the adaptations of wildflowers. The bluebells look like streams coming down the hillside, usually leading to water!
Slow and Solo
When you hike as slowly as I do, distance between water sources and long exposed alpine areas become even more important considerations. My trail angel Darrow asked what I do about storms above treeline. Some suggestions:
Learn your clouds and watch their movement and formation.
Pay attention to the wind and when it starts hitting you in the face, some kind of storm is coming.
Always have a bailout plan to get off the ridge and be willing to use it!
Oh it is so frustrating to get almost to the top of the ridge and start hearing thunder and watch a storm head your way.
Water sources: don’t pass up a good source when your next option is over five miles away. I once passed a source for a solid one a mile up the trail. It was dry. Luckily, some snow banks were still accessible and my Very Cold CNOC bag full of snow felt great on my head!
Besides, so many wildflowers love the water, so enjoy them!
As Bob Gnarly, the wise, also said, “That’s what I love about long distance hikers. They just deal with what arises and figure it out.” We just deal with it and go on enjoying trail time!
Gear Update
Oboz Sawtooth II : I need more support for my old feet and I absolutely love the fit of these Oboz boots. I credit my friends at Rock/Creek Outfitters in Chattanooga for introducing me to this brand. I wear the non waterproof version so they will dry faster. They are doing great over this varied terrain! I use Injinji liners and Darn Tough wool socks….. great foot care team!
Durston XMID tent: I love the option of its quick set up during an approaching storm with enough room under the tarp for two! The big vestibules are very handy for preparing for impending marmot invasions! Love this tent!
PS I still haven’t seen a moose! Maybe soon? But in the meantime, I managed to upload the funny video Katie and I did!
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Destinations & Things To Do
Halfway There! A PCT Trail Check In
We hit the midpoint of the Pacific Crest Trail a few days ago—woohoo! That means we’ve got roughly 1,300 miles left to go. This post is a reflection on the journey so far: what we’ve learned, what’s surprised us, and what we’re expecting as we (hopefully!) make it to Canada.
Food
Food is everything on a thru-hike—it’s our fuel, our reward, and often our main motivation. One of my biggest fears before starting the trail was not being able to find gluten-free food in town. I only sent one resupply box ahead, and I’m so glad I didn’t send more. I’ve consistently been able to find safe food, even in smaller towns.
In bigger towns, places like Grocery Outlet and Walmart have been amazing for gluten-free resupply options. In smaller towns, I’ve had to get a little more creative, but I’ve always managed to piece something together.
Some of my favorite gluten-free trail foods so far:
• Walking Tamales
• Instant refried beans
• Ready-to-eat rice packets
• Thai Kitchen noodle soups
I’ll occasionally splurge on a dehydrated meal, but they’re pricey, so I try to keep that to a minimum. I’m optimistic that I’ll be able to keep finding good options as we continue north.
I’ve also learned a lot about how much I need to eat. I haven’t lost too much weight, and I’d like to keep it that way—eating enough calories every day can definitely be a challenge. Protein is a big priority for me, so I eat a lot of protein bars. When I’m in town, I try to eat whole foods—salads, fruit, and anything fresh. That said, if there’s gluten-free pizza, I’m getting it.
Gear
Overall, I’ve been really happy with my gear and haven’t had to make too many changes. (You can check out my original gear list if you’re curious!) We had some issues with our tent zippers, but the manufacturer sent us a refurbished tent and it’s working great now.
My favorite piece of gear? Definitely my Big Agnes Rapide SL sleeping pad. It’s not ultralight, but it’s so comfortable compared to other pads I’ve used in the past. I also still love my ULA Circuit pack—it’s been super durable. I might try a different pack after the trail just to experiment, but I’ve been really happy with this one.
Lessons Learned
• Most people are kind.
In regular life, I tend to keep my guard up around strangers. But out here, I’ve been reminded again and again that most people really do want to help. Whether it’s hitchhiking, meeting trail angels, or connecting with fellow hikers, the kindness of strangers is a huge part of the trail experience. That said, I still trust my gut—if something feels off, I listen.
• I’m strong.
I never really thought of myself as athletic… but I think I am now? I’m in the best shape of my life—hiking 20+ miles a day is normal. More than just physical strength, I’ve also grown mentally stronger. Sure, I’ve cried probably 50 times out here, but I’ve made it through some seriously tough situations (like that lightning storm in the Sierras). My go-to mantra during hard moments: “This is only temporary.”
• Listen to your body.
Everyone hikes their own hike. Just because someone’s going faster doesn’t mean you’re doing it wrong. I’ve learned to find balance—sometimes you need to take a break, and sometimes it feels good to push yourself.
What’s Next
California is huge, but we’re so close to crossing into Oregon! Chowder and I have decided to try picking up the pace—we’re aiming to avoid taking zeros until we hit Oregon, and we’re working on increasing our daily mileage.
I’ll continue to blog as we go, and I just want to say thank you to everyone following along and cheering us on. Your support means the world to us!
This website contains affiliate links, which means The Trek may receive a percentage of any product or service you purchase using the links in the articles or advertisements. The buyer pays the same price as they would otherwise, and your purchase helps to support The Trek’s ongoing goal to serve you quality backpacking advice and information. Thanks for your support!
To learn more, please visit the About This Site page.
Destinations & Things To Do
Let’s Talk JMT – The Trek
Well, well, well section 2 has begun.
Day 7: (Day 6 was a nero, where we finished our resupply in Bishop and made our way back to the Onion Valley trailhead. We just hiked a couple miles in the evening.)
We got up and my watch was successful at waking me up at five, probably because it was not cold. We hit the trail and started back up Kearsarge Pass and then I practically ran down it! We hiked for a little while and then got to a pass named Glen Pass. We hiked for a little more. Then we had lunch.
I had bread with ghee and Nutella. Mom had bread and tuna and Truck had a meat wrap.
We all took turns dipping in one of the Rae Lakes we ate next to then Truck fell asleep, basking on a big rock and woke up with a sunburn. The Rae Lakes were really beautiful!
We walked and walked some more. I have been telling myself a story all day to keep me going. When we got to camp LSL and I went down to the creek to find water and when we came back Truck-in-muck had made me a quesadilla. Today’s difficulty rating: 💪🏼 💪🏼
Day 8:
We woke up and I had peach cobbler for my breakfast. We hiked over Pinchot Pass in the morning and then Mather Pass in the afternoon. LSL says doing two 12,000 foot passes in 90 degree heat with no shade feels like a lot. She was kind of out of her mind on top of Mather. I am doing an overview because it would be too long to write everything out.
Difficulty rating: 💪🏼💪🏼
Day 9:
LSL didn’t want another taste of an afternoon pass, so we hit the trail by 5 am to head for Muir Pass. After hiking down for quite a while, we started the 11 mile uphill climb to Muir Pass. It felt like an insanely, incredibly long ascent. We finally made it to the top of the pass and got to relax in the stone hut on top. The hut was cool. If you come through look for my name in the logbook for July. And of course, the difficulty rating is 💪🏼💪🏼💪🏼💪🏼💪🏼
Day 10:
After Muir Pass yesterday we camped a few miles below the top. Today we went down for 16 miles. I feel bad for the SOBO hikers. 😢 Then up we went up for 3 1/2 miles in the afternoon sun and camped a few miles before Selden Pass. difficulty: 💪🏼💪🏼💪🏼💪🏼
Day 11:
We got up at 3:30 in the morning and left by 4:30 in the morning. My mom was determined to get us to the afternoon ferry to VVR and we had 19+ miles to cover. Mother Trucker said to her “you’re running down the trail like it’s on fire!” 🔥 We got to the ferry at about 1:30 with a couple hours to spare and Truckee made me quesadillas while we waited. You can imagine he teased my mom about getting us up so early.
We also met some cool hikers going to VVR, including two chicks that are newly out of college named Willow and Lucia. We also met a dad and his two sons, who are 16 and 18 attempting the JMT for a second year in a row. In a later post you will be hearing about an interview I did on the two sons (Brody and Adam.) Our boat captain was really nice. We made it to VVR in the late afternoon and my next post will describe it more. Difficulty rating: 💪🏼💪🏼💪🏼
All in all this section has been pretty difficult due to the passes and the heat, but it has been insanely beautiful!
This website contains affiliate links, which means The Trek may receive a percentage of any product or service you purchase using the links in the articles or advertisements. The buyer pays the same price as they would otherwise, and your purchase helps to support The Trek’s ongoing goal to serve you quality backpacking advice and information. Thanks for your support!
To learn more, please visit the About This Site page.
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