If you are heading overseas to climb mountains, explore off-piste slopes, surf challenging waves, dive, trek remote trails or take on cycling tours you should consider appropriate travel insurance. These types of experiences often carry a higher level of risk than standard insurers are willing to cover. As a result, you may find them excluded from standard travel insurance schemes.
For more than 25 years, we have arranged specialist sports life insurance, income protection and critical illness cover for those involved in hazardous sports and occupations. One of the most frequent requests we receive is for travel insurance that reflects the same reality.
To meet this need, we have teamed up with travel insurance experts PJ Hayman to provide you with an adventure sports travel insurance option that is built around the activities you take part in.
What Is Adventure Sports Travel Insurance?
Adventure sports travel insurance from P J Hayman offers cover options for over 400 sports.
Find out more about cover for medical and emergency expenses, specialist activity equipment, cancellation, personal possessions and more on the link below.
Cover is designed for situations where standard travel insurance may not apply, particularly when your activities involve sports.
Cover is arranged through specialist travel insurers P J Hayman and will vary depending on activity and destination. Consult their current policy for their latest cover options for:
- Medical & Emergency Expenses
- Personal Accident Cover
- Specialist equipment
- Trip cancellation or curtailment
This type of cover can be suitable for people who know standard travel insurance is unlikely to reflect the risks involved in their plans. If your trip is built around adventurous activities, such as, climbing, skiing, surfing, diving or trekking then specialist travel insurance could offer protection that is more closely matched to the activities you are undertaking. Follow the link below to see all the current sports that can be covered and the benefits available.
Why Standard Travel Insurance Often Isn’t Enough
Standard policies usually exclude activities such as:
- Rock climbing
- Skiing and snowboarding
- Off-piste sports
- Surfing
- White-water rafting
- Scuba diving
- Paragliding
- Mountain biking
Even when activities are guided or pre-booked, exclusions can still apply. Without appropriate cover in place, travellers may face significant medical costs abroad or be responsible for arranging and funding their return to the UK.
Who Needs Adventure Sports Travel Insurance?
Travel insurance is important for anyone heading abroad to take part in high-energy, high-risk or fast-paced activities. Many types of people can benefit from appropriate travel insurance, such as:
- Travellers planning a trip focused on adventure sports
- Adventure sports enthusiasts (e.g., climbers, surfers, skiers, divers and trekkers)
- Active holidaymakers
- Solo travellers exploring remote or challenging environments
- Groups travelling for guided adventure activities
- Those taking extended trips centred around sport
If the main purpose of your trip involves physical risk, specialist travel insurance is important for you.
What Insurers Consider
To arrange suitable cover, insurers may ask for information such as:
- The specific activity or activities you’ll be taking part in
- The geographic locations you are travelling to (e.g. UK, Europe or Worldwide)
- Whether you have any pre-existing conditions
- The length of your trip
- Whether you require short term or an annual policy
This helps ensure your cover reflects your needs and the actual risks involved.
How Sports Financial Services Fits In
Alongside specialist life insurance, income protection and critical illness cover that Sports Financial Services offer, we work with PJ Hayman to give our customers access to travel insurance options that align with their activities. This approach means that you can consider your long-term financial protection and your short-term travel cover at the same time.
The PJ Hayman Adventures scheme offers:
- Cover for over 400 sports and activities
- Single trip and annual multi-trip options
- Individual and group policies
- Cover for work abroad and activity holidays
- Access to medical and emergency assistance services
You choose the cover that suits your trip and deal directly with P J Hayman.
Frequently Asked Questions
Many high-risk and extreme sports can be covered; however, cover depends on the insurer and your plans. Enquire today about the cover options for climbing, skiing, surfing, diving, rafting and many other adventurous pursuits.
Enquire today about the options for emergency medical care, hospital treatment and repatriation to the UK if needed.
Enquire today about cover options for sports equipment against theft or loss.
Sports travel insurance is available for solo travellers, although you may be asked for additional details about your plans.
Find Out More
If you are planning an adventure or sports-focused trip abroad, travel insurance should reflect the activities you are actually doing.
You can find out more about adventure sports travel insurance through PJ Hayman using the link below. If you contact them by phone, please let them know Sports Financial Services referred you.
Alternatively, if you would like advice on life insurance, income protection or critical illness cover linked to your sport or lifestyle, our team is always happy to help.