Do You Know Whether Your Travel Insurance Covers Popular and Extreme Sports? - The Independent Singapore News (2022)

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With travel restrictions finally easing up, are you thinking of rewarding yourself after the past few years of hard work and taking a trip to anywhere in the world? Whether you are crossing the border to JB, hopping on a ferry to Bintan, or flying in the skies to visit a country further away from our sunny abode, one thing is of greatest priority – your safety. And this is especially important if you are an adrenaline junkie and adventurer at heart. Do any travel insurance plans offer you the protection and coverage you need while partaking in these thrilling and adventurous activities? Some certainly do.

Do You Know Whether Your Travel Insurance Covers Popular and Extreme Sports? - The Independent Singapore News (1)

With travel restrictions finally easing up, are you thinking of rewarding yourself after the past few years of hard work and taking a trip to anywhere in the world? Whether you are crossing the border to JB, hopping on a ferry to Bintan, or flying in the skies to visit a country further away from our sunny abode, one thing is of greatest priority – your safety. And this is especially important if you are an adrenaline junkie and adventurer at heart. Do any travel insurance plans offer you the protection and coverage you need while partaking in these thrilling and adventurous activities? Some certainly do.

What Kind Of Activities Are Covered By Travel Insurance?

1. Popular Activities

Do You Know Whether Your Travel Insurance Covers Popular and Extreme Sports? - The Independent Singapore News (2)

Let’s admit it, in the great wilderness abroad, there are so many fun things to do and amazing sights to behold – it would be a waste not to go ahead and explore. More importantly, there are just so many adventures to embark on, and everything always seems more thrilling and fun when you’re not in Singapore. If you are travelling overseas to look for these activities that can only be partaken there, due to their huge areas and natural capacities, you may want to find a travel insurance plan that gives you the necessary protection.

Travel Insurance

Tiq SavvyFWD BusinessDirect Asia 200
Hiking/Trekking Covered up to 3,000mHiking/Trekking Covered up to 3,000mHiking/Trekking Covered up to 1,500m or 4,000m (extra cost)
Hot Air BalloonHot Air BalloonHot Air Balloon
Hang GlidingSkiingHang Gliding
ParachutingScuba DivingRock Climbing
Scuba Diving (Above 30 metres)Rafting

2. Sports Equipment Coverage

Do You Know Whether Your Travel Insurance Covers Popular and Extreme Sports? - The Independent Singapore News (3)

Due to the limited land and size capacity in Singapore, some sports and activities are not quite feasible for dwellers of our sunny island. Hence, for lovers of sports such as water sports and golf, travelling overseas to participate in them would be the most ideal and provide you with a great deal of fun and enjoyment. However, for such activities, there are factors to consider, such as the rental of recreational facilities and equipment, as well as the possibility of damages. Travel insurers even provide unique and catered packages such as the ‘Hole-in-1’ insurance coverage, something that probably only the avid golfers would know. Below, we have tables illustrating some insurers who provide coverage for water sports and golf, and you could consider buying insurance plans from these insurers.

Water Sports Equipment Coverage

Tiq SavvyFWD BusinessDirect Asia 200
Water Sports Baggage DamageS$5,000S$5,000S$3,000
Water Sports Rental EquipmentN/AS$100/day (extra cost)S$100/day (extra cost)
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Golf Equipment And Green Coverage

Singlife with Aviva PlusFWD BusinessMSIG Elite
Golf EquipmentS$2,000S$2,000S$1,000
Golf RentalsS$100/dayS$500N/A
Golf Unused FeeN/AS$500S$500
Golf Hole-In-1N/AS$1,000S$500

3. Extreme Activities

Do You Know Whether Your Travel Insurance Covers Popular and Extreme Sports? - The Independent Singapore News (4)

Is trekking too boring for you? Or is taking a hot air balloon too slow for you? For the thrill-seekers who want to travel overseas to get their heart rate and adrenaline pumping, you would be relieved to find out that these extreme activities are also not out of bounds for some travel insurers. You will be able to hop on your bungee jump or skydive in the clear blue skies without a worry on your mind, with these travel plans having your back.

Travel Insurance

Tiq SavvyFWD BusinessDirect Asia 200
Skydiving or Bungee JumpingCoveredCoveredCovered
MountaineeringCoveredCoveredNot Covered

Going Abroad? Check Out These Travel Insurance Plans For You

With travel being the talk of town now and with airports filling up with crowds once again, you may be filled with the temptation to take a well-deserved vacation with your family and friends. But wait, don’t forget the #1 travel essential – travel insurance! If you are going overseas soon and are looking for affordable travel coverage and a good-value insurance plan, we’ve got some top picks for you below!

Or, if you would like to view even more travel insurance plans that cater to your needs, feel free to browse Best Travel Insurance Singapore for even more options to choose from!

Best For The Adventurous At Heart

1. MSIG TravelEasy

  • Consider this if you often go on family vacations and are shopping based on coverage rather than price
  • Promotion:
  • Read our full review
1-Week Global Trip PremiumS$S$S$
Annual Family ASEAN PremiumS$S$S$
Trip CancellationS$5,000S$10,000S$15,000
Baggage Loss/DamageS$3,000S$5,000S$7,500
Overseas Medical ExpensesS$250,000S$500,000S$1,000,000

If you tend to go on vacation with your family often, MSIG’s travel insurance plans can offer you some of the highest levels of coverage available. The current promotion of 50% off for Single Trip plans and 20% off for Annual Plans create premiums that are around 15-30% below average for single trip plans and 10-15% below average for annual plans. Though it’s not the most competitively priced insurer, MSIG offers many family-friendly benefits such as cover for adventurous activities, haze-related events, unused entertainment tickets (to theme parks, performances, concerts and sporting events) and even your domestic worker’s belongings. These benefits are in addition to the above market average standard trip inconvenience and medical benefits, so you can be sure that your family will be receiving quite extensive coverage for maximum peace of mind.

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MSIG TravelEasy has 3 tiers of travel insurance plans, namely – Standard, Elite and Premier. The 3 tiers offer differing sums of coverage and protection, depending on the premiums paid, as well as the level of activities the insured will embark on.

For the thrill-seekers, MSIG TravelEasy’s Elite and Premier Plans provide an Adventurous Activities Cover, where benefits will be paid out if the insured suffers from an accident or death while participating in a myriad of activities such as bungee jumping, mountaineering or white-water rafting, whilst adhering to all guidelines and regulations. This makes MSIG’s plans suitable for those who are travelling for a little adventure, all while getting insured and protected at the same time.

Other interesting covers include Golfer’s Cover and Unused Entertainment Ticket, highlighting the MSIG TravelEasy insurance plans’ suitability for the young adults and young at heart, who travel overseas to partake in these fun and niche hobbies, whilst receiving protection from the travel insurance policies.

If you are planning to visit Japan which is slowly opening up its doors to tourists, you may also consider MSIG as their policies are comprehensive and have wide coverage.

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To enter Japan, here are some things you would need to have on hand:

  1. Negative PCR test result, taken within 72 hours pre-flight
  2. Entrants, Returnees Follow-up System (ERFS) certificate
  3. Approved Visa
  4. Travel Insurance

You’d be all ready for your trip with all these essentials with you!

Read More: MSIG Travel Insurance: What’s the Deal?

2. HL Assurance

  • Consider this if you are looking to for cheap coverage for global destinations and hotel or rental car perks
  • Promotion:
  • Read our full review
Basic PlanEnhanced PlanSuperior Plan
1-Week Global Trip PremiumS$S$S$
Annual Asia (inc. ASEAN) PremiumS$S$S$
Trip CancellationS$5,000S$7,000S$12,000
Baggage Loss/DamageS$3,000S$5,000S$7,000
Overseas Medical ExpensesS$150,000S$250,000S$500,000
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If you are looking to travel outside of the ASEAN region, HL Assurance’s travel insurance plans are great for the budget global traveller. The 60% off Single Trip plan and 50% off Annual Trip plan promotion makes the HLAS Enhanced Plan’s premiums 42% below average for global trips. However, while coverage isn’t the highest compared to its more expensive peers, it does provide robust trip inconvenience and medical coverage compared to plans in a similar price point. For example, there is coverage for lost items, trip curtailment, postponement, cancellation and delays, as well as rental car excess (the excess you owe if you get into a car accident abroad), medical expenses and hospital cash benefit both abroad and back in Singapore.

Other promotional perks that certain consumers may find useful is its S$50 hotel booking voucher for the Single trip plan (for its first 2,000 customers) and 10% off car rental for its annual plan. You can redeem the the voucher through the Changi Recommends website and the car rental discount is redeemable through Hertz.

The travel insurance plans offered by HL Assurance: Basic, Enhanced, Superior and Premier all offer good utility and value for the prices of their premiums.

HL Assurance’s travel insurance offers various perks such as golf benefits and coverage, but has exclusions on many other adventurous sports, hence it may not be the most suitable for adrenaline junkies.

However, the policies offer No Claims Discount (NCD), so if you are a loyal customer of HL Assurance’s travel insurance plans, this would pay off well for you. If you do not make any claims from your current travel insurance policy, you can stand to enjoy a 10% discount off your subsequent travel insurance plan, on top of any other ongoing promotions.

HL Assurance’s travel insurance plans also have very comprehensive Covid-19 coverage, as they also provide a quarantine allowance should you be quarantined overseas. More importantly, HL Assurance allows customers to connect with EMA Global, their 24/7 Covid-19 Travel Concierge, so you can still engage in communication with regional alarm centres and customer support whilst being overseas. This would bring great peace of mind for many travellers going abroad.

Read More: HL Assurance Travel Insurance: What Are Its Strengths?


There are many travel insurance plans out there that cater to all sorts of avid travellers. Whether you are a frequent flyer, a thrill-seeker, or seeking a peaceful and relaxing recharge, travel insurance is always a priority to ensure that you are able to take a vacation with a peace of mind assured. Travel insurance offered by the various insurance providers in Singapore offer a myriad of features and benefits, and choosing the right one for you and your family, tailored for your trip and personal preferences, could give you the maximum coverage and protection you deserve.

The article Do You Know Whether Your Travel Insurance Covers Popular and Extreme Sports? originally appeared on ValueChampion.

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Does insurance cover extreme sports? ›

Generally speaking, most extreme sports are likely not covered under your standard travel insurance. For the daredevils out there, you'll want to make sure that you purchase a health insurance plan that includes coverage for these types of activities so you're protected in case of an unexpected accident or injury.

Does travel insurance cover sporting events? ›

Standard travel insurance can cover low-risk activities, such as camping or fishing, but typically doesn't cover more extreme or adventurous sports – like skiing or scuba diving – or the cost of lost, stolen or damaged sports equipment. That's where specialist sports travel insurance comes in.

What travel insurance will not cover? ›

Losses due to venereal disease, AIDS virus, pregnancy (except complications of pregnancy), or abortion. Losses due to mental, psychological, or nervous disorders including anxiety, depression, neurosis or psychosis. Losses due to nuclear radiation or radioactive contamination.

For what types of events does travel insurance cover you? ›

What does travel insurance cover?
  • lost or stolen bags (with baggage cover an extra in some policies)
  • emergency medical expenses, such as the cost of treatment and getting you home.
  • the costs of cancelling, delaying or cutting your trip short (with cancellation cover sometimes an additional extra)

Why extreme sports are not covered? ›

Examples include hang gliding, skydiving, bungee jumping, backcountry skiing, mountain climbing and canyoning. They're often excluded from insurer coverage. The reason is simple: these activities involve a high risk of injury, and insurers don't like risk.

What is adventure insurance? ›

Adventure Cover offered by Bajaj Finserv aims at making the outdoors secure for individuals who enjoy these adrenaline-pumping adventure sports. This plan provides coverage against financial losses incurred, should any unforeseen mishaps occur.

Does Allianz travel insurance cover surfing? ›

Allianz Comprehensive Travel Insurance is designed to cover adventure activities like surfing (up to 2 nautical miles off any land mass) and snorkelling (at a depth no greater than 10 metres).

Is Turkey in Europe for travel insurance? ›

European or worldwide cover

Turkey is often considered a part of Europe, but it's not a member of the European Union. Some travel insurance providers will include Turkey within a European travel insurance policy while others place them under worldwide cover. Check your policy to be sure.

What is most important for travel insurance? ›

Your travel insurance should always include the following cover: medical expenses and cover for getting you home if you're injured or fall ill abroad. personal injury and cover for accidents or damage caused by you. cover for lost or damaged items.

What are the advantages or benefits of having travel insurance? ›

It protects you against losses during travel:

Some of the losses that Travel Insurance covers include loss of checked-in baggage, loss of passport, etc. By providing coverage against these losses, it compensates the traveller for additional expenses that may occur due to these losses.

What is travel insurance good for? ›

Travel insurance is coverage designed to protect against risks and financial losses that could happen while traveling. The risks range from minor inconveniences such as missed airline connections and delayed luggage all the way to more serious issues including injuries or major illness.

What are the different types of travel insurance? ›

Travel insurance can include many specific types of coverage, but most fall under five main categories:
  • Trip Cancellation or Interruption Insurance. ...
  • Medical Insurance. ...
  • Evacuation Insurance. ...
  • Baggage and Personal Items Loss. ...
  • Life Insurance.

What kinds of travel insurance are there? ›

What types of travel insurance policy are available?
  • Single-trip cover. ...
  • Annual or multi-trip cover. ...
  • Pre-existing medical conditions. ...
  • Worldwide travel insurance. ...
  • European travel insurance. ...
  • Winter sports travel insurance. ...
  • Backpacker travel insurance. ...
  • Travel insurance for adventure sports.
22 Mar 2022

What type of travel insurance is there? ›

What types of travel insurance policy are available?
  • Single-trip policies. ...
  • Annual multi-trip policies. ...
  • Backpacker travel insurance. ...
  • Family travel insurance. ...
  • European/ worldwide travel insurance. ...
  • Winter sports travel insurance. ...
  • Adventure sports travel insurance. ...
  • Travel insurance for the over-65s.
18 Oct 2021

What do insurance companies consider extreme sports? ›

Here's a list of extreme sports that insurers might be on the look-out for:
  • BASE jumping.
  • Off-piste skiing.
  • Kiteboarding.
  • Free-climbing.
  • Bungee jumping.
  • Hot air ballooning.
  • Rock climbing and mountaineering.
  • Skydiving.
27 Nov 2019

What is classified as an extreme sport? ›

extreme sports, also known as action sports or alternative sports, sporting events or pursuits characterized by high speeds and high risk. The sports most commonly placed in this group are skateboarding, snowboarding, freestyle skiing, in-line roller-skating, street lugeing, and BMX and mountain biking.

Is paragliding covered by insurance? ›

Cover the risks

Be aware that most insurance plans do not include paragliding as it is considered a hazardous sport. But with Big Cat Travel Insurance we can offer you the protection and benefits of our Extreme Activity Pack to give you the peace of mind to enjoy this high-octane sport to the full.

Which companies do insurance in adventure tourism in India? ›

If you are trying out any of these extreme sports in India, Bajaj Allianz is your only insurance option.

Is trekking covered in health insurance? ›

Though you may have your own life insurance and/or a medical insurance policy, chances are these policies do not cover any risks incurred while participating in adventurous activities like trekking.

Does Allianz cover Covid? ›

Allianz Travel

The policy does have an Epidemic Coverage Endorsement, which "adds covered reasons to select benefits for certain losses related to COVID-19 and any future epidemic."

Is AXA better than Allianz? ›

Allianz's brand is ranked #- in the list of Global Top 1000 Brands, as rated by customers of Allianz. AXA's brand is ranked #- in the list of Global Top 1000 Brands, as rated by customers of AXA.
Allianz vs AXA.

Does travel insurance cover quarantine fees? ›

If you are required to be quarantined while abroad, you may be covered by your insurance policy, including any relevant medical expenses that are required, provided that there is no COVID-19 exclusion. This may also include additional accommodation and travel expenses.

Is it safe to holiday in Turkey at the moment? ›

We strongly advise against all travel within 10 kilometres of the border between Turkey and Syria and to Diyarbakir city. We advise against all but essential travel to the remaining areas of provinces of Diyarbakir, Gaziantep, Hatay, Kilis, Mardin, Şanliurfa, and Sirnak.

What is the nickname of Turkey? ›

With such a large landmass, Turkey enjoys a variety of climates, earning the country the nickname 'the land of four seasons'.

Is Antalya in Europe or Asia? ›

Antalya and the whole Anatolian part of Turkey is officially Asia!

Can you travel without insurance? ›

Is travel insurance a legal requirement? While you're not legally required to have travel insurance, the pandemic has prompted several countries to add travel insurance to their entry requirements. Some require cover for COVID-19 and other countries require cover for all medical costs.

How long is travel insurance valid for? ›

Annual travel insurance is designed to provide Emergency Medical and Medical Evacuation coverage for multiple trips throughout one year. These policies last one year from the start date, which should be the departure date of your first trip.

Can you have 2 travel insurance policies? ›

It's not illegal to be dual insured, but it can make claiming more complicated. For example, if you needed medical care abroad and had two travel insurance policies that could payout for the claim, you won't get double the money. Instead, the insurers would decide how they will split the bill.

How do I understand travel insurance? ›

Travel insurance provides coverage for unexpected travel expenses, such as sickness or injury, travel delay, baggage loss or worse. Travelers pay a fee, called a premium, to a carrier. That carrier underwrites, or assumes and spreads the risk of financial losses. Some plans protect travelers even before leaving home.

Does travel insurance get more expensive closer to the trip? ›

Unlike other aspects of your travel experience like airfares or hotel-room rates, the price of travel insurance doesn't increase the closer you get to your travel date. There's no financial penalty if you wait to buy travel insurance (except for those bonus coverages, of course).

Does travel insurance cover if you cancel? ›

Cancellation cover is included as part of most travel insurance policies. It'll compensate you for some or all of the cost of your travel expenses – flights, cruise, hotel, excursions and so on – if you've had to cancel your trip because of unexpected circumstances.

Is travel insurance the same as health insurance? ›

Travel insurance is designed for holidaymakers to cover cancellations, personal belongings and emergency medical treatment, whereas international health insurance is designed to cover inpatient treatment check-ups and continuing treatment of chronic conditions abroad.

Is travel insurance a one time payment? ›

Is payment for travel insurance one time or monthly? The premiums shown are not monthly, but based on the number of coverage days chosen. Along with the number of days chosen, the premiums are also based on the age of the person, the policy maximum and selected deductible. Was this answer helpful?

What costs are covered by travel insurance? ›

Most provide coverage for Trip Cancellation, Trip interruption, Baggage loss, Medical, Dental, Emergency Evacuation, 24 Hour Traveler Assistance, Baggage Delay, Travel Delay, and Accidental Death.

What is a commercial travel insurance policy? ›

Business travel insurance covers expenses incurred from unexpected travel related incidents as well as emergency medical care. Depending on the plan, coverages may include emergency medical services, trip interruption, terrorism coverage, baggage loss, emergency medical evacuation, and more.

What is a travel policy? ›

What is a travel policy? A travel policy is essentially a company's rules and procedures that outline how their employees should approve, book, and expense travel for business purposes.

How does group travel insurance work? ›

Group travel insurance covers everyone listed on the policy for cancellations, medical emergencies and lost or stolen money, possessions and baggage. You can compare single trip and multi-trip policies - useful if you travel together as a group more than once each year.

Does travel insurance cover Covid? ›

Travel insurance that covers cancellation for COVID-19 usually covers you to cancel if you or a travelling companion get COVID-19. A 'travelling companion' may be defined as someone who is travelling at least 50% of the trip with you.

What happens if you don't have travel insurance? ›

If you don't have a travel insurance policy, you are guaranteed not to get a payout if something should happen. This can potentially leave you thousands of pounds out of pocket.

Does travel insurance cover cost of excursions? ›

Unused excursions

If an illness or accident means you can't attend a pre-booked excursion, your travel insurance would cover the costs of the activity (unless the accident was of your own making, for example, having too much to drink).

Is skiing an extreme sport for insurance? ›

Winter sports are often covered by travel insurance policies, including snowboarding, skiing, tubing, and snowmobiling. More adventurous sports, such as heli skiing or heli boarding, luging, and ice windsurfing, can also be covered by some policies.

What are extreme sports in travel insurance? ›

As well as the usual bungee jumping and skydiving, there are a whole host of other sports that your insurance provider may consider extreme. These include (but are not limited to) kite surfing, mountain biking, paragliding, scuba diving, sea kayaking and even martial arts.

Is hiking an extreme sport insurance? ›

What extreme sports are you doing? There are some sports you may consider mainstream, but your travel insurance company will consider extreme. For example, trekking or hiking is not usually considered an extreme sport or an adventure activity if you're below 2,500 metres.

What is a hazardous sport? ›

The definition of hazardous sports can vary by travel insurance policy and provider. Generally, it is extreme sports and/or activities. These activities can include mountaineering, hang gliding, parachuting, bungee jumping, water skiing, snow skiing, snowmobiling, and snow boarding.

What is classed as extreme sports? ›

extreme sports, also known as action sports or alternative sports, sporting events or pursuits characterized by high speeds and high risk. The sports most commonly placed in this group are skateboarding, snowboarding, freestyle skiing, in-line roller-skating, street lugeing, and BMX and mountain biking.

What's different about extreme sports? ›

Activities categorized by media as extreme sports differ from traditional sports due to the higher number of inherently uncontrollable variables. These environmental variables are frequently weather and terrain related, including wind, snow, water and mountains.

Is Jet Skiing an extreme sport? ›

JETSKIING. Riding an engine powered Jet Ski is the ultimate adrenaline rush. With an incredible average top speed of 75 miles per hour, these beasts are nothing to joke with.

Is ziplining covered by travel insurance? ›

So, if your holiday plans include things like surfing, rock climbing and zip-lining, adventure travel insurance can provide the additional cover you need. A regular travel insurance policy will only cover you for low-risk activities.

Is triathlon an extreme sport? ›

Arguably one of the most extreme sports out there, Ironman triathlon is without a doubt one of the most brutal endurance events that both amateurs and professionals can take part in. Ironman combines the triathlon disciplines of open-water swimming, cycling, and running, across grueling distances.

What are hazardous activities for insurance? ›

A hazardous activity refers to a recreational or occupational activity that is considered highly risky in the context of life or disability insurance. This includes car racing, horse riding, bungee jumping, scuba diving, hang gliding, construction work, and underground mining.

What are examples of high risk activities? ›

This category includes activities such as Extreme Sports, wilderness excursions, rock climbing, high ropes, canopy walks, etc. Finally, activities assigned red would be considered high risk activities.

Does life insurance cover adventure activities? ›

Extreme sport enthusiasts must declare their interest while they apply for life cover. An insurer can deny insurance or charge extra premium commensurate with the risks involved. If an insurer discovers your taste for adventure during investigation, a claim could be rejected.


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