Coverage comparison
Which travel insurance plans exclude adventure sports?
Every plan we hold wording for excludes some adventure sports, and none covers all of them. RoamRight Pro, ProPlus and CancelFlex exclude skydiving, hang gliding, bungee jumping, mountaineering that needs picks or ropes, caving and scuba deeper than 130 feet, and sell an optional hazardous sports upgrade that pays emergency medical costs for most of them, within limits the upgrade sets. Generali Premium excludes a similar list and has no sports upgrade in its wording. The matrix below shows each activity, plan by plan.
Reviewed by Al Ste-Marie, Founder, Expedition Insure. Last updated November 4, 2026.
Adventure sports by plan
Excluded means the plan's exclusions list the activity, so a loss caused by it is not paid. The upgrade column shows what the RoamRight hazardous sports upgrade adds back.
| Activity | RoamRight Pro, ProPlus and CancelFlex | With the RoamRight hazardous sports upgrade | Generali Premium |
|---|---|---|---|
| Mountaineering | Excluded when it generally needs picks, ropes or other special equipment | Medical covered where ropes or guides are normally used, up to 15,000 feet | “Mountain climbing” excluded, term not defined |
| Rock climbing | Excluded without equipment | Not listed | Not named separately |
| Skydiving and parachuting | Excluded | Medical covered | Excluded |
| Hang gliding | Excluded | Medical covered | Excluded |
| Paragliding and parasailing | Not named. The exclusion also covers activities “materially similar” to those listed | Not listed | Parasailing excluded, and travel on any air-supported device other than a scheduled airline or licensed air charter |
| Bungee jumping | Excluded | Medical covered | Excluded |
| Scuba diving | Excluded deeper than 130 feet, or when you are not PADI or NAUI certified and no dive master is present | Medical covered if PADI or NAUI certified, to depths below 130 feet | Excluded below 120 feet (40 meters) or without a dive master |
| Free diving and cliff diving | Excluded | Not listed | Not named |
| Caving and spelunking | Excluded | Medical covered | Excluded |
| Heli-skiing, extreme skiing and skiing outside marked trails | Excluded | Not listed | Excluded |
| BASE jumping and wingsuit flying | Excluded | Not listed | Not named |
| Racing and speed contests | Any race or speed contest excluded | Not listed | Riding or driving in any motor competition excluded |
| Competitions | Excluded as a professional, and multi-sport endurance competitions | Not listed | Professional athletics and organized amateur competitions excluded |
Source: each plan's policy wording, checked in November 2026. Terms vary by plan and state of residence, and your certificate states the terms that apply to you.
Activities none of these plans names
Trekking, kayaking, white water rafting and snorkelling are not named in the exclusions of any plan in the matrix. That does not make them limitless: the general exclusions still apply, including racing, professional competition and, on RoamRight, activities materially similar to those it lists.
What the hazardous sports upgrade does
The RoamRight upgrade pays emergency medical costs, up to the plan's emergency accident medical limit, if you are injured in mountaineering where ropes or guides are normally used up to 15,000 feet, skydiving or parachuting, hang gliding, bungee jumping, scuba diving when PADI or NAUI certified, or spelunking.
It does not add BASE jumping, heli-skiing, free diving or racing, which stay excluded. The upgrade wording pays under the emergency accident medical expense benefit and does not mention the medical evacuation benefit.
How to pick a plan for an adventure trip
- List every activity on the itinerary, including optional excursions.
- Find each one in the exclusions, including wording that excludes activities materially similar to those listed.
- Add the hazardous sports upgrade if a listed activity is on your plan.
- Check the depth and height limits: 130 feet for scuba and 15,000 feet for mountaineering on the RoamRight upgrade.
Climbing Kilimanjaro? Read the altitude clause, plan by plan.
Frequently asked questions
Which travel insurance does not exclude adventure sports?
Is scuba diving covered?
Is mountaineering covered?
Is skydiving covered?
Is heli-skiing covered?
Are trekking and kayaking covered?
Check your activities before you buy
Tell us every activity on your itinerary and we will quote the plans whose wording fits it.
Get a quoteThis page summarises policy wording for general information. It is not legal or financial advice. Coverage, limits and eligibility are governed by the policy you buy, terms vary by plan and state of residence, and your certificate states the terms that apply to you.