ntuc travel insurance ski

6 Things to Know About Travel Insurance for Extreme Sports and Outdoor Adventure Coverage (2024)

We all know friends who are adrenaline junkies. Those who get kicks out of taking crazy risks and going on wild adventures all around the world. Heck, maybe you’re thinking: That’s me.

We all know how important travel insurance  is, but if you’re planning a ski trip, scuba diving trip or something even crazier than that, then you need to know which travel insurance cover extreme sports and outdoor adventure .

Here are 6 things you need to pay attention to when buying any sort of adventure sports travel insurance.

Travel Insurance for Extreme Sports and Outdoor Adventure Coverage

• Best travel insurance for outdoor sports
• What are the common outdoor adventure exclusions for travel insurance?
• What are the common personal accident and personal liability exclusions?
• Which outdoor activities are usually excluded?
• How much do extreme sports riders cost?
• Do you need sports equipment coverage?
• Do you have sufficient emergency medical evacuation coverage?

1. Best travel insurance for outdoor sports

Planning your long-awaited trip overseas with your pals for scuba diving, rock climbing, skiing or snowboarding?

Remember to get travel insurance that covers your winter sports, water sports, or mountaineering and rock climbing (usually considered more dangerous).

When browsing travel insurance plans, you’ll realise that sports and adventure are usually split into 3 broad categories:

• Leisure and recreational outdoor activities : Hot air balloon, scuba diving (up to 30m/40m, guided by licensed instructors, with PADI certification), skiing and snowboarding in resorts, hiking or trekking (up to 3,000m), jet ski, white water rafting, skydiving, paragliding, hang gliding, parachuting etc
• Other more extreme sports : Bungee jumping, mountaineering, rock climbing (any climbing that involves ropes and equipment)
• Competitions (not covered across all insurance companies) : Marathons, ultra-marathons, biathlons, triathlons, cycling and obstacle races

This table below is a general comparison. Click in to each travel insurance review to see the specific outdoor activities they cover:

Back to top

2.  What are the common  outdoor adventure exclusions for travel insurance?

Even if your travel insurance plan claims that it covers outdoor adventure and extreme sports, there will still be exclusions—a.k.a. activities that your insurance company is not willing to cover. Here are a few major examples:

• Any professional competitions or sports in which you get paid, sponsored or receive any kind of financial reward
• Any leisurely contact sport or MMA classes such as Muay Thai, Brazilian Jiu Jitsu (BJJ)
• Mountaineering or rock climbing that involves ropes and climbing equipment, especially if it’s done unharnessed and outdoors on a wall that is not man-made
• Expeditions to inaccessible, remote or previously unexplored places
• Being the pilot or a crew member of an aircraft (except for your commercial flights eg. SQ)

You’ll be surprised that most marathons are not covered by travel insurance since there’s a grand prize you technically can win.

Now, you might say that you’re probably not going to do any of these sports. But between insurance companies, there are different standards as to what’s allowed, so always check your terms and conditions before you buy your travel insurance.

Lazy? Scroll up and you can read through our travel insurance reviews instead. We’ve scoured through policy wordings and terms and conditions for their outdoor adventure and extreme sports coverage.

3. What are the common personal accident and personal liability exclusions?

While some travel insurance seems to have a comprehensive coverage, you have to make sure that the activity that you are doing is covered under Personal Accident or Personal Liability.

For instance, if you got the Singlife travel insurance and decided to buy the Adventurous Water Sports rider as well, you will be covered for all the usual scuba diving (up to 40m), white water rafting, kayaking, yachting, wakeboarding etc.

You’ll have to scroll to the end of your policy wording to check out the terms and conditions. Singlife travel insurance states that it covers you for:

• accidental death and permanent disablement
• emergency medical cover
• personal liability

In other words, if you get seriously injured during any of these activities, your Singlife travel insurance will cover emergency medical costs, your death, and any damage you caused to the properties in that accident.

However, if you were to look at Etiqa travel insurance , you’ll see that the plan covers you for personal accidental death. When it comes to personal liability, some outdoor activities are excluded, such as:

• motorcycles, motor cars

These are exactly the kind of activities where you’re more likely to suffer an accident. So don’t forget to check the fine print!

Total Premium

[GIVEAWAY | MoneySmart Exclusive]   • Enjoy 45% off your Single Trip policy premium and 80% off Covid-19 add-on for Annual Plans. T&Cs apply. • Get S$30 Revolut cash reward  with every policy purchased .  T&Cs apply.    PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.

Key Features

Comprehensive COVID-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Get paid upon a 3-hour flight delay, even without submitting a claim

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

4. Which outdoor activities are usually excluded?

Some activities will be covered by your travel insurance, but only if it’s within a specific circumstance. Again, this is not being unrealistic. But it does mean you have to be careful that your activities don’t exceed the boundaries set by your travel insurance. These are examples of some activities which aren’t covered by your insurance:

• Canoeing or white water rafting without a qualified guide or Grade 4 and above (of the International Scale of River Difficulty).
• Off-piste skiing, or going off trail and skiing outside the officially approved boundaries of a ski resort.
• Mountaineering beyond the height of 3,000 metres above sea level. (Some insurers raise this limit to 3,500m or even higher—check the policy document for the specific figure.)
• Underwater activities involving artificial breathing apparatus for diving deeper than 30 metres.

So while some of these activities are covered by certain travel insurance policies, they do have limits to their coverage. Be careful to stay within the stipulated boundaries.

5. How much do extreme sports riders cost?

Some travel insurance companies require that you upgrade your travel insurance plan to include winter sports rider or outdoor adventurous activities riders. Although it might seem unfair to incur a steep increase in the premium price, do note that most of the time, this increases your coverage for other categories within the same plan as well.

How much do these winter sports and sports riders cost?

Currently, there are 2 travel insurance plans that require you to buy sports riders:  Direct Asia travel insurance  and  Singlife travel insurance . The latter costs $8.38 per week for Adventurous Water Sports rider  or $8.13 per week for the Winter Sports rider.

Singlife Travel Plus

[GIVEAWAY | SmartRewards | Receive your rewards as fast as 30 days*]    • Enjoy 25% off your policy premium     Get over S$65 worth of rewards: • Includes S$30 Revolut cash reward •  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. • Plus, get  up to 510 SmartPoints OR S$30  via PayNow with eligible premiums spent . T&Cs apply.    Use SmartPoints to redeem your favourite product from our Rewards Store  today.     PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.

Covers trip cancellation and trip curtailment for any reason, T&Cs apply.

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas and in Singapore.

Coverage for loss of frequent flyers points, hotel points & credit card points.

Payout of S$100** should your trip be affected by excessive rainfall.

**For single trips (minimum 3 days) where more than 50% of trip duration is affected by rainfall levels of >6.4mm in a 24-hour period.

Seamless claims experience with PayNow

6. Do you need sports equipment coverage?

If you’re a hardcore skier or diver, then this section should not be news for you. If you have your own sporting equipment that you intend to bring on the trip, you have to be aware how much your travel insurance is covering you. When your gear can cost a few hundred dollars, you’ll definitely want to invest in a plan that will insure you don’t lose out if your gear is stolen or damaged.

7. Do you have sufficient emergency medical evacuation coverage?

This is especially important if you’re planning to go scuba diving, hiking or skydiving. Since you’re most likely not going to be near any decent medical facilities should anything happen, you may need to get emergency medical evacuation.

Check to make sure your travel insurance policy covers you sufficiently for such an occasion. Where possible, choose policies that can give you at least $500,000 cover for medical evacuation, even if you end up paying a little more. Here are some that offer $500,000 or more:

Bubblegum Travel Insurance

[GIVEAWAY | Receive your cash as fast as 30 days*]   • Enjoy 10% off your policy premium   Get over S$60 worth of rewards: • Includes S$30 Revolut cash reward •  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased. • Plus, get  up to S$25  via PayNow with eligible premiums spent . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.

Bubblegum offers just 1 affordable plan to suit all your travel needs to maximise your savings

Overseas medical expenses up to $150,000 SGD (Covid-19 sub-limit of $65,000 included)

24-Hour global Emergency Assistance services including Emergency Medical Evacuation and Repatriation

Covid-19 trip related cancellation/curtailment up to $600 SGD included

Adventurous activities like scuba diving and hot air ballooning are covered with no limit on depth or height.

MSIG TravelEasy Standard

[GIVEAWAY | FLASH SALE | Receive your cash as fast as 30 days*]    • For a limited time, enjoy up to 55% off your policy premium. Valid till 26 Sep 2024.    Get over S$80 worth of rewards: • Includes  S$30 Revolut cash reward •  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . • Plus, get  up to S$45  via PayNow OR 1 x Apple AirTag (worth S$45.40) with eligible premiums spent . T&Cs apply.    PLUS, score  S$100 Revolut cash reward  in our giveaway on top of existing rewards.  T&Cs apply.

COVID-19 coverage of up to $150,000 medical cover and up to $1,500 travel inconvenience benefit for your trip protection.

Packaged tour coverage for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

AIG Travel Guard® Direct - Enhanced

[GIVEAWAY | Receive your cash as fast as 30 days*]   Get over S$75 worth of rewards: • Includes  Eskimo Global 1GB eSIM (worth S$9.50) with every policy purchased . • S$30 Revolut cash reward • Up to S$40 via PayNow with eligible premiums spent . T&Cs apply.   PLUS, score S$100 Revolut cash reward in our giveaway on top of existing rewards. T&Cs apply.

Voted TripZilla's Best Travel Insurance (Single Trip).

Up to S$250,000 in overseas COVID-19 related medical coverage if you are diagnosed with COVID-19 overseas.

Overseas quarantine allowance of up to S$100 per day per person for up to 14 days if you test positive for COVID-19 overseas and are unexpectedly placed into mandatory quarantine.

Up to S$1,500 if you are diagnosed with COVID-19 and have to postpone your trip.

Up to S$7,500 in curtailment costs if you are diagnosed with COVID-19 while travelling and need to return to Singapore earlier than planned.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites (www.AIG.sg or www.gia.org.sg or www.sdic.org.sg).

Purchase your travel insurance with confidence and enjoy unlimited flexibility with AIG's Travel Guard® Direct

Do you have any other suggestions for getting the best travel insurance for sports lovers? Share them with us.

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Best travel insurance for extreme sports and outdoor adventure coverage (2022)

We all know friends who are adrenaline junkies. Those who get kicks out of taking crazy risks and going on wild adventures all around the world. Heck, maybe you're thinking: That's me.

We all know how important travel insurance is, but if you're planning a ski trip, scuba diving trip or something even crazier than that, then you need to know which travel insurance cover extreme sports and outdoor adventure.

Here are six things you need to pay attention to when buying any sort of adventure sports travel insurance.

1. Best travel insurance for outdoor sports

Planning your long-awaited trip overseas with your pals for scuba diving, rock climbing, skiing or snowboarding?

Remember to get a travel insurance which covers your winter sports, water sports, or mountaineering and rock climbing (usually considered more dangerous).

When browsing travel insurance plans, you'll realise that sports and adventure are usually categorised into three broad categories:

Leisure and recreational outdoor activities: Hot air balloon, scuba diving (up to 30m/40m, guided by licensed instructors, with PADI certification), skiing and snowboarding in resorts, hiking or trekking (up to 3,000m), jet ski, white water rafting, skydiving, paragliding, hang gliding, parachuting etc

Other more extreme sports: Bungee jumping, mountaineering, rock climbing (any climbing that involves ropes and equipment)

Competitions (not covered across all insurance companies except for Direct Asia): Marathons, ultra-marathons, biathlons, triathlons

This table is a general comparison. Click in to each travel insurance review to see the specific outdoor activities they cover:

2. Travel insurance outdoor adventure exclusions

Even if your travel insurance plan claims that it covers outdoor adventure and extreme sports, there will still be exclusions - aka activities that your insurance company is not willing to cover. Here are a few major examples:

Any professional competitions or sports in which you get paid, sponsored or receive any kind of financial reward

Any leisurely contact sport or MMA classes such as Muay Thai, Brazilian Jiu Jitsu (BJJ)

Mountaineering or rock climbing that involves ropes and climbing equipment

Expeditions to inaccessible, remote or previously unexplored places

Being the pilot or a crew member of an aircraft (except for your commercial flights eg. SQ)

You'll be surprised that most marathons are not covered by travel insurance since there's a grand prize you technically can win.

Now, you might say that you're probably not going to do any of these sports. But between insurance companies, there are different standards as to what's allowed, so always check your terms and conditions before you buy your travel insurance.

Lazy? Scroll up and you can read through our travel insurance reviews instead. We've scoured through policy wordings and terms and conditions for their outdoor adventure and extreme sports coverage.

3. Personal accident, personal liability exclusions

While some travel insurance seems to have a comprehensive coverage, you have to make sure that the activity that you are doing is covered under Personal Accident or Personal Liability.

For instance, if you got the Singlife with Aviva travel insurance and decided to buy the Adventurous Water Sports rider as well, you will be covered for all the usual scuba diving (up to 40m), white water rafting, kayaking, yachting, wakeboarding etc.

You'll have to scroll to the end of your policy wording to check out the terms and conditions. Singlife with Aviva travel insurance states that it covers you for:

In other words, if you get seriously injured during any of these activities, your Singlife with Aviva travel insurance will cover emergency medical costs, your death, and any damage you caused to the properties in that accident.

However, if you were to look at Etiqa travel insurance, you'll see that the plan covers you for personal accidental death. When it comes to personal liability, some outdoor activities are excluded, such as:

• Accidental death and permanent disablement
• Emergency medical cover
• Personal liability

These are exactly the kind of activities where you're more likely to suffer an accident. So don't forget to check the fine print!

ALSO READ:  Travel insurance guide (2022): Which travel insurance do I need?

4. Outdoor activities that are usually excluded

Some activities will be covered by your travel insurance, but only if it's within a specific circumstance. Again, this is not being unrealistic. But it does mean you have to be careful that your activities don't exceed the boundaries set by your travel insurance. These are examples of some activities which aren't covered by your insurance:

Canoeing or white water rafting without a qualified guide or Grade 4 and above (of the International Scale of River Difficulty).

Off-piste skiing, or skiing outside the officially approved boundaries of a ski resort.

Mountaineering beyond the height of 3,000 metres above sea level.

Underwater activities involving artificial breathing apparatus for diving deeper than 30 metres.

So while some of these activities are covered by certain travel insurance policies, they do have limits to their coverage, so be careful to stay within the stipulated boundaries.

5. How much do extreme sports riders cost?

Some travel insurance companies require that you upgrade your travel insurance plan to include winter sports rider or outdoor adventurous activities riders. Although it might seem unfair to incur a steep increase in the premium price, do note that most of the time, this increases your coverage for other categories within the same plan as well.

How much do these winter sports and sports riders cost?

Currently, there are two travel insurance plans that require you to buy sports riders.

Direct Asia travel insurance: $81.40 to $105.16 per week

Singlife with Aviva travel insurance: $7.45 to $14.36 per week for Adventurous Water Sports rider or Winter Sports rider

6. I need sports equipment coverage

If you're a hardcore skier or diver, then this section should not be news for you. If you have your own sporting equipment that you intend to bring on the trip, you have to be aware how much your travel insurance is covering you.

When your gear can cost a few hundred dollars, you'll definitely want to invest in a plan that will insure you don't lose out if your gear is stolen or damaged.

7. Do you have sufficient emergency medical evacuation coverage?

This is especially important if you're planning to go scuba diving, hiking or skydiving. Since you're most likely not going to be near any decent medical facilities should anything happen, you may need to get emergency medical evacuation.

Check to make sure your travel insurance policy covers you sufficiently for such an occasion. Where possible, choose policies that can give you at least $500,000 cover for medical evacuation, even if you end up paying a little more.

ALSO READ:  Covid-19 travel insurance: How to make your claims

This article was first published in MoneySmart .

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6 things to know about travel insurance for extreme sports and outdoor adventure coverage (2024).

We all know friends who are adrenaline junkies. Those who get kicks out of taking crazy risks and going on wild adventures all around the world. Heck, maybe you’re thinking: That’s me.

We all know how important travel insurance  is, but if you’re planning a ski trip, scuba diving trip or something even crazier than that, then you need to know which travel insurance cover extreme sports and outdoor adventure .

Here are 6 things you need to pay attention to when buying any sort of adventure sports travel insurance.

Travel Insurance for Extreme Sports and Outdoor Adventure Coverage

Best travel insurance for outdoor sports

What are the common outdoor adventure exclusions for travel insurance?

What are the common personal accident and personal liability exclusions?

Which outdoor activities are usually excluded?

How much do extreme sports riders cost?

Do you need sports equipment coverage?

Do you have sufficient emergency medical evacuation coverage?

1. Best travel insurance for outdoor sports

Planning your long-awaited trip overseas with your pals for scuba diving, rock climbing, skiing or snowboarding?

Remember to get travel insurance that covers your winter sports, water sports, or mountaineering and rock climbing (usually considered more dangerous).

When browsing travel insurance plans, you’ll realise that sports and adventure are usually split into 3 broad categories:

Leisure and recreational outdoor activities : Hot air balloon, scuba diving (up to 30m/40m, guided by licensed instructors, with PADI certification), skiing and snowboarding in resorts, hiking or trekking (up to 3,000m), jet ski, white water rafting, skydiving, paragliding, hang gliding, parachuting etc

Other more extreme sports : Bungee jumping, mountaineering, rock climbing (any climbing that involves ropes and equipment)

Competitions (not covered across all insurance companies except for Direct Asia) : Marathons, ultra-marathons, biathlons, triathlons

This table below is a general comparison. Click in to each travel insurance review to see the specific outdoor activities they cover:

Back to top

2.  What are the common  outdoor adventure exclusions for travel insurance?

Even if your travel insurance plan claims that it covers outdoor adventure and extreme sports, there will still be exclusions—a.k.a. activities that your insurance company is not willing to cover. Here are a few major examples:

Any professional competitions or sports in which you get paid, sponsored or receive any kind of financial reward

Any leisurely contact sport or MMA classes such as Muay Thai, Brazilian Jiu Jitsu (BJJ)

Mountaineering or rock climbing that involves ropes and climbing equipment, especially if it’s done unharnessed and outdoors on a wall that is not man-made

Expeditions to inaccessible, remote or previously unexplored places

Being the pilot or a crew member of an aircraft (except for your commercial flights eg. SQ)

You’ll be surprised that most marathons are not covered by travel insurance since there’s a grand prize you technically can win.

Now, you might say that you’re probably not going to do any of these sports. But between insurance companies, there are different standards as to what’s allowed, so always check your terms and conditions before you buy your travel insurance.

Lazy? Scroll up and you can read through our travel insurance reviews instead. We’ve scoured through policy wordings and terms and conditions for their outdoor adventure and extreme sports coverage.

3. What are the common personal accident and personal liability exclusions?

While some travel insurance seems to have a comprehensive coverage, you have to make sure that the activity that you are doing is covered under Personal Accident or Personal Liability.

For instance, if you got the Singlife travel insurance and decided to buy the Adventurous Water Sports rider as well, you will be covered for all the usual scuba diving (up to 40m), white water rafting, kayaking, yachting, wakeboarding etc.

You’ll have to scroll to the end of your policy wording to check out the terms and conditions. Singlife travel insurance states that it covers you for:

accidental death and permanent disablement

emergency medical cover

personal liability

In other words, if you get seriously injured during any of these activities, your Singlife travel insurance will cover emergency medical costs, your death, and any damage you caused to the properties in that accident.

However, if you were to look at Etiqa travel insurance , you’ll see that the plan covers you for personal accidental death. When it comes to personal liability, some outdoor activities are excluded, such as:

motorcycles, motor cars

These are exactly the kind of activities where you’re more likely to suffer an accident. So don’t forget to check the fine print!

Total Premium

40% Off Total Premium S$62

MoneySmart Exclusive

Most efficient claims for flight delay

Med. Coverage (Overseas)

Travel Cancelation

Loss/Damage of Baggage

Total Premium Total Premium S$62 40% Off

MoneySmart Exclusive:

[MoneySmart Exclusive]   • Enjoy 40% off your Single Trip policy premium and 60% off Covid-19 add-on for Annual Plans. T&Cs apply • Get S$88 Revolut Cash Award* and S$10 iShopChangi e-voucher with every policy purchased.  T&Cs apply.   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.   [Etiqa's 10th Year 2024 Grand Draw] Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

Valid until 15 May 2024

More Details

Key Features

Comprehensive COVID-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Get paid upon a 3-hour flight delay, even without submitting a claim

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

See all plan details 

4. Which outdoor activities are usually excluded?

Some activities will be covered by your travel insurance, but only if it’s within a specific circumstance. Again, this is not being unrealistic. But it does mean you have to be careful that your activities don’t exceed the boundaries set by your travel insurance. These are examples of some activities which aren’t covered by your insurance:

Canoeing or white water rafting without a qualified guide or Grade 4 and above (of the International Scale of River Difficulty).

Off-piste skiing, or going off trail and skiing outside the officially approved boundaries of a ski resort.

Mountaineering beyond the height of 3,000 metres above sea level. (Some insurers raise this limit to 3,500m or even higher—check the policy document for the specific figure.)

Underwater activities involving artificial breathing apparatus for diving deeper than 30 metres.

So while some of these activities are covered by certain travel insurance policies, they do have limits to their coverage. Be careful to stay within the stipulated boundaries.

5. How much do extreme sports riders cost?

Some travel insurance companies require that you upgrade your travel insurance plan to include winter sports rider or outdoor adventurous activities riders. Although it might seem unfair to incur a steep increase in the premium price, do note that most of the time, this increases your coverage for other categories within the same plan as well.

How much do these winter sports and sports riders cost?

Currently, there are 2 travel insurance plans that require you to buy sports riders:  Direct Asia travel insurance  and  Singlife travel insurance . The latter costs $8.38 per week for Adventurous Water Sports rider  or $8.13 per week for the Winter Sports rider.

40% Off Total Premium S$43.75

ROLEX GRAND DRAW | Free coverage for children

DirectAsia DA200 (now known as DirectAsia Voyager 250)

Trip Cancellation

Loss/Damage of Baggage With Proof of Purchase: Original Price less allowance for wear & tear. Without proof of purchase: Up to S$50 per item

Total Premium Total Premium S$43.75 40% Off

Kids go free – up to four kids travel for free with a Family policy only (2 adults)

Matching kids limits – children enjoy the same coverage limits as adults

Optional coverage for Sports Equipment & Extreme Sports are only available for Annual Policies

Optional coverage for Single Trip Travel Insurance: Maid and COVID-19.

Emergency Dental – Accidental Dental treatment can be costly, so it is covered under the main medical expenses coverage which is higher than a separate dental benefit

25% Off Total Premium S$66.68

Free Trip Cancellation

Singlife Travel Plus

Total Premium Total Premium S$66.68 25% Off

[Receive your cash as fast as 30 days*]   • Enjoy 25% off your policy premium • Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$30  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

Covers trip cancellation and trip curtailment for any reason, T&Cs apply.

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas and in Singapore.

Coverage for loss of frequent flyers points, hotel points & credit card points.

Payout of S$100** should your trip be affected by excessive rainfall.

**For single trips (minimum 3 days) where more than 50% of trip duration is affected by rainfall levels of >6.4mm in a 24-hour period.

Seamless claims experience with PayNow

6. Do you need sports equipment coverage?

If you’re a hardcore skier or diver, then this section should not be news for you. If you have your own sporting equipment that you intend to bring on the trip, you have to be aware how much your travel insurance is covering you. When your gear can cost a few hundred dollars, you’ll definitely want to invest in a plan that will insure you don’t lose out if your gear is stolen or damaged.

7. Do you have sufficient emergency medical evacuation coverage?

This is especially important if you’re planning to go scuba diving, hiking or skydiving. Since you’re most likely not going to be near any decent medical facilities should anything happen, you may need to get emergency medical evacuation.

Check to make sure your travel insurance policy covers you sufficiently for such an occasion. Where possible, choose policies that can give you at least $500,000 cover for medical evacuation, even if you end up paying a little more. Here are some that offer $500,000 or more:

10% Off Total Premium S$52.05

Most fuss-free plan

Bubblegum Travel Insurance

Loss/Damage of Personal Baggage

Total Premium Total Premium S$52.05 10% Off

[Receive your cash as fast as 30 days*]   • Enjoy 10% off your policy premium • Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$25  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

Apply Now Apply directly on MoneySmart

Bubblegum offers just 1 affordable plan to suit all your travel needs to maximise your savings

Overseas medical expenses up to $150,000 SGD (Covid-19 sub-limit of $65,000 included)

24-Hour global Emergency Assistance services including Emergency Medical Evacuation and Repatriation

Covid-19 trip related cancellation/curtailment up to $600 SGD included

Adventurous activities like scuba diving and hot air ballooning are covered with no limit on depth or height.

45% Off Total Premium S$68

ROLEX GRAND DRAW | Most Comprehensive

MSIG TravelEasy Standard

Total Premium Total Premium S$68 45% Off

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]   • Enjoy up to 45% off your policy premium • Get S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) and  up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.   BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly   Increase your chances of winning when you refer friends  today. T&Cs apply   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

COVID-19 coverage of up to $150,000 medical cover and up to $1,500 travel inconvenience benefit for your trip protection.

Packaged tour coverage for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

Most Flexible Plan

AIG Travel Guard® Direct - Enhanced

Overseas Medical Expenses

Travel Cancelation / Postponement

[Receive your cash as fast as 30 days*]   • Get up to 52% worth of cashback and up to S$20 iShopChangi e-voucher with eligible premiums spent. • Additionally, receive  S$88 Revolut Cash Award* and an Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply.   PLUS, get S$100 Revolut Cash Award when you are the 8th and 88th Successful Applicant each week to sign up for a new Revolut account in our Giveaway.  T&Cs  apply.

Voted TripZilla's Best Travel Insurance (Single Trip).

Up to S$250,000 in overseas COVID-19 related medical coverage if you are diagnosed with COVID-19 overseas.

Overseas quarantine allowance of up to S$100 per day per person for up to 14 days if you test positive for COVID-19 overseas and are unexpectedly placed into mandatory quarantine.

Up to S$1,500 if you are diagnosed with COVID-19 and have to postpone your trip.

Up to S$7,500 in curtailment costs if you are diagnosed with COVID-19 while travelling and need to return to Singapore earlier than planned.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites (www.AIG.sg or www.gia.org.sg or www.sdic.org.sg).

Purchase your travel insurance with confidence and enjoy unlimited flexibility with AIG's Travel Guard® Direct

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The post 6 Things to Know About Travel Insurance for Extreme Sports and Outdoor Adventure Coverage (2024) appeared first on MoneySmart Blog .

Original article: 6 Things to Know About Travel Insurance for Extreme Sports and Outdoor Adventure Coverage (2024) .

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