"coverage For Adventure Sports: Finding The Right Travel Insurance In Australia"

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If you're like me, you love to travel and find new experiences. However, more often than not these popular activities are considered high risk and dangerous enough that they are actually not covered by Canadian travel insurance.

"coverage For Adventure Sports: Finding The Right Travel Insurance In Australia"

Wait, are you saying that activities such as ATV-ing, hot air ballooning, scuba diving, sea kayaking, and horseback riding are not covered even if you have travel insurance? The most likely answer is no. This is why you need to know which Canadian travel insurance actually covers extreme sports.

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When it comes to Canadian travel insurance, it is complicated like every other insurance product. They are designed to be ambiguous, difficult to find, and difficult to compare.

"When I buy travel insurance as a Canadian, how do I know if I'm covered for the extreme sports I'm going to do while I'm on the road?"

So let's cut to the chase and find out what policies out there are actually good for Canadian travelers who want to do some adventure and extreme sports.

For those with an adventurous spirit, some activities may pop up in your travel planning that are a bit more adrenaline pumping than some others.

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If you have to think twice about whether you should do it or not, or whether your friends, partner or parents would approve, it's probably "extreme sport".

On our recent trip to New Zealand, it's no wonder you've encountered extreme sports everywhere from skydiving near Abel Tasman, wreck diving to see the famous Rainbow Warriors, and cave tubing to see glow worms.

So the term extreme sports is really just a more common term for what the insurance industry calls "high-risk activities".

When you look at Canadian travel insurance policies, these are the sports that are most often NOT covered.

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The only good news is that if you are scuba diving certified, what you are doing is not considered extreme. Some insurance companies allow white water rafting from class 1 to 4 which is done by most operators such as OWL Rafting.

If you keep thinking about things that may or may not be mentioned like the Running of the Bulls, the shark cage diving we did in South Africa, or even the ice/glacier climbing experience in Iceland, you may not be covered by your travel insurance policy anyway how little deductible is or how expensive it is.

Well that's great. You've just learned that most insurance policies don't cover activities that are really cool when you travel.

Before I reveal the best Canadian travel insurance for extreme sports, let's cover some basics to look for in a travel insurance policy.

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I have a more detailed guide coming soon but just from these few bullet points alone, your head is probably spinning.

Personally, I think a big reason why insurance is complicated is because there are too many options. There is no centralized place to find them. Yes, RATESDOTCA tries but the interface is clunky and it doesn't show you everything.

Most importantly, I still do not believe that there is no travel insurance search engine that can only tell you which covers extreme sports.

Every premium credit card, including the one I mentioned in the best card for travel hackers, will include good travel insurance but they never include "high risk activities".

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I take? Credit cards can be useful for one-off "low risk" trips. However, if you really just want the comfort of having comprehensive coverage without maintenance then an insurance policy is the best investment.

I've done the work and gone through what RATESDOTCA has to offer and I'm jumping from one complicated underwriter page to another.

By the way, I have a full review of the World Nomads travel insurance product and whether it's worth it or not but here's what you need to know:

What I love about World Nomads is that they are not afraid to spread the word about what is included and what is not when it comes to extreme sports.

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It is so comprehensive and relevant that you may not find an extreme sports activity that is not on the list.

You will notice that each activity corresponds to a level in the range of 1 to 3. By default, whether you get Standard or Plan Explorer, all level 1 activities are included.

So great, this sport is on the list of activities that are allowed while traveling. How does that actually translate into coverage?

Prices are Standard Plan $86 CAD and Explorer Plan $102 CAD. Both plans include Level 1 extreme sports coverage.

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To add all Level 2 extreme sports activities, there is an additional fee of $38.49 CAD. If you want Level 3 included, it's $68.43 CAD.

Of course, there are other differences in policies that I covered in my review of World Nomads travel insurance (coming soon), but from an activity perspective, it means a difference in plans.

If you're still in the process of shopping or just want to know what to expect for travel insurance, you can get a quote that includes the specific extreme sports you're thinking about by following these steps:

Step 1 - Get started by getting your initial quote by filling in your details from the link below.

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If all your activities are Level 1, no fees will be added. You will be charged whatever your highest activity level is on the list. For example, if you have one Level 3 activity and several Level 2 activities, it will charge you the additional Level 3 rate for your trip.

Step 4 - Look on the right side and see your travel insurance summary. You can also enter your email address to quote emailed to you.

While I honestly had difficulty finding other insurance providers that have a clearer definition of extreme or high-risk activities, I did not find TuGo.

At first I was excited that I found a Canadian travel insurance company that was more advanced when it came to extreme sports but once I dove into getting a quote, I found myself frustrated.

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Yes, it's great that it's customizable but I find myself really struggling to choose the emergency medical amount. At this point I realize that it is very difficult to choose between $2 million, $5 million, $100 million, or something in between.

Once I got to the sports add-on, I had to look for the various activities that I would do on the trip but it was not clear whether I had to select all the activities to cover or whether it would work like the "level system" that World Nomads has.

Lastly is the cost. By simply adding parachuting and scuba over 40 meters, you are looking at an additional cost of $ 151.80 CAD for the same trip I am sure to quote with World Nomads. That's more than double the cost of Level 2 and 3 add-ons.

Trying to find a Canadian travel insurance company that includes extreme sports is like trying to find a needle in a haystack. And when you find it, they make you jump through hoops to add it or force you to pay a ransom amount.

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If you think there's a remote possibility of doing outdoor activities that are considered extreme sports, make sure you're covered before you leave home.

Without a doubt, it's World Nomads. They have the most complete list of activities, sports and adventures for Canadians and at the most reasonable prices.

You will notice that in the list of extreme sports that snowboarding is there but only an advanced variant. To clear this, basic snowboarding within the limits of the resort is not considered extreme and therefore included in all plans. That said, what isn't covered are stunts and tricks so you're on your own if you're using a home park.

If you pay attention to the extreme sports page on World Nomads, you will see that this Level 3 activity only includes 1 jump. If you plan to do more than 1 tandem skydive, you will not be covered.

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Does travel insurance cover scuba diving if I have a Deep Diver certification where I can go down to 40m?

Scuba diving up to 30m is considered Level 1 for World Nomads which is included in all plans. If you plan to dive solo up to 40m, a Level 3 add-on is required.

As long as rock climbing below 6,000m outside, you are covered but this is considered a Level 3 extreme sport which is an added bonus with World Nomads.

With World Nomads, quad biking is a Level 1 extreme sport included in the Standard or Explorer plans.

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What is your experience with Canadian travel insurance and extreme sports? I want to hear your story. Just drop a comment below!

William is the Head of Awesome at Going Awesome Places which focuses on off the beaten path, outdoor adventure, and experiential travel. True passion lies in telling stories, inspiring

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