4 Best Adventure Travel Insurance Companies in 2025
While some travelers plan their vacations around rest and relaxation, others elect for more adrenaline-filled getaways. From scaling mountain peaks to diving into the depths of the ocean, there are endless ways to satisfy your thirst for adventure.
With great excitement often comes greater risks, which explains why many thrill-seekers choose to protect their trips with adventure travel insurance.
Key Takeaways
After evaluating all 19 providers and 100+ plans available in the Squaremouth marketplace, we have selected Tin Leg as the top company for adventure travel insurance in 2025. Below are our best adventure travel insurance plan recommendations to cater to more specific coverage types:
- Most Overall Adventure Travel Insurance: Tin Leg – Adventure
- Most Affordable Coverage: Battleface – Discovery Plan
- Most Sports and Activities Covered: Tin Leg – Adventure
- Best Medical Coverage: Tin Leg – Gold
What Factors We Considered
To ensure transparency and independence in selecting our travel insurance award winners, we base our decisions solely on Squaremouth marketplace sales data from the previous month, without any influence from insurance companies, business relationships, affiliates, or other external parties. Each award is given to the top-selling plans that meet the specific criteria outlined below.
- Most Overall Adventure Travel Insurance: Over 100 sales, adventure & sport filter selected, emergency medical coverage of at least $100,000, and medical evacuation coverage of at least $250,000, sorted by the highest to lowest number of policies sold.
- Most Affordable Coverage: Over 50 sales, adventure & sport filter selected, emergency medical coverage of at least $100,000, and medical evacuation coverage of at least $250,000, sorted by average premium from lowest to highest.
- Most Sports and Activities Covered: Over 50 sales, the policy offering the most sport/activity-related benefits.
- Best Medical Coverage: Over 50 sales, adventure & sport filter selected, primary medical filter selected, emergency medical coverage of at least $100,000, and medical evacuation coverage of at least $250,000, sorted by the highest to lowest number of policies sold.
Best Overall Adventure Travel Insurance
Tin Leg
- Best Plan: Adventure
- Covers 400+ adventure sports and activities, more than than any other travel insurance policy listed on Squaremouth
- The most popular adventure travel insurance plan, chosen by more than 15% of adventure travelers on Squaremouth
- Provides up to $1,000,000 in coverage for medical evacuations, the highest reimbursement limit of any comprehensive plan on Squaremouth
- Trip Cancellation coverage for trip costs up to $50,000, making it a great option for luxurious adventures
Many travel insurance policies have strict restrictions and exclusions when it comes to adventure tourism. That’s why Tin Leg Adventure is our favorite policy when it comes to protecting trips that include sports and activities. Not only does it cover the widest range of adventure sports of any policy found on Squaremouth, protecting 400+ unique activities, but it also includes up to $1,000,000 in Medical Evacuation coverage, up to $100,000 in reimbursement for unexpected medical expenses, and well-rounded protection against other common travel disruptions.
More importantly, Tin Leg Adventure includes a suite of sports-related benefits that are not typically found in most plans. This includes coverage for Sports Equipment Loss, Sports Equipment Delay, and Sports Fee Loss.
Most Affordable Adventure Travel Insurance
battleface
- Best Plan: Discovery Plan
- The least expensive comprehensive travel insurance plan among adventurers, with an average premium of $119, less than half the overall average of $268
- Unique ‘build-your-own’ approach to trip protection allows customers to add or omit benefits like Travel Delay, Baggage Loss, and Medical Evacuation to their coverage, so you only pay for the coverage you need
- Can provide up to $100,000 in medical coverage for sports-related injuries, higher than most comprehensive policies at this price point
Protecting a vacation can be expensive, especially if your trip involves adventure activities that require a specific type of coverage. Battleface provides a cost-effective way for adventure-lovers to safeguard their getaways with their innovative Discovery plan, which comes standard with Trip Cancellation insurance. From there, travelers can pick and choose which benefits they want to add to their protection, such as Travel Delay, Baggage Loss, and Medical Evacuation. Discovery also extends coverage for popular activities like hiking, scuba diving, and white water rafting, among others.
For budget-conscious travelers, this customizable approach to travel insurance can lead to cost savings while still maintaining strong coverage in key areas.
Most Sports and Activities Covered
Tin Leg
- Best Plan: Adventure
- The top overall travel insurance plan for adventurers, with coverage for more than 400 sports and activities, such as scuba diving, skiing, and horseback riding
- Includes the most robust coverage for adventure-related activities, including benefits like Sports Equipment Loss and Sports Fee Loss
- One of the few policies on Squaremouth that offers Sports Equipment Delay coverage, a benefit found in less than 15% of travel insurance policies
Finding travel protection for niche adventures can be challenging. Tin Leg addresses this hurdle with its Adventure plan, which covers the widest range of sports and activities of any plan found on the Squaremouth platform. From hiking to paragliding to safaris, the policy is built to safeguard your itinerary no matter how action-packed it may be. Tin Leg Adventure doesn’t skimp on coverage, either, offering benefits that appeal to adventurers such as up to $1,000,000 in Medical Evacuation coverage, $500 in Sports Equipment Delay coverage, and Trip Cancellation protection for trips up to $50,000.
Tin Leg Adventure is currently the most popular adventure travel insurance policy, making it a safe option to protect your upcoming trip.
Best Medical Coverage
Tin Leg
- Best Plan: Gold
- Offers up to $500,000 in Emergency Medical coverage, five times more than Squaremouth typically recommends for adventure travelers
- Comes standard with up to $500,000 in Medical Evacuation insurance, which is double Squaremouth’s recommendation for adventure travelers and among the best reimbursement limits of any comprehensive plan
- Covers more than 250 unique adventure sports and activities, which is more than other travel insurance policies that offer comparable medical benefits
For adventurers who want more protection from unexpected medical expenses, we recommend Tin Leg Gold. While more expensive than their Adventure plan, it offers up to five times as much Emergency Medical coverage. Similar to Adventure, Tin Leg Gold also comes standard with strong Medical Evacuation protection, with $500,000 in coverage, and covers a wide range of different sports and activities.
In addition to being great for adventures and medical coverage, Tin Leg Gold is also one of the most popular policies on Squaremouth overall, accounting for roughly 13% of all travel insurance sales.
What is Adventure Travel Insurance?
Adventure travel insurance is a specialized type of coverage that caters to the unique challenges that come with adventure tourism. This includes reimbursement for injuries sustained while participating in a covered activity, as well as protection for sports equipment you choose to bring.
Common sports and activities that can be covered by adventure travel insurance include:
- Skiing
- Scuba diving
- Hiking
- Mountain biking
- Safari expeditions
- Surfing
In addition to these popular sports and activities, the best adventure travel insurance companies also provide coverage for more niche sports like paragliding, skydiving, and white water rafting.
If you’re traveling as part of an organized group, your tour operator may require you to purchase travel insurance that provides coverage for the duration of your trip. Even if not required, getting protection to cover unexpected accidents is strongly recommended.
Top Sports-Related Travel Insurance Benefits
From your health to your equipment, the best travel insurance policies for adventure trips provide extensive coverage for sports-related disruptions.
Below are a few benefits to keep in mind when comparing adventure travel insurance plans:
- Sports & Activities: Extends medical coverage to injuries or illnesses sustained while participating in an adventure activity during your trip. Exclusions and limitations may apply.
- Sports Equipment Loss: Provides reimbursement for lost, damaged, or stolen sports equipment.
- Sports Equipment Delay: Covers rental costs in the event your sports equipment is delayed en route to your final destination.
- Sports Weather Loss: Covers your relevant prepaid, non-refundable trip costs, such as green fees or lift tickets, if you’re forced to cancel your activity due to inclement weather.
- Search & Rescue: Covers some or all expenses related to an organized rescue mission in the event you go missing while participating in a recreational activity during their trip.
- Sports Fees: Reimburses your prepaid, non-refundable sports fees in the event you’re forced to cancel or interrupt your trip due to a covered reason.
Do You Need Adventure Travel Insurance?
If you’re traveling as part of an organized group, your tour operator may require you to purchase insurance prior to arriving at your destination. Even if travel protection is not a requirement for your adventure, it is strongly recommended that you purchase a policy that provides medical coverage for the duration of your trip.
Getting injured while traveling, especially in remote parts of the world, can be costly if not properly covered. Travel insurance ensures you’re financially protected if your upcoming adventure takes an unexpected turn for the worse.
How to Find Travel Insurance That Covers Adventure Sports & Activities
Finding adventure travel insurance policies is easier than ever. As with any type of insurance policy, it’s always recommended to compare policies from multiple providers before making a purchase decision.
A good place to start is our Adventure Sports hub page. From there, you can select the activities you plan on participating in during your trip. Our platform will then find all the policies available that explicitly cover your itinerary.
You can also apply the ‘Sports & Activities’ filter on the results page after beginning a quote. This will narrow your search down to policies that provide coverage for various adventure activities. Specific coverage information can be found within a policy’s Certificate of Insurance.
If you have questions about adventure travel insurance or need assistance finding a policy that will cover your upcoming itinerary, please don’t hesitate to contact our award-winning customer service department. We can be reached at 1-800-240-0369 from 8 AM to 10 PM ET daily.
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