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Sports & adventure travel insurance

Cover that keeps up with your kind of trip.

  • 400+ activities covered

  • Rated 'Excellent' on Trustpilot

  • UK customer service team

  • Single trip or annual cover

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Why choose Ripe for sports & adventure travel insurance?

Ripe arranges specialist sports & adventure travel insurance with over 20 years of experience in sports, cycling and golf insurance, and is rated 'Excellent' on Trustpilot. Ripe has designed sports and adventure travel insurance, so policies are built around the activities that make the trip, allowing you to travel, compete and enjoy your sport or activity with confidence. 

  • Cover for the activities you actually do

    From ski slopes to summits, dive sites to singletrack - over 400 sports and adventure activities can be covered as standard, not bolted on as an afterthought.

  • Cover for your kit and equipment

    Your owned and hired sports equipment can be covered under your policy, so the gear you travel with is financially protected against loss, theft, and damage, and is also covered when in use. 

  • Take your cover further with optional extras

    Add gadget cover, extend to worldwide travel, or step up to an annual multi-trip policy - build the protection that matches your trip and your plans. 

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Specialist sports and adventure travel insurance

An adventurous trip is something personal. It's the training, the planning and the anticipation, shaped around how you like to travel and spend your time. Specialist cover by Ripe can protect self-guided and organised trips alike, including things like emergency medical treatment, lost or damaged kit, and personal accident for you and your travelling companions.

Whatever your thing - a first alpine ski week or a months-long expedition - this cover is designed to be quick and easy to arrange. So you can spend less time thinking about insurance and more time out there.

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What does adventure travel insurance cover?

Sports and adventure travel insurance by Ripe can cover emergency medical costs, your equipment, and cancellation. Plus optional extras such as worldwide travel, gadget cover, and annual multi-trip.

  • Emergency medical & repatriation - up to £10m, including mountain rescue and air ambulance

  • Activity equipment - cover for owned and hired kit against loss, theft and damage

  • Cancellation & curtailment - money back if injury or illness stops or cuts short your trip

  • Personal accident & personal liability

  • Baggage, passport and travel document cover

  • 24/7 emergency assistance helpline

  • Trip disruption - cover for missed departures and travel delay

  • Worldwide cover - UK, Europe, Worldwide (excluding USA and Canada)

  • Worldwide cover - UK, Europe, Worldwide (including USA and Canada)

  • Gadget cover - phones, cameras and action cameras up to a set limit

  • Annual multi-trip - unlimited trips across the year up to a per-trip day limit

  • Extended activity pack - higher-risk activities such as off-piste, high-altitude trekking and deeper dives

  • Excess waiver - reduce or remove the excess on a claim

  • Activities outside the agreed list or above stated altitude/depth limits

  • Claims arising from alcohol or drug misuse

  • Professional or paid competitive participation, unless declared

  • Pre-existing medical conditions not declared and accepted

  • Travel against Foreign Office (FCDO) advice

FAQ Do I need specific travel insurance for adventure travel?

Standard travel insurance often excludes sports and adventure activities, or covers only a short list of them, and cover can fall away the moment you clip into skis or step onto a dive boat.

Adventure travel cover through Ripe is built around the activity, offering the benefits of a standard travel policy but tailored to what you've actually got planned - so you're covered for the reason you're going, not just the flight and the hotel.

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What sports & activities can I get sports travel insurance for?

Ripe can arrange cover for over 400 sports and activities as standard. Popular sports include:

  • Cycling

  • Golf

  • Skiing and snowboarding

  • Adventure sports

  • Skydiving

  • Diving

  • Kayaking, sailing, paddleboarding

  • Athletics

  • Football

Plus many more. The best way to find out if your sports or activities are covered is to get an online quote.

What do you need to get a quote?

Setting up a policy through Ripe is quick to do. To speed things up, have the following to hand:

  • Your trip - destination(s), and travel dates or how long you're going for

  • Your activities - the main things you've got planned, and any at altitude, depth or off-piste

  • Travellers - who's covered, and their ages

  • Trip type - a single trip, or annual multi-trip if you travel often

  • Any pre-existing medical conditions to declare

For guidance on travelling safely, you can check the latest FCDO travel advice for your destination.

Sports & Adventure travel FAQs

  • The cost depends on factors like your destination, trip length, the activities you've chosen, the number and age of travellers, and whether you add optional cover such as worldwide or annual multi-trip. The quickest way to check is to get an online quote.

  • Over 400 sports and adventure activities can be covered. Some higher-risk activities, or activities above certain altitude or depth limits, may need to be added via an optional extended activity pack. You'll see what applies as you build your quote.

  • Single trip suits a one-off holiday or expedition. If you travel several times a year, annual multi-trip usually works out better value and covers unlimited trips up to a per-trip day limit.

  • Yes - owned and hired activity equipment can be covered against loss, theft and damage, up to policy limits. High-value items may need to be specified.

  • You'll need to declare the activities you plan to do and any pre-existing medical conditions for everyone on the policy, so cover is accurate and valid when you need it.

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