Gap Year Travel Insurance For Adventure Sports Lovers

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Why Adventure Sports Cover Matters

Gap years are often packed with adrenaline—from skydiving and bungee jumping to scuba diving and skiing. But not every travel insurance policy includes these as standard, and many activities are excluded unless you buy an add-on.

Commonly Covered Activities

Trekking (up to certain altitudes)
Scuba diving (up to 30m)
Kayaking & paddleboarding
Snorkelling

Often Excluded or Add-On Required

Skydiving
Bungee jumping
Motorcycling
Extreme mountain climbing

Adventure Sports Comparison Table

Activity	Outbacker	CoverForYou	Coverwise
Trekking	Up to 5,500m (standard)	Up to 4,500m (add-on)	Up to 3,500m (standard)
Scuba Diving	Up to 30m (standard)	Up to 30m (standard)	Up to 20m (standard)
Skydiving	Add-on required	Add-on required	Excluded

Always read the policy wording to check exactly what’s included.

FAQs

Q: Does travel insurance cover me if I’m injured while skiing?

A: Many gap year policies require you to buy a winter sports add-on for skiing or snowboarding. Always check before you hit the slopes.

Q: What’s the altitude limit for trekking?

A: This varies by insurer. Outbacker typically covers trekking up to 5,500m, while others may cap at 3,500m. Always check policy details.

How to Stay Covered

Check the Full Activity List: Every insurer publishes a full list of covered activities.
Know the Limits: Some sports have altitude or depth limits.
Add Extra Cover: For high-risk activities, pay for an add-on.
Get Written Confirmation: Always confirm cover in writing if unsure.