General Description
Activity Holiday Insurance benefits can include medical expenses, personal liability, personal accident, cancellation, baggage cover, legal costs and emergency repatriation. You will have access to a 24 hour worldwide emergency helpline, 365 days a year.

Buying an activity holiday insurance policy is good value for money, as there is no comparison between the premium and the possible costs of any misfortune.

Types of Activities
As a general rule, there are at least 2 categories of activities for you to choose cover for. The lowest cost activities tend to include the following:
American football, archery, ballooning, bouldering, bunjee jumping, expeditions and trekking, football, glacier crossing, gliding, hang gliding, high diving (platform only), hockey (field only), horse riding, jetskiing, marathon/ triathlon, martial arts, microlighting, parachuting, paragliding, parascending, potholing/ caving (as part of a group only), powerboating as a passenger, rock climbing, rugby, scrambling, show jumping, sky diving, water skiing, white water boating/ rafting/ canoeing/ kayaking, yachting in territorial waters.

The higher cost activities tend to include the following:
Canyoning, motor rallying, mountaineering, overlanding, piloting an aircraft, polo, scuba diving over 30m, speed skating, yachting out of territorial waters.

Problems of Not Insuring
Hopefully your activity holiday will not produce any emergencies. But if there are any emergencies, activity travel insurance means you can call for help easily.

Insurance is particularly important if you are going on an activity holiday, as the risks are increased. The premium tends to reflect this added risk, but the cost of the insurance is no comparison to the possible cost of medical treatment, which can reach hundreds of thousands of pounds, especially in the USA. You may hear stories of people losing their homes by having to sell them to pay the medical bills. They should have had activity travel insurance, then they would have had a stress-free time as possible throughout their emergency.

Activity travel insurance offers many other benefits besides the medical cover, such as lost passports, stolen or lost baggage, or delays.