Adventure Trip? Your Travel Insurance May Cover ₹0

Standard travel insurance usually excludes adventure sports like trekking, rafting, and scuba diving. If you get injured doing these activities abroad or in India, your insurer can reject the entire claim. You need a special add-on or dedicated adventure policy.

Here's what happened: Standard travel insurance policies in India exclude most adventure sports — trekking above certain altitudes, scuba diving, rafting, paragliding, and bungee jumping are commonly listed as exclusions.. IRDAI-regulated insurers allow add-on adventure sports riders that extend cover to these activities, but travellers must opt in and pay an additional premium before departure.. Medical evacuation costs from remote adventure locations — helicopters, specialist hospitals — can run ₹3–5 lakh or more, making a gap in cover financially devastating..

What you should do: Read the exclusions page of your travel policy right now — search for the words 'adventure', 'hazardous', or 'extreme sports' to find what is not covered.. Call your insurer or broker before booking an adventure trip and ask specifically for an adventure sports rider; confirm the altitude limit and the list of covered activities in writing.. Compare travel policies on IRDAI-registered aggregators that let you filter by adventure cover, and check that medical evacuation is included — not just hospitalisation..

Declare every planned activity at the time of policy purchase. Insurers can void your entire claim — even for unrelated injuries on the same trip — if they find an undisclosed high-risk activity.

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