Check the activity list
Policies list covered and excluded activities. Common exclusions include off-piste skiing, diving below a set depth, high-altitude trekking, skydiving and riding a motorbike without a valid license.
Upgrades
Many insurers sell an adventure or winter sports add-on that covers the activity itself, rescue costs, and sometimes equipment and lift passes.
Rescue and evacuation
Mountain rescue and air evacuation can be very expensive. Look for high evacuation limits and confirm search and rescue is included.
Thailand and Southeast Asia
Scooter accidents are among the most common claims. Many policies won't pay unless you hold a motorcycle license valid at home and wore a helmet. See our Thailand guide.
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General information only, not insurance advice. Coverage varies by plan, state and country. Always read the policy wording before you buy.