Standard visitor insurance excludes high-risk adventure activities. If your visitors plan to ski in Colorado, dive in Florida, or hike challenging trails, standard coverage won't apply to those injuries. Here's how to get proper adventure sports coverage.
Quick Answer
WorldTrips Atlas America offers an optional adventure sports rider covering skiing, snowboarding, scuba diving, mountain biking, and other high-risk activities. Without this rider, injuries from excluded activities are not covered by any standard visitor insurance plan.
Frequently Asked Questions
Does visitor insurance cover ski injuries?
Standard visitor insurance does NOT cover skiing injuries — it's classified as a high-risk activity. WorldTrips Atlas America's adventure sports rider adds this coverage.
What activities are excluded from standard visitor insurance?
Typically: skiing/snowboarding, scuba diving, skydiving, bungee jumping, rock climbing, mountain biking (competitive), white-water rafting, and most motorsports.
Which visitor insurance includes adventure sports coverage?
WorldTrips Atlas America offers the most comprehensive adventure sports add-on. IMG and Trawick offer more limited adventure coverage — check the specific plan document.
Is hiking covered by visitor insurance?
Casual hiking on established trails is generally covered. Technical mountaineering, rock climbing, and off-trail extreme hiking may be excluded. Check your plan's specific activity list.
How much extra does the adventure sports rider cost?
WorldTrips Atlas America's adventure sports rider typically adds $3–$8/day to the base premium depending on age and coverage level.
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