Is Your Travel Insurance Ready for Adventure?

At HUB SmartCoverage, we know Canadians don’t just travel for rest, they travel for adventure. Whether it’s skiing the Rockies, scuba diving in Belize, or skydiving over New Zealand, more and more travellers are including high-adrenaline activities in their vacation plans.

But here's a hard truth: most standard travel medical insurance policies don’t cover high-risk or extreme activities.

You may assume you’re protected by your workplace benefits, credit card insurance, or even a basic travel medical policy, but these options often come with exclusions. Without the right coverage, a single accident could result in thousands (or even hundreds of thousands) in out-of-pocket medical expenses.

What Activities Are Often Excluded?

Insurance providers define high-risk activities differently, but standard exclusions may include:

• Skydiving
• Scuba diving (especially beyond specific depths or without certification)
• Rock or ice climbing
• Hang gliding
• White-water rafting
• Skiing, heli-skiing, or ski jumping
• Motor vehicle racing or stunt driving
• Competitive or endurance sports
• Even popular tourist activities—like jet skiing or zip-lining—could fall into a grey area.

Don’t Risk Financial Fallout

Before you book that excursion, be confident you have the coverage you need. At HUB SmartCoverage, we’ll help ensure your policy matches your plans, so you can explore confidently, knowing you’re covered where it counts. Click here to begin your online quote.