Best Travel Insurance for Sports 2018

For sports and adventure enthusiasts, knowing that you and your sports equipment will be protected when travelling is crucial. Below, you'll be able to compare our top travel insurance picks for sports-related trips based on budget and activity.

Best Travel Insurance for Winter Sports

{"items":["\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" target=\"_blank\" title=\"FWD\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E ","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Etiqa - Image\" data-eventlabel=\"Etiqa\" target=\"_blank\" title=\"Etiqa\" rel=\"nofollow noopener\" href=\"\/redirect?link=http%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Faffiliate%2Ftravel%3Freferral%3DValuePenguin%26utm_source%3DValuePenguin%26utm_medium%3Dwebsite%C2%A0%C2%A0%C2%A0\"\u003E\u003Cimg alt=\"Etiqa\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Etiqa - Button\" data-eventlabel=\"Etiqa\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa\" href=\"\/redirect?link=http%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Faffiliate%2Ftravel%3Freferral%3DValuePenguin%26utm_source%3DValuePenguin%26utm_medium%3Dwebsite%C2%A0%C2%A0%C2%A0\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E ","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cimg alt=\"AXA Insurance\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\u003Cp\u003E"],"offsetPercentage":20}

If you travel to participate in winter sports activities like skiing or snowboarding, FWD, Etiqa and AXA are great options to consider as they cover winter sports-related medical expenses and/or equipment damage. Etiqa and FWD are great budget options, as they have some of the cheapest travel insurance prices on the market. While FWD's plans are usually a little more expensive than Etiqa's, FWD is slightly more comprehensive because it provides up to S$2,000 of equipment coverage for an additional S$8. Considering that sporting equipment is expensive and repairs can be costly, this is a great option to consider. AXA may also be a great high-value choice if you are more flexible with price, since AXA's plans have more medical expenses and personal accident coverage than Etiqa and FWD, while also offering the option to pay a little more to add a S$3,000 sports equipment cover.

Promotions

  • FWD: 25% off with " BestTravel" for Annual Plans
  • Etiqa: 60% off single-trip and 40% off annual-trip travel insurance with “TRAVEL60“

Best Annual Plans for Winter Sports

{"items":["\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Image\" data-eventlabel=\"Aviva\" target=\"_blank\" title=\"Aviva\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Flogin.aviva.com.sg%2Fgi%2Ftravel%2F%23%2FgetQuote%3FaffCode%3DVP001\"\u003E\u003Cimg alt=\"Aviva\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Button\" data-eventlabel=\"Aviva\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Flogin.aviva.com.sg%2Fgi%2Ftravel%2F%23%2FgetQuote%3FaffCode%3DVP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E ","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Direct Asia Insurance - Annual - Image\" data-eventlabel=\"Direct Asia Insurance - Annual\" target=\"_blank\" title=\"Direct Asia Insurance - Annual\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fsecure.directasia.com%2Ftravel%2Fquote%2Fstart%3Futm_source%3DValuePenguin%26utm_medium%3Dreferral%26utm_campaign%3DVPTRA\"\u003E\u003Cimg alt=\"Direct Asia Insurance - Annual\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-3\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-3 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-3 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Direct Asia Insurance - Annual - Button\" data-eventlabel=\"Direct Asia Insurance - Annual\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Direct Asia Insurance - Annual\" href=\"\/redirect?link=https%3A%2F%2Fsecure.directasia.com%2Ftravel%2Fquote%2Fstart%3Futm_source%3DValuePenguin%26utm_medium%3Dreferral%26utm_campaign%3DVPTRA\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E ","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cimg alt=\"American Express\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

If you go on ski or snowboarding trips several times a year and want a sports-focused annual plan, Direct Asia, American Express and Aviva may be good options as their coverage is quite comprehensive and their prices remain competitive even with the adventurous activity add-ons. However, unlike the other two, Direct Asia only offers extreme sports coverage for its annual plans, which costs between S$214 to S$344 depending on destination and plan. Aviva is a great value for winter sports as it has competitive pricing and covers medical, accident, equipment damage and deposit loss expenses. While American Express is the most expensive, with single trip premiums including winter sports cover ranging from S$74-S$98.80 and annual premiums S$421-$655, it covers everything ski or snowboard related, from replacement of ski lift passes to ski equipment and medical coverage.

Summary of Coverage of Winter Sports Plans

Aviva PlusFWD BusinessEtiqa EconomyAmEx StandardMSIG EliteDirect Asia 200AXA Comp.
1-Week ASEAN priceS$41.13^S$39.37^S$30.78S$42.25^S$32N/AS$70.85
Annual ASEAN PriceS$289^S$241.54^S$202.34S$269^S$242.25S$214.56^S$609
Medical CoverageS$2,000,000S$500,000S$500,000S$1,000,000S$500,000S$200,000S$660,000
Personal AccidentS$100,000S$300,000S$300,000S$250,000S$200,000S$300,000S$1,050,000
Trip InconvenienceS$22,000S$16,100S$13,700S$17,400S$17,000S$14,000S$26,000
Sports EquipmentS$3,000S$2,000N/AS$3,000N/AN/AS$3,000
Hired Sports EquipmentS$500N/AN/AS$500N/AN/AN/A
Loss of deposit of Ski PassS$500N/AN/AS$250N/AN/AN/A
Piste ClosureS$1,000N/AN/AS$250N/AN/AN/A
^ Premium includes optional winter sports or adventure cover

Best Travel Insurance for Water Sports

{"items":["\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Etiqa - Image\" data-eventlabel=\"Etiqa\" target=\"_blank\" title=\"Etiqa\" rel=\"nofollow noopener\" href=\"\/redirect?link=http%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Faffiliate%2Ftravel%3Freferral%3DValuePenguin%26utm_source%3DValuePenguin%26utm_medium%3Dwebsite%C2%A0%C2%A0%C2%A0\"\u003E\u003Cimg alt=\"Etiqa\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Etiqa - Button\" data-eventlabel=\"Etiqa\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa\" href=\"\/redirect?link=http%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Faffiliate%2Ftravel%3Freferral%3DValuePenguin%26utm_source%3DValuePenguin%26utm_medium%3Dwebsite%C2%A0%C2%A0%C2%A0\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E ","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" target=\"_blank\" title=\"FWD\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E ","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Direct Asia Insurance - Single - Image\" data-eventlabel=\"Direct Asia Insurance - Single\" target=\"_blank\" title=\"Direct Asia Insurance - Single\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fsecure.directasia.com%2Ftravel%2Fquote%2Fstart%3Futm_source%3DValuePenguin%26utm_medium%3Dreferral%26utm_campaign%3DVPTRS\"\u003E\u003Cimg alt=\"Direct Asia Insurance - Single\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-3\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-3 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-3 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Direct Asia Insurance - Single - Button\" data-eventlabel=\"Direct Asia Insurance - Single\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Direct Asia Insurance - Single\" href=\"\/redirect?link=https%3A%2F%2Fsecure.directasia.com%2Ftravel%2Fquote%2Fstart%3Futm_source%3DValuePenguin%26utm_medium%3Dreferral%26utm_campaign%3DVPTRS\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E ","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Image\" data-eventlabel=\"Aviva\" target=\"_blank\" title=\"Aviva\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Flogin.aviva.com.sg%2Fgi%2Ftravel%2F%23%2FgetQuote%3FaffCode%3DVP001\"\u003E\u003Cimg alt=\"Aviva\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Button\" data-eventlabel=\"Aviva\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Flogin.aviva.com.sg%2Fgi%2Ftravel%2F%23%2FgetQuote%3FaffCode%3DVP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

People who prefer to engage in water-based sports like white-water rafting, parasailing and scuba-diving can find substantial coverage with insurers like Aviva, FWD, Etiqa, Direct Asia and MSIG. FWD and Etiqa are great budget-friendly options and offer coverage for basic water sports like scuba diving (no deeper than 30 metres) and canoeing. FWD also offers S$2,000 of sports equipment coverage for S$8 extra so you are covered for any related gear you bring with you. If you are travelling as a couple, AXA's annual 2-person plan may end up being a great deal as it comes to a competitive per person price, offers above average medical coverage and covers you for scuba-diving and white-water rafting.

MSIG and Direct Asia give you full coverage for jet skiing, white water rafting, canoeing and diving. However, Direct Asia's adventure cover is only available for annual plans and you'll have to pay an additional amount to receive the cover, bringing your total annual cost between S$214 and S$344. In contrast, MSIG, FWD and Etiqa's plans include these coverage options as a default. If you are looking for a plan with a specific water sports add-on to ensure maximum coverage, Aviva's optional water sports coverage includes death and permanent disablement, medical, loss of water sports equipment and hire of water sports equipment coverage. However it'll only cover canoeing, kayaking and white-water rafter in below level 3 waters.

  • FWD: 25% off with " BestTravel" for Annual Plans
  • Etiqa: 60% off single-trip and 40% off annual-trip travel insurance with “TRAVEL60“
  • MSIG: 50% off Single Trip; 20% off Annual Plans

Summary of Coverage for Water Sports Plans

Aviva PlusFWD BusinessEtiqa EconomyMSIG EliteDirect Asia 200AXA Comp.
1-Week ASEAN price (Inc. sports coverage)S$41.29^S$39.37^S$30.78S$32N/AS$70.85
Annual ASEAN Price (Inc. sports coverage)S$295^S$241.54^S$202.34S$242.25S$214.56^S$609
Medical CoverageS$2,000,000S$500,000S$500,000S$500,000S$200,000S$660,000
Personal AccidentS$100,000S$300,000S$300,000S$200,000S$300,000S$1,050,000
Trip InconvenienceS$22,000S$16,100S$13,700S$17,000S$14,000S$26,000
Sports EquipmentS$3,000S$2,000N/AN/AN/AS$3,000
Hired Sports EquipmentS$500N/AN/AS$500N/AN/A
^ Premium includes optional water sports or adventure coverage

Best Travel Insurance for Miscellaneous Adventurous Activity

{"items":["\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Etiqa - Image\" data-eventlabel=\"Etiqa\" target=\"_blank\" title=\"Etiqa\" rel=\"nofollow noopener\" href=\"\/redirect?link=http%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Faffiliate%2Ftravel%3Freferral%3DValuePenguin%26utm_source%3DValuePenguin%26utm_medium%3Dwebsite%C2%A0%C2%A0%C2%A0\"\u003E\u003Cimg alt=\"Etiqa\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/etiqa-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Etiqa - Button\" data-eventlabel=\"Etiqa\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa\" href=\"\/redirect?link=http%3A%2F%2Fwww.etiqa.com.sg%2Fonline%2Faffiliate%2Ftravel%3Freferral%3DValuePenguin%26utm_source%3DValuePenguin%26utm_medium%3Dwebsite%C2%A0%C2%A0%C2%A0\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E ","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" target=\"_blank\" title=\"FWD\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E ","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: BudgetDirect - Image\" data-eventlabel=\"BudgetDirect\" target=\"_blank\" title=\"BudgetDirect\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fad.doubleclick.net%2Fddm%2Ftrackclk%2FN439810.2754007VALUEPENGUINSG%2FB20138758.202207476%3Bdc_trk_aid%3D402016988%3Bdc_trk_cid%3D91319554%3Bdc_lat%3D%3Bdc_rdid%3D%3Btag_for_child_directed_treatment%3D\"\u003E\u003Cimg alt=\"BudgetDirect\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/budgetdirect-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/budgetdirect-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/budgetdirect-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: BudgetDirect - Button\" data-eventlabel=\"BudgetDirect\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"BudgetDirect\" href=\"\/redirect?link=https%3A%2F%2Fad.doubleclick.net%2Fddm%2Ftrackclk%2FN439810.2754007VALUEPENGUINSG%2FB20138758.202207476%3Bdc_trk_aid%3D402016988%3Bdc_trk_cid%3D91319554%3Bdc_lat%3D%3Bdc_rdid%3D%3Btag_for_child_directed_treatment%3D\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E ","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Direct Asia Insurance - Single - Image\" data-eventlabel=\"Direct Asia Insurance - Single\" target=\"_blank\" title=\"Direct Asia Insurance - Single\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fsecure.directasia.com%2Ftravel%2Fquote%2Fstart%3Futm_source%3DValuePenguin%26utm_medium%3Dreferral%26utm_campaign%3DVPTRS\"\u003E\u003Cimg alt=\"Direct Asia Insurance - Single\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-3\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-3 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/directasia-3 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Direct Asia Insurance - Single - Button\" data-eventlabel=\"Direct Asia Insurance - Single\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Direct Asia Insurance - Single\" href=\"\/redirect?link=https%3A%2F%2Fsecure.directasia.com%2Ftravel%2Fquote%2Fstart%3Futm_source%3DValuePenguin%26utm_medium%3Dreferral%26utm_campaign%3DVPTRS\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

If you intend to participate in miscellaneous outdoor activities like mountaineering, canoeing, hiking, skydiving or going on any kind of non-commercial aerial ride, AXA, DBS, Direct Asia, FWD, Etiqa, Budget Direct, MSIG can be good options provided you understand their terms and conditions. If you will be participating in common or tourist-related outdoor excursions like basic hiking, skiing in a resort or hot-air ballooning, FWD, Etiqa will give you adequate coverage while also the cheapest plans available on the market. Costing between S$18 and S$22 for a 1-week ASEAN plan, these plans automatically include coverage for basic sports activities that are deemed safe for the general public. If you are travelling as a couple, AXA's 2 person annual coverage will provide competitive rates while also fully covering you for adventurous activity and will let you trek up to 3,500 metres. Budget Direct is the best option for cost-conscious but very active individuals and families as it has the cheapest policies on the market but covers around 85 different activities.

DBS will cover the aforementioned activities, including mountaineering and white-water rafting provided you don't mountaineer above 3,000 metres or white-water raft in Grade 4 or higher waters. Direct Asia offers full extreme sports coverage only as an add-on for annual plans, so it may be a good choice for adventure enthusiasts who travel more than 5 times a year. In particular, its Travel 500 annual plan's price of S$344 also makes Direct Asia a good option, as you will be paying less than the industry average for all annual global plans (even ones not including sports coverage) and around the average for Asia and ASEAN regions.

  • FWD: 25% off with " BestTravel" for Annual Plans
  • Etiqa: 60% off single-trip and 40% off annual-trip travel insurance with “TRAVEL60“
  • MSIG: 50% off Single Trip; 20% off Annual Plans

Summary of Insurers Offering Miscellaneous Sports Coverage

AXA ComprehensiveFWD BusinessEtiqa EconomyDirect Asia 200DBS PremierBudget Direct Comp.
1-week ASEAN PremiumS$40.50S$31.20S$30.78S$28S$33.25S$23.06
Annual ASEAN PremiumS$301.95S$204S$202.34S$149S$232S$216
Medical CoverageS$660,000S$500,000S$500,000S$200,000S$500,000S$250,000
Personal Accident CoverageS$1,050,000S$300,000S$300,000S$300,000S$200,000S$250,000
Hiking/Trekking3,500mN/A3,000m4,000m3,000m5,000m
Hot Air Balloon ridesYesYesYesYesYesYes
Sky-diving/Bungee JumpingYesYesYesYesYesBungee (3 jumps)
Mountaineering (no rope/equipment)YesYesYesNo3,000mNo
Triathlon/Marathon (non-professional)NoN/AMarathonBothNoMarathon

Best Travel Insurance for Golf

{"items":["\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Image\" data-eventlabel=\"FWD\" target=\"_blank\" title=\"FWD\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003E\u003Cimg alt=\"FWD\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: FWD - Button\" data-eventlabel=\"FWD\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD\" href=\"\/redirect?link=https%3A%2F%2Fwww.fwd.com.sg%2Ftravel-insurance%2F%3Futm_source%3DAffiliate%26utm_medium%3DValuepenguin%26utm_campaign%3DNonAPI\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E ","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Image\" data-eventlabel=\"Aviva\" target=\"_blank\" title=\"Aviva\" rel=\"nofollow noopener\" href=\"\/redirect?link=https%3A%2F%2Flogin.aviva.com.sg%2Fgi%2Ftravel%2F%23%2FgetQuote%3FaffCode%3DVP001\"\u003E\u003Cimg alt=\"Aviva\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/aviva-2 2x\"\u003E\u003C\/a\u003E\n \u003C\/div\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: Aviva - Button\" data-eventlabel=\"Aviva\" class=\"AffiliateBanner--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aviva\" href=\"\/redirect?link=https%3A%2F%2Flogin.aviva.com.sg%2Fgi%2Ftravel%2F%23%2FgetQuote%3FaffCode%3DVP001\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E ","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cimg alt=\"AXA Insurance\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/axa-2 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E ","\n\u003Cdiv class=\"AffiliateBanner--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cimg alt=\"American Express\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/amex-1 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

If you are a golf-enthusiast, AXA, Sompo Elite, FWD, American Express and Aviva are great options for covering golfing-related expenses. If you are looking to protect your golfing equipment, you can opt for FWD's additional sports equipment coverage as it includes golf equipment. That way, whether you end up golfing or not, you'll still be protected from damage or loss. For those with very expensive golf clubs, American Express offers the highest coverage for golf equipment at S$5,000, although it has some of the highest premiums on the market.

Aviva has the most comprehensive golfing coverage (for an additional S$6.64 fee), which includes accidental loss or damage of equipment, hire of golfing equipment, damage of buggy, unused green fees and hole-in-one coverage. AXA also has a comprehensive golf coverage available as an add-on, but to get the best deal, it is best if you purchase their two-person annual policy—otherwise it is very expensive. Sompo includes golf cover in its premiums and covers for golf equipment, hole-in-one and green fees. However, you only get the full coverage if you purchase its Elite plan (S$52 for a 1-week ASEAN trip). Sompo's Deluxe plan will only give you S$500 of equipment loss or damage coverage, which may not be sufficient for golfers.

  • FWD: 25% off with " BestTravel" for Annual Plans
  • Etiqa: 60% off single-trip and 40% off annual-trip travel insurance with “TRAVEL60“
Aviva PlusAmEx StandardFWD BusinessMSIG EliteSompo DeluxeAXA Comprehensive
1-Week Asean PremiumS$35.67S$38.35S$31.20S$32S$26.95S$40.50
Annual ASEAN PremiumS$255S$255S$204S$242.25S$241.20S$301.95
Medical CoverageS$2,000,000S$1,000,000S$500,000S$500,000S$300,000S$1,500,000
Trip Inconvenience CoverageS$22,000S$17,400S$16,100S$17,000S$13,000S$26,000
Golf Coverage Additional CostS$6.64S$6S$8N/AN/AN/A
Golf Equipment CoverageS$2,000S$3,000S$2,000S$1,000S$500S$2,500
Hired Golf Equipment CoverageS$500N/AN/AN/AN/AS$500
Unused Green Fee CoverageS$500S$750N/AS$500S$250N/A
Hole-in-OneS$1,000S$300N/AS$500S$250S$500

Best Sports Travel Insurance Promotions

If you want to save more on your travel insurance, some insurers offer great discounts on their plans. Below, you'll find a list of the best travel promotions currently available for plans that focus on sports-related coverage, as well as the necessary promo codes.

  • FWD: 25% off with " BestTravel" for Annual Plans
  • Etiqa: 60% off single-trip and 40% off annual-trip travel insurance with “TRAVEL60“
  • MSIG: 50% off Single Trip; 20% off Annual Plans

Considerations

Across the board, there are activities that insurers will not cover, no matter how lenient they are in their adventurous activity policies. This includes traveling for competitive sports, participating in activities for reward or monetary gain, drag racing, trekking above a 3,500-4,000m, scuba diving unaccompanied below 30 metres and expeditions to undiscovered places. In short, you won't be covered if you are competing as a professional athlete or participating in extreme activity without a licensed guide. If you fit into these categories, you most likely already have coverage provided by your company or you'll have to find specific insurers that are designed for athletes.

However, if you are a going on a family ski vacation or hoping to go on a low-impact hike and want to err on the safer side, you will receive more than enough coverage from the above insurers, provided that you choose the right plan and add-ons. If you would like to learn more, we've prepared guides for our top picks for family-focused insurance plans and for the over-all best travel insurance policies.

Mary Leah Milnes

Junior Research Analyst

Comments and Questions

{"endpoint":"\/newsletter\/subscribe","style":"blue","title":"Keep up with our news and analysis.","version":"sidebar"}