12 activities your travel insurance might not cover

Your travel insurance might not be as adventurous as you. Make sure to check the small print, travel experts warn

Underwater photo. Happy family snorkelling in tropical sea
(Image credit: Getty Images)

If you’re planning an adventurous holiday escapade, you might want to check if your travel insurance policy covers everything you want to do. 

Whether you’re planning a last-minute holiday, travelling to a cheap country or ticking off your bucket list by visiting the most expensive cities in the world, travel insurance is often the last thing on your mind. 

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Activity% of single-trip policies with standard cover% of annual policies with standard cover
Quad biking3%7%
Overwater rafting (Grade 4)21%24%
Jet skiing50%51%
Sea kayaking50%52%
Bungee Jumping59%59%
Horse riding70%73%
Hot air ballooning81%82%
Parasailing over water92%91%
Scuba diving93%93%
Banana Boating95%94%
Snorkelling98%97%
Road Cycling98%97%
Oojal Dhanjal
Editorial Content Producer

Oojal has a background in consumer journalism and is interested in helping people make the most of their money.Oojal has an MA in international journalism from Cardiff University, and before joining MoneyWeek, she worked for Look After My Bills, a personal finance website, where she covered guides on household bills and money-saving deals.Her bylines can be found on Newsquest, Voice Wales, DIVA and Sony Music, and she has explored subjects ranging from politics and LGBTQIA+ issues to food and entertainment.Outside of work, Oojal enjoys travelling, going to the movies and learning Spanish with a little green owl.