Adventure Racing Travel Insurance

What is adventure racing?

Adventure racing is a multidisciplinary endurance sport combining navigation with outdoor activities such as trail running, mountain biking, kayaking, and climbing. These races can range from short sprints to multi-day expeditions, and often take place in rugged or remote locations. Participants must navigate checkpoints using maps and compasses, pushing physical and mental limits in wild terrain.

Do I need travel insurance for adventure racing?

Absolutely. Adventure racing involves physically demanding activities in unpredictable environments. Travel insurance that covers adventure racing protects you against trip cancellations and injuries, which is especially important when participating in international or remote events where emergency services may be limited.

Why choose us?

• Specialist cover for endurance races and multi-activity events
• Customisable policies for individuals or racing teams
• Coverage available for amateurs and seasoned adventure racers
• No hidden exclusions – clear terms for adventure sports

What is included in adventure racing insurance?

Adventure racing insurance typically includes emergency medical treatment, evacuation, and repatriation. It can also cover the loss or damage of clothing or accessories and trip interruption due to illness or injury.

Does standard travel insurance include adventure racing cover?

No, most standard travel insurance policies exclude high-risk adventure sports. Always choose a policy that specifically includes adventure racing to ensure you're fully protected.

Can I take out adventure racing insurance if I have a medical condition?

Possibly. Depending on your health history and medical declaration an insurer can still offer cover, although extra premiums or exclusions might apply. You’ll need to declare any pre-existing conditions when applying.

Is there a maximum age for adventure racing travel insurance?

Some policies do impose age restrictions due to the physical demands of the sport. However, cover is often still available for fit and experienced racers of various ages. We would always suggest checking policy terms carefully.

Best places for adventure racing

Adventure racing takes place worldwide, often in stunning and remote landscapes:

• New Zealand – Home to iconic expedition races through diverse terrain.
• Patagonia, Chile – Wild, remote, and perfect for endurance racing.
• Sweden – Hosts several Nordic adventure challenges with navigation and mountain biking.
• Canada – Alpine forests, rivers, and long-range races in rugged conditions.
• Utah & Colorado (USA) – Desert and mountain-based adventure events.
• France – The Alps and Pyrenees offer epic terrain for elite racing events.

What to pack for adventure racing when going on holiday

You've likely been training for a while, but being well-prepared can make or break your race experience:

• Trail shoes or mountain biking shoes (depending on race format)
• Weatherproof and breathable clothing layers
• Compass, maps, and navigation tools
• Hydration pack and nutrition supplies
• Helmet, gloves, and race-approved safety gear
• Basic first aid kit
• Headlamp and extra batteries
• Copy of your insurance documents and emergency contacts

Common adventure racing injuries and how travel insurance can help

Due to the challenging environments, common injuries include:

• Dehydration and heat exhaustion
• Sprained ankles or knees from uneven terrain
• Cuts, abrasions, and bruises from crashes or falls
• Overuse injuries like tendonitis or stress fractures

Insurance can cover medical treatment, transport to hospital, specialist evacuation, and trip interruptions caused by injury.

Tips for participating in adventure racing

• Train for endurance across multiple disciplines
• Check and test your gear before the race
• Stay fuelled and hydrated throughout
• Know the route and have strong navigation skills
• Prepare for all weather conditions