For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
We cover more than 250 activities on all travel insurance* plans for American travelers.
We’ve broken the activities up by Snow, Water, Air, Land, Sports and General Activities, and then further broken it down by what plan covers it.
We offer four plans: Standard, Explorer, Epic and Annual. The Standard and Annual Plans cover the same activities. The Explorer Plan covers all the activities in the Standard Plan, plus some extras. The Epic Plan covers the same activities in the Explorer and Standard Plans, plus additional ones.
As this list is long, we suggest you ‘control F’ (the computer shortcut for ‘find’) to locate the particular activity you are searching for. If you are hiking or rock climbing, be sure to know your maximum elevation so you can purchase the plan that will cover your entire adventure. If you don’t know, it might be best to purchase a higher tier plan (Explorer or Epic) if you think you may go to high altitudes.
Have fun!
Snow
Included for All Plans
- Bobsleigh
- Curling
- Dog sledding
- Glacier walking (up to 19,685 feet/6,000 meters)
- Ice climbing (up to 9,842 feet/3,000 meters)
- Ice fishing
- Ice hockey
- Ice Skating
- Skeleton
- Ski joring
- Skidoos
- Skiing (cross country/nordic skiing on marked trails)
- Skiing (dry slope)
- Skiing (Heli)
- Skiing (on piste or off piste within resort boundaries)
- Skiing (power assisted skiing)
- Skiing (snowblading)
- Sledding/Snow Sleds/Snow Sleighs (on snow)
- Sleigh rides
- Snow biking
- Snow kiting
- Snow mobiling
- Snow rafting
- Snowboarding (dry slope)
- Snowboarding (Heli)
- Snowboarding (on piste or off piste within resort boundaries)
- Snowshoeing
- Tobogganing
- Tubing on snow
Included for Explorer
- Bobsled (in snow)
- Glacier walking (up to 21,325 feet/6,500 meters)
- Heli-skiing / boarding
- Ice climbing (up to 21,325 feet/6,500 meters)
- Ski instructor or guide (paid or volunteer)
- Skiing (acrobatics, free-style, jumping, flying, stunting)
- Skiing (backcountry/outside of resort boundary/alpine ski touring)
- Skiing (by helicopter/snow cat)
- Skiing (racing)
- Skiing (terrain park within resort)
- Skiing with a miniwing (speed riding)
- Snowboarding (acrobatics, free-style, jumping, flying, stunting)
- Snowboarding (backcountry/outside of resort boundary/alpine ski touring)
- Snowboarding (by helicopter/snow cat)
- Snowboarding (racing)
- Snowboarding (terrain park within resort)
- Snowboarding instructor or guide (paid or volunteer)
Included for Epic
- Glacier walking (up to 26,247 feet/8,000 meters)
- Ice climbing (up to 26,247 feet/8,000 meters)
Water
Included for All Plans
- Angling
- Banana boat rides
- Barefoot water skiing
- Black Water Rafting (grades 1 - 5)
- Boating
- Canoeing
- Cave tubing (grades 1 - 5)
- Deep sea fishing
- Dragon boating
- Fishing (deep sea, inland, ice fishing)
- Hydrofoiling
- Hydrospeeding (grades 1-5)
- Jet boating
- Jet skiing
- Kayaking
- Kite boarding (on land or water)
- Kite surfing
- Outrigger canoeing
- Paddle boarding
- Polar Plunge
- Riverboarding (grades 1-5)
- Rock fishing
- Rowing
- Sail boarding
- Sailing
- Scuba diving (to 165 feet/50 meters)
- Sculling
- Sea canoeing
- Sea kayaking
- Snorkelling
- Spearfishing
- Stand up paddle surfing/paddle boarding
- Surf boat rowing
- Surfing
- Swimming
- Swimming with whales/whale sharks
- Wake skating
- Wakeboarding
- Water polo
- Water skiing
- White water kayaking
- White water rafting
- Windsurfing
- Yachting
Included for Explorer Plans
- Cave diving (to 165 feet/50 meters)
- Cavern diving (to 165 feet/50 meters)
- Diving
- Free diving (to 60 meters)
- Lifeguarding
- Scuba diving - paid or volunteer instructor or guide (to 165 feet/50 meters)
- Shark cage diving (to 165 feet/50 meters)
Included for Epic Plans
- Cave diving (to 196 feet/60 meters)
- Cavern diving (to 196 feet/60 meters)
- Cliff diving
- Deep water soloing
- Scuba diving (Cave or cavern diving to 196 feet/60 meters)
- Scuba diving (commercial to 165 feet/50 meters)
Air
Included for All Plans
- Acrobatics (gymnastics or trapeze)
- Aerial safari
- Airsoft
- Bungee/Bungy jumping
- Flying (as a passenger in a glider or ultralight)
- Flying (as a passenger in a private, licensed scheduled or chartered aircraft or helicopter)
- Gliding
- Indoor skydiving
- Kite flying
- Microflight
- Parascending (over land)
- Parasailing
- Speed flying
- Zip line
Included for Explorer Plans
- Ballooning
- Fly by wire
- Flying (as a passenger while stunt flying, performing aerobatics)
- Hang gliding
- High Wire
- Hot air ballooning
- Parachuting
- Paragliding
- Parapenting
- Skydiving
- Skydiving from hot air balloon
- Stunt flying
- Tandem skydiving
- Trapeze
Included for Epic Plans
- Aviation
- Flying (as a pilot or crew of any aircraft)
- Jet pack
Land
Included for All Plans
- Abseiling (indoor or outdoor, rap jumping, deepelling up to 9,842 feet/3,000 meters)
- rap jumping (up to 9,842 feet/3,000 meters)
- deepelling (up to 9,842 feet/3,000 meters)
- ATVs
- Backpacking
- Bicycle polo
- Bicycle touring
- BMX (on road / off road / on track / cross country)
- Bushcraft
- Bushwalking
- Camel riding / trekking
- Camping (up to 19,685 feet/6,000 meters)
- Canyon swing
- Canyoning
- Dune buggy
- Elephant riding / trekking
- Fell running / walking
- Go karting
- Hiking or tramping (up to 19,685 feet/6,000 meters)
- Horse riding (equestrian, dressage, show jumping, eventing, polo)
- Horse riding (leisure, social, bare back, non-competitive riding)
- Horse Trekking
- Hunting (excluding big game)
- Land surfing
- Motor biking (on or off road, trail bike riding)
- Motor biking (pillion passenger)
- Motor racing experience (passenger only)
- Motorcycling (no coverage for motorcycle)
- Mountain biking
- Mountaineering, high altitude climbing or expeditions (up to 9,842 feet/3,000 meters)
- Orienteering
- Paint balling
- Rock climbing (outdoor up to 9,842 feet/3,000 meters)
- Rock climbing or bouldering (indoor)
- Safari tours
- Sandboarding
- Scooter riding
- Scrambling (up to 19,685 feet/6,000 meters)
- Trail bike riding
- Trail running (up to 19,685 feet/6,000 meters)
- Tree Climbing (trees up to 10 meters)
- Trekking (up to 19,685 feet/6,000 meters)
- Unicycling
- Walking (excluding any hiking or mountaineering activities up to 22,965 feet/7,000 meters)
Included for Explorer Plans
- Abseiling (indoor or outdoor up to 21,325 feet/6,500 meters)
- rap jumping (up to 21,325 feet/6,500 meters)
- deepelling (up to 21,325 feet/6,500 meters)
- Bouldering or soloing (up to 21,325 feet/6,500 meters)
- Bull riding
- Camping (up to 21,325 feet/6,500 meters)
- Cliff jumping
- Construction or renovation work (paid or volunteer manual work painting, using power tools, labourer, operating machinery, roadwork, working at height)
- Hiking or tramping (up to 21,325 feet/6,500 meters)
- Horse riding (rodeo)
- Mountaineering, high altitude climbing or expeditions (up to 21,325 feet/6,500 meters)
- Outdoor endurance / multi-sport (ultra distance or more)
- Paid or volunteer high risk work (offshore, underground or caves, commercial diving)
- Potholing
- Rickshaw Run
- Rock climbing (outdoor up to 21,325 feet/6,500 meters)
- Running / walking (ultra marathon or more)
- Running of the bulls (with the bulls)
- Scrambling (up to 21,325 feet/6,500 meters)
- Spelunking (caving)
- Tough Mudder
- Trail running (up to 21,325 feet/6,500 meters)
- Trekking (up to 21,325 feet/6,500 meters)
- Tuk Tuk (racing, hire without licensed driver, Rickshaw Run)
- Via ferrata
- Volunteering (medical, health care, construction, renovation projects, NGO support, disaster relief)
Included for Epic Plans
- Abseiling (indoor or outdoor up to 26,247 feet/8,000 meters)
- rap jumping (up to 26,247 feet/8,000 meters)
- deepelling (up to 26,247 feet/8,000 meters)
- Bouldering or soloing (up to 26,247 feet/8,000 meters)
- Camping (up to 26,247 feet/8,000 meters)
- Caving/spelunking/potholing
- Free soloing
- Hiking or tramping (up to 26,247 feet/8,000 meters)
- Mountaineering, high altitude climbing or expeditions (up to 26,247 feet/8,000 meters)
- Rock climbing (outdoor up to 26,247 feet/8,000 meters)
- Scrambling (up to 26,247 feet/8,000 meters)
- Trail running (up to 26,247 feet/8,000 meters)
- Trekking (up to 26,247 feet/8,000 meters)
- Sports – 70 activities
Sports
Included for All Plans
- Aerobics
- American football (Gridiron)
- Archery
- Athletics
- Badminton
- Baseball
- Basketball
- Bobsled (non-snow track)
- Bowling (lawn, ten-pin, nine-pin, candlepin, duckpin and five-pin bowling, bowls, pétanque & boules)
- Boxing (gym or outdoor training)
- Cheerleading
- Clay pigeon shooting
- Cricket
- Croquet
- Darts
- Dirt boarding
- Disc golfing
- Dodge ball
- Equestrian activities
- Fencing
- Floorball
- Football (soccer)
- Footgolf
- Frisbee
- Golf
- Gridiron
- Gym training (aerobics, spinning, zumba, body pump, weight training, cross training, crossfit)
- Gymnastics
- Handball
- High diving up to 10 meters
- Hockey
- Hurling
- In-line skating
- Korfball
- Lacrosse
- Martial arts (Judo, karate)
- Martial arts (non contact)
- Netball
- Obstacle course/assault course/trim trail
- Parkour
- Pickleball
- Power lifting
- Racquetball
- Raquet ball
- Rifle range/sports shooting
- Roller blading
- Roller derby
- Roller hockey
- Roller skating
- Rounders
- Rugby (Leage/Union)
- Running / walking (less than ultra distance)
- Shooting (rifle range / sports)
- Skateboarding (ramp, half pipe, skate park, street)
- Soccer
- Softball
- Sports coaching paid or volunteer (ball sports, surfing, swimming)
- Squash
- Table tennis
- Target Shooting
- Tchoukball
- Tennis
- Ultimate frisbee
- Volleyball
- Weight training
Included for Explorer Plans
- Martial arts (cage fighting, mixed martial arts, kick boxing, Muay Thai)
- Triathlon (ultra-distance or more)
- War games (military simulation)
Included for Epic Plans
- Motocross
- Motor racing (driver or passenger in a motor sport show, race, competition or rally)
Experiences
Included for All Plans
- Air guitar
- Au Pair / Nanny (paid or volunteer childcare)
- Ballroom dancing
- Ballet
- Ballroom dancing
- Butoh
- Capoeira Dancing
- Dance (ballet, ballroom, capoeira, salsa, interpretive dance)
- Environmental or conservation work (paid or volunteer manual work)
- Fruit picking (paid or volunteer WWOOFing, general farm work, manual work)
- Hospitality, bar work (paid or volunteer manual work)
- Live Action Role Play (LARP)
- Office work (paid or volunteer clerical, non-manual work)
- Retail work (paid or volunteer shop assistant / store manager, general retail, manual work)
- Teaching (paid or volunteer work)
- Theme parks / fairgrounds
- Volunteering (childcare, teaching, environmental, wildlife or animal care, WWOOF)
- War games (online gaming)
- Wildlife and animal care (paid or volunteer manual work)
- WWOOFing (general farm work, fruit picking, manual work)
- Yoga (class, alone/home practice)
- Yoga (yoga teacher)
- Zorbing
Included for Explorer Plans
- Medical and health care paid or volunteer work (health education, medical services, medical practitioner)
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.