Adventure travel insurance for the trip you have in mind
A trek through the Andes, a climbing holiday or a journey with a few adventures along the way? Choose travel insurance around what you plan to do, as well as where you are going. With True Traveller, you can match your activity cover to your itinerary, whether your trip lasts a week or several months.
Our Traveller Activity Pack comes as standard. Add an Adventure, Extreme or Ultimate Activity Pack if your plans need it. Start with the activity finder: the type of activity, altitude, diving depth or route grade can all change the cover you need.
Choose your policy and your Activity Pack
First, compare True Value, Traveller and Traveller Plus for the benefits, limits and excesses that suit your trip. Then choose the Activity Pack for the things you intend to do. The policy level and the Activity Pack are separate choices: selecting Traveller Plus does not automatically include the Ultimate Pack.
Medical and repatriation cover is up to £10 million for UK policyholders or €10 million for European policyholders. Baggage cover is optional. Check cancellation cover against your prepaid travel arrangements, and read your policy documents for the cover you have selected.
Four Activity Packs, with different adventures in mind
Traveller Pack: included as standard, with activities such as trekking to 3,000 metres and scuba diving to 18 metres. Even familiar activities can have conditions, so check the entry for what you plan to do.
Adventure Pack: options include trekking to 4,600 metres, outdoor rock climbing, scuba diving to 40 metres and white-water rafting at grades 4–5. Qualification, supervision and other activity requirements still apply.
Extreme Pack: includes trekking above 4,600 metres and activities such as red-grade mountain biking and tandem paragliding for one flight. Ultimate Pack: includes activities such as mountaineering to 6,000 metres, ice climbing and sea-cliff climbing, subject to their conditions.
Extreme and Ultimate are unavailable from age 66. Check the age rule and each activity entry when arranging cover. Any additional pack you pay for must appear on your Validation Certificate.
Trekking, climbing and time in the mountains
Choose trekking cover using the highest point of the whole route, including acclimatisation walks or side trips. The Inca Trail, Kilimanjaro and Everest Base Camp have different requirements, so check the details for your itinerary rather than choosing by the trip’s name alone.
For Nepal, you also need the Trekking in Nepal option. Technical mountaineering has different conditions from trekking, and the Ultimate Pack has a 6,000-metre mountaineering ceiling. Send us your itinerary if you are unsure how your route should be classified. See our trekking insurance and rock climbing insurance pages for more detail.
Medical help and rescue when you need it
If you become ill or injured during a covered activity, your policy can help with emergency medical treatment and medically necessary repatriation. Helicopter evacuation can be covered when medically necessary and authorised by the Emergency Medical Assistance Service. It is not a transport option simply because you decide to end an activity.
Search and rescue is a separate benefit, with its own limits, and is not included on True Value. Compare this as well as the medical benefit when choosing a policy. Keep your insurance details accessible and follow the emergency assistance guidance if you need help.
Cover for your journey, as well as your activities
Choose Single Trip insurance for one journey, or compare annual Multi-Trip cover if you have several trips planned. Think about every country you intend to visit and every activity on your itinerary. Add Winter Sports separately if you need skiing or snowboarding cover.
Already overseas? Eligible travellers can apply for a new Single Trip policy using the Already Travelling option. Restrictions apply during the first 48 hours, and it cannot cover an event or problem that has already happened. If you already hold True Traveller Single Trip cover and want to stay away longer, apply for an extension before it expires.
Before you set off
Check your destinations, travel dates, medical declarations and selected options against your plans. Activity cover does not mean every benefit applies while taking part: some entries exclude Accidental Disability or Personal Liability cover. Read the policy wording for your country of residence and purchase date, alongside your Validation Certificate. If anything is unclear, contact our team before arranging cover.
True Traveller originally operated as a travel company, and we design our insurance to be practical, affordable and built for real travellers. Our core belief is simple: if you can’t afford travel insurance, you can’t afford to travel.