The short answer
Standard travel medical excludes 'hazardous sports' — skiing off-piste, scuba below 30m, mountaineering above 4,500m, motorsports, and skydiving. Adventure sports riders extend coverage; some plans (World Nomads, IMG) include it by default. Medical evacuation ($100K+ limit) is the critical benefit — helicopter evac from a remote crag runs $50K+.
Frequently asked
- Is recreational skiing covered?
- On-piste skiing is often included; off-piste and heli-skiing usually require a rider.
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