From ziplining in Costa Rica to scuba diving in the Great Barrier Reef, adventure travel is more popular than ever. But while these experiences create unforgettable memories, they can also come with increased risks — and not all travel insurance policies automatically cover them.
That’s where the Adventure Sports Upgrade from Arch RoamRight comes in. This optional upgrade can extend coverage to a broader range of sports and activities that might otherwise be excluded from standard travel insurance plans.
If your next trip includes adventure, here’s what you need to know.
🧗 What Is the Adventure Sports Upgrade?
The Arch RoamRight Adventure Sports Upgrade is an optional add-on that expands coverage for certain hazardous or extreme activities not covered under standard travel insurance plans. It is available on select Arch RoamRight policies and must be purchased at the time you buy your plan.
🚫 What Activities Are Typically Excluded Without the Upgrade?
Standard travel insurance plans often exclude high-risk sports, including but not limited to:
- Skydiving
- Scuba diving below 60 feet
- Mountaineering or rock climbing with ropes
- Bungee jumping
- Hot air ballooning
- Participation in organized competitions
Without the upgrade, claims related to injuries or losses that occur during these activities may be denied, even if the rest of your trip is covered.
✅ What Does the Adventure Sports Upgrade Cover?
When added to an eligible Arch RoamRight plan, the upgrade may provide coverage for emergency medical expenses, evacuation, and other related benefits if you’re injured while participating in certain adventure sports.
This means you may be protected if:
- You’re injured while paragliding in the Alps
- You require emergency evacuation after a hiking accident
- Your scuba diving excursion results in a medical issue
Specific terms and limits apply, so it’s important to review the plan details or speak with a licensed representative before your trip.
🌍 Who Should Consider the Adventure Sports Upgrade?
You may benefit from the upgrade if your itinerary includes:
- Guided treks or hikes above 15,000 feet
- Scuba diving, especially at depth or in remote areas
- Adventure tours involving ziplining, rappelling, or ATV rides
- Winter sports like skiing or snowboarding in rugged terrain
- Any activity that might fall outside the scope of a traditional vacation
This upgrade is particularly popular among adventure travelers, gap year students, tour groups and photographers working in remote destinations.
🛑 What It Doesn’t Cover
Even with the upgrade, some exclusions still apply. The Adventure Sports Upgrade typically does not cover:
- Racing (motorized or otherwise)
- Personal liability for damage or injury to others
- Injuries that occur while under the influence of drugs or alcohol
- Participation in professional-level competitions
Always read your policy’s Description of Coverage for specific details.
📋 How to Add the Upgrade
The Adventure Sports Upgrade must be selected at the time of purchase and cannot be added after your policy is in effect.
When you generate a quote at roamright.com, you can:
- Compare plans that allow the upgrade
- See pricing before committing
- Add the upgrade during checkout if your activities warrant it
If you’re unsure whether your activity is covered, contact Arch RoamRight’s customer service team for guidance.
✈️ Adventure Should Be Exciting — Not Risky
Whether you’re tackling a new trail or exploring underwater caves, the right travel insurance can help you focus on the experience, not the what-ifs. The Arch RoamRight Adventure Sports Upgrade is built for travelers who push boundaries and go beyond the ordinary.
Get a quote today and make sure your next trip has the coverage you need for every adventure.