travel insurance for horse riding

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Horse riding travel insurance.

Horse riding is an exhilarating and exhilarating experience that many people around the world enjoy. It is a popular activity that can take you to stunning landscapes, bring you closer to nature, and give you a sense of freedom. However, just like any other adventure activity, horse riding is not without its risks. That’s where horse riding travel insurance comes in. In this article, we will discuss why you need horse riding travel insurance, what it covers, and how to choose the right policy for you.

What is Horse Riding Travel Insurance?

Horse riding travel insurance is a specific type of travel insurance that provides coverage to individuals who participate in horse riding activities, either as a leisure activity or as part of a riding tour. It is designed to protect you from the risks associated with horse riding, such as accidents or injuries, theft or loss of equipment, and cancellation or disruption of your trip.

Why Do You Need Horse Riding Travel Insurance?

Although horse riding is a fun and exciting activity, it also comes with some risk. Horse riding travel insurance helps to mitigate these risks and protect you against the financial consequences of an accident or illness. It also provides peace of mind, knowing that you are covered should anything happen during your trip.

What Does Horse Riding Travel Insurance Cover?

Horse riding travel insurance typically covers a range of events and situations that may occur during your trip, including:

How to Choose the Right Horse Riding Travel Insurance Policy

When choosing a horse riding travel insurance policy, there are several factors to consider, including:

The level of coverage you need
The duration of your trip
The type of horse riding activity you will be participating in
The country or region you will be visiting
The exclusions and limitations of the policy

It is important to read the policy carefully and understand the terms and conditions before purchasing. You should also compare policies from different insurers to find the best coverage and price for your needs.

Frequently Asked Questions (FAQ)

Q: Is horse riding travel insurance expensive?

A: The cost of horse riding travel insurance varies depending on the level of coverage you need, the duration of your trip, and other factors. However, it is generally affordable and can save you a lot of money in case of an accident or illness.

Q: Do I need horse riding travel insurance if I have regular travel insurance?

A: Regular travel insurance may not cover horse riding activities or may have limited coverage. It is important to check the policy terms and conditions to make sure you are adequately protected. A horse riding travel insurance policy provides specific coverage for this activity.

Q: What types of horse riding activities are covered by horse riding travel insurance?

A: Horse riding travel insurance can cover a variety of activities, including trekking, trail riding, dressage, jumping, and more. However, it is important to check the policy terms and conditions to ensure that your specific activity is covered.

Horse Travel Transportation Insurance

Whether you purchased a new horse from out-of-state or you’re in the midst of arranging travel for international horse transportation, Kay Cassell Equine Insurance will work with you to create a Horse Travel Transportation Insurance policy for your specific needs during transit. Horse Travel Transportation Insurance is designed to ease the stress of transporting horses and help to ensure your horses arrive healthy and safe at their destination. Please contact us at least several days prior to transporting your horse, we can not insure horses already in transit.

Request a quote today from Kay Cassell Equine Insurance and allow our expert team of horse owners to customize a Horse Travel Transportation Insurance policy for your horse and give you peace of mind during transit.

The Best Horse Insurance for Your Family

As horse owners, we all want the best for our horses. We also know how quickly major medical expenses can accumulate and a visit to the veterinarian is never cheap. In the unfortunate event your horse is severely injured, shows signs of colic, or even requires surgery or hospitalization, horse insurance will allow you to make a decision based on what’s best for your horse’s health knowing you have coverage for major medical bills. The experienced equine specialists at Kay Cassell Equine Insurance will help you navigate the confusing world of equine insurance and compare horse insurance plans to ensure that you have the best horse insurance policy to protect your entire family… including those with four legs.

Some horses are valuable, many are priceless. Protect your investment and friend by insuring your horses with Kay Cassell Equine Insurance

Kay Cassell Equine Insurance has been serving the horse insurance industry since 1981. We personally serve all your equine insurance needs. We understand. We're horse owners too! The experienced staff at Kay Cassell Equine Insurance gives you personal attention and are knowledgeable about horse owners needs. To protect your horse investment or equine related activities, we write all of our policies with only A+rated domestic companies who have strong financial backgrounds and equine experience.

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Our Guide to Travel Insurance for Horse Riding Holidays

Travel insurance for equestrian vacations - Globetrotting horse riding holidays

Travel insurance is compulsory on all Globetrotting rides, regardless of whether you’re travelling within your home country or abroad. It’s absolutely imperative to be covered by travel insurance so that you have a safety net in case unexpected circumstances arise.

Travel insurance can cover you for financial losses caused by a wide range of events that may affect your trip, whether they occur before, during or even after your travels. Many policies now also offer COVID cover, which is essential to protect you and your travel investment from unforeseen events such as contracting coronavirus, border closures, lockdowns and cancellations.

You should purchase a travel insurance policy as soon as you have paid for your trip. That way you’ll be covered for pre-paid travel and accommodation if you need to cancel your trip due to a covered event, such as illness or a natural disaster.

Also, horse riding can be unpredictable at the best of times, so it’s ESSENTIAL to have a travel insurance policy that specifically covers horse riding as an activity. Don’t worry, we can help with this and provide you with a free, no-obligation quote – just email us at [email protected] .

When selecting a travel insurance policy, we require that, at a minimum, your policy includes COVID COVER {to the value of your ride cost}, horse riding as an activity, severe weather events , and medical expenses including emergency repatriation.

Why international travel insurance is so important

Travel insurance has never been more important than now, when the impacts of COVID-19 on global movement and health are plain as day. Medical treatment in some countries can be exceptionally expensive and in some cases it can be difficult to be admitted to a hospital and receive treatment unless you can guarantee payment. While overseas, if you don’t have appropriate travel insurance, you are personally liable for covering your medical costs. It’s not uncommon for even a short stay in, for example, an American hospital to cost tens of thousands of dollars.

According to the Australian Department of Foreign Affairs and Trade (DFAT), daily hospital costs in Southeast Asia regularly exceed $800 AUD and return of remains from Europe can cost in excess of $10,000. The cost of medical evacuations from the United States regularly ranges from $75,000 to $95,000 and sometimes up to $300,000 AUD. DFAT has also handled medical evacuations from Bali with costs exceeding $60,000.

Most international travel insurance policies cover not just overseas medical and dental expenses, but also lost or stolen luggage, liability cover, accidental death or disability, and unexpected expenses caused by delays, cancellations or rescheduled arrangements.

Some travel insurers also offer additional services, such as 24-hour medical emergency translation, which can make a huge difference to the quality of treatment you get while travelling.

Travel insurance through your credit card

First things first: if you have a credit card, give the company a call or read through their Product Disclosure Statement (PDS) to see if a) your current credit card includes travel insurance, b) that particular travel insurance policy includes horse riding, and c) whether there are any requirements you need to meet to qualify for this cover.

Travel insurance companies that include horse riding within their policy

As at the time of writing, the following insurance companies include horse riding (NOT including professional or competitive riding) within their travel insurance policy:

Australians: we recommend Cover-More (we’re not affiliated – we just genuinely believe they have the most comprehensive and well-priced policies). Please note that you’ll need to book via one of Globetrotting’s friendly travel agents. If you book direct through Cover-More, horse riding will not be included in your base policy and will need to be purchased as an additional extra. Rest assured, our travel agents provide obligation-free quotes and they’ll ensure you get the very best price.

An alternative to Cover-More is TID , which covers non-competitive horse riding with the exception of polo and has a similar level of COVID coverage to Cover-More. TID also allows you to start policies after you’ve left home, which is great if you choose to extend your trip!

Other Australian travel insurers that cover horse riding include GOINSURANCE , CHI Travel Insurance and World Nomads . And if you’re looking for a comprehensive list of Australian insurance companies, visit findaninsurer .

Kiwis – again, Cover-More is our first recommendation. At the time of writing, Cover-More New Zealand still includes horse riding automatically, but we strongly recommend checking before going ahead with your purchase.

Americans – these are some of the best companies that include horse riding and have great COVID cover: Tin Leg , Trawick International , Cat 70 , HTH , John Hancock . You can also compare every travel insurance policy available on SquareMouth .

Canadians – Some of the best companies that have good COVID cover and automatically cover horse riding are World Nomads , Tugo , Manulife and Allianz . Members of the CAA may be able to get travel insurance through their regional club, although you’ll need to buy a COVID cover plan alongside a general travel plan.

Brits – the following companies have good COVID cover and include horse riding automatically: World Nomads , Post Office (riding for less than 7 days), CoverForYou , Southdowns and Coverwise .

Insurance for every nationality – although the options vary from country to country, Worldtrips and HeyMondo offer travel insurance to all nationalities. (If you choose HeyMondo, please note that horse riding is an adventure sports add-on: not automatically included, but not a big extra cost.) There’s also Nomad Insurance by SafetyWing, which uses a monthly subscription model, making it great for longer term travellers. Be sure to check the policy documents to ensure they cover everything you need.

**Always double check with the insurer and read the Product Disclosure Statement (PDS) before committing to your policy.

Thanks to Understanding Insurance for providing useful information for this blog post.

I would love to hear your first hand experiences with travel insurance and if you can recommend another company that not only includes horse riding and COVID in their policy, but also offers superb customer service. Please leave a comment if you have a tip to share!

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Horse Riding Travel Insurance: The Pros and Cons

First, make sure that your policy covers medical expenses for both you and your horse. You’ll also want to make sure that your policy covers transport costs in the event that your horse needs to be evacuated from the area. Horse riding can be a risky sport, so it’s important to make sure you’re covered in case of an accident.

With the right horse riding travel insurance policy, you can enjoy your rides worry-free.

What Insurance Do I Need for Horse?

Finally, you may want to purchase mortality insurance, which will provide financial assistance if your horse dies.

How Much Does It Cost to Insure a Horse?

The most common type of horse insurance is mortality insurance, which provides financial protection in the event of a horse’s death due to accident, illness, or disease. Mortality insurance premiums are based on the value of the horse being insured. A typical policy will provide coverage up to 75% or $250,000 (whichever is less) of the insured value.

For example, if you insure a $500,000 show jumper under a mortality policy with a 75% limit, your maximum payout would be $375,000 in the event of his death. Other types of coverage that may be included in ahorse insurance policy include major medical/surgical expense reimbursement (up to specified limits), loss-of-use coverage (provides compensation if your horse is unable to perform his usual duties due to injury or illness), colic surgery benefit (pays for emergency surgery if your horse suffers from colic), stallion fertility protection (covers veterinary expenses related to infertility problems), and personal liability protection (in case someone is injured while on your property or as a result of your negligence). Most policies also have exclusions for pre-existing conditions and injuries/illnesses resulting from intentional acts or illegal activities.

Premiums for comprehensive Horse Insurance policies can range from about $350 to over $3 per thousand dollars of insure value annually for healthy horses; rates will be higher for older horses or those with health issues.

Do You Need Insurance to Own a Horse?

It is important to choose a policy that meets your individual needs. Some horse owners choose to self-insure by setting aside money each month into a savings account specifically for their horse. This can work well if you are confident that you can afford any unexpected vet bills or other costs that might arise.

However, it is important to remember that even the most carefully planned savings can be quickly eroded by one large unexpected bill. Horse insurance gives you peace of mind knowing that you and your horse are protected financially should the worst happen. It may seem like an unnecessary expense, but it could save you a lot of money in the long run.

Do You Need Insurance to Ride a Horse on the Road Uk?

Sports travel insurance.

While your regular health insurance may cover some of these risks, it’s important to check with your insurer to see what is and isn’t covered before you purchase sports travel insurance. And even if your health insurance does provide coverage for some risks associated with sports travel, it likely won’t cover all of them. That’s where sports travel insurance comes in.

Sports travel insurance can be purchased as an add-on to your regular travel insurance policy or as a standalone policy. If you choose to purchase it as an add-on, be sure to read the fine print carefully so you know exactly what’s covered. And if you opt for a standalone policy, make sure it provides the coverage you need and that it will work with your regular health insurance plan.

Wilderness Travel Insurance

First, what kind of coverage do you need? There are policies that cover everything from medical expenses to lost luggage, and you’ll want to make sure you have enough coverage for your particular trip. Second, what does your regular health insurance policy cover?

Some policies will cover emergency medical expenses while others will not. If your health insurance doesn’t cover emergencies abroad, you’ll definitely want to get some additional coverage. Finally, what is your budget?

Travel insurance policies can vary widely in price, so it’s important to find one that fits into your budget. Once you’ve considered all of these factors, you’ll be able to choose the right wilderness travel insurance policy for your needs. And then you can relax and enjoy your trip knowing that you’re covered!

Travel Insurance for Horse Riding Safari

One of the most important things to remember when getting travel insurance is that your policy should cover medical expenses. This is especially important if you’re going to be riding in remote areas where there may not be any hospitals or clinics nearby. Make sure your policy includes coverage for medical evacuation in case you need to be airlifted out of the area.

Another thing to keep in mind is that many policies have exclusions for dangerous activities like horse riding. Be sure to read the fine print of your policy carefully so that you know what’s covered and what’s not. You don’t want to find out too late that your policy doesn’t cover something that happens on your trip.

Lastly, make sure you understand the claims process before you buy a policy. Find out how long it will take for your claim to be processed and what documentation you’ll need to submit. This way, if something does happen on your trip, you’ll know exactly what steps to take next.

Extreme Sports Travel Insurance

Some of the activities that are typically covered by extreme sports travel insurance include bungee jumping, skydiving, white water rafting, and rock climbing. If you’re planning on doing any of these activities while you’re traveling, it’s important to make sure that you’re properly insured. Extreme sports travel insurance can provide peace of mind and financial protection in the event of an accident or injury.

It’s worth considering if you’re planning on engaging in any risky activities while you’re away from home.

Best Travel Insurance for Hazardous Activities

First, you need to make sure that the policy covers the specific activity that you’re planning on doing. For example, if you’re going rock climbing, make sure that rock climbing is included in the policy. Second, you need to make sure that the policy has a high enough limit to cover any potential damages or injuries that could occur during the activity.

When it comes to choosing a limit, it’s always better to err on the side of caution and choose a higher limit than you think you’ll need. That way, if something does happen, you’ll be covered. Finally, you need to make sure that the company offering the policy is reputable and has a good reputation for paying out claims.

The last thing you want is to get stuck with a bill because your travel insurance company refused to pay out on your claim. So there are a few things to keep in mind when looking for travel insurance for hazardous activities. Make sure that the policy covers the activity, has a high enough limit, and comes from a reputable company.

Travel Insurance Activity Cover

Is your travel insurance policy enough to cover you? Most standard travel insurance policies will not cover you for any dangerous activities that you participate in while on vacation. This includes things like bungee jumping, sky diving, or whitewater rafting.

If you plan on doing any of these activities, you will need to purchase an additional policy that covers dangerous activities, also known as activity cover. Activity cover is designed to protect you in the event of an accident while participating in a dangerous activity. It will pay for things like medical expenses, emergency transportation, and even evacuation from a remote location if necessary.

It is important to note that not all activity cover policies are created equal – some will only cover certain types of activities, so be sure to read the fine print before purchasing. If you’re planning on doing any adventurous activities on your next vacation, make sure you’re properly protected by getting activity cover as part of your travel insurance policy.

Hazardous Activity Insurance

For example, most will provide financial protection in the event of an accident resulting in injuries or death to employees or customers. Additionally, many Hazardous Activity Insurance policies also cover property damage caused by the insured activity. Due to the nature of the activities covered by this type of insurance, premiums can be relatively high compared to other types of business insurance.

However, given the potential consequences of an accident occurring during a hazardous activity, the peace of mind and financial protection that a policy can provide is well worth the cost for many businesses.

Direct Travel Insurance

Direct travel insurance is a type of insurance that you purchase directly from an insurer, rather than through a travel agent or tour operator. This means that you are dealing directly with the company that will provide your coverage, which can give you more control over the policy terms and conditions. It can also be easier to make claims with a direct insurer since there is no middleman involved.

There are a few things to keep in mind when shopping for direct travel insurance. First, make sure to compare policies from different insurers to find the best coverage for your needs at the best price. Second, remember that most policies have some exclusions and limitations, so read the fine print carefully before buying.

And finally, don’t forget to factor in any pre-existing medical conditions you may have when choosing a policy – some insurers won’t cover certain conditions at all. If you’re looking for comprehensive protection while traveling, direct travel insurance could be a good option for you. Just be sure to do your research before buying so that you get the best coverage possible.

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What base jumping travel insurance covers

Travel Insurance

You are required by the ride operators to take out travel insurance (also known as trip insurance) which provides cover for medical expenses abroad and the cost of getting you home in the event of an accident or illness during your holiday. Protection of at least £50,000 emergency medical evacuation plus £500,000 medical expenses is recommended. Please note that the ride operator may not permit you to ride if you do not have travel insurance.

Always check the list of included/excluded activities to ensure that horse riding is covered. If in any doubt we recommend you obtain clarification in writing from the insurer

You are also strongly recommended to have insurance in place to provide cover if you need to cancel your holiday since deposits are non refundable and if you cancel within 10 weeks of your start date the ride operator may apply additional cancellation charges. The insurance should cover the total value of your holiday.

We advise you read any travel insurance policy carefully to determine that it meets your specific needs regarding the level of cover you require and declare any pre-existing medical conditions.

In The Saddle may request details of your travel insurance to forward to the ride operator.

Global Health Insurance Card

For holidays within Europe we strongly recommend you obtain a Global Health Insurance Card (GHIC) which lets you access state healthcare in Europe at a reduced cost or sometimes for free. If you have an existing UK European Health Insurance Card (EHIC) it will be valid until the expiry date on the card. Once it expires, you’ll need to apply for a GHIC to replace it. There is no charge to obtain a GHIC. Follow the link on this UK government website .

Please note that holding an EHIC or GHIC does not remove the need for Travel Insurance but it may make it quicker for you to get treatment in a hospital within the EU/EEA and many insurers expect you to have it.

Personal Accident Insurance

Horse riders know that riding and being around horses involves an element of risk. We probably all know of people who have had quite serious riding accidents when hacking out at home or bringing their horses in from the field.

If you don't already have it in place you may wish to consider taking out Personal Accident Insurance (also known as personal injury insurance) which is designed to pay out if you suffer a serious injury as a result of an accident. This could protect you and your family against loss of income and help you with bills and other expenses.

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Our Horse Riding Insurance policy options

Put simply, we offer three different policy options…

1. Travel Insurance

Our Sports Travel Insurance will cover you whilst riding abroad for leisure or competition, and includes cover for medical and repatriation costs, trip cancellation and curtailment, plus more.

2. Travel Insurance Bolt-On

If you have an existing travel insurance policy in place with another provider such as your bank but it does not include cover for horse riding, we can provide a bolt-on style of protection for your trip.

3. Sports Accident Insurance

Our Sports Accident Insurance is designed to protect you whilst riding in the UK, whether that be for leisure or competition. The policy provides a range of benefits including personal liability and income protection.

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Why choose us

30 years experience.

We have been providing tailored Sports Insurance policies for over 30 years, and today protect more than 57,000 customers a year.

Professional Claims Handling

We work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.

Underwritten by Experts

We’re pleased to offer tailored cover from AXA XL, a leading provider of insurance in the sports and leisure industry.

UK Based Customer Service Team

Our highly experienced Sales team are available to help support you with any questions that you might have.

5-Star Customer Service Rating

Thousands of happy customers have awarded us a 5-star customer service score on the independent feedback platform, Feefo.

500+ Sports Covered

Being a specialist in Sports Insurance, we provide cover for over 500 different sports & activities, far more than other providers.

What is Horse Riding Insurance?

We understand that horse riding can be a very high-risk activity and with this in mind, have developed our insurance products; whether you are travelling abroad or wanting protection at home, we can cover you.

If you are heading overseas, our Sports Travel Insurance policies include benefits such as medical expenses and repatriation cover, personal accident along with protection for cancellation, travel delays and more.

If you are riding in the UK, our Sports Accident Insurance can reimburse the expenses that may follow due to an accident related to riding. The policy includes cover for broken bones, physiotherapy as well as legal fees and income protection cover.

So, be sure to get your Horse Riding Insurance before you take the horse out for a trot.

How is Horse Riding Insurance different?

Every year hundreds of horse riders choose us for their horse riding insurance. We understand that horse riding can be a very high risk activity and with this in mind, have developed our insurance products.

We cover horse riders for both personal accident insurance and travel insurance if required. We can also provide you with horse riding insurance at a competitive and non-competitive level (including training camps).

For horse riding we exclude cover for personal liability as we would expect the owner of the horse to have separate cover for the horse which would cover for any damage or injuries that it caused.

Frequently Asked Questions

Standard travel insurance policies do not always cover hazardous sports. Our Sports Travel Insurance is specifically designed to cover over 500 high risk activities such as bungee jumping, skateboarding, ski-acrobatics and many more.

Our Sports Travel Insurance policy provides up to £5,600 worth of equipment cover. This add-on not only protects your own equipment, but also any equipment you hire during your trip. It also covers your riding equipment in transit to and from your destination.

Yes, our Horse Riding Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.

You can purchase our Horse Riding Insurance online up until 74 years old. Above this age, you would need to call us on 01494 484800 and we will be able to refer your quote to our underwriters. Please note, our quotes are based on your age at the start date of cover.

* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only.

** Data relates to Sports Travel Insurance claims from Jan 2023 to Dec 2023 inclusive.

*** Feefo rating relates to Sports Travel Insurance claims review score from Jan 2023 to Dec 2023 inclusive.

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Travel Recommendations, Travel Protection and Information

Travel protection.

Why is travel insurance so important?

In today’s changing travel environment, it’s important to protect your travel investment so you can relax and enjoy your trip. Unforeseen events such as flight delays, baggage loss or even a sudden sickness or injury could impact your travel plans. For your convenience, we offer a Travelex Insurance Services protection plan to help protect you and your travel investment against the unexpected. For more information on the available plans click here or contact Travelex Insurance 800-228-9792 and reference location number 50-0031.

The product descriptions provided here are only brief summaries and may be changed without notice. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. Travelex Insurance Services, Inc CA Agency License #0D10209. Travel Insurance is underwritten by Berkshire Hathaway Specialty Insurance Company, NAIC #22276. V94

Responsibility of Ride Participants

Ride participants have a certain responsibility to Equitours and to the other members of the ride. Participants are responsible for understanding the requirements of the ride, and for selecting a ride — with the assistance of an Equitours ride consultant — appropriate to their interest and ability. Participants with medical problems or special dietary needs are responsible for informing Equitours of these issues well in advance. For the protection of all participants, the ride leader reserves the right to prevent anyone from riding who displays insufficient ability, or whose behavior endangers the safety of other riders, themselves, or the horses. No refund will be made to a participant who is rejected for any such reason, or who is unwilling or unable to complete a tour.

Participants are responsible for arranging travel to and from the ride’s meeting point, for carrying valid travel documents, and for obtaining immunizations appropriate to the destination. Participants are responsible for understanding what is and is not included in the price as outlined in the detailed ride itineraries.

Anyone who does not want pictures of themselves to be used in promotional materials should notify Equitours accordingly.

Limitations of Liability

Equitours is not responsible for airline accidents or delays, loss of luggage, or medical and customs regulations. If a ride is canceled at any time for a reason beyond Equitours’ control, refunds are not guaranteed and will not include any additional costs accrued, such as travel expenses. Equitours is not responsible for problems due to travel delays or restrictions, natural disasters, acts of terrorism, acts of war, or actions of carriers. Equitours supports our outfitters’ judgment to alter a ride itinerary due to unforeseeable circumstances.

Frequent Rider Discount

Many of our clients are repeat customers. We reward this by offering a 10% discount on every 5th ride taken within 6 years.

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Travel Insurance

Adventurous Sports Insurance

Throwing yourself onto a bike or into the sea be sure you're covered., do i need adventurous sports insurance.

There's a degree of risk to most sports, but particularly the adventurous ones.

Having the right cover in place before you go on holiday means you can try exciting and adventurous sports without worrying about what might happen if something goes wrong.

Admiral Travel Insurance covers a wide range of sports, but let’s take a look at which ones you’re covered for as standard and which you’ll need to pay a bit extra for.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

you were diagnosed with Covid-19 before your trip was due to start
a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
an insured person or a close relative died during the trip because of Covid-19
you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
you have to quarantine after arriving in the UK or abroad
the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

What's covered under standard travel insurance?

Many of the sports you might want to do on holiday are covered by our standard holiday insurance.

These activities don’t require an extra payment on top of your standard travel insurance – and you’ll be covered for personal accident and legal liability too:

Banana boating

Body/boogie boarding

Canoeing (up to grade two rivers)

Fishing Kayaking (up to grade two rivers)

Parasailing (over water)

River tubing

Sailboarding

Scuba diving up to 30m*

Sea kayaking

Snorkelling

Wake boarding

Windsurfing

Yachting (inside territorial waters)

Water skiing

White/black water rafting (up to grade four rivers)

*For unqualified scuba divers, the diving depth is limited to 30m. (See policy wording for more conditions around scuba diving cover).

Raquet ball

Table tennis

Tennis Volleyball

Beach games

Cycling (except for racing, BMX, mountain biking, and cycling on extreme terrain)

Fell walking

Hiking (up to 4,000m altitude)

Hot air ballooning

Ice skating

Orienteering

Paintballing

Pony trekking

Safari (guided)

Rollerblading/inline skating

Sand boarding

Skateboarding

Trekking (up to 4,000m altitude)

Paddle boarding

Jogging/Running (excluding marathons)

Pony trekking (any equine 58 inches or less at the wither)

Extreme sports travel insurance: how to get covered for hazardous activities

If you couldn’t see your chosen activity on the list above, don't panic. Adrenaline junkies out there can still try that once-in-a-lifetime bucket list activity – you’ll just need to pay a little extra to be covered.

When buying travel insurance through Admiral, you’ll get the option to add extra cover for a specific hazardous activity. Just select the sport or activity you’ll be taking part in and pay the extra cost to get cover.

Bear in mind all hazardous sports and activities on our list exclude cover for personal accident and legal liability:

Assault course

Bungee jumping (maximum three jumps)

Canoeing (rivers over grade 2)

Canyon swinging

Coasteering

Gorge walking

Horse riding

Kayaking (rivers over grade two)

Kite surfing (over land)

Sand yachting

Scuba diving to depths between 30m and 50m (requires qualification)

Sea canoeing

Shark diving

White/black water rafting (rivers over grade four)

Yachting (outside territorial waters)

Trekking (up to 4500m altitude)

Hiking (up to 4500m altitude)

Motorcycling over 125cc (Europe only)

Sky diving (max 3 jumps)

Paragliding

If you'd like to be insured for a sport that’s not listed, contact our team to find out if we can arrange cover for you.

What level of cover do I need?

Now you know what activities are covered as standard and which require an extra payment, you need to choose the right cover for your trip. We break travel down into three zones:

Worldwide excluding USA, Canada, Caribbean and Mexico

See the full list of benefits in the policy summary booklet .

Winter sports insurance: make sure you're covered

If you're taking to the slopes to go skiing or snowboarding, you'll need to add our winter sports insurance to your standard cover.

As well as covering you in case of accidents or injury on the slopes, winter sports insurance means you'll get compensation if your equipment is lost, stolen or damaged. It also covers you if your trip is affected by severe weather, like avalanches.

Without the upgrade, your trip won't be covered at all but adding it means you'll get all the standard protection included in our single trip and annual policies as well as cover for the sport you'll be taking part in.

Limitations and exclusions

As is always the case with insurance, there are certain limitations and exceptions that could invalidate your cover.

For Admiral's winter sports insurance, we don’t cover travellers over 75 years old for trips within Europe and over 70 years old for trips outside of Europe.

Reckless behaviour

You won't be covered if you're injured as a result of your own reckless behaviour. This includes:

Deliberately injuring yourself
Being under the influence of drugs, solvents or excessive amounts of alcohol
Not following the safety precautions while taking part in an activity

For a full list of exceptions, see the General Exclusions section in our policy documents .

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913 .

Your pre-existing conditions won’t be covered unless you’ve:

Declared them all on your policy
Received written confirmation that we’ll cover your medical condition
Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, single trip insurance, annual trip insurance.

Adventure & Sports Travel Insurance

Travel Insurance for Sports

Best travel insurance for recreational and competitive sports, such as basketball, golf, tennis and more.

Coverage for recreational sports

Travel Insurance Coverage for Recreational Sports

Many travelers take vacations with the intent of participating in recreational sports or activities. For example, this can include traveling somewhere warm for a weekend golf trip with friends, or touring a scenic destination by horseback. For these travelers, many travel insurance policies can cover the cost of treating an injury and an evacuation in the event of an emergency. In addition to medical coverage, some policies include Sports Equipment & Fees coverage in case a traveler’s equipment is lost, damaged, or stolen, such as golf clubs.

Coverage for non-recreational sports

Travel Insurance Coverage for Competitive Sports

In addition to recreational sports, some policies can also cover organized sports at the scholastic, collegiate, or other amateur levels. Select policies can extend coverage for participation in professional sports. This can include popular contact sports like football and hockey, non-contact sports like basketball and baseball, and competitive activities like archery, weightlifting, and fishing.

What to look for when buying travel insurance for sports:

Travel insurance for sports and competitive activities can vary significantly from policy to policy. Activities that can be covered by one policy, may be specifically excluded from the next. For this reason, for travelers who plan to partake in specific sports or activities during their trip, it’s important to check a policy’s certificate for a list of excluded activities before purchasing. When buying travel insurance for sports or competitions, Squaremouth recommends at least $50,000 in Emergency Medical coverage, and $100,000 in Medical Evacuation coverage.

How to search for travel insurance for sports:

The Sports & Activities benefit of travel insurance is designed to cover travelers who are participating in sports or adventurous activities. Using Squaremouth’s activity selection matrix below, travelers can enter the specific sports and activities they plan to participate in during their trip to only show available policies with the coverage they need.

Search for policies with sports travel insurance using our selection matrix.

Search Sports Travel Insurance Quotes

Search for sports and activities you will be participating in during your trip, then select "Continue to Trip Information" to complete your quote.

Sport archery, basketball, soccer and more. Aerobics Amateur Athletic Field Event Amateur Athletic Track Events American Football American Football (No Division 1) Angling Archery Badminton Ball Hockey Ballet Baseball Basketball Billiards Bowling Bowls Boxing Boxing (Training) Cheerleading Climbing (indoor) Cricket Croquet Cross Country Running Curling Cycle Racing/Time Trials Dancing Dodgeball Endurance Tests Equestrian Eventing (Equestrian) Falconry Fell Running Fell Walking Fencing Field Hockey Fishing Fives Flag Football Frisbee Gaelic Football Golf Gymnastics Gymnastics (floor) Gymnastics (involving somersaults etc) Handball Highland Games (athletic events competing) Highland Games (heavyweight events competing) Horse Jumping (Show Jumping) Horse Riding Horse Riding (Dressage) Horse Riding (Eventing) Hunting Hurling Ice Hockey Ice Skating Ice Speedway Ironman Jiu Jitsu Jiu Jitsu (Brazilian) Jogging Judo Karate Karting (as part of an organized recreational event) Karting (Racing) Keep Fit Kendo Kick Boxing/Thai Boxing Kiting (flying kites) Korfball Krav Maga Lacrosse Marathon (Arctic) Marathon (City/Street marathon) Martial Arts Model Flying Modern Pentathlon Netball Paintballing Paintballing (Motor Paintball) Petanque Pigeon Racing Polo (Equestrian) Polocrosse Pool Power Lifting Quoits Rackets/Raquetball Rifle Range Ringos Roller Blading Roller Derby Roller Hockey Rounders Rowing Rugby Rugby League Rugby Training (Full Contact) Rugby Training (Not Full Contact) Rugby Union Running (City/Street Marathon) Running (keep fit) Shinty Show Jumping Skateboarding Skateboarding Freestyle Skateboarding/Downhill/Competitive Skeleton Snooker Soccer (Football) Softball Speed Trials/Time Trials Squash Squash/Rackets Table Tennis Tae Kwon Do (Competing) Ten Pin Bowling Tennis Time Trials (Cycling) Touch Rugby Tough Mudder Tough Mudder (World's Toughest) Track Track Days (E.G. Nurburgring) Car Or M/Bike Trampolining (involving somersaults) Trampolining (Recreational) Trans Savoie Big Alpine Enduro Triathlon Tug-of-War Ultra marathon (Marathon des Sables, Jungle Marathon, Arctic Marathon, UTMB etc) Volleyball War Games/Paintballing Weightlifting Wrestling Yoga

Please select if you will be participating in amateur or professional events or competitions:

Your quote results will show policies that include coverage for the activities you have chosen, however, we cannot guarantee adequate coverage for your particular trip.

Please either call us or review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.

Travel Insurance
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Horse Riding Travel Insurance

Our Travel insurance policies online cover when you are Horse Riding as part of your trip or as the sole purpose of your holiday. Our policies will cover you if you are accidentally injured whilst riding, grooming, saddling, or dismounting the Horse. This policy protects you if you are wearing a Horse Riding Helmet. If you are Horse Riding and wearing a Stetson,…

Horse Riding Travel Insurance FAQs

Popular locations for horse riding.

Horse Riding Holidays
Horse Riding Insurance Wearing a Stetson

Pre-Existing Medical Conditions

Useful websites, summary of cover (per person).

* Excess payables vary depending on the claim benefit.

Please read the Policy Wording for the complete list of Benefits.

Healix Insurance Services Ltd, on behalf of Hamilton Insurance DAC, arranges this Travel Insurance policy for Jade Stanley Ltd. Healix Insurance Ltd is registered in England and Wales under No. 5484190 and authorised and regulated by the Financial Conduct Authority under No. 437248. Hamilton Insurance DAC is registered in Ireland No. 484148, authorised by the Central Bank of Ireland, and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in connection with their UK branch. Jade Stanley Ltd is registered in England and Wales under No. 03570857 and authorised and regulated by the Financial Conduct Authority under No. 306205.

1. What happens if, when Riding a horse abroad, I fall off the Horse and get injured? How does the Travel Insurance cover me?

We will provide Medical Expenses and Repatriation to your home country for any injuries whilst Horse Riding abroad.

2. What protective gear do I need to be wearing so that the Travel Insurance remains valid?

I am wearing a Helmet. This should be the correct fit; wearing a helmet can prevent you from a severe head injury.
Proper Riding Boots. It will stop your feet from sliding out of the stirrups.
Jodhpurs are made of stretchy material that will allow you to move more freely with your Horse.
Protective Jacket. Protection from unnecessary cuts and abrasions.

3. If I take out an Annual Multi-Trip Travel Insurance policy, are there any restrictions on the number of horse riding holidays I can take?

There are no restrictions on how many trips you can take and participate in Horse Riding. You should know that each trip must be within the duration stated on your Certificate. (31 days) on our online policies.

4. If I travel for an extended period, such as a Gap Year, or explore the world for an extended period, can I get a policy for the duration of the trip, and I will be Horse Riding whilst I am away?

Our Backpacker policy covers Horse Riding as an activity while you are travelling. You can extend the policy at any time, and it can be extended up to 18 months.

5. What is the age limit for a JS Travel Insurance policy for Horse Riding?

The online age limit on a Single or Annual Multi-Trip policy is 65. We can offer policies for the above age groups. Please get in touch with us for a quote.

6. What happens if I go on holiday and decide that I want to go Horse Riding?

You should contact us by telephone or email so we can amend the policy and add Horse Riding.

7. What happens if I book an actual Horse Riding Holiday and cannot ride due to injury before departing my home?

You can claim for Cancellation due to illness, and the policy also covers Curtailment.

8. What is the difference between a Travel Insurance Policy that covers Horse Riding and Horse Jumping?

Horse Riding is a leisure activity usually involving riding in the countryside or even on a beach, whereas Horse Jumping is an equestrian activity. We can provide cover for both.

If you plan to go Horse Riding and do any jumps, you must select Horse Jumping to cover you fully.

9. Does this policy cover Personal Liability?

I am afraid we do not offer cover for personal liability due to the nature of the activity and the fact that horses can be unpredictable.

10. Does this policy cover Personal Accidents?

Yes, this policy does cover Personal Accidents such as total disablement or death.

www.horseridingspain.com/en/index.asp - Located by the Sierra de las Nieves National Reserve, you will ride the beautiful, fit and surefooted Andalusian horses. Horse Riding Spain will take you through rivers and river valleys, orange and lemon tree plantations,

Forests and mountains into the rugged countryside of Andalucia. After the rides, you can appreciate a long, lazy, hot afternoon by the pool with a cool drink.

www.chateau-de-laumiere.com - Chateau de Laumire offers Horse Riding holidays in Southern France.

Here, you will explore the vast amount of beautiful countryside the south of France offers; most of the Riding takes place in the morning for around 3 hours.

www.ilparetaio.it/en - Located in the Chianti Region, Il Paretaio offers Horse Riding lovers the chance to explore the surrounding areas with breathtaking landscapes or participate in group lessons.

People who enjoy a pleasant holiday can unwind in Tuscany or visit cities such as Florence or Siena (both are only half an hour away).

Il Pareto is a member of the FISE (Italian Equestrian Sports Federation) and has been featured in many Horse Riding magazines, such as Horse & Rider UK and Your Horse UK.

www.cretehorseriding.com - Plakias Horse Riding Center invites you to enjoy peaceful Horse Riding amongst the small hills and olive groves as well as the beautiful beaches of Plakias on the south coast of Crete.

Here, you can enjoy up to 11 different rides that vary in length and can take one to four hours, depending on the pace and terrain you will ride.

www.riding-hungary.com - Riding Hungary will form your Horse Riding holiday based on your strength on the Horse and the days you are there.

During your horse riding holiday, you will learn about the following areas of Hungary: Balaton-Upland, Tapolcai Basin, Kali Basin, and Keszthely Mountain. Riding Hungary is just 3 kilometres from Lake Balaton (the biggest lake in Central Europe).

Hungary's summer can be sweltering, so day tours are not organised during this period. However, in the Summertime, they offer one—or two-hour Horse Riding Tours in the mornings and afternoons.

www.stonehorsemongolia.com - Stone Horse offers two different Horse Riding Expeditions in Mongolia, The Gorkhi Terelj National Park and the Khentii Strictly Protected Area.

These areas make up Mongolia's largest wilderness, and these expeditions offer the best of Mongolia's natural scenery.

www.riding-iceland.com - Riding Iceland Tours is designed to follow the ancient riding trails that have served people to travel across the country ever since the first settlement of Iceland.

Here, you will come across perfect horse riding tracks for galloping at full speed, which is an overwhelming feeling. On your tour, you will gallop through the wilderness into the remote Icelandic highland mountains where small huts lay.

If you are not riding that day, there are natural hot pools where you can unwind and relax the muscles.

Horseback Riding Holidays

Every Horse-Riding Holiday Company has Horse-Riding Itineraries, from riding in the Icelandic Mountains to exploring Horse-Riding Safaris in South Africa.

Due to temperatures in some countries, you will only ride in the morning for a couple of hours or in the evening when the sun goes down.

Many horse riding trips are guided; you can travel in small groups or hire your guide. You will be advised to follow the best routes in the area with a fun and relaxed atmosphere.

Some companies offer self-guided trips to help you find your trails, routes, and scenery. This will let you ride and gallop at your own pace and enjoy the fresh air.

Here are the top 6 Booking Facilities for Horse Riding Holidays:

www.farandride.com/riding-holidays/europe

www.unicorntrails.com/europe

www.equestrian-escapes.com

www.zarasplanet.com

www.rideworldwide.com

Horse Riding Wearing a Stetson

We can provide cover if you are planning a trip and wearing a Stetson instead of a Horse Riding Hard Hat. This is most popular on a US Ranch.

When getting a quote, please select Horse Riding (Ranch)

If you have been Horse Riding before and may have had an injury or accident while participating in Horse Riding, you must declare this when purchasing a policy.

We have several providers who can offer travel insurance, including Abseiling and if you have a pre-existing medical condition.

GET A QUOTE

The British Horse Society

Horse Rookie

Tsylos Park Lodge

Horse Jumping Travel Insurance | JS Insurance

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JS Travel Insurance is the trading name of Jade Stanley Limited, 5 Chapel Mews, Waterloo Street,Hove, East Sussex, BN3 1AR, Telephone: 0800 043 0020 . Jade Stanley Ltd is authorised and regulated by the Financial Conduct Authority. FCA Registration number is 306205

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Travel insurance

Why travel insurance is so important.

A horse riding safari in Africa will, without doubt, be an adventure. However, it doesn’t have to be a risky leap of faith into the unknown.

We aim to ease all concerns before you embark on your horse riding holiday-of-a-lifetime. Our personal experience, detailed knowledge and understanding of safety concerns, means you will be able to book an African horse riding safari with complete confidence and peace of mind.

It is vital to get comprehensive travel insurance to cover any trip you take, but especially a trip to Africa. We highly recommend getting your insurance as soon as you’ve booked your trip and that a cancellation clause is part of the policy.

As you will be riding every day, it’s crucial and a requirement that you have a policy that includes horse-riding, evacuation and repatriation.

Please note: 1. If you are riding with wildlife, you will need to check that your policy covers horse riding safaris specifically. (Not needed for Egypt, Morocco or beach riding) 2. If you are doing a trail/expedition ride (horse riding being your main mode of transport) you will need to check if they cover this specifically. 3. If you are doing a ride or working holiday where you will be jumping, please also ensure your policy covers jumping.

Here are our recommended Travel Insurance Companies:

You can also chat to your own personal insurance/credit card insurance to see if you’re already covered. Please just read through the fine print.

Please ensure that you’ve contacted your insurance company to find out what the procedure is should you need to claim during your trip. It is very important that we have all the correct emergency contact details. Most hospitals and air rescue will require upfront payment – ensure you have a credit card to cover such emergency costs.

African Horse Safaris gives the above advice and suggestions in good faith and to the best of their knowledge, but it is the responsibility of the rider to check that your policy adequately covers the activities you will be doing.

It is also advisable that your insurance covers unexpected losses or expenses e.g. lost luggage or cancelled/missed flights.

Please check any exclusions and that your policy covers you for the type of ride you are doing and all the activities you want to undertake – you may not be allowed to ride without adequate travel insurance which is why we need this information in your booking form.

Remember, some insurance policies specify that you must be wearing appropriate clothing and a riding helmet to be covered for horse riding – Please check with your insurance company that you will be covered if you choose not to wear one.

#1 Horse Riding Safari Provider in Africa. African Horse Safaris provides an extensive and detailed portfolio of Africa’s most iconic horse rides – and a peek at a few of its best kept secrets.

[email protected] Tel: +447547814767 Tel: +27813970745

First Floor Constantia Checkers Emporium, c/o Ladies Mile and Spaanschemat River Rd, Constantia, Cape Town, South Africa 7806

QUICK LINKS

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RIDING FOCUS

Wildlife Focused Horse Safari Beach Focus Riding Holidays Desert Focused Horse-Riding Holidays Scenery Focused Horse Safari Epic Expeditions Volunteer With Horses Horse Riding Family Holidays Horse Safaris with Non-riders Sports Horse Riding Holiday Non-riding Add-Ons

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[email protected] Tel: +447547814767 Tel: +27734826131

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Where do you live

All persons to be insured must reside at a permanent address within the EEC ( Excluding Switzerland, Russia, Belarus, Montenegro and the Ukraine) to be eligible for cover.

Can I take out this insurance if I am already travelling?

When cover is purchased after an Insured Person has departed their home to commence their journey, there is a fixed period of 48 hours prior to cover commencing. Any illness arising during this initial 48 hour period will be an excluded Pre-existing Medical Condition. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being independently witnessed and also verified by a Medical Practitioner.

There is no 14 Day Cooling off Period and no premium refund will be made if the insured Person has already travelled.

family family

Definition of a couple

A couple is defined as 2 adults who have been permanently living together at the same address for more than six months, who intend to travel together.

If you do not qualify as a couple, please select individual(s)

Annual Multi-Trip Durations

Annual Multi Trip policies are designed for multiple short holidays leaving from and returning to your home country.

Annual Multi Trip trip limits:

Standard policy - 30 days

Premier policy - 70 days

If you need continuous cover for a year (home visits allowed on policies over 4 months long) select Single Trip or One Way. You can travel around as much as you like, to as many different countries as you like, with a Single Trip or One Way policy.

One Way Trip

Please note a Single Trip policy can cover travels with no return ticket booked, a One Way policy is intended for:

Emigrating to new country where you intend to permanently live

Returning to your home country permanently

All cover ceases upon arrival at final destination

Select the type of policy most suitable for your needs.

Single Trip: A flexible policy with no limits on how many countries you visit or how long you’re away for. Suitable for all types of travel whether it be short term/long stay or backpacking. No return ticket required and unlimited home visits offered on policies over 4 months long.

One Way Trip: Means you are Emigrating to a new country where you intend to live permanently or, returning to your home country permanently. Cover will end upon arrival at your final destination. Please note: There is no cover for emergency return travel expenses if you do not have an original return ticket.

Annual Multi-Trip: This policy covers an unlimited number of trips throughout the 12 month Period of Insurance. Each trip has a maximum stay validity depending on the type of policy chosen. For example, for Standard Policies, the maximum duration of any trip shall not exceed 30 days and for Premier policies, the maximum duration of any trip must not exceed 70 days.

If you are already travelling it is not possible to purchase the annual multi-trip policy.

Geographical Areas

Europe: Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary Islands, the Azores and Mediterranean Islands as well as all countries bordering the Mediterranean. Australia & New Zealand: a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide excluding North America & Mexico: (North America means the USA, Canada & Mexico.) a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide including North America & Mexico: Worldwide means anywhere in the World including the USA, Canada & Mexico.

Automatic Trip Extension If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the Booking Invoice or Validation Certificate (as applicable) for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium. In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance of a period not exceeding twelve months from the date of the hijack. Please ensure you arrange cover for the entire duration of your travel

Where you normally reside

Where do you normally reside? Where do you normally reside? Please use the drop down box to choose your country of residence. Note we can only insure residents of the UK & EEA Countries. Can I take out this Insurance if I’m already abroad? If you are normally a resident of the UK or EEA Countries and your insurance has run out, you may take out cover online with us. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Note you cannot take out our Multi-Trip Insurance if you are already abroad. Do you have minimum residency requirements? No. If you are, for example, a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you have a UK residential address.

Age Restriction Error

We are unable to quote, Please ring our Offices on 0333 0033 161 for further assistance.

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Standard Pack (Included)

Included in all the Policies, The Standard Pack covers for Activities such as Hot Air Ballooning, Sailing, snorkelling, scuba diving up to 18metres, water skiing as well as walking , hiking or trekking up to 2,500 metres. This is serious mountain altitude as our highest peak, Ben Nevis, is just 1,344 metres up. For a full list of all sports & activities covered click here.

Activity Pack

But if you want to get a bit more active, then our Activity Pack covers activities such as offshore sailing, scuba diving to 40 metres in depth, jet skiing, biking, bungee jumping, cycle touring, horse riding, , tandem sky diving, via ferrata as well as white water rafting and trekking/hiking up to 4600 metres. Here is a full list of sports & activities covered.

Extreme Activity Pack

Our Extreme Activity Pack covers activities such as hang gliding, kite surfing, paragliding, multi pitch rock climbing, as well as trekking above 4,600 metres, with no upper altitude limit and is suited to the most challenging of mountain treks such as Mt Kilimanjaro & Everest Base Camp. For a full list of sports and activities covered click here.

Medical & Repatriation

Medical Cover is the most important part of your travel insurance. Our Premier policy covers up to £10m for hospitalisation, medical and repatriation expenses, up to £5m for our standard and up to £2m for our budget policies.

Get Cover If Already Travelling

You don't need to be in your Home Country to get cover, you can buy a policy from anywhere in the world, as long as you're residential status is still in the UK or EU. Just follow the Quote form to get a price and complete your purchase.

Working while abroad

Non manual / clerical work is covered for free, if you'll be volunteering, WWOOFing or partaking in any sort of manual labour - our Activity Adventure Travel Insurance Pack can cover you.

Cancellation & Baggage Cover

24 hour emergency helpline, up to £10m medical cover, claim while you're travelling, adventure travel insurance.

Big Cat’s Standard Adventure Travel Insurance policies already cover you for a spectrum of recreational activities such as rambling, safari travel, surfing and water skiing. But with our Activity Adventure Travel Insurance Pack you can include cover for an extensive range of adventure sport activities that can be an essential part of your holiday. These include mountain biking, single or multi pitch rock climbing, parasailing, horse riding, white water rafting, jet boating, dog sledging, trekking over 4,600 metres, and many more. Non manual / clerical work is covered for free, if you'll be volunteering, WWOOFing or doing some manual labour - our Activity Adventure Travel Insurance Pack can cover you.

Key Features of our Adventure Travel Insurance Cover.

Cover for over 156 Sports and Activities.
Emergency Medical and Repatriation Expenses up to £10 million.
Personal Liability up to £2 million.
Baggage & Personal Effects up to £2,000.
Gadgets & Valuable up to £1,000.
Personal Money up to £500.
Passport and Visa replacement costs up to £300.
Unrestricted return trips home.
Cover if you wish to undertake light-manual or volunteer work.
Winter Sports
Facility to arrange or extend Insurance when already travelling.
Money-back 14-day cooling off period if you decide to cancel prior to departure.

Some FAQ's:

Riding a motorbike or scooter up to 125cc is automatically covered with all our policies. Riding a motorbike over 125cc can be covered with our Activity Pack Add-on.

If you are a pillion passenger on a motorcycle tour, such as the Ha Giang Loop, this is covered automatically and does not require any Activity Packs or any relevant licences.

When riding, you must always ensure you:

Wear an appropriate crash helmet.
Obey the Local road rules and laws
Have the relevant licence(s) required to ride a motorcycle in the country or countries you will be riding in. If the country you’re in requires you to obtain a specific in-country licence to legally ride a motorcycle, then to be covered, you must obtain this licence.
If all that’s required is an International Driving Permit (IDP), and you hold an IDP, then there’s no need to go about getting any more licences.
Be aware that an IDP will only allow you to ride the same class of vehicle as your home licence allows. So, if you’re not licensed to ride a motorbike at home, you’re not licensed to ride a motorbike abroad under your IDP. It's up to you to make sure you are licensed for the type of motorcycle you hire.
You should always ensure the bike is fully insured (motor insurance arranged by the company that owns the bike) as there is no Personal Lability cover whilst riding a bike. We cannot cover any participation in competitions or racing or any kind.

If you get sick while travelling or you're seriously injured you are covered for emergency medical treatment including:

Hospitalisation
Ambulance costs
Surgery and follow up treatment
Visits to the Doctor
Repatriation
Prescribed Medicine
Emergency dental treatment to relieve pain and suffering (limited to £350)

24hrs Medical Emergency Assistance.

Decide Canada’s not for you, and want to return earlier than your full period of insurance?

Other insurers will tell you to wave goodbye to your money, but Big Cat lets you claim a partial premium refund for the unused time you didn’t stay in Canada.

How does the EARLY RETURN REFUND work?

Let’s say you buy a 24-month policy to cover your time in Canada. But after nine months, you decide that Canada’s not for you, and you want to return home. You may have invested a substantial amount for your 24 months Big Cat policy, most of which you’ll now no longer need. Unlike most insurers, Big Cat is happy to offer you a partial refund on the redundant portion of your insurance as a fair’s fair consolation. Please note that travel insurance premiums are not calculated on a pro-rata basis, as such, no refund is calculated in this manner either.

How does Big Cat calculate the amount of EARLY RETURN REFUND?

We take the length of time of the original policy and subtract the actual amount of time you have used, and payout the difference, deducting a £50 Cancellation Charge.

Are there other conditions that apply to my EARLY RETURN REFUND?

Only applicable to 24 month IEC policies.
We are not able to offer refunds to cover the first 6 months of the policy.
No refund can be given on a policy where a claim has been made or is likely to be made prior to the cancellation of your Big Cat policy.
You must be back in your home country and notify us by email of your wish to cancel the policy within 14 days of your arrival, please also provide us with proof of your return to the UK (flight ticket / e-ticket / boarding pass).
All refund calculations are based on the base premium paid only. Add-ons are non-refundable.

Can you give an example of how much I could receive back in my EARLY RETURN REFUND?

Say you took out a 24-month budget IEC policy costing £525.24, then you wish to cancel the policy after 9 months. Our 9-month budget IEC policy costs £312.55. So we deduct £312.55 from £525.24 = £212.99

Then we apply the £50 Cancellation Charge, refunding you a total of £162.99.

Temporary return to home country (Single trip policies only) Where cover has been purchased for a total duration of 4 months or more, and you want to return to your home country during the period of insurance for any reason that is not directly or indirectly caused by arising or resulting from, or in connection with a claim under this insurance all cover under this policy will be suspended from the time that you clear customs in your home country and restarts after the baggage check in at the international departure point for the return flights, international train or ferry to the overseas destination. Any illness, disease, injuries, accidents which existed, showed symptoms or were diagnosed in the previous trip(s) during this period of insurance will not be covered in the restarted period of insurance.

To add any of our Activity Packs, just follow the Quote form - to stage 3 - there you will find all of the optional extras.

Means WWOOFing, fruit picking, casual farm work. Other Manual Work can be covered as long as it does not involve the use of plant/trade/industrial/agricultural machinery (other than tractors) or non-domestic power tools.

Please get in touch if you'd like to find out if we can provide cover for any light manual work you will be doing.

WWOOfing is classed as Permitted Manual Work, so with the Activity Pack, you’re covered.

(see above)

Yes, bar work or working in a chalet is automatically covered with all of our policies.

Non-manual/clerical work is covered automatically with a Big Cat policy. So, there’s nothing you need to add to be covered for things like teaching, caring or nursing.

With the Activity Pack, we can also cover work of a more manual nature. This can include things like WWOOFing, partaking in community or wildlife based conservation work, charity based supervised building / renovation projects or other permitted manual work (defined below).

Cover is excluded for any activity that involves the use of industrial machinery (other than tractors) or non-domestic power tools.

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388) is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services. All rights reserved.

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List of automatically covered medical conditions that do not need to be declared

Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration, Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment, Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs.

Important information

If you have a medical condition in addition to any of the automatically covered medical conditions, all conditions will be excluded from cover unless declared to the medical screening helpline.

What is classed as a medical condition?

a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/ specialist or prescribed medication).

b Any psychiatric or psychological condition (including anxiety, stress and depression) for which you have suffered which you have received medical advice or treatment or been prescribed medication for in the last five years.

c Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or for which you are prescribed medication.

Any premium for medical screening quoted can be paid directly. This can be done either before or after taking out a policy with us. The policy and medical extension connect automatically, no reference numbers need to be exchanged.

Choosing not to declare a medical condition will not invalidate cover, but any costs incurred in relation to an undeclared condition will not be covered.

If making a declaration all medical conditions must be declared, you can't choose to only declare certain conditions.

Medical conditions can only be declared for up to 12 months at a time. A second declaration will have to be made after 12 months if necessary.

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Any questions? Call us on 01494 887909

Horse Riding Insurance

Specialist Insurance for Horse Riders

For horse riders there’s no greater feeling than saddling up, taking the reigns and riding off into the sunset. But with horses sometimes temperamental animals, unforeseen accidents can occur.

So before you head out on horseback for any hacking, show jumping or other equestrian-based activity, it’s vital to make sure you are covered by a suitable horse riding insurance policy.

At Protectivity, we can cover your riding adventures for those bumps and spills that can often lead to injury with our Sports Accident Insurance. Just scroll down to get your instant quote today.

Heading overseas for a riding holidy? Our Sports Travel Insurance is the perfect protection, covering both your standard travel worries such as lost baggage and delays as well as your riding activities.

Get an instant quote

Why choose protectivity, instant quotes & cover.

Insurance doesn’t have to be complicated; we’re focused on making your purchase experience as pleasant and straightforward as possible. Tell us if you’d like annual cover or protection for a prescribed number of days and for what sport and you’re away!

Many Sports On One Policy

We include cover for all sports in the same risk group and below your selected activity as standard. That means when you choose horse riding (Group 6) you’re covered for over 400 other sports too!

Sports Insurance Specialists

After 25 years of providing sports protection insurance to individuals and clubs we’re experts in giving you what you need. Our policies are designed to give you total protection for a competitive price.

Excellent Claims Handling

The chances of suffering an injury while riding are higher than in most sports. As an added benefit to you, our claims handlers deal with claims in an efficient and sympathetic manner.

What's included in our Horse Riders Insurance policy?

Our policy for horse riding in the UK includes the following benefits:

Personal Liability

Providing you up to £2 million worth of legal liability if you caused accidental injury,death or property damage to a third party and they decide to take legal action against you. Your defence costs are then handled by us.

Permanent Disablement

Serious injuries suffered whilst riding, hacking or show jumping, could mean that you are eligible to a lump sum payout. Injuries such as the loss of sight or even death are covered up to £30,000.

Physiotherapy and Dental Fees

An injury suffered on horseback may require a period of physiotherapy. On each policy we provide up to £350 for your physiotherapy treatment, as well as the same amount towards necessary dental fees.

Optional Income Protection

If an injury suffered whilst riding means you are unable to work for a set period of time, we could provide you with cover of up to 75% of your usual take-home pay for a period of up to 26 weeks.

I was really pleased with how my claim was settled. It gave me great confidence that Protectivity covers me when the worst happens.

Fantastic claims handling

We are committed to making our claims process as simple and efficient as possible.

If you think need to make a claim, just click the link below, select the relevant form and fill in the details and we’ll take it from there.

Further information on our policy

If you have any other questions regarding our Sports Accident Insurance policy, then feel free to get in touch with our friendly team on 01494 887909 . Our phone lines are open 9am to 5:30pm, Monday to Friday.

More information on what we can cover on this policy can be found on our FAQs page.

Travel Insurance for horse riding accidents

Yay or neigh find travel insurance for horse riding..

In this guide

Which travel insurance brands cover horse and animal riding

What is reasonable care, is horse riding safe, what do i do if i get injured, ten popular horse riding destinations, can i get cover for camel and elephant riding, safety checklist for horse riding and animal riding.

Destinations

Horse riding down the plains of Salta in Argentina or trekking across the Koh Samui jungle on an elephant are travel experiences like no other. Before you buckle up and ride the beast, make sure you have travel insurance that covers you for emergency medical expenses in case anything goes wrong.

What conditions must you follow to get cover for horse riding?

Conditions that you must follow include:

Taking reasonable care
Taking out an additional sports pack if riding is not included automatically
Riding purely for recreational purposes and not competing in a professional context
Not doing any polo, jumping or hunting when horse riding

Note: This information was last updated August 2022

Riding under supervision from a licensed provider
Obeying all instructions given regarding your ride
Wearing the required safety gear such as a helmet and riding outfit
Not behaving in a reckless manner or intentionally harming yourself or others.

Finder survey: What type of holiday do Australians plan to take in the next 12 months?

Horse riding is by nature a risky sport. A horse can weigh as much as 680kg, travel as fast as 50kph and stand as tall as 3 metres high. As well, horses are nervous animals that can be easily spooked, making them highly unpredictable.

What are the main risks of horse riding?

The main risks of horse riding

Falling off. This can happen to riders who don't learn basic riding skills e.g. stopping.
Being kicked. This can happen when riders walk behind horses, who are ultra sensitive creatures.
Losing control. An inexperienced rider can lose control of a flighty horse and be thrown off, dragged along behind or injured against trees and other obstacles.

Common horse riding injuries

The most common types of horse riding injuries are

Soft tissue bruises and sprains. Commonly as a result of taking the pressure of falls on ligaments e.g. the ankle.
Broken bones. Commonly fractures of the bone caused by severe falls.
Shoulder dislocations. Commonly a result of attempting to break falls with ones arm and putting pressure on the shoulder.
Concussions. A result of taking impact on the head from falls.

If you or your travelling companion are injured while horse riding:

Follow these steps

Seek medical attention immediately.

If you're the one who is injured, someone who is supervising you or your travelling companion will attend to this. Most licensed supervisor's will be trained to critically assess you and help you get the right treatment if you're injured more info button .

Get in touch with your travel insurance provider.

If you're unable to do this yourself, have someone contact them on your behalf. Your insurer can help you find hospitals overseas and even help you guarantee emergency medical costs up-front e.g. with ambulances and emergency surgeries.

Compile all medical documents and incident reports.

This will help you make a claim for any medical costs or for the cost of additional travel arrangements that come out of your own pocket. Remember to get the insurance details of the licensed horse riding provider too.

Make a claim.

Fill out and submit a claim form from your insurance provider along with any necessary documents.

Popular horse riding destinations around the world include;

1. Valle de Bravo, Mexico

A trail that circles the beautiful azure lake of Valle de Bravo.

2. Masai Mara, Kenya

Galloping on polo ponies through a landscape populated by African wildlife.

3. Loire Valley, France

A horseback tour through the historical Loire Valley, staying overnight in real French castles. Read the travel insurance guide for France .

4. Tuscany, Italy

Riding through idyllic landscapes on fine Tuscan horses and enjoying the best of Italy’s food and wine. Read the travel insurance guide for Italy .

5. Quebec, Canada

The Inn to Inn Ride, which takes in magnificent scenery and includes stays in historical inns along the way. Read the travel insurance guide for Canada .

6. Jerez and Seville, Spain

A visit to a riding school in Andalusia and the world famous Royal Riding School in Jerez. Read the travel insurance guide for Spain .

7. Rajasthan, India

The Palace to Palace Ride, which travels between two ancient Indian palaces on endurance horses. Read the travel insurance guide for India .

8. Cappadocia, Turkey

A ride through the historically rich region of Cappadocia over rugged terrain and through historical villages. Read the travel insurance guide for Europe.

8. T he Andes, Peru

A breath-taking ride from Cusco to Machu Picchu, surrounded by the sheer rugged beauty of the Andes. Read the travel insurance guide for South America.

10. Estancia, Argentina

A visit to an Argentinian ranch, where you can ride with gauchos and see their famed horsemanship in action.

If you visit a desert region of the world, you may have the opportunity to go camel riding. Similarly, elephant riding is accessible in some exotic parts of the world such as Thailand and India.

As with horse riding, there are conditions

Most insurers will cover you for camel and elephant riding, but the same provisos apply as with horse riding. This means you must only ride recreationally and under supervision (not professionally or racing), you must take normal safety precautions and must not take unnecessary risks such as riding recklessly or under the influence of drugs or alcohol.

In light of the injuries a horse riding mishap can cause, the following are some ways you can minimise your risk:

Wear a helmet or hard hat and appropriate clothing, including breeches and boots.
Don’t ride above your level of experience. In other words, if it is your first time on a horse, don’t choose a young, spirited horse.
Don’t ride too fast on dangerous terrain where hidden potholes or obstacles could bring down your horse.
Check cinches regularly to ensure they are still tight around the horse, as they can loosen over time.
Don’t stand behind a horse, particularly in a pen, as it can kick you faster than you can move away.
Make sure you are fit enough to ride, as any injuries such as falls can be worse if you are out of shape.
Make sure you only ride with qualified instructors and ride leaders.
If you are an inexperienced rider, make sure someone is holding the horse when you mount and dismount, preferably using a mounting block.

Compare horse riding cover

Jessica Prasida

Jessica Prasida is a travel insurance expert for Finder. She lives and breathes travel, having worked as a travel agent and branch manager at STA Travel for over 4 years, then writing about travel insurance with Finder for another 5 years. Jess has a Bachelor of Business from the University of Technology, Sydney and a Tier 1 General Insurance qualification. See full profile

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Saddle up for the holiday of a lifetime on horseback

Do you usually spend your holidays laying by the pool or feeling the sand beneath your feet at the beach? We can’t deny the allure, but have you ever considered getting closer to nature?

Columbus Direct offer free horse riding travel insurance, so if you’re looking to see more and do more on your break, whilst meeting new people and eating great food – a horse riding holiday might be right up your paddock.

We spoke to In The Saddle founder Olwen Law about horse riding holidays – and why everyone who’s seeking adventure should spend their break seeing the world on horseback. She’s an authority on the subject, as she set up her business 21 years ago after deciding to combine her passion for travel, riding and photography.

After setting up riding holidays in five countries, In The Saddle now offers over a hundred trips in 40 countries. However, what if you’ve never ridden before?

“We have plenty of destinations suitable for beginners, or people who have never ridden before,” she explains. “We also offer more challenging rides for experienced riders.”

“The majority of our customers are women, around 75%, but we get a good mix of people of all ages. We don’t have any set age limit and our oldest customer was 90 – she went to South Africa with her 63 year old daughter!”

Has there been a surge of interest? Why are more people choosing horse-riding holidays?

The rise in popularity of riding holidays has been gradual rather than sudden, and has grown in line with the overall increase in adventure holidays. In the early years, people weren’t as confident about the quality of the horses abroad. I think convincing people that there are good, stable horses in these countries has been our biggest challenge over the years.

What are the benefits of a holiday on horseback?

I may be biased, but I think they’re perfect holidays. Typical group sizes range from 6-10 people, so there are always other people to talk to, but you’re not going to get lost in a crowd. You’re doing something active during the day, but you don’t have to think too hard - you can relax and watch the scenery go by. It’s brilliant escapism for anyone with a busy job. Plus, as you’re on horseback, the views are just that little bit better!

How do these holidays let people experience travel in a different way?

There are so many types of riding holidays. You can book beach rides, ranches, horseback safaris, instruction holidays where you can improve your dressage, and expeditions, to name a few. Ranch holidays have always been popular. On a working ranch, you become part of the team and there’s a real feeling of achievement. We’ve had customers who have seen videos of cantering with zebra and learned to ride, just so they can go on a horseback safari.

In Spain, we have a wide range of trips from rides on the Costa de la Luz in Andalucia to trail rides through the Pyrenees on the French border. On a riding holiday you have a connection with the country you are visiting that you just don’t get with other holidays. Many countries around the world have a long equestrian tradition that’s quite different from the UK. It’s fascinating to see how different cultures have shaped it in their own unique way.

Do you get many families and groups of friends taking part?

We get a complete mix of families, friends, couples and lots of singles. Riding holidays are particularly good for people travelling on their own as you’re joining a ready-made group with everyone having a shared interest.

Is it affordable – and can it be just as cheap as a beach holiday?

There is a misconception that riding holidays are expensive. It’s true that you don’t get really cheap riding holidays because these are small group trips with a lot of personal involvement, and there is the added cost of feeding and keeping horses. There are some great holidays in France and Spain for less than £1,000, including all meals and flights. The big factor affecting price is the level of accommodation and, for those who have that kind of budget, there are plenty of rides with luxury accommodation.

Do people stay in the same hotel every night, or do you move around? What about food and drink?

There are two basic types of riding holiday. There’s those which are centre based, where you stay at a lodge or villa, ride out each day and return to the same place each evening. Then there’s the trail ride, where you ride to a new place each afternoon. The centre based rides are great for less experienced riders, as you can choose to do shorter rides or take a day off from riding, which is more difficult on trail rides where you have to get to the next hotel or lodge. On most holidays everything is included, even drinks, but sometimes if you are near a town it’s nice to go and choose a local restaurant.

Do people get very attached to their horses, and form a bond?

Developing a partnership with your horse is key to the riding holiday experience. We tell the guides as much as possible about each rider’s experience and preferences, so they can match them up with a suitable horse. In most cases they get it right first time, but occasionally we need to change horses after a day or two. Some customers like to go back to the same destination each year and they will often check first to make sure their favourite horse is available. We also have quite a few customers who’ve completely fallen in love with their horse, bought it, and arranged to have it brought home!

How do you treat newcomers, and put them at ease? What about more competent riders?

We have developed a colour coding system so that you can see at a glance whether a ride fits your level of experience. We encourage customers to talk to us first before booking just to make sure that the riding will meet their expectations.

Is there time for lounging on the beach or sitting by a pool, or are people riding all day every day?

Typically, you ride for about four or five hours a day, so there is plenty of time to chill out. If you are on a week’s holiday, there is usually a rest day for the horses. The centre-based rides allow more time for relaxing, as moving accommodation on the trail rides takes up quite a bit of the day!

Would you say it’s a good way to see the world differently, and spend summer holidays more productively?

Definitely. Give it a try - you may be converted to a very different type of holiday!

Did you know that Columbus Direct's travel insurance covers horse riding for FREE? Our policies include over 150 sports and activities as standard, so we’re the ultimate travel partner if you have a taste for adventure. You can enjoy every minute of your riding holiday and feel secure in the saddle, knowing we’re just a phone call away if you should need us.

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Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, safari travel insurance.

Unlimited medical emergency expenses¹
Up to £10K cancellation cover
24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Safari travel insurance

Embarking on a safari is an amazing feeling and the ultimate wildlife viewing experience with an abundance of destinations to choose from. Finding the right cover should be easy so you can focus on your holiday!

Our travel insurance policies all come with automatic cover for over 50 sports and activities including insurance for safari, surfing, and even horse riding ! Whether it’s your first safari trip or you’re a seasoned traveller, you can rest assured knowing that your safari travel insurance won’t be something to worry about.

As always terms and conditions apply, so check the policy wording for full details of these and the other activities we cover.

You’ll be covered for taking a safari while you’re away, even if you’re doing it for your entire trip.

Why do you need travel insurance for a safari?

Like everything in life, safari trips can result in unfortunate events happening, like contracting an illness from contaminated water or falling ill from a mosquito bite. You may need medical attention while abroad, so it’s important to ensure you have an adequate travel insurance policy which will cover you in the event of an accident or injury. We’ll have you covered!

What is included with safari travel insurance?

As a safari trip falls under all our policies as one of 50 amazing adventure sports and activities , you’ll be able to enjoy your safari trip knowing that you’re covered for:

Medical expenses and hospital benefit
Personal accident and liability
Cancelling and cutting short your holiday
Abandoning your trip
Delayed departure
Accommodation cover
Personal belongings and baggage
Personal money, passport and travel documents
Legal expenses

Safari safety tips

Don’t let an accident on the first day ruin the whole week; remember a few simple tips and ensure a great time on your safari.

Make sure to always use a qualified and recognised guide
Always make sure a first aid kit is at hand
Always carry enough liquid if you’re out in the sun
Choose the right travel insurance policy for you, get a quote online or read our policy documents for more information on our travel insurance that includes cover for safaris.

Please note: ‘Safari travel insurance’ is a general term for cover included within our standard travel insurance. We don’t offer specialist insurance cover for this specific activity.

Unlimited emergency medical expenses available on Black level policies.
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Q: Do I need horse riding travel insurance if I have regular travel insurance?

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