Answer
Jan 14, 2026 - 02:07 PM
Yes, our plans do have activity-related exclusions.
Under our policies (like Choice, Elite, Cruise, etc.), many high-risk or extreme activities are excluded unless specifically noted otherwise:
Common exclusions include:
Destination Restrictions:
Yes, our plans do have specific destination restrictions. These are countries or regions where the policy will not be available or provide coverage.
Depending on the plan, certain countries are listed as restricted, meaning you can’t purchase coverage for a trip to those destinations, and the policy wouldn’t cover events to those destinations.
You can find the full list of restricted countries on our website under "Get Help"
Under our policies (like Choice, Elite, Cruise, etc.), many high-risk or extreme activities are excluded unless specifically noted otherwise:
Common exclusions include:
-
Skydiving, parachuting, BASE jumping
-
Bungee jumping
-
Hang gliding, parasailing
-
Mountaineering (with ropes or specialized gear)
-
Scuba diving beyond depth limits or without a dive master
-
Skiing/snowboarding outside marked trails or extreme skiing
-
Heli-skiing and other helicopter accessed snow sports
- Professional, competitive, or organized sports events
Destination Restrictions:
Yes, our plans do have specific destination restrictions. These are countries or regions where the policy will not be available or provide coverage.
Depending on the plan, certain countries are listed as restricted, meaning you can’t purchase coverage for a trip to those destinations, and the policy wouldn’t cover events to those destinations.
You can find the full list of restricted countries on our website under "Get Help"
