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Sports Travel Insurance

Adventure travel insurance for active holidays

  • Up to £5,000 holiday cancellation cover
  • Search and rescue or emergency transfer to hospital cover up to £50,000
  • UK-based support
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If you need additional assistance arranging your insurance, find out how our teams can support

This policy is provided by our partner, Millstream Underwriting Limited. You will be directed to their website when you click ‘Get a Quote’.

One of the UK's leading independent insurance brokers

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Overall service rating 4.6 / 5

Based on 4300 customer reviews

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Why choose sports travel insurance with Towergate?

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Determine the length of your cover

Single and multi-trip travel insurance for UK residents

Motor boat

Cover for over 100 activities

Cover available for over 100 activities, from kayaking to scuba diving


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Ski cover

Ski cover for up to 21 days per year under a multi-trip policy

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Europe and worldwide sports travel insurance


Both Europe and worldwide cover options available

About sports travel insurance


Holiday cancellation cover

Up to £5,000 cancellation cover (on active trip plus policy), starting at the time of booking until you leave home to commence your trip. Covers cancellation due to injury, serious illness, death, jury service, posting overseas, FCO or WHO advice prohibiting all but essential travel and more.


Medical and personal accident cover

Search and rescue or emergency transfer to hospital up to £50,000 ((on active trip plus policy) if you are participating in an insured activity covered by your policy. Hospital in-patient cover up to limit shown on the summary of cover (Section 4, Hospital benefit). Accident cover for loss of limb, sight, permanent total disablement or death.


Stay in the know

The 360 Assistance Service offers online access to contact details for consulates and local medical facilities as well as the latest medical, political and security news. Simply register after purchasing your policy and sign up to alerts for specific countries you're travelling to.

Accidental Damage

Baggage and belongings cover

Up to £2,000 cover (on active trip plus policy) for the replacement or repair of your baggage if it is lost, stolen, damaged or destroyed, or for the cost of buying replacement necessities if your baggage is delayed on outward journey for over 24 hours.

When you need to make a claim, Millstream will guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0330 660 0785 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Sports travel insurance FAQs

This will be assessed on a case by case basis. The medical screening experts will ask you several questions relating to your health condition and this will determine whether Millstream are able to offer you cover. Please be reassured, everything you tell the team is treated with the utmost confidentiality and your details will not be shared with anyone outside of the organisation.

No. The UK’s reciprocal health agreements (E111 / EHIC) with the EU came to an end on the 1/1/2021.

It is therefore vital when travelling within Europe you purchase adequate travel insurance, if you wish to be covered for medical treatment.

MoneyHelper have developed a directory of specialist travel insurance providers to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance.

If you would like to check the quote provided is the best for you, you may contact them for details of these providers to obtain a comparison by calling 0800 138 7777 or visiting their website.

You can also see more information on OK to Travel.

Sports travel insurance can cover a wide range of sports, from cycling to quad biking, but premiums will range according to the sports you need cover for. You will be able to find this out during the quotation process.

This multi-trip sports travel insurance policy can cover up to 17 days of cover for these activities per insurance year.

Unfortunately, this policy only offers sports travel cover to UK residents.

The annual multi-trip policy covers people up to the age of 75 and the single trip policy people up to the age of 80. Note that the maximum trip length for the multi-trip policy drops to 31 days (as opposed to 60 days), for policyholders over the age of 65.

This multi-trip sports travel policy can cover UK trips which are pre-booked in paid accommodation for one night or more.

If your return is unavoidably delayed for an insured reason, cover can be extended free of charge for up to 30 days.

This policy can cover people with many common medical conditions. An extensive list of medical conditions covered can be found in the policy wording. However, if you are unsure, please call the Medical Screening Service on +44 (0)330 660 0563.

You can cancel your policy within 14 days of receiving it, if you have not travelled, made a claim, or intend to make a claim.

If your holiday is cancelled due to reasons covered under your policy conditions, you may be able to make a claim. A number of covered reasons:

  • Injury, serious illness, death of yourself or anyone you were intending to stay or travel with, an immediate relative or close business associate
  • If you become pregnant after policy purchase or booking trip (whichever is later) and will be more than 26 weeks pregnant at the start of or during your trip. Or if a medical practitioner advises not to travel due to pregnancy complications.
  • If you are called to jury service, court as a witness (excluding expert witnesses), or redundancy.
  • If you are posted overseas or required for emergency or unavoidable duty and work in the: medical, nursing, armed forces, police, fire, or ambulance services.
  • If FCO or WHO advice prohibits all but essential travel.

Please check the policy wording for further details on holiday cancellation cover.

No, you will need a separate policy to cover you against this.

Yes, the standard excess per claim is £150. Please note that a higher excess of £875 applies in respect of medical emergency repatriation by air ambulance or helicopter service in Nepal.

This sports travel insurance policy includes £2,500 cover for standard single and multi-trip policies and £5,000 cover for our 'Plus' policies.

If you are travelling in the EU, you can apply for either:

  • a UK Global Health Insurance Card (UK GHIC)
  • a UK European Health Insurance Card (UK EHIC), if you have rights under the Withdrawal Agreement

Find out more about the Withdrawal Agreement on GOV.UK

For most people, the UK Global Health Insurance Card (UK GHIC) replaces the existing European Health Insurance Card (EHIC) for new applications. You can apply for one at

Yes, golf cover can be included in this policy as an optional extension. This covers your golf equipment hire if your golf equipment is lost or delayed for at least 12 hours on your outward journey, as well as the value of the unused portion of your green fees if you have an accident, are ill, or your documents are lost or stolen which prevents you from playing golf.

No, this policy does not include car hire excess cover. However, our sister company Swinton can offer single trip and annual car hire excess cover.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

We work with Millstream Underwriting Ltd who are a specialist travel insurance provider. Millstream Underwriting Ltd is authorised and regulated by the Financial Conduct Authority, FRN: 308584. Registered in England and Wales. Registered no: 3896220, Registered office: 52-56 Leadenhall St, London EC3A 2EB. Further details are available from the FCA website

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