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Planning an Active Vacation? Your Travel Coverage Might Not Be Enough

June 25, 2025

At HUB Customer Central, we understand that Canadians love to combine their vacations with unforgettable adventures, whether that means hiking remote trails, diving deep beneath the ocean’s surface, or skiing down a black diamond run. But one thing that often goes overlooked? Whether your travel insurance covers these activities.

Many Canadians mistakenly rely on workplace benefits or credit card travel coverage, assuming it offers complete protection. However, when it comes to extreme or high-risk activities, most standard policies include strict exclusions, and learning this after an accident can lead to massive medical bills.

What Activities Are Often Excluded?

Insurance providers define high-risk activities differently, but standard exclusions may include:

  • Skydiving
  • Scuba diving (especially beyond specific depths or without certification)
  • Rock or ice climbing
  • Hang gliding
  • White-water rafting
  • Skiing, heli-skiing, or ski jumping
  • Motor vehicle racing or stunt driving
  • Competitive or endurance sports
  • Even popular tourist activities—like jet skiing or zip-lining—could fall into a grey area.

Don’t Risk Financial Fallout

Our sister company HUB SmartCoverage, can help ensure your adventures are backed by the right protection. Get started on your online quote today!