Compare Our Adventure Travel Insurance Plans
Gear up for your next adventure with adventure travel insurance that covers medical needs, and more. Quick and easy.
Adventure Cover Made Easy
Choose from three levels of travel insurance (Essentials, Plus and Elite) then add optional cover to match your trip.
Our plans are designed to help with sudden and unforeseen bodily injuries or illnesses, cancellation costs, baggage issues and more, up to the limits shown in our summary of benefits, and are supported by helicopter evacuation and a 24/7 Emergency Assistance Centre.
NOTE: Our insurance is not a form of private medical insurance. It is designed to provide cover only in instances of sudden and unforeseen bodily injuries or illnesses, subject to all terms, conditions, limits and exclusions in the Policy Wording.
Rise & Shield is trusted by reputable tour operators and adventure companies
How Our Travel Insurance Cover Works
When you compare our adventure travel insurance plans, it helps to think in three simple steps.
Step 1: Choose your trip type
Select the trip type that matches your plans, such as a Single Trip or an Annual Multi Trip.
The period of insurance and maximum trip duration depend on the type of policy you buy. For example, Annual Multi Trip policies have a maximum trip length of 31 days with Essentials and 45 days with Plus and Elite.
Step 2: Pick a cover level
Next, choose one of our three cover levels: Essentials, Plus or Elite.
Each plan provides cover for benefits such as cancellation and curtailment, medical and related expenses incurred abroad, evacuation and repatriation, personal luggage, outward delay, personal accident, public liability, hijack and catastrophe cover, with different benefit limits and excesses.
Step 3: Add optional extras (if needed)
Finally, you can then add optional cover. These include:
- Optional Winter Sports Cover,
- the Activities Add-On (which includes the Optional Adventure Plus Pack and Optional Extreme Adventure Pack),
- an Optional High-Value Items Add-on for selected valuables.
Quickly Compare Our Travel Insurance Plans
Use the table below to compare our adventure travel insurance plans – Essentials, Plus and Elite.
All three cover the same core sections, such as Cancellation & Curtailment, Medical and related expenses incurred abroad, Evacuation and Repatriation, Personal Luggage, Outward Delay, Personal Accident, Public Liability, Hijack and Catastrophe Cover.
The difference is in the benefit limits.
| Benefit (GBP) | Essentials | Plus | Elite |
|---|---|---|---|
| Cancellation & Curtailment | £3,000 | £6,000 | £12,000 |
| Medical and related expenses incurred abroad | £3,000,000 | £6,000,000 | £7,500,000 |
| Evacuation and Repatriation (as part of Medical and related expenses) |
£3,000,000 | £6,000,000 | £6,000,000 |
| Additional Hospitalisation Benefit | £30 per 24 hours up to £300 | £30 per 24 hours up to £650 | £30 per 24 hours up to £650 |
| Baggage and Personal Effects | £1,000 | £2,500 | £2,500 |
| Single item limit | £150 | £350 | £350 |
| Loss of Passport | £150 | £350 | £350 |
| Baggage Delay | £100 per 12 hours up to £200 | £150 per 12 hours up to £300 | £150 per 12 hours up to £300 |
| Delayed Departure (Outward Delay) | Not available | £100 first 12 hours, then £75 each further 12 hours up to £250 | £100 first 12 hours, then £75 each further 12 hours up to £250 |
| Missed Departure or Connection (Outward Delay) | £3,000 | £6,000 | £6,000 |
| Abandonment | £650 | £1,300 | £1,300 |
| Personal Accident – Death | £15,000 | £25,000 | £25,000 |
| Personal Accident – Permanent Total Disablement | £15,000 | £25,000 | £25,000 |
| Public Liability | £1,500,000 | £2,500,000 | £2,500,000 |
| Hijack | £65 per 24 hours up to £325 | £65 per 24 hours up to £650 | £65 per 24 hours up to £650 |
| Catastrophe Cover | £650 | £1,300 | £1,300 |
| Benefit (USD) | Essentials | Plus | Elite |
|---|---|---|---|
| Cancellation & Curtailment | $3,600 | $7,200 | $14,400 |
| Medical and related expenses incurred abroad | $3,600,000 | $7,200,000 | $9,000,000 |
| Evacuation and Repatriation (as part of Medical and related expenses) |
$3,600,000 | $7,200,000 | $7,200,000 |
| Additional Hospitalisation Benefit | $36 per 24 hours up to $360 | $30 per 24 hours up to $780 | $30 per 24 hours up to $780 |
| Baggage and Personal Effects | $1,200 | $3,000 | $3,000 |
| Single item limit | $180 | $420 | $420 |
| Loss of Passport | $180 | $420 | $420 |
| Baggage Delay | $120 per 12 hours up to $300 | $180 per 12 hours up to $360 | $180 per 12 hours up to $360 |
| Delayed Departure (Outward Delay) | Not available | $120 first 12 hours, then $90 each further 12 hours up to $300 | $120 first 12 hours, then $90 each further 12 hours up to $300 |
| Missed Departure or Connection (Outward Delay) | $3,600 | $7,200 | $7,200 |
| Abandonment | $780 | $1,560 | $1,560 |
| Personal Accident – Death | $18,000 | $30,000 | $30,000 |
| Personal Accident – Permanent Total Disablement | $18,000 | $30,000 | $30,000 |
| Public Liability | $1,800,000 | $3,000,000 | $3,000,000 |
| Hijack | $78 per 24 hours up to $390 | $78 per 24 hours up to $780 | $78 per 24 hours up to $780 |
| Catastrophe Cover | $780 | $1,560 | $1,560 |
| Benefit (EUR) | Essentials | Plus | Elite |
|---|---|---|---|
| Cancellation & Curtailment | €3,750 | €7,500 | €15,000 |
| Medical and related expenses incurred abroad | €3,750,000 | €7,500,000 | €9,375,000 |
| Evacuation and Repatriation (as part of Medical and related expenses) |
€3,750,000 | €7,500,000 | €7,500,000 |
| Additional Hospitalisation Benefit | €37.50 per 24 hours up to €375 | €30 per 24 hours up to €812.50 | €30 per 24 hours up to €812.50 |
| Baggage and Personal Effects | €1,250 | €3,125 | €3,125 |
| Single item limit | €188 | €438 | €438 |
| Loss of Passport | €188 | €438 | €438 |
| Baggage Delay | €125 per 12 hours up to €250 | €187.50 per 12 hours up to €375 | €187.50 per 12 hours up to €375 |
| Delayed Departure (Outward Delay) | Not available | €125 first 12 hours, then €93.75 each further 12 hours up to €312.50 | €125 first 12 hours, then €93.75 each further 12 hours up to €312.50 |
| Missed Departure or Connection (Outward Delay) | €3,750 | €7,500 | €7,500 |
| Abandonment | €813 | €1,625 | €1,625 |
| Personal Accident – Death | €18,750 | €31,250 | €31,250 |
| Personal Accident – Permanent Total Disablement | €18,750 | €31,250 | €31,250 |
| Public Liability | €1,875,000 | €3,125,000 | €3,125,000 |
| Hijack | €81.25 per 24 hours up to €406.25 | €81.25 per 24 hours up to €812.50 | €81.25 per 24 hours up to €812.50 |
| Catastrophe Cover | €813 | €1,625 | €1,625 |
Which Plan is Right For My Trip?
When you compare our adventure travel insurance plans, it can help to think about three things: the total value of your prepaid trip costs, the type of trip you are taking, and how much protection you want for medical expenses, delays and baggage.
Each of our Essentials, Plus and Elite plans includes the same core sections of cover, but with different benefit limits.
Essentials: our core level of cover
Essentials provides our core level of cover, with lower benefit limits than Plus and Elite for sections such as Cancellation & Curtailment, Medical and related expenses incurred abroad, Baggage and Personal Effects, Outward Delay, Personal Accident, Public Liability, Hijack and Catastrophe Cover.
Essentials may be a good match if, for example:
- The total amount you have prepaid for travel and accommodation is within the £3,000 Cancellation & Curtailment limit.
- You are comfortable with a £3,000,000 limit for Medical and related expenses incurred abroad and Evacuation and Repatriation as part of that section.
- You want baggage cover but are content with lower limits for Baggage and Personal Effects and the £150 single item limit.
Please note that Delayed Departure benefits are not available under Essentials; only Missed Departure or Connection and Abandonment are covered under Outward Delay.
Plus: higher limits for many trips
Plus increases the limits available under Essentials for key sections.
Travellers often choose Plus when, for example:
- Their prepaid trip costs are closer to or above the Essentials limit, and they prefer the higher £6,000 Cancellation & Curtailment cover.
- They would like £6,000,000 Medical and related expenses and Evacuation and Repatriation cover, as shown in the Summary of Benefits.
- They want higher baggage and single-item limits than Essentials provides, as well as enhanced limits for Money and Baggage Delay.
- They want Delayed Departure cover under Outward Delay in addition to Missed Departure or Connection and Abandonment.
Elite: our highest cover limits
Elite offers our highest Cancellation & Curtailment limit and the highest Medical and related expenses limit.
Elite may be considered by travellers who:
- Have significant prepaid travel and accommodation costs that would not be fully covered under the Essentials or Plus Cancellation & Curtailment limits.
- Prefer the highest available Medical and related expenses limit, for example on trips where medical treatment or evacuation could be particularly expensive.
- Are travelling with higher-value baggage and personal effects and want the higher limits shown in the Summary of Benefits.
How do I get an online travel insurance quote?
Getting a free quote with Rise & Shield is easy. Follow these simple steps to secure your trip:
Get a Quote: Start by entering your trip details to receive a personalised quote.
Customise Your Plan: Tailor the coverage options to meet your specific needs.
Receive Instant Confirmation: Purchase and instantly receive your policy details via email.
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Rise and Shield is a trading style of Optimum Global Limited, which is authorised and regulated by the Financial Conduct Authority. Optimum Global Limited’s Firm Reference Number is 453654, you can check these details at https://register.fca.org.uk or by calling the Financial Conduct Authority on 0800 111 6768. . Registered address: Optimum Global Limited, 4th Floor, 21 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP, UK. Optimum Global Limited is registered in England and Wales. Company Registration number 05347793.