Riskier adventures can include activities like trekking, skiing and boarding, surfing, scuba diving, mountain biking, rock climbing and other activities that are more prone to medical injury. While these “risky” activities can offer an incredible experience during your time abroad, unfortunately, they are not usually covered by general insurance plans. Don't despair, though! They can be purchased as part of your policy or as a policy upgrade. When looking for coverage for riskier activities, look for "adventure travel coverage" or "adventure plus packs" on insurance websites.