Participating in any high-risk activity during your trip: scuba diving, surfing, skiing, mountain climbing, bike riding, hiking, water skiing, para-sailing, horseback riding, off road exploring or any other risky activity, it would be safer to purchase travel insurance just in case something happens during the activity.

Several insurance companies specialize in travel insurance and are able to spread the risk over a much broader base. It is better to opt for an insurance provider other than that offered by the tour company or the cruise line because their primary business is providing vacations, not insurance. Third party insurance is without a question the best option.