Are you a thrill-seeker planning your next water adventure? You should definitely sit down for a minute and consider the risks associated.

Whether you’re an amateur or an expert, there's no telling if you might accidentally hit a rock or if your equipment might betray you. Buy water sports travel insurance, and do away with any anxiety.

Water sports travel insurance comes with different levels of coverage. Some cover activities in shallow water, or those that seem relatively low-risk. Snorkeling, yachting, and kayaking are some examples. Some policies also include scuba diving to a depth of 30 meters (about 100 feet).

The riskier sports—say, swimming with sharks, river rafting, jet skiing, or deep scuba diving—require a higher level of coverage. Some insurance policies also extend their coverage to winter sports. These can be added under extra activities after purchasing the hazardous water sports travel insurance plan.

The differences between the normal and extreme categories are prices and coverage offered for each sport. Hazardous sports travel insurance helps you also save money and is a good financial decision for your trip. Different insurance policies vary in their categorization of “normal” and “extreme” water activities, so be sure to read the fine print of your plan before you purchase.

Compare a few water hazardous sports travel insurance plans, examine what it does and doesn’t provide coverage for, and make sure it includes emergency medical evacuation. Depending on your planned itinerary, choose the most suitable one.