A growing interest in adventure will reshape the travel industry in the 21st century, says a Lloyd's broker.

Speaking to representatives of the Canadian travel insurance industry, David Stirling, director of Crispin Speers & Partners, said: “The 21st century will be characterised by independent travellers visiting remote destinations.

“Increasingly, they will be faced with poor access to medical care, basic facilities and greater exposure to disease. The need for specialist insurance cover will become paramount.”

Research by the Travel Insurance Association of America shows that, in the US, half of all adults have taken an adventure trip in the last five years. Nearly a third of these are involved in high-risk activity such as rafting, scuba diving and mountain biking.