Travel insurance activities that may be covered
Travel Insurance for Adventure and Leisure Activities: Comprehensive Coverage Overview
Key Coverage Options for Activities Insurance
- Multi-Trip Insurance: For frequent adventurers, the multi-trip option covers multiple trips within a year. Each journey is protected, ensuring consistent coverage for emergency medical treatment, evacuation, and specific activity-based coverage, such as snow sports.
- Single-Trip Insurance: Ideal for one-time vacations or adventures, single-trip insurance may provide comprehensive coverage for the entirety of a single journey. This may include medical expenses, emergency evacuation, personal liability, and additional coverage for selected activities.
- Unlimited Emergency Medical and Dental Coverage: For injuries sustained during covered activities.
- Medical Evacuation and Repatriation: Transportation to your home country if medical assistance is needed.
- Personal Liability: Protection in case of accidental injury to others or damage to property during your activities.
- Emergency Medical Assistance: Unlimited coverage for emergency treatment or hospitalisation due to injuries from covered activities.
- Evacuation and Repatriation: Medical evacuation coverage if required due to adventure-related injuries.
- 24/7 Emergency Assistance: Global support for medical needs and travel logistics.
Adventure and Sports Activities Covered
- Snow Sports (On-Piste): Skiing and snowboarding on groomed slopes.
- Water-Based Activities: Snorkelling, surface water sports within 2 nautical miles of a landmass, and recreational fishing close to shore.
- Extreme Sports: Bungee jumping, shark cage diving, and hot-air ballooning.
- Leisure Activities: Golf, hiking up to 4,000 metres, and gym activities (excluding powerlifting).
- Medical Assistance: Coverage for injuries related to snow sports on groomed slopes.
- Equipment Protection: Reimbursement for snow sports equipment if damaged or lost.
- Trip Cancellations: Coverage for weather-related cancellations affecting snow sports activities.
- Onboard Medical Assistance: Coverage for onboard medical emergencies.
- Cabin Confinement: Reimbursement for missed excursions due to confinement.
- Missed Ports: Compensation if your cruise ship misses a scheduled port stop.
- COVID-19 Medical Treatment: Coverage for medical expenses if diagnosed with COVID-19 while abroad.
What’s Covered and What’s Not for Adventure Activities
- Covered: Emergency medical expenses, evacuation, personal liability, baggage coverage.
- Not Covered: Activities not specified within the policy, losses due to reckless behaviour, and intoxication-related incidents. Additionally, certain pre-existing conditions must be declared and approved for coverage.
24/7 Emergency Assistanc
Frequently Asked Questions (FAQ) on Travel Insurance for Activities
The following activities are covered, please check product restrictions & PDS before considering.
Archery
Athletics
Aussie Rules
Badminton
Bamboo Rafting
Banana Boating
Basketball (not collegiate)
Beach Volleyball
Biathlon (non-snow)
BMX riding (not stunts/obstacles)
Boardsailing/Windsurfing
Bowling, Bowls
Bridge Swinging
Bungee jumping (to a maximum of two per person per Trip)
Bushwalking
Canoeing
Conservation work - Refer to General Exclusions 14.30.
Catamaran Sailing (within territorial waters)
Clay Pigeon Shooting
Climbing (indoor)
Cross Country Running
Curling
Dancing - Please refer to General Exclusions 14.12.
Deep Sea Fishing
Dinghy Sailing
Dog Sledding
Dragon Boat Racing (including international competition)
Dry Slope Skiing/Boarding
Elephant Trekking/Riding
Fell Running
Fell Walking
Fencing
Fishing
Fives Floorball
Gaelic Football
Go-Karting
Handball
Hiking and Trekking - There is no cover whatsoever for any trekking where the summit is higher than 4,000m, unless specifically agreed by Us. There is no cover for any climbing / trekking activity in Nepal.
Hockey
Horse Riding (excluding racing, jumping or competing)
Hurling
Ice Skating excluding Speed Skating
Inline Skating
Jogging
Kayaking (up to grade 3 rivers)
Kendo
Kite Surfing
Lacrosse
Marathon Running
Martial Arts not involving intentional bodily contact
Modern Pentathlon
Motor Cycling (refer to general exclusions 25 and 26 in the PDS)
Mountain Bike (recreational only, no cover for competitive or noncompetitive downhill mountain biking)
Netball
Orienteering
Outrigging
Overland Trips
Pistol Shooting
Pony Trekking
Find out more about the following activities.
The following activities are not available in USA or Canada.
Abseiling
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