While all travellers have different tastes and inclinations, it’s safe to say that relaxing on the beach and sipping cocktails is not everyone’s idea of a fun time. Others simply travel in order to experience the adventurous activities offered by a destination, with no inclination whatsoever towards the historic or cultural monuments offered by the place.
If you’re an adventurous traveller that’s looking for the ideal travel insurance cover, then you’ve come to the right place. We’ve got just the right advice you need to understand which activities are covered and which aren’t. More than the potential injuries involved with extreme sports, it’s usually the exorbitant costs of overseas medical care that can put a real damper on things.
What Adventure Activities Are Covered
- Water Activities – Most insurers will easily cover you for popular water activities such as kayaking, surfing, jet skiing, paragliding, windsurfing or white water rafting, but some extreme water activities will come with limitations, and require a bit of an explanation on your part to put your insurer’s mind at ease.
- Recreational Sports – Most standard policies will automatically cover recreational sports like golf, swimming, yachting, dancing, camping, horse riding, fishing, kayaking, ice skating and trekking. They’ll even go as far as to cover recreational sports like hockey, netball and football.
- Bungee Jumping – Whether you’re doing it on a dare, or just want to tick it off your bucket list, bungee jumping is a favorite amongst exploratory travellers, and the best part is that it’s automatically covered by most standard travel insurance policies.
Activities That May or May Not Be Covered
- Cycling – Most insurers will not cover the theft or loss of your bicycle, but some do offer bike protection at an additional cover, or specialized cycling cover for cycling trips. So, it’s recommended to shop around if you want to find the best cover for this one.
- Abseiling and Rock Climbing – While Tom Cruise might make it look easy and even appealing on his Mission Impossible movies; rock climbing is quite a risky activity to engage in, which is why most insurers do not provide cover for it. Some do provide cover for these activities, but with certain limitations like restricting the cover to altitudes that are below 6,000 meters, or omitting cover for climbing that involves mountaineering equipment or ropes. That said, there are some insurers that offer specialized packages or level cover for rock climbing and abseiling, but you’ll have to pay extra.
- Heli-Skiing – While it may not be included in the standard policy of most travel insurers, heli-skiing does come as an option on most winter sports packages.
- Archery – Fancy yourself a budding archer? Well, you can now take aim knowing that most insurers include archery as part of their insurance cover. Just be sure to avoid any reckless aiming, as that may cause you to forfeit your cover altogether.
- Skydiving – Want to be at the top of the world? Well, you’ll have to bring a buddy, as most insurers won’t cover a lone jump. However, some policies will protect you for a tandem jump on condition that you do it with a licensed commercial provider. For this category, look out for insurers that are underwritten either by Allianz Australian Insurance Limited, Great Lakes or Lloyds of London.
- Snowboarding and Skiing – While most policies don’t mind making provision for winter sports such as skiing and snowboarding, they often place limits on the experience. So make sure that the winter sports package you choose includes off-piste cover, as well as protection for your equipment and gear.
- Sailing – Now, this one’s a bit complex because it differs greatly from one provider to the other. For example, most insurers are willing to cover sailing only if it’s within a certain distance from the coast or sailing to areas with limited network range. That said, most insurers will cover things like dragon boating or dinghy sailing, as well as amateur competitive sailing or sailing on international water. Other insurers will even give you the option to include extras like equipment cover, boat charter excess, recreational sailing and offshore boating to name but a few.
- Ziplining – While some insurers cover ziplining, it’s always a good idea to ask before you assume on this one.
- Motorbike Riding – Motorbike riding is usually covered automatically, on condition that the bike you ride has an engine capacity of 125cc and below. Also, make sure you ride with a valid license and helmet so that you’ll be eligible for cover if an accident does occur.
- Scuba Diving – Being a popular activity amongst travellers, scuba diving is covered by most insurers, but they impose depth restrictions, and some even require a certificate or some sort of qualification for diving.
Risky Activities That No One Will Cover
Insurers consider the following activities to be so extreme that they won’t even consider covering them:
- Motorsport racing
- Jumping off a cliff
- Shooting (i.e. gun use)
- Professional sports
- Running with bulls
- Expeditions to inaccessible locations and placed that are so remote that they’ve never been explored before.