Sports Activity Finder™ | Search 100+ Activities & Get Covered

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Are you a thrill-seeker? Find out what sports and adventure activities are covered by each travel insurance brand. Get covered for things like sky-diving (and avoid sky-diving into a pile of medical bills).

This is your searchable database for sporting activities covered by travel insurance brands in Australia.

Different policies will have different conditions around cover, but here are some general conditions to follow:

  • Commercial licensed provider. You'll usually need to book the activity with a renown provider. If a dodgy street vendor is trying to sell you a bungee jumping tour, it's probably worth a skip.
  • Special conditions around the activity. You'll generally have to paraglide in tandem, and you won't be covered for treks using mountaineering equipment.
  • Additional premium. For certain activities you'll have to fork out some extra cash to get cover.
  • Higher excess on claims. Medical claims that result from activities will sometimes incur a higher excess.
  • No professional sports. Most policies won't let you compete professionally.
  • No cover for personal liability. This means you won't be covered if you cause damage to someones property or cause an injury.
  • No cover for personal accident. Don't worry, you're still covered for medical expenses if you get injured. This just means no lump sum payout if you become disabled.
*Information is correct as of 20 July 2017 and is subject to change at any time.
BrandActivityIs it included as standard?
1coverAbseilingYes
1coverAmateur AthleticsYes
1coverAnglingYes
1coverArchaeological diggingYes
1coverArcheryYes
1coverBadmintonYes
1coverBaseballYes
1coverBasketballYes
1coverBattle re-enactment (no live firearm)Yes
1coverBicycle touringYes
1coverBig foot skiingYes
1coverBiking/cycling -incidental to the trip (excluding racing - no cover for bicycle)Yes
1coverBowlingYes
1coverBoxing Training only (no contact)Yes
1coverBreathing observation bubble diving (max 30 meters)Yes
1coverBridge walking - supervised by fully trained guideYes
1coverBungee jumpingYes
1coverBushwalkingYes
1coverCamel ridingYes
1coverCamel trekkingYes
1coverCanoeingYes
1coverCanopy walking / tree top walkingYes
1coverCanyon swing / gorge swingingYes
1coverCat SkiingYes
1coverClay-pidgeon shootingYes
1coverConservation or charity work (hand tools only)Yes
1coverCricketYes
1coverCross country skiing (only as provided under the Winter Sports Professional Ski PDS)No, you must purchase winter sports pack
1coverCycle touring (excluding racing)Yes
1coverDancingYes
1coverDinghy Sailing (restrictions apply as outlined in the definition of "Open Water Sailing" in PDS)Yes
1coverDog sledding (excluding racingYes
1coverElephant ridingYes
1coverElephant trekkingYes
1coverFalconryYes
1coverFencing (non-competitive only)Yes
1coverFishing (excluding spear fishing)Yes
1coverFlying foxYes
1coverFootballYes
1coverGo kartingYes
1coverGolfYes
1coverGorge walkingYes
1coverGymnastics (excluding competition)Yes
1coverHeli-skiing (only as provided under the Winter Sports PDS)No, you must purchase winter sports pack
1coverHiking or trampingYes
1coverHockeyYes
1coverHorse riding (excluding eventing, polo or racing)Yes
1coverHot air ballooningYes
1coverHusky sledge drivingYes
1coverIce skatingYes
1coverJet boatingYes
1coverJet skiingYes
1coverJoggingYes
1coverKayakingYes
1coverKite boardingYes
1coverKite buggyYes
1coverKite-surfingYes
1coverMarathonYes
1coverMartial arts (non-contact only)Yes
1coverMono skiingYes
1coverMoped bikingYes
1coverMotorbikesYes
1coverMountain biking - incidental to the tripYes
1coverMountain boardingYes
1coverNetballYes
1coverOff-piste skiing (only as provided under the Winter Sports and Winter Sports Professional Ski PDSs)No, you must purchase winter sports pack
1coverOrienteeringYes
1coverOstrich ridingYes
1coverPaint ballingYes
1coverPassenger - licenced light aircraft/ licenced helicopterYes
1coverRamblingYes
1coverRefereeingYes
1coverRiver boarding / River sledging (in white water rapids Graded 1, 2 & 3 only)Yes
1coverRock climbing - indoorYes
1coverRoller bladingYes
1coverRoller skatingYes
1coverRowingYes
1coverRugbyYes
1coverRunning - sprint / long distanceYes
1coverSafari tours (but not hunting)Yes
1coverSailing - coastal watersYes
1coverSand boardingYes
1coverSand yachtingYes
1coverScuba diving (must hold an open water diving licence recognised in Australia or you were diving under licensed instruction)Yes
1coverScullingYes
1coverSea canoeingYes
1coverSea kayakingYes
1coverSkateboarding - ramp/ half pipe (but not competitively)Yes
1coverSkateboarding - skate parkYes
1coverSkateboarding - streetYes
1coverSkiingYes
1coverSleigh ridesYes
1coverSnorkellingYes
1coverSnowboardingYes
1coverSquashYes
1coverStand up paddle surfingYes
1coverStilt walkingYes
1coverSurfingYes
1coverSwimmingYes
1coverTable tennisYes
1coverTen pin bowlingYes
1coverTennisYes
1coverTobogganingYes
1coverTrekking (excluding trekking in Antarctica, Greenland or North Pole)Yes
1coverTubing (water only)Yes
1coverUltimate frisbeeYes
1coverVolleyballYes
1coverWakeboardingYes
1coverWakeskatingYes
1coverWalkingYes
1coverWater poloYes
1coverWater skiingYes
1coverWhite water kayaking (in rapids Graded 1, 2 & 3 only)Yes
1coverWhite water rafting (in rapids Graded 1, 2 & 3 only)Yes
1coverWindsurfingYes
1coverYachting - coastal watersYes
1coverZip lineYes
1coverZorbingYes
AIGBungee JumpingYes
AIGCyclingYes
AIGHot air ballooningYes
AIGPara sailingYes
AIGSkiingYes
AIGSnowboardingYes
AIGTrekkingYes
AIGWater SkiingYes
AIGWhite water raftingYes
Budget DirectAbseiling (fully harnessed)Yes
Budget DirectAmateur athleticsYes
Budget DirectArchaeological diggingYes
Budget DirectArchery - amateur and occasional onlyYes
Budget DirectAssault course (no weapons)Yes
Budget DirectBadminton - amateur and occasional onlyYes
Budget DirectBaseball - amateur and occasional onlyYes
Budget DirectBasketball - amateur and occasional onlyYes
Budget DirectBattle re-enactment (no live firearms)Yes
Budget DirectBig Foot SkiingNo, you must purchase winter sports pack
Budget DirectBreathing observation bubble diving (maximum depth 30 metres)Yes
Budget DirectBridge walking - supervised by a fullytrained guide onlyYes
Budget DirectBungee jumps (three jumps maximum)Yes
Budget DirectCamel or elephant riding or trekkingYes
Budget DirectCanoeing (grade 1 and 2 rapids or lower)Yes
Budget DirectCanoeing (grade 3 and 4 rapids)Yes
Budget DirectCanopy walking or tree-top walkingYes
Budget DirectCat SkiingNo, you must purchase winter sports pack
Budget DirectCave tubing or river tubingYes
Budget DirectClay-pigeon shootingYes
Budget DirectCoasteering - amateur and occasional onlyYes
Budget DirectConservation or charity work (educational and environmental - working with hand tools onlyYes
Budget DirectCricket - amateur and occasional onlyYes
Budget DirectCross- country SkiingNo, you must purchase winter sports pack
Budget DirectCycle touringYes
Budget DirectCyclingYes
Budget DirectDragon boatingYes
Budget DirectDune or wadi bashingYes
Budget DirectFalconryYes
Budget DirectFootball - amateur and occasional onlyYes
Budget DirectGlacier SkiingNo, you must purchase winter sports pack
Budget DirectGo-kartingYes
Budget DirectGolf - amateur and occasional onlyYes
Budget DirectGorge swinging or canyon swingingYes
Budget DirectGorge walkingYes
Budget DirectHeli-SkiingNo, you must purchase winter sports pack
Budget DirectHockeyYes
Budget DirectHorse riding (not polo, hunting or jumping)Yes
Budget DirectHot-air ballooningYes
Budget DirectHusky sledge drivingYes
Budget DirectIce HockeyNo, you must purchase winter sports pack
Budget DirectIce SkatingNo, you must purchase winter sports pack
Budget DirectJet boatingYes
Budget DirectJet skiingYes
Budget DirectJoggingYes
Budget DirectKayaking (grade 1 and 2 rapids or lower)Yes
Budget DirectKayaking (grade 3 and 4 rapids)Yes
Budget DirectLugeing - not iceYes
Budget DirectLuggingNo, you must purchase winter sports pack
Budget DirectMarathons - amateur and occasional onlyYes
Budget DirectMartial arts - training onlyYes
Budget DirectMono SkiingNo, you must purchase winter sports pack
Budget DirectMotorcycling - 125cc and over (please note General Exclusion 11.)Yes
Budget DirectMotorcycling - under 125cc (please note General Exclusion 11.)Yes
Budget DirectMountain biking - not racing or extreme ground conditions or stuntsYes
Budget DirectMud buggyingYes
Budget DirectNetball - amateur and occasional onlyYes
Budget DirectOff- piste skiingNo, you must purchase winter sports pack
Budget DirectOff-piste snowboardingNo, you must purchase winter sports pack
Budget DirectOrienteering - amateur and occasional onlyYes
Budget DirectOstrich riding (not racing)Yes
Budget DirectPaintballing - wearing eye protectionYes
Budget DirectParasailingYes
Budget DirectParascending - over waterYes
Budget DirectPassenger in private or small aircraft or helicopterYes
Budget DirectQuad bikingYes
Budget DirectRafting - white or black water (grade 1 and 2 rapids)Yes
Budget DirectRafting - white or black water (grade 3 and 4 rapids)Yes
Budget DirectRamblingYes
Budget DirectRecreational ski or snowboard racingNo, you must purchase winter sports pack
Budget DirectRefereeing - on an amateur basisYes
Budget DirectRock Climbing - Indoor and harnessedYes
Budget DirectRoller blading (no racing, half-pipe, stunts or extreme skating)Yes
Budget DirectRowing - amateur and occasional onlyYes
Budget DirectRugby codes - amateur and occasional onlyYes
Budget DirectRunning - sprint and long distanceYes
Budget DirectSafariYes
Budget DirectSand boardingYes
Budget DirectSand yachtingYes
Budget DirectScuba diving (qualified, maximum depth 30 metres, not diving alone)Yes
Budget DirectScuba diving (unqualified but with instructor, maximum depth 30 metres)Yes
Budget DirectSea canoeing or kayaking - day trips and coastal onlyYes
Budget DirectSea canoeing or kayaking - short or day trips only, with overnight Stays (not on water)Yes
Budget DirectSkateboarding (no racing, half-pipe, stunts or extreme skating)Yes
Budget DirectSkiing (recreational only)No, you must purchase winter sports pack
Budget DirectSnorkellingYes
Budget DirectSnowboardingNo, you must purchase winter sports pack
Budget DirectSnowmobilingNo, you must purchase winter sports pack
Budget DirectSquashYes
Budget DirectSurfing (not big wave or extreme surfing)Yes
Budget DirectSwimmingYes
Budget DirectTarget rifle shootingYes
Budget DirectTennis - amateur and occasional onlyYes
Budget DirectTobogganingNo, you must purchase winter sports pack
Budget DirectTrekking or hiking (over 3,000 metresbut under 5,000 metres altitude)Yes
Budget DirectTrekking or hiking (under 3,000 metres altitude)Yes
Budget DirectTubingYes
Budget DirectVolleyball - amateur and occasional onlyYes
Budget DirectWake boarding (no stunts)Yes
Budget DirectWater polo - amateur and occasional onlyYes
Budget DirectWaterskiing (no stunts)Yes
Budget DirectWindsurfingYes
Budget DirectYachting - not racing and sailing inside territorial watersYes
Budget DirectZip liningYes
Budget DirectZorbingYes
Columbus DirectAerobicsYes
Columbus DirectArcheryYes
Columbus DirectAthleticsYes
Columbus DirectBadmintonYes
Columbus DirectBallooning (as a passenger)*Yes
Columbus DirectBaseballYes
Columbus DirectBasketballYes
Columbus DirectBMX (on‐road, no tricks or jumps)Yes
Columbus DirectBungee jumping (up to 2 jumps)*Yes
Columbus DirectCycling (not touring)Yes
Columbus DirectDanceYes
Columbus DirectElephant or Camel rides/trekking (1 day)Yes
Columbus DirectCanoeing/kayaking/white water rafting (inland, grades 1‐5)Yes
Columbus DirectFishing/Angling (inland or coastal waters within 10km)Yes
Columbus DirectGo karting*Yes
Columbus DirectGolfYes
Columbus DirectGym trainingYes
Columbus DirectGymnasticsYes
Columbus DirectHiking/trekking/camping (up to 2000m)Yes
Columbus DirectHorse riding using protective head gear (excluding eventing, jumping or equestrian competitions)Yes
Columbus DirectJet boating*Yes
Columbus DirectLight aircraft/helicopter/gliding (passenger only)*Yes
Columbus DirectMoped / Scooter biking**Yes
Columbus DirectMotorbiking (on road, to 125cc)**Yes
Columbus DirectNetballYes
Columbus DirectPaddle boarding/Stand‐up Paddle boardingYes
Columbus DirectParasailing/parascending*Yes
Columbus DirectRollerblading/In‐line skatingYes
Columbus DirectRunning (half marathon distance or less)Yes
Columbus DirectPilatesYes
Columbus DirectScuba diving (to 30 metres, qualified**; or unqualified with qualified instructor*)Yes
Columbus DirectSafari tours*Yes
Columbus DirectSailing/boating/yachting (inland or coastal waters within 10km)Yes
Columbus DirectSea Canoeing/kayaking (inYes
Columbus DirectSnorkellingYes
Columbus DirectSquashYes
Columbus DirectSurfingYes
Columbus DirectTennisYes
Columbus DirectWater poloYes
Columbus DirectWater skiing (excluding jumps)Yes
Columbus DirectWindsurfingYes
Columbus DirectYogaYes
Columbus DirectZorbingYes
Columbus DirectAbseilingNo, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectBlack Water Rafting/Cave Tubing (grades 1‐5)*No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectBoxing training (no contact)No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectBungee jumping (more than 2 jumps)*No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectCanyon Swing*No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectCricketNo, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectCycling touring (up to 2000m in elevation)No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectElephant or Camel trekking (more than 1 day)No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectFishing/Deep sea fishing (in coastal waters within 20km)No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectGlacier walking*No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectGliding*No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectHang gliding*No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectHockeyNo, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectIce Skating (indoor rink only)No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectJet skiing (adults only)*No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectKite surfingNo, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectLacrosseNo, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectMartial Arts (non‐contact)No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectMotorbiking (on road)**No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectPoloNo, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectSailing/boating/yachting (in coastal waters within 20km)No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectSea Canoeing/kayaking (in coastal waters within 20km)No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectMountain biking (off road/cross country to 2000m)No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectRock climbing (indoor)*No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectRugby (Union or League)No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectRunning (marathon distance)No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectSoccer/FootballNo, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectWakeboarding (excluding jumps)No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectWeightliftingNo, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectAmerican Football/GridironNo, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectAustralia Rules FootballNo, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectMountain biking (off road/cross country to 6000m)No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectCycling/cycle touring (up to 6000m)No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectHiking/trekking/camping (up to 6000m)No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectQuad biking (adults only)*No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectRock climbing (outdoor)*No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectSkydiving (1 jump)*No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectTriathlon (not ultra‐distance)No, you must have paid the additional premium for Sports/Adventure and Work Activities Pack A
Columbus DirectAlpine skiing and snowboarding (including off piste)No, you must purchase Winter Sports Cover
Columbus DirectCurlingNo, you must purchase Winter Sports Cover
Columbus DirectGlacier skiingNo, you must purchase Winter Sports Cover
Columbus DirectIce skatingNo, you must purchase Winter Sports Cover
Columbus DirectMono skiingNo, you must purchase Winter Sports Cover
Columbus DirectNordic skiing (cross country)No, you must purchase Winter Sports Cover
Columbus DirectSki bobbingNo, you must purchase Winter Sports Cover
Columbus DirectSkidooingNo, you must purchase Winter Sports Cover
Columbus DirectSnow mobilingNo, you must purchase Winter Sports Cover
Columbus DirectNo, you must purchase Winter Sports Cover
Cover-MoreAbseilingYes
Cover-MoreArcheryYes
Cover-MoreBallooningYes
Cover-MoreBungy jumpingYes
Cover-MoreFlying foxYes
Cover-MoreHorse ridingYes
Cover-MoreJet boatingYes
Cover-MoreJet skiingYes
Cover-MoreKayakingYes
Cover-MoreParaglidingYes
Cover-MoreParasailingYes
Cover-MoreSkydivingYes
Cover-MoreSnorkellingYes
Cover-MoreWhite water raftingYes
Cover-MoreWorking holidaysYes
Easy Travel InsuranceSnorkellingYes
Easy Travel InsuranceScuba diving under licensed instructionYes
Easy Travel InsuranceWave surfingYes
Easy Travel InsuranceWhite water raftingYes
Easy Travel InsuranceSailboardingYes
Easy Travel InsuranceWater skiingYes
Easy Travel InsuranceWake boardingYes
Easy Travel InsurancePaddle boardingYes
Easy Travel InsuranceCanoeing/kayaking/white water rafting (inland, grades 1‐5)Yes
Easy Travel InsuranceFishing (not in international waters)Yes
Easy Travel InsuranceSkydiving (with a parachute)Yes
Easy Travel InsuranceHot-air ballooningYes
Easy Travel InsuranceBungee jumpingYes
Easy Travel InsuranceMountaineeringYes
Easy Travel InsuranceHorse ridingYes
Easy Travel InsuranceBicyclingYes
Easy Travel InsuranceMountain bikingYes
Easy Travel InsuranceDown hill skiing and snowboardingYes
Easy Travel InsuranceCross-country skiing and snowboardingYes
Easy Travel InsuranceSki bikingYes
Fast CoverAqua zorbingYes
Fast CoverArcheryYes
Fast CoverBicycling (but not racing, motor cross, BMX, or downhill mountain biking)Yes
Fast CoverBungee jumping or canyon swingingYes
Fast CoverCamel, donkey or elephant riding (under appropriate supervision)Yes
Fast CoverDancingYes
Fast CoverDog SleddingYes
Fast CoverDiving underwater using an artificial breathing apparatus at a depth no greater than 10 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities)Yes
Fast CoverFishing (on land or within 2 nautical miles of a land mass)Yes
Fast CoverGo-kartingYes
Fast CoverGolfYes
Fast CoverGym activites (but not powerlifting)Yes
Fast CoverGymnastics (but not competitions)Yes
Fast CoverHiking, trekking or tramping, peaking (only at altitudes below 3000 metres and where specialist climbing equipment is not required)Yes
Fast CoverHorse riding (but not competitions, equestrian events, steeple chasing, jumping or polo)Yes
Fast CoverIce skating on a rink (but not including competitive skating, racing, speed skating, and tour skating)Yes
Fast CoverIndoor rock climbing (under appropriate supervision)Yes
Fast CoverLeisure activitiesYes
Fast CoverMotorcycle, scooter, or moped ridingYes
Fast CoverOrienteeringYes
Fast CoverPaintball (with eye protection)Yes
Fast CoverRacing on foot for distances up to and included full marathon (42.2 kms)Yes
Fast CoverRacquet and ball sports not involving physical contactYes
Fast CoverRegulated or licensed ballooningYes
Fast CoverSafari (under appropriate supervision) but not huntingYes
Fast CoverSailing up to 10 nautical miles off any land massYes
Fast CoverShark cage diving (subject to diving restrictions)Yes
Fast CoverShooting (fixed target only)Yes
Fast CoverSkateboardingYes
Fast CoverRoller skatingYes
Fast CoverInline skatingYes
Fast CoverSnorkellingYes
Fast CoverSoccer/FootballYes
Fast CoverSurface water activities in rivers or rapids (only graded I, II, or III under the International Scale of River Difficulty; no lakes or canals)Yes
Fast CoverSurface water activities (other than sailing) up to 2 nautical miles off any land massYes
Fast CoverTrack and field athleticsYes
Fast CoverWalking, hiking, trekking or tramping, peaking at altitudes up to 3000 metres where specialist climbing equipment is not requiredYes
Fast CoverAbseilingNo, you must have purchased Adventure Pack
Fast CoverAnimal conservation and handling (under appropriate supervision)No, you must have purchased Adventure Pack
Fast CoverBattle re-enactment (not with firearms)No, you must have purchased Adventure Pack
Fast CoverCave/river tubingNo, you must have purchased Adventure Pack
Fast CoverCaving/potholingNo, you must have purchased Adventure Pack
Fast CoverContact sports (including any form of rugby, AFL, or American football)No, you must have purchased Adventure Pack
Fast CoverDeep sea FishingNo, you must have purchased Adventure Pack
Fast CoverDiving underwater using an artificial breathing apparatus at a depth no greater than 30 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities)No, you must have purchased Adventure Pack
Fast CoverExpeditions to or on the Kokoda TrailNo, you must have purchased Adventure Pack
Fast CoverFlying fox/zip liningNo, you must have purchased Adventure Pack
Fast CoverHiking, trekking or tramping, peaking (only at altitudes from 3000 metres and where specialist climbing equipment is not required)No, you must have purchased Adventure Pack
Fast CoverMartial arts (basic training only, no sparring)No, you must have purchased Adventure Pack
Fast CoverOutdoor rock climbing (with ropes and appropriate safety gear; but not free climbing)No, you must have purchased Adventure Pack
Fast CoverQuad biking (only single rider and not racing)No, you must have purchased Adventure Pack
Fast CoverSailing (only from 11 to 15 nautical miles of any land mass, and not racing)No, you must have purchased Adventure Pack
Fast CoverShooting (only moving target eg clay pigeon)No, you must have purchased Adventure Pack
Fast CoverSurface water activities in rivers or rapids (only graded IV or V under the International Scale of River Difficulty; no racing)No, you must have purchased Adventure Pack
Fast CoverParachuting (tandem)No, you must have purchased Adventure Pack
Fast CoverSky diving (tandem)No, you must have purchased Adventure Pack
Fast CoverHang gliding (tandem)No, you must have purchased Adventure Pack
Fast CoverGliding (tandem)No, you must have purchased Adventure Pack
Fast CoverParagliding (tandem)No, you must have purchased Adventure Pack
Fast CoverRecreational skiing and snowboardingNo, you must have purchased Snow Sports Plus Policy
Fast CoverBig foot skiing and snowboardingNo, you must have purchased Snow Sports Plus Policy
Fast CoverCat skiing and snowboardingNo, you must have purchased Snow Sports Plus Policy
Fast CoverCross-country skiing and snowboarding (along a designated cross country ski route only)No, you must have purchased Snow Sports Plus Policy
Fast CoverGlacier skiing and snowboardingNo, you must have purchased Snow Sports Plus Policy
Fast CoverHeli-skiing and snowboarding (provided by a commercial operator and available to the general public only)No, you must have purchased Snow Sports Plus Policy
Fast CoverIce hockey (not competitive)No, you must have purchased Snow Sports Plus Policy
Fast CoverIce skatingNo, you must have purchased Snow Sports Plus Policy
Fast CoverLugeing (on ice)No, you must have purchased Snow Sports Plus Policy
Fast CoverMono skiingNo, you must have purchased Snow Sports Plus Policy
Fast CoverOff-piste skiing or snowboardingNo, you must have purchased Snow Sports Plus Policy
Fast CoverSnowbmobilingNo, you must have purchased Snow Sports Plus Policy
Fast CoverTobogganingNo, you must have purchased Snow Sports Plus Policy
GoInsuranceAbseiling (with a licensed commercial operator and under supervision)Yes
GoInsuranceArchery (under supervision)Yes
GoInsuranceAthleticsYes
GoInsuranceBadmintonYes
GoInsuranceBanana boatingYes
GoInsuranceBaseball / Rounders / SoftballYes
GoInsuranceBasketballYes
GoInsuranceBoogie boardingYes
GoInsuranceBungy jumping (maximum 2 jumps and with a licensed commercial operator)Yes
GoInsuranceCanoeing / Kayaking (to Category 3)Yes
GoInsuranceCricketYes
GoInsuranceCurlingYes
GoInsuranceCycling / Mountain BikingYes
GoInsuranceFell / Gorge Running (on recognised routes)Yes
GoInsuranceFell / Gorge Walking (on recognised routes)Yes
GoInsuranceFishing (Course / Fly / Deep-sea)Yes
GoInsuranceFootball (not American)Yes
GoInsuranceGliding (as passenger only with a licensed operator)Yes
GoInsuranceGolfYes
GoInsuranceGuided Glacier WalkingYes
GoInsuranceGymnasticsYes
GoInsuranceHorse / Elephant / Camel RidingYes
GoInsuranceHot Air Ballooning (as passenger only with a licensed commercial operator)Yes
GoInsuranceJet Boating (as passenger only with a licensed commercial operator)Yes
GoInsuranceIce SkatingYes
GoInsuranceNetballYes
GoInsuranceOrienteeringYes
GoInsurancePaintballing / War GamesYes
GoInsuranceParascending / Parasailing (with a licensed commercial operator)Yes
GoInsurancePony / Horse TrekkingYes
GoInsuranceRacquet SportsYes
GoInsuranceRoller Blading / Ice SkatingYes
GoInsuranceRowingYes
GoInsuranceRunning / JoggingYes
GoInsuranceSafari Travel (in a vehicle or on foot with a licensed commercial operator)Yes
GoInsuranceScuba DivingYes
GoInsuranceSkateboardingYes
GoInsuranceSnow sportsNo, you must purchase additional snow sports cover
GoInsuranceSnorkellingYes
GoInsuranceSoccerYes
GoInsuranceSurfingYes
GoInsuranceSwimmingYes
GoInsuranceTable TennisYes
GoInsuranceTen Pin BowlingYes
GoInsuranceTennisYes
GoInsuranceTobogganing / TrampoliningYes
GoInsuranceTrekking / Rambling / Hiking (with a licensed commercial operator on established / mapped routes and subject to a maximum height of 4000m)Yes
GoInsuranceVolley BallYes
GoInsuranceWatersportsNo, you must purchase additional water sports cover
GoInsuranceWater PoloYes
GoInsuranceWhite / Black Water Rafting or Canoeing (to Category 3 and with a licensed commercial operator)Yes
GoInsuranceWindsurfing / BoardsailingYes
GoInsuranceZorbingYes
Insure4lessAbseilingYes
Insure4lessAdventure RacingYes
Insure4lessAnglingYes
Insure4lessArcheryYes
Insure4lessAthleticsYes
Insure4lessAussie RulesYes
Insure4lessBadmintonYes
Insure4lessBamboo RaftingYes
Insure4lessBanana BoatingYes
Insure4lessBaseballYes
Insure4lessBasketballYes
Insure4lessBeach volley ballYes
Insure4lessBiathlon (non-snow)Yes
Insure4lessBMX riding (no stunts / obstacles)Yes
Insure4lessBoardsailing / WindsurfingYes
Insure4lessBoulderingYes
Insure4lessBowlingYes
Insure4lessBowlsYes
Insure4lessBridge SwingingYes
Insure4lessBungee Jumping (max 2 jumps per trip)Yes
Insure4lessBushwalkingYes
Insure4lessCamel RidingYes
Insure4lessCanoeingYes
Insure4lessCanyoningYes
Insure4lessCatamaran Sailing (within territorial waters)Yes
Insure4lessClay Pigeon ShootingYes
Insure4lessClimbing (indoor)Yes
Insure4lessCricketYes
Insure4lessCross Country RunningYes
Insure4lessCurlingYes
Insure4lessCyclingYes
Insure4lessDeep Sea FishingYes
Insure4lessDinghy SailingYes
Insure4lessDiving (Scuba) (up to 30m depth - see notes below)Yes
Insure4lessDog SleddingYes
Insure4lessDragon boat racing (including international competition)Yes
Insure4lessDry Slope Skiing/BoardingYes
Insure4lessElephant Trekking / RidingYes
Insure4lessEndurance Tests (see notes 2 below)Yes
Insure4lessExpeditions (see notes 2 below)Yes
Insure4lessFell RunningYes
Insure4lessFell WalkingYes
Insure4lessFencingYes
Insure4lessFishingYes
Insure4lessFivesYes
Insure4lessFloorballYes
Insure4lessFootball (Soccer) (see note 2 below)Yes
Insure4lessGaelic FootballYes
Insure4lessGlacier WalkingYes
Insure4lessGo-KartingYes
Insure4lessGolfYes
Insure4lessGymnasticsYes
Insure4lessHandballYes
Insure4lessHockeyYes
Insure4lessHorse Riding (excluding racing, jumping or competing)Yes
Insure4lessHot Air BallooningYes
Insure4lessHurlingYes
Insure4lessIce Skating excluding Speed SkatingYes
Insure4lessInline SkatingYes
Insure4lessJet BoatingYes
Insure4lessJet SkiingYes
Insure4lessJoggingYes
Insure4lessKayaking (up to grade 3 rivers )Yes
Insure4lessKendoYes
Insure4lessKite SurfingYes
Insure4lessLacrosseYes
Insure4lessMarathon RunningYes
Insure4lessMartial Arts not involving intentional bodily contactYes
Insure4lessModern PentathlonYes
Insure4lessMotor Cycling (see note below)Yes
Insure4lessMountain Biking (recreational only. No cover for competitive or non-competitive downhill biking)Yes
Insure4lessMountaineeringNo, you must contact insure4less for specifics cover
Insure4lessNetballYes
Insure4lessOrienteeringYes
Insure4lessOutdoor Endurance Events (see note 2 below)Yes
Insure4lessOutriggingYes
Insure4lessOverland TripsYes
Insure4lessPaintballingYes
Insure4lessParachute Jumping - static line -Yes
Insure4lessParaglidingYes
Insure4lessParapentingYes
Insure4lessParasailingYes
Insure4lessParascendingYes
Insure4lessPistol ShootingYes
Insure4lessPony TrekkingYes
Insure4lessQuad BikingYes
Insure4lessRacketballYes
Insure4lessRacketsYes
Insure4lessRamblingYes
Insure4lessRap JumpingYes
Insure4lessReenacting (excludes use of live ammunition)Yes
Insure4lessRifle ShootingYes
Insure4lessRingosYes
Insure4lessRock climbing using ropes and guidesNo, you must contact insure4less for specifics cover
Insure4lessRoller BladingYes
Insure4lessRoller HockeyYes
Insure4lessRoundersYes
Insure4lessRowingYes
Insure4lessRugby League (see note 2 below)Yes
Insure4lessRugby Sevens (see note 2 below)Yes
Insure4lessRugby Union (see note 2 below)Yes
Insure4lessRunningYes
Insure4lessSafari trekkingYes
Insure4lessSail BoardingYes
Insure4lessSailing / Yachting - recreational within territorial watersYes
Insure4lessSand Dune surfing / skiingYes
Insure4lessScramblingYes
Insure4lessScuba Diving (up to 30m depth - see notes below)Yes
Insure4lessSea CanoeingYes
Insure4lessSea KayakingYes
Insure4lessShark Diving - in cage -Yes
Insure4lessShintyYes
Insure4lessShootingYes
Insure4lessSkate BoardingYes
Insure4lessSkiing - snow (subject to you having taken snow sports cover)Yes
Insure4lessSky Diving - TandemYes
Insure4lessSnorkelingYes
Insure4lessSnowboarding (subject to you having taken snow sports cover)Yes
Insure4lessSoccer (see note 2 below)Yes
Insure4lessSoftballYes
Insure4lessSquashYes
Insure4lessStreet HockeyYes
Insure4lessSummer TobogganingYes
Insure4lessSurfingYes
Insure4lessSwimmingYes
Insure4lessTable TennisYes
Insure4lessTennisYes
Insure4lessTobogganingYes
Insure4lessTouch footballYes
Insure4lessTrampingYes
Insure4lessTrampoliningYes
Insure4lessTrekking (up to 4,000 m without ropes, picks or other specialist climbing equipment) - See note 3 belowYes
Insure4lessTrekking with ropes, picks or other specialist climbing equipmentNo, you must contact insure4less for specifics cover
Insure4lessTriathlonYes
Insure4lessTug-of-WarYes
Insure4lessVia Ferrata (using established routes and fixed apparatus)Yes
Insure4lessVolleyballYes
Insure4lessWakeboardingYes
Insure4lessWalkingYes
Insure4lessWar GamesYes
Insure4lessWater PoloYes
Insure4lessWater SkiingYes
Insure4lessWhite Water Canoeing / Rafting (up to Grade 4)Yes
Insure4lessWindsurfingYes
Insure4lessZorbingYes
InsureandGoBig foot SkiingNo, you must purchase winter sports cover
InsureandGoCat skiingNo, you must purchase winter sports cover
InsureandGoCross-country skiing (along a designated cross country ski route onlyNo, you must purchase winter sports cover
InsureandGoGlacier skiingNo, you must purchase winter sports cover
InsureandGoHeli-skiingNo, you must purchase winter sports cover
InsureandGoIce Hockey (not competitive)No, you must purchase winter sports cover
InsureandGoIce SkatingNo, you must purchase winter sports cover
InsureandGoLugeing -iceNo, you must purchase winter sports cover
InsureandGoMono skiingNo, you must purchase winter sports cover
InsureandGoOff-piste skiing - with professional snow sport instructor/guideNo, you must purchase winter sports cover
InsureandGoRecreational ski racing (not training for, or participating in a competition)No, you must purchase winter sports cover
InsureandGoSkiing (recreational only)No, you must purchase winter sports cover
InsureandGoSnowmobilingNo, you must purchase winter sports cover
InsureandGoTobogganingNo, you must purchase winter sports cover
InsureandGoAbseiling (fully harnessed)Yes
InsureandGoAmateur athleticsYes
InsureandGoArchaeological diggingYes
InsureandGoArchery - amateur and occasional onlyYes
InsureandGoAssault course (no weapons)Yes
InsureandGoBadminton - amateur and occasional onlyYes
InsureandGoBaseball - amateur and occasional onlyYes
InsureandGoBasketball - amateur and occasional onlyYes
InsureandGoBattle reenactment (no live firearms)Yes
InsureandGoBreathing observation bubble diving (maximum depth 30 metres)Yes
InsureandGoBridge walking - supervised by a fully-trained guide onlyYes
InsureandGoBungee jumps (three jumps maximum)Yes
InsureandGoCamel or elephant riding or trekkingYes
InsureandGoCanoeing (grade 1 & 2 rapids or lower)Yes
InsureandGoCanoeing (grade 3 & 4 rapids or lower)Yes
InsureandGoCanopy walking or tree-top walkingYes
InsureandGoCave tubing or river tubingYes
InsureandGoClay-pigeon shootingYes
InsureandGoCoasteering - amateur and occasional onlyYes
InsureandGoConservation or charity work (educational and environmental - working with hand tools only)Yes
InsureandGoCricket - amateur and occasional onlyYes
InsureandGoCycle touringYes
InsureandGoCyclingYes
InsureandGoDragon boatingYes
InsureandGoDune or wadi bashingYes
InsureandGoFalconryYes
InsureandGoFootball - amateur and occasional onlyYes
InsureandGoGo-kartingYes
InsureandGoGolf - amateur and occasional onlyYes
InsureandGoGorge swinging or canyon swingingYes
InsureandGoGorge walkingYes
InsureandGoHockeyYes
InsureandGoHorse riding (not polo, hunting or jumping)Yes
InsureandGoHot-air ballooningYes
InsureandGoHusky sledge drivingYes
InsureandGoJet boatingYes
InsureandGoJet skiingYes
InsureandGoJoggingYes
InsureandGoKayaking (grade 1 & 2 rapids or lower)Yes
InsureandGoKayaking (grade 3 & 4 rapids)Yes
InsureandGoLugeing - not iceYes
InsureandGoMarathons - amateur and occasional onlyYes
InsureandGoMartial arts - training onlyYes
InsureandGoMotorcycling - over 125cc (please note General Exclusion 11.)Yes
InsureandGoMotorcycling - under 125cc (please note General Exclusion 11.)Yes
InsureandGoMountain biking - not racing or extreme ground conditions or stuntsYes
InsureandGoMud buggyingYes
InsureandGoNetball - amateur and occasional onlyYes
InsureandGoOrienteering - amateur and occasional onlyYes
InsureandGoOstrich riding (not racing)Yes
InsureandGoPaintballing - wearing eye protectionYes
InsureandGoParasailingYes
InsureandGoParascending over waterYes
InsureandGoPassenger in private or small aircraft or helicopterYes
InsureandGoQuad bikingYes
InsureandGoRafting - white or black water (grade 1 and 2 rapids)Yes
InsureandGoRafting - white or black water (grade 3 and 4 rapids)Yes
InsureandGoRamblingYes
InsureandGoRefereeing - on an amateur basisYes
InsureandGoRock Climbing - Indoor and harnessedYes
InsureandGoRoller blading (no racing, half-pipe, stunts or extreme skating)Yes
InsureandGoRowing - amateur and occasional onlyYes
InsureandGoRugby codes - amateur and occasional onlyYes
InsureandGoRunning - sprint and long distanceYes
InsureandGoSafariYes
InsureandGoSand boardingYes
InsureandGoSand yachtingYes
InsureandGoScuba diving (qualified, maximum depth 30 metres, not diving alone)Yes
InsureandGoScuba diving (unqualified but with instructor, maximum depth 30 metres)Yes
InsureandGoSea canoeing or kayaking - day trips and coastal onlyYes
InsureandGoSea canoeing or kayaking - short or day trips only, with overnight stays (not on water)Yes
InsureandGoSkateboarding (no racing, half-pipe, stunts or extreme skating)Yes
InsureandGoSleigh rides - as part of a Christmas trip to NorthernYes
InsureandGoSnorkellingYes
InsureandGoSquashYes
InsureandGoSurfing (not big wave or extreme surfing)Yes
InsureandGoSwimmingYes
InsureandGoTarget rifle shootingYes
InsureandGoTennis - amateur and occasional onlyYes
InsureandGoTrekking or hiking (over 3,000 metres but under 5,000 metres altitude)Yes
InsureandGoTrekking or hiking (under 3,000 metres altitude)Yes
InsureandGoTubingYes
InsureandGoVolleyball - amateur and occasional onlyYes
InsureandGoWake boarding (no stunts)Yes
InsureandGoWater polo - amateur and occasional onlyYes
InsureandGoWaterskiing (no stunts)Yes
InsureandGoWindsurfingYes
InsureandGoYachting - not racing and sailing inside territorial watersYes
InsureandGoZip liningYes
InsureandGoZorbingYes
iTrekAbseilingYes
iTrekAmateur athleticsYes
iTrekAnglingYes
iTrekArchaeological diggingYes
iTrekArcheryYes
iTrekBadmintonYes
iTrekBaseballYes
iTrekBasketballYes
iTrekBattle re-enactment (no live firearm)Yes
iTrekBicycle touringYes
iTrekBig foot skiingYes
iTrekBiking/cycling -incidental to the trip (excluding racing - no cover for bicycle)Yes
iTrekBowlingYes
iTrekBoxing training (no contact)Yes
iTrekBreathing observation bubble diving (max 30 meters)Yes
iTrekBridge walking- supervised by fully trained guideYes
iTrekBungee jumpingYes
iTrekBushwalkingYes
iTrekCamel RidingYes
iTrekCamel trekkingYes
iTrekCanoeingYes
iTrekCanopy walking/tree top walkingYes
iTrekCanyon swing / gorge swingingYes
iTrekCat skiingYes
iTrekClay-Pidgeon shootingYes
iTrekConservation or charity work (hand tools only)Yes
iTrekCricketYes
iTrekCycle touringYes
iTrekDancingYes
iTrekDinghy Sailing (restrictions apply as outlined in the definition of "Open Water Sailing" in PDS)Yes
iTrekDog sledding (excluding racing)Yes
iTrekDragon boatingYes
iTrekElephant ridingYes
iTrekElephant trekkingYes
iTrekFalconryYes
iTrekFencing (non-competitive only)Yes
iTrekFishing (excluding spear fishing)Yes
iTrekFlying foxYes
iTrekFootballYes
iTrekGo KartingYes
iTrekGolfYes
iTrekGorge walkingYes
iTrekGymnastics (excluding competition)Yes
iTrekHiking or trampingYes
iTrekHockeyYes
iTrekHorse riding (excluding eventing, polo or racing)Yes
iTrekHot air ballooningYes
iTrekHusky sledge drivingYes
iTrekIce skatingYes
iTrekJet boatingYes
iTrekJet skiingYes
iTrekJoggingYes
iTrekKayakingYes
iTrekKite boardingYes
iTrekKite buggyYes
iTrekKite surfingYes
iTrekMarathonYes
iTrekMartial arts non-contactYes
iTrekMono-skiingYes
iTrekMoped bikingYes
iTrekMotorbikesYes
iTrekMountain biking - incidental to the tripYes
iTrekMountain boardingYes
iTrekNetballYes
iTrekOrienteeringYes
iTrekOstrich ridingYes
iTrekPaint-ballingYes
iTrekPassenger - licenced light aircraft/ licenced helicopterYes
iTrekRamblingYes
iTrekRefereeingYes
iTrekRiver boarding / River sledging (in white water rapids Graded 1, 2 & 3 only)Yes
iTrekRock climbing-indoorYes
iTrekRoller bladingYes
iTrekRoller skatingYes
iTrekRowingYes
iTrekRugbyYes
iTrekRunning-sprint/long distanceYes
iTrekSafari tours (but not hunting)Yes
iTrekSailing- coastal watersYes
iTrekSand boardingYes
iTrekSand yachtingYes
iTrekScuba divingYes
iTrekScullingYes
iTrekSea canoeingYes
iTrekSea kayakingYes
iTrekSkateboarding - skate parkYes
iTrekSkateboarding - streetYes
iTrekSkateboarding-ramp/half pipe (but not competitively)Yes
iTrekSkiingYes
iTrekSleigh ridesYes
iTrekSnorkellingYes
iTrekSnowboardingYes
iTrekSquashYes
iTrekStand up paddle surfingYes
iTrekStilt walkingYes
iTrekSurfingYes
iTrekSwimmingYes
iTrekTable tennisYes
iTrekTen pin bowlingYes
iTrekTennisYes
iTrekTobogganingYes
iTrekTrekking (excluding trekking in Antarctica, Greenland or North Pole)Yes
iTrekTubing (water only)Yes
iTrekUltimate FrisbeeYes
iTrekVolleyballYes
iTrekWakeboardingYes
iTrekWakeskatingYes
iTrekWalkingYes
iTrekWater poloYes
iTrekWater skiingYes
iTrekWhite water kayaking (in rapids Graded 1, 2 & 3 only)Yes
iTrekWhite water rafting (in rapids Graded 1, 2 & 3 only)Yes
iTrekWindsurfingYes
iTrekYachting- coastal watersYes
iTrekZip lineYes
iTrekZorbingYes
MultitripCave tubing or river tubingYes
MultitripClay-pigeon shooYes
MultitripCoasteering - amateur and occasional onlyYes
MultitripConservation or charity work (educational and environmental - working with hand tools onlyYes
MultitripCricket - amateur and occasional onlyYes
MultitripCycle touringYes
MultitripCyclingYes
MultitripDragon boatingYes
MultitripDune or wadi bashingYes
MultitripFalconryYes
MultitripFootball - amateur and occasional onlyYes
MultitripGo-kartingYes
MultitripGolf - amateur and occasional onlyYes
MultitripGorge swinging or canyon swinginYes
MultitripGorge walkinYes
MultitripHockeyYes
MultitripHorse riding (not polo, hunting or jumping)Yes
MultitripHot-air ballooningYes
MultitripHusky sledge divingYes
MultitripJet boatingYes
MultitripJet skiingYes
MultitripJoggingYes
MultitripKayaking (grade 1 & 2 rapids or lower)Yes
MultitripKayaking (grade 3 & 4 rapids)Yes
MultitripLugeing - not iceYes
MultitripMarathons - amateur and occasional onlyYes
MultitripMartial arts - training onlyYes
MultitripMotorcycling - over 125cc (please note General Exclusion 13.)Yes
MultitripMotorcycling - under 125cc (please note General Exclusion 13.)Yes
MultitripRowing - amateur and occasional onlyYes
MultitripRugby codes - amateur and occasional onlyYes
MultitripRunning - sprint and long distanceYes
MultitripSafariYes
MultitripSand boardingYes
MultitripSand yachtingYes
MultitripScuba diving (qualified, maximum depth 30 metres, not diving alone)Yes
MultitripScuba diving (unqualified but with instructor, maximum depth 30 metres)Yes
MultitripSea canoeing or kayaking - short or day trips only, with overnight stays (not on water)Yes
MultitripSea canoeing or kayaking - day trips and coastal onlyYes
MultitripSleigh rides - as part of a Christmas trip toNorthern EuropeYes
MultitripSkateboarding (no racing, half-pipe, stunts or extreme skating)Yes
MultitripSnorkellingYes
MultitripSQuashYes
MultitripSurfing (not big wave or extreme surfing)Yes
MultitripSwimmingYes
MultitripTarget rifle shootingYes
MultitripTennis - amateur and occasional onlyYes
MultitripTrekking or hiking (over 3,000 metres but under 5,000 metres altitude)Yes
MultitripTubingYes
MultitripVolleyball - amateur and occasional onlyYes
MultitripWake boarding (no stunts)Yes
MultitripWater polo - amateur and occasional onlyYes
MultitripWaterskiing (no stunts)Yes
MultitripWindsurfingYes
MultitripYachting - not racing and sailing inside territorial watersYes
MultitripZip liningYes
MultitripZorbingYes
MultitripAbseiling (fully harnessed)Yes
MultitripAmateur athleticsYes
MultitripArchaeological diggingYes
MultitripArchery - amateur and occasional onlyYes
MultitripAssault course (no weapons)Yes
MultitripBadminton - amateur and occasional onlyYes
MultitripBaseball - amateur and occasional onlyYes
MultitripBasketball - amateur and occasional onlyYes
MultitripBattle re-enactment (no live firearms)Yes
MultitripBreathing observation bubble diving (maximum depth 30 metres)Yes
MultitripBridge walking - supervised by a fully- trained guide onlyYes
MultitripBungee jumps (three jumps maximum)Yes
MultitripCamel or elephant riding or trekkingYes
MultitripCanoeing (grade 1 & 2 rapids or lower)Yes
MultitripCanoeing (grade 3 & 4 rapids)Yes
MultitripCanopy walking or tree-top walkingYes
MultitripMountain biking - not racing or extremeground conditions or stuntsYes
MultitripMud buggyingYes
MultitripNetball - amateur and occasional onlyYes
MultitripOrienteering - amateur and occasional onlyYes
MultitripOstrich riding (not racing)Yes
MultitripPaintballing - wearing eye protectionYes
MultitripParasailingYes
MultitripParascending - over waterYes
MultitripPassenger in private or small aircraft or helicopterYes
MultitripRafting - white or black water (grade 3 and 4 rapids)Yes
MultitripRafting - white or black water (grade 1 and 2 rapids)Yes
MultitripRamblingYes
MultitripRefereeing - on an amateur basisYes
MultitripRock Climbing - Indoor and harnessedYes
MultitripRoller blading (no racing, half-pipe, stunts or extreme skating)Yes
MultitripBig foot SkiingNo, you must purchase winter sports cover
MultitripCat skiingNo, you must purchase winter sports cover
MultitripCross-country skiing (along a designated cross country ski route only)No, you must purchase winter sports cover
MultitripGlacier skiingNo, you must purchase winter sports cover
MultitripHeli-skiingNo, you must purchase winter sports cover
MultitripIce Hockey (not competitive)No, you must purchase winter sports cover
MultitripIce skatingNo, you must purchase winter sports cover
NoWorriesAlpine skiing and snowboardingNo, you need to purchase the Winter Sports Option
NoWorriesCurlingNo, you need to purchase the Winter Sports Option
NoWorriesGlacier skiingNo, you need to purchase the Winter Sports Option
NoWorriesIce skatingNo, you need to purchase the Winter Sports Option
NoWorriesMono skiingNo, you need to purchase the Winter Sports Option
NoWorriesNordic skiing (cross country)No, you need to purchase the Winter Sports Option
NoWorriesSki bobbingNo, you need to purchase the Winter Sports Option
NoWorriesSkidooingNo, you need to purchase the Winter Sports Option
NoWorriesSnowmobilingNo, you need to purchase the Winter Sports Option
NoWorriesTobogganingNo, you need to purchase the Winter Sports Option
NoWorriesAbseiling (organised)Yes
NoWorriesFencingYes
NoWorriesParasailingYes
NoWorriesVia FerrataYes
NoWorriesAerobicsYes
NoWorriesField HockeyYes
NoWorriesParascendingYes
NoWorriesVolley BallYes
NoWorriesArcheryYes
NoWorriesFishing (Course/Fly/Deepsea/Spear)Yes
NoWorriesAthleticsYes
NoWorriesFootballYes
NoWorriesRickshaw Run (rally)Yes
NoWorriesWadi BashingYes
NoWorriesBackpackingYes
NoWorriesGlacier Walking GuidedYes
NoWorriesRoller BladingYes
NoWorriesWake BoardingYes
NoWorriesBadmintonYes
NoWorriesGo-KartingYes
NoWorriesRoundersYes
NoWorriesWall Climbing (man-made)Yes
NoWorriesBanana BoatingYes
NoWorriesGolfYes
NoWorriesRowingYes
NoWorriesWater PoloYes
NoWorriesBaseballYes
NoWorriesGorge SwingingYes
NoWorriesRunning/joggingYes
NoWorriesWater SkiingYes
NoWorriesBasketballYes
NoWorriesGorilla TrekkingYes
NoWorriesSafari Travel (vehicle or on foot)Yes
NoWorriesWhale WatchingYes
NoWorriesBattle Re-enactmentYes
NoWorriesGymnasticsYes
NoWorriesSailingYes
NoWorriesWhite / Black Water RaftingYes
NoWorriesBMX-ingYes
NoWorriesHelicopter Ride (passenger only)Yes
NoWorriesScuba Diving (up to 40 metres in depth, excluding solo or shipwreck diving)Yes
NoWorriesWindsurfingYes
NoWorriesBoogie BoardingYes
NoWorriesHikingYes
NoWorriesShark cage divingYes
NoWorriesYogaYes
NoWorriesBoulderingYes
NoWorriesHorse Riding and other animalsYes
NoWorriesShooting (shooting range only)Yes
NoWorriesZip Line / WireYes
NoWorriesBowlsYes
NoWorriesHot Air Ballooning (passenger only)Yes
NoWorriesSkate BoardingYes
NoWorriesZorbingYes
NoWorriesBreathing ObservationYes
NoWorriesHurlingYes
NoWorriesSnorkellingYes
NoWorriesBridge WalkingYes
NoWorriesHydro SpeedingYes
NoWorriesSnow ShoeingYes
NoWorriesBubble DivingYes
NoWorriesIce SkatingYes
NoWorriesSoftballYes
NoWorriesBungee JumpingYes
NoWorriesJet BoatingYes
NoWorriesSquashYes
NoWorriesCanoeingYes
NoWorriesJet SkiingYes
NoWorriesStorm Chasing (organised)Yes
NoWorriesCricketYes
NoWorriesSkiingYes
NoWorriesKayakingYes
NoWorriesSurfingYes
NoWorriesCross CountryYes
NoWorriesKloofingYes
NoWorriesSwimmingYes
NoWorriesNordic SkiingYes
NoWorriesSwimming with DolphinsYes
NoWorriesCurling Marathon Running / WalkingYes
NoWorriesTable TennisYes
NoWorriesCyclingYes
NoWorriesMongol RallyYes
NoWorriesTall Ship CrewingYes
NoWorriesDog SleddingYes
NoWorriesMountain BoardingYes
NoWorriesTennisYes
NoWorriesDrag HuntingYes
NoWorriesNetballYes
NoWorriesTrampoliningYes
NoWorriesDragon BoatingYes
NoWorriesOpen Water Swimming (Assisted)Yes
NoWorriesTree Canopy Walking / ClimbingYes
NoWorriesDune BashingYes
NoWorriesOrienteeringYes
NoWorriesTrekkingYes
NoWorriesFalconryYes
NoWorriesOutward Bound PursuitsYes
NoWorriesTriathlonYes
NoWorriesFell / Gorge RunningYes
NoWorriesOverland TravelYes
NoWorriesTubingYes
NoWorriesFell / Gorge WalkingYes
NoWorriesPaintballingYes
NoWorriesTug of WarYes
Online Travel InsuranceAbseilingNo, you must purchase Adventure Pack
Online Travel InsuranceAnimal conservation and handling (under supervision)No, you must purchase Adventure Pack
Online Travel InsuranceBattle re-enactment (but not with firearms)No, you must purchase Adventure Pack
Online Travel InsuranceCave/river tubingNo, you must purchase Adventure Pack
Online Travel InsuranceCaving/potholingNo, you must purchase Adventure Pack
Online Travel InsuranceContact sports (including any form of rugby, Australian Rules football or American football)No, you must purchase Adventure Pack
Online Travel InsuranceDeep sea fishingNo, you must purchase Adventure Pack
Online Travel InsuranceDiving underwater using an artificial breathing apparatus at a depth no greater than 30 metres (you must hold an open water diving licence recognised in Australia or dive under licensed instruction)No, you must purchase Adventure Pack
Online Travel InsuranceExpeditions to or on the Kokoda Track/TrailNo, you must purchase Adventure Pack
Online Travel InsuranceFlying fox/zip liningNo, you must purchase Adventure Pack
Online Travel InsuranceHiking, trekking or tramping, peaking at altitudes from 3,000 metres up to 6,000 metres, where specialist climbing equipment is not requiredNo, you must purchase Adventure Pack
Online Travel InsuranceMartial artsNo, you must purchase Adventure Pack
Online Travel InsuranceOutdoor rock climbing (with ropes and appropriate safety gear)No, you must purchase Adventure Pack
Online Travel InsuranceQuad biking (but only single rider)No, you must purchase Adventure Pack
Online Travel InsuranceSailing from 11 to 15 nautical miles off any land massNo, you must purchase Adventure Pack
Online Travel InsuranceShooting (but only moving target, e.g. clay pigeon)No, you must purchase Adventure Pack
Online Travel InsuranceSurface water activities in rivers or rapids graded IV or V under the International Scale of River Difficulty.No, you must purchase Adventure Pack
Online Travel InsuranceTandem parachuting, tandem sky diving, tandem hang gliding, andem gliding and tandem paragliding (but you must be with a licensed instructor for all these activities)No, you must purchase Adventure Pack
Online Travel InsuranceUse of motorcycles with engine capacities greater than 250 ccNo, you must purchase Adventure Pack
Online Travel InsuranceSnow sportsNo, you must purchase Snow pack
Online Travel InsuranceBikes - equipment coverNo, you must purchase Snow pack
Online Travel InsuranceBicyclingNo, you must purchase Snow pack
Online Travel InsuranceAqua zorbingYes
Online Travel InsuranceArcheryYes
Online Travel InsuranceBicycling (but not bicycle motorcross (BMX) or downhill mountain biking)Yes
Online Travel InsuranceBungee jumping or canyon swingingYes
Online Travel InsuranceCamel, donkey or elephant riding (under appropriate supervision)Yes
Online Travel InsuranceDancingYes
Online Travel InsuranceDiving underwater using an artificial breathing apparatus at a depth no greater than 10 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities)Yes
Online Travel InsuranceDog sleddingYes
Online Travel InsuranceFishing (on land or within 2 nautical miles of a land mass)Yes
Online Travel InsuranceGo-kartingYes
Online Travel InsuranceGolfYes
Online Travel InsuranceGym activities (but not powerlifting)Yes
Online Travel InsuranceGymnastics (but not competitions)Yes
Online Travel InsuranceHorse riding (but not competitions, equestrian events, steeple chasing, jumping, or polo)Yes
Online Travel InsuranceIce skating on a rink (but not including competitive skating, racing, speed skating, and tour skating)Yes
Online Travel InsuranceIndoor rock climbing (under appropriate supervision)Yes
Online Travel InsuranceLeisure activities (meaning any activities involving minimal physical exertion that is undertaken for relaxation or pleasure. For example, sight-seeing, picnics, photography and museum or art gallery visits)Yes
Online Travel InsuranceMotorcycle, scooter or moped riding (restrictions apply - refer to General Exclusion A.12)Yes
Online Travel InsuranceOrienteeringYes
Online Travel InsurancePaintball (with eye protection)Yes
Online Travel InsuranceRacing on foot for distances up to and including full marathon (42.2 kilometres or 26.2 miles)Yes
Online Travel InsuranceRacquet and ball sports not involving physical contactYes
Online Travel InsuranceRegulated or licensed ballooningYes
Online Travel InsuranceSafari (under appropriate supervision) but not huntingYes
Online Travel InsuranceSailing up to 10 nautical miles off any land massYes
Online Travel InsuranceShark cage diving (subject to diving restrictions listed above)Yes
Online Travel InsuranceShooting (fixed target only)Yes
Online Travel InsuranceSkateboarding, roller skating, inline skating (but not including vert skating or acrobatics)Yes
Online Travel InsuranceSnorkellingYes
Online Travel InsuranceSoccerYes
Online Travel InsuranceSurface water activities (other than sailing) up to 2 nautical miles off any land massYes
Online Travel InsuranceSurface water activities in rivers or rapids graded I, II or III under the International Scale of River Difficulty, or lakes or canalsYes
Online Travel InsuranceTrack and field athleticsYes
Online Travel InsuranceWalking, hiking, trekking or tramping, peaking at altitudes up to 3,000 metres where specialist climbing equipment is not required (but not expeditions to or on the Kokoda Track/Trail).Yes
SkiSkiingYes
SkiHeli-skiingNo, you must purchase professional cover
SkiSnowboardingYes
SkiOff pisteYes
STAAbseilingYes
STAAqua zorbingYes
STAArcheryYes
STABicycling (not bicycle motorcross (BMX))Yes
STABungee/bungy jumpingYes
STACamel, donkey or elephant riding (supervised)Yes
STACanoeing/sea canoeingYes
STACaving / potholingYes
STAContact sports (including any form of rugby, Australian rules football or American football)Yes
STADancingYes
STADeep sea fishingYes
STADog sleddingYes
STAFishing (on land or within 2 nautical miles of a land mass)Yes
STAFlying fox/zip liningYes
STAGo kartingYes
STAGolfingYes
STAGym activities (not powerlifting)Yes
STAGymnastics (not competitions)Yes
STAHikingYes
STAHorse riding (not competitions, equestrian events, steeple chasing, jumping or polo)Yes
STAHot air ballooningYes
STAIce skating on a rink (not competitive skating, racing, speed skating, or tour skating)Yes
STAJet boatingYes
STAJet skiingYes
STAKayakingYes
STAKite surfingYes
STAMotorcycling or moped riding (restrictions apply)Yes
STAMountain bikingYes
STAMountaineering where ropes and guides are not requiredYes
STAOrienteeringYes
STAPaintball (with eye protection)Yes
STAParaglidingYes
STAParasailingYes
STAQuad bikingYes
STARacing on foot (restrictions apply)Yes
STARacquet and ball sports not involving physical contactYes
STASafari (supervised and excluding hunting)Yes
STASailing (up to 10 nautical miles off any land mass)Yes
STAScuba diving (restrictions apply)Yes
STAShark cage divingYes
STAShooting (at a range)Yes
STASkateboarding, roller skating, rollerblading (not vert skating or inline skating)Yes
STASkydivingYes
STASnorkelingYes
STASnowmobilingYes
STASoccerYes
STASurfingYes
STAWake boarding / wake skatingYes
STAWhite water raftingYes
STAWindsurfingYes
STASkiingYes
STASnowboardingYes
STACross country skiingYes
TickAbseiling (fully harnessed)Yes
TickAmateur athleticsYes
TickArchaeological diggingYes
TickArchery - amateur and occasional onlyYes
TickAssault course (no weapons)Yes
TickBadminton - amateur and occasional onlyYes
TickBaseball - amateur and occasional onlyYes
TickBasketball - amateur and occasional onlyYes
TickBattle reenactment (no live firearms)Yes
TickBreathing observation bubble diving (maximum depth 30 metres)Yes
TickBridge walking - supervised by a fully-trained guide onlyYes
TickBungee jumps (three jumps maximum)Yes
TickCamel or elephant riding or trekkingYes
TickCanoeing (grade 1 & 2 rapids or lower)Yes
TickCanoeing (grade 3 & 4 rapids or lower)Yes
TickCanopy walking or tree-top walkingYes
TickCave tubing or river tubingYes
TickClay-pigeon shootingYes
TickCoasteering - amateur and occasional onlyYes
TickConservation or charity work (educational and environmental - working with hand tools only)Yes
TickCricket - amateur and occasional onlyYes
TickCycle touringYes
TickCyclingYes
TickDragon boatingYes
TickDune or wadi bashingYes
TickFalconryYes
TickFootball - amateur and occasional onlyYes
TickGo-kartingYes
TickGolf - amateur and occasional onlyYes
TickGorge swinging or canyon swingingYes
TickGorge walkingYes
TickHockeyYes
TickHorse riding (not polo, hunting or jumping)Yes
TickHot-air ballooningYes
TickHusky sledge drivingYes
TickJet boatingYes
TickJet skiingYes
TickJoggingYes
TickKayaking (grade 1 & 2 rapids or lower)Yes
TickKayaking (grade 3 & 4 rapids)Yes
TickLugeing - not iceYes
TickMarathons - amateur and occasional onlyYes
TickMartial arts - training onlyYes
TickMotorcycling - over 125cc (please note General Exclusion 11.)Yes
TickMotorcycling - under 125cc (please note General Exclusion 11.)Yes
TickMountain biking - not racing or extreme ground conditions or stuntsYes
TickMud buggyingYes
TickNetball - amateur and occasional onlyYes
TickOrienteering - amateur and occasional onlyYes
TickOstrich riding (not racing)Yes
TickPaintballing - wearing eye protectionYes
TickParasailingYes
TickParascending over waterYes
TickPassenger in private or small aircraft or helicopterYes
TickQuad bikingYes
TickRafting - white or black water (grade 1 and 2 rapids)Yes
TickRafting - white or black water (grade 3 and 4 rapids)Yes
TickRamblingYes
TickRefereeing - on an amateur basisYes
TickRock Climbing - Indoor and harnessedYes
TickRoller blading (no racing, half-pipe, stunts or extreme skating)Yes
TickRowing - amateur and occasional onlyYes
TickRugby codes - amateur and occasional onlyYes
TickRunning - sprint and long distanceYes
TickSafariYes
TickSand boardingYes
TickSand yachtingYes
TickScuba diving (qualified, maximum depth 30 metres, not diving alone)Yes
TickScuba diving (unqualified but with instructor, maximum depth 30 metres)Yes
TickSea canoeing or kayaking - day trips and coastal onlyYes
TickSea canoeing or kayaking - short or day trips only, with overnight stays (not on water)Yes
TickSkateboarding (no racing, half-pipe, stunts or extreme skating)Yes
TickSleigh rides - as part of a Christmas trip to NorthernYes
TickSnorkellingYes
TickSquashYes
TickSurfing (not big wave or extreme surfing)Yes
TickSwimmingYes
TickTarget rifle shootingYes
TickTennis - amateur and occasional onlyYes
TickTrekking or hiking (over 3,000 metres but under 5,000 metres altitude)Yes
TickTrekking or hiking (under 3,000 metres altitude)Yes
TickTubingYes
TickVolleyball - amateur and occasional onlyYes
TickWake boarding (no stunts)Yes
TickWater polo - amateur and occasional onlyYes
TickWaterskiing (no stunts)Yes
TickWindsurfingYes
TickYachting - not racing and sailing inside territorial watersYes
TickZip liningYes
TickZorbingYes
TickBig foot SkiingNo, you must purchase winter sports cover
TickCat skiingNo, you must purchase winter sports cover
TickCross country skiingNo, you must purchase winter sports cover
TickGlacier skiingNo, you must purchase winter sports cover
TickHeli-skiingNo, you must purchase winter sports cover
TickIce Hockey (not competitive)No, you must purchase winter sports cover
TickIce SkatingNo, you must purchase winter sports cover
TickLugeing -iceNo, you must purchase winter sports cover
TickMono skiingNo, you must purchase winter sports cover
TickOff-piste skiing - with professional snow sport instructor/guideNo, you must purchase winter sports cover
TickRecreational ski racing (not training for, or participating in a competition)No, you must purchase winter sports cover
TickSkiing (recreational only)No, you must purchase winter sports cover
TickSnowmobilingNo, you must purchase winter sports cover
TickTobogganingNo, you must purchase winter sports cover
TIDAcrobaticsYes
TIDActivities in Antarctica, the Arctic Circle and Greenland. The Snow option may be required. Also, refer below for specific activities you’ll be undertakingYes
TIDAerial safari (as a passenger in a licenced aircraft operated by an airline or charter company or in a hot air balloon)Yes
TIDAerobicsYes
TIDAFLYes
TIDAmerican football (Gridiron)Yes
TIDAthleticsYes
TIDBanana boat ridesYes
TIDBaseballYes
TIDBasketballYes
TIDBiking/cyclingYes
TIDBlackwater rafting, cave tubingYes
TIDBoating, sailingYes
TIDBowling (lawn, ten pin, you name it!)Yes
TIDBungee jumpingYes
TIDCamel riding for a day or if you are on a camel trekYes
TIDCanoeingYes
TIDCanyon swingYes
TIDCricketYes
TIDDancing – ballroom, salsa, Capoeira, ballet, contemporary, jazz, hip hop...Yes
TIDDirt boardingYes
TIDDragon boatingYes
TIDDune buggyYes
TIDElephant riding for an hour, a day or overnight/sYes
TIDFencingYes
TIDFishing (deep sea, angling, fly fishing, on a river, boat, or standing in a lake; but excluding ice fishing)Yes
TIDFly by wireYes
TIDFootballYes
TIDGo kartingYes
TIDGolfYes
TIDGym - including weights, Pilates, aqua aerobics, yogaYes
TIDGymnasticsYes
TIDHiking or trekkingYes
TIDHockey – field or indoor (excluding ice hockey)Yes
TIDHorse riding – leisure, on a tour with a licenced tour operator, non-competitiveYes
TIDHot air ballooningYes
TIDHuntingYes
TIDIce skating – indoor and outdoor rinksYes
TIDJet boatingYes
TIDJet skiingYes
TIDKayaking - white water, sea, river, lakeYes
TIDKite boardingYes
TIDKite surfingYes
TIDKite wingYes
TIDLand surfingYes
TIDMoped, scooter - Australian and local licence for operating this vehicle required; must be wearing a helmetYes
TIDMotor racing experience as a passenger onlyYes
TIDMotorcycle riding – as a passenger Must be wearing a helmet.Yes
TIDMotorcycle riding – touring, independent, organised tour, trail bike. Australian and local licence for operating this vehicle required. Must be wearing a helmet.Yes
TIDMountain bikingYes
TIDNetballYes
TIDObstacle course, assault courseYes
TIDOutrigger canoeingYes
TIDOutward Bound, Duke of EdinburghYes
TIDPaint ballYes
TIDParasailing over waterYes
TIDQuad bikingYes
TIDRacquetballYes
TIDRifle range/sports shootingYes
TIDRiver boarding/hydrospeedingYes
TIDRoller blading/inline skatingYes
TIDRoller skatingYes
TIDRowing/sculling, surf boat rowingYes
TIDRugby LeagueYes
TIDRugby UnionYes
TIDRunning or jogging, including half-marathon or less, marathon and ultra-marathon distancesYes
TIDSafari toursYes
TIDSail boarding/wind surfingYes
TIDSailingYes
TIDSandboarding/sandskiingYes
TIDScuba diving, when an open water diving licence is held; diving with a licensed instructorYes
TIDSegway toursYes
TIDShark cage divingYes
TIDSkateboardingYes
TIDSnorkellingYes
TIDSoccerYes
TIDSoftballYes
TIDSpearfishingYes
TIDSpeed boatingYes
TIDSquashYes
TIDStand-up paddle surfing/paddle boardingYes
TIDSurfingYes
TIDSwimmingYes
TIDSwimming with whales/whale sharksYes
TIDTennisYes
TIDTough MudderYes
TIDTuk Tuk as a passenger (excludes Tuk Tuk racing)Yes
TIDVolleyballYes
TIDWakeboardingYes
TIDWater poloYes
TIDWater skiingYes
TIDWhite water raftingYes
TIDWindsurfingYes
TIDWorking or volunteeringYes
TIDYogaYes
TIDZip lineYes
TIDZorbingYes
TIDSkiing onpiste and off-pisteNo, you need to purchase the Snow Sports and Activities Option
TIDBackcountry snow skiingNo, you need to purchase the Snow Sports and Activities Option
TIDCross country skiing on marked trailsNo, you need to purchase the Snow Sports and Activities Option
TIDSnowmobilesNo, you need to purchase the Snow Sports and Activities Option
TIDIce/glacier walking (up to 3,000 metres)No, you need to purchase the Snow Sports and Activities Option
TIDSnowboarding onpiste and off-pisteNo, you need to purchase the Snow Sports and Activities Option
TIDBackcountry snowboardingNo, you need to purchase the Snow Sports and Activities Option
TIDHeli-skiingNo, you need to purchase the Snow Sports and Activities Option
TIDCat skiingNo, you need to purchase the Snow Sports and Activities Option
TIDTobogganing (on-piste)No, you need to purchase the Snow Sports and Activities Option
TIDSleigh ridingNo, you need to purchase the Snow Sports and Activities Option
TIDDog sleddingNo, you need to purchase the Snow Sports and Activities Option
Travel InsuranzAbseiling (see note 1 below)Yes
Travel InsuranzAnglingYes
Travel InsuranzArcheryYes
Travel InsuranzAthleticsYes
Travel InsuranzAussie RulesYes
Travel InsuranzBadmintonYes
Travel InsuranzBamboo RaftingYes
Travel InsuranzBanana BoatingYes
Travel InsuranzBaseballYes
Travel InsuranzBasketball (not collegiate)Yes
Travel InsuranzBeach volley ballYes
Travel InsuranzBMX riding (no stunts / obstacles)Yes
Travel InsuranzBoardsailing / WindsurfingYes
Travel InsuranzBowlingYes
Travel InsuranzBowlsYes
Travel InsuranzBridge SwingingYes
Travel InsuranzBungee Jumping (max 2 jumps per trip)Yes
Travel InsuranzBushwalkingYes
Travel InsuranzCamel RidingYes
Travel InsuranzCanoeingYes
Travel InsuranzCanyoning (see note 1 below)Yes
Travel InsuranzCatamaran Sailing (within territorial waters)Yes
Travel InsuranzClay Pigeon ShootingYes
Travel InsuranzClimbing (indoor)Yes
Travel InsuranzCricketYes
Travel InsuranzCross Country RunningYes
Travel InsuranzCurlingYes
Travel InsuranzCyclingYes
Travel InsuranzDeep Sea FishingYes
Travel InsuranzDinghy SailingYes
Travel InsuranzDog SleddingYes
Travel InsuranzDragon boat racing (including international competition)Yes
Travel InsuranzDry Slope Skiing/BoardingYes
Travel InsuranzElephant Trekking / RidingYes
Travel InsuranzFell RunningYes
Travel InsuranzFell WalkingYes
Travel InsuranzFencingYes
Travel InsuranzFishingYes
Travel InsuranzFivesYes
Travel InsuranzFloorballYes
Travel InsuranzGaelic FootballYes
Travel InsuranzGo-KartingYes
Travel InsuranzGolfYes
Travel InsuranzGymnasticsYes
Travel InsuranzHandballYes
Travel InsuranzHockeyYes
Travel InsuranzHorse Riding (excluding racing, jumping or competing)Yes
Travel InsuranzHot Air Ballooning (see note 1 below)Yes
Travel InsuranzHurlingYes
Travel InsuranzIce Skating excluding Speed SkatingYes
Travel InsuranzInline SkatingYes
Travel InsuranzJet BoatingYes
Travel InsuranzJet SkiingYes
Travel InsuranzJoggingYes
Travel InsuranzKayaking (up to grade 3 rivers )Yes
Travel InsuranzKendoYes
Travel InsuranzLacrosseYes
Travel InsuranzMartial Arts not involving intentional bodily contactYes
Travel InsuranzModern PentathlonYes
Travel InsuranzMountain Biking (recreational only. No cover for competitive or non-competitive downhill mountain biking)Yes
Travel InsuranzNetballYes
Travel InsuranzOrienteeringYes
Travel InsuranzOutriggingYes
Travel InsuranzOverland TripsYes
Travel InsuranzPaintballing (see note 1 below)Yes
Travel InsuranzParachute Jumping - Static line - (see note 1 below)Yes
Travel InsuranzParagliding (see note 1 below)Yes
Travel InsuranzParapenting (see note 1 below)Yes
Travel InsuranzParasailing (see note 1 below)Yes
Travel InsuranzParascending (see note 1 below)Yes
Travel InsuranzPistol ShootingYes
Travel InsuranzPony TrekkingYes
Travel InsuranzQuad Biking ( see note 1 below)Yes
Travel InsuranzRacketballYes
Travel InsuranzRacketsYes
Travel InsuranzRamblingYes
Travel InsuranzRap Jumping (see note 1 below)Yes
Travel InsuranzReenacting (excludes use of live ammunition)Yes
Travel InsuranzRifle ShootingYes
Travel InsuranzRingosYes
Travel InsuranzRoller BladingYes
Travel InsuranzRoller HockeyYes
Travel InsuranzRoundersYes
Travel InsuranzRowingYes
Travel InsuranzRunningYes
Travel InsuranzSafari trekking (see note 1 below)Yes
Travel InsuranzSail BoardingYes
Travel InsuranzSailing / Yachting - recreational within territorial watersYes
Travel InsuranzSand Dune surfing / skiingYes
Travel InsuranzScramblingYes
Travel InsuranzScuba Diving (up to 10m depth - see general exclusions)Yes
Travel InsuranzSea CanoeingYes
Travel InsuranzSea KayakingYes
Travel InsuranzShark Diving - in cage - (see note 1 below)Yes
Travel InsuranzShintyYes
Travel InsuranzShootingYes
Travel InsuranzSkate BoardingYes
Travel InsuranzSkiingNo, you need to purchase snow sports cover
Travel InsuranzSky Diving - Tandem (see note 1 below)Yes
Travel InsuranzSnorkelingYes
Travel InsuranzSnowboardingNo, you need to purchase snow sports cover
Travel InsuranzSoccerYes
Travel InsuranzSoftballYes
Travel InsuranzSquashYes
Travel InsuranzStreet HockeyYes
Travel InsuranzSummer TobogganingYes
Travel InsuranzSurfingYes
Travel InsuranzSwimmingYes
Travel InsuranzTable TennisYes
Travel InsuranzTennisYes
Travel InsuranzTobogganingYes
Travel InsuranzTouch footballYes
Travel InsuranzTrampingYes
Travel InsuranzTrampoliningYes
Travel InsuranzTrekking (up to 4,000 m without ropes, picks or other specialist climbing equipment - see note 3 below)Yes
Travel InsuranzTriathlonYes
Travel InsuranzTug-of-WarYes
Travel InsuranzVia Ferrata (using established routes and fixed apparatus)Yes
Travel InsuranzVolleyballYes
Travel InsuranzWakeboardingYes
Travel InsuranzWalkingYes
Travel InsuranzWar GamesYes
Travel InsuranzWater PoloYes
Travel InsuranzWater SkiingYes
Travel InsuranzWhite Water Canoeing / Rafting (up to Grade 4)Yes
Travel InsuranzWindsurfingYes
Travel InsuranzZorbingYes
VirginAbseilingNo, you must purchase the Adventure Pack
VirginAnimal conservation and handling (under appropriate supervision)No, you must purchase the Adventure Pack
VirginBattle re-enactment (but not with firearms)No, you must purchase the Adventure Pack
VirginCave/river tubingNo, you must purchase the Adventure Pack
VirginCaving/potholingNo, you must purchase the Adventure Pack
VirginContact sports (including any form of rugby, Australian Rules football or American football)No, you must purchase the Adventure Pack
VirginDeep sea fishingNo, you must purchase the Adventure Pack
VirginDiving underwater using an artificial breathing apparatus at a depth no greater than 30 metres (you must hold an open water diving licence recognised in Australia or dive under licensed instruction)No, you must purchase the Adventure Pack
VirginExpeditions to or on the Kokoda Track/TrailNo, you must purchase the Adventure Pack
VirginFlying fox/zip liningNo, you must purchase the Adventure Pack
VirginHiking, trekking or tramping, peaking at altitudes from 3,000 metres up to 6,000 metres, where specialist climbing equipment is not requiredNo, you must purchase the Adventure Pack
VirginMartial arts (but not training)No, you must purchase the Adventure Pack
VirginOutdoor rock climbing (with ropes and appropriate safety gear)No, you must purchase the Adventure Pack
VirginQuad biking (but only single rider)No, you must purchase the Adventure Pack
VirginSailing from 11 to 15 nautical miles off any land massNo, you must purchase the Adventure Pack
VirginShooting (but only moving target, e.g. clay pigeon)No, you must purchase the Adventure Pack
VirginSurface water activities in rivers or rapids graded IV or V under the International Scale of River DifficultyNo, you must purchase the Adventure Pack
VirginTandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (but you must be in tandem with a licensed instructor for all these activities) andNo, you must purchase the Adventure Pack
VirginUse of motorcycles with engine capacities greater than 250 cc.No, you must purchase the Adventure Pack
VirginSkiingNo, you must purchase the Snow Pack
VirginSnowboardingNo, you must purchase the Snow Pack
VirginTobogganingNo, you must purchase the Snow Pack
VirginAqua zorbingYes
VirginArcheryYes
VirginBicycling (but not bicycle motorcross (BMX) or downhill mountain biking)Yes
VirginBungee jumping or canyon swingingYes
VirginCamel, donkey or elephant riding (under appropriate supervision)Yes
VirginDancingYes
VirginDiving underwater using an artificial breathing apparatus at a depth no greater than 10 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities)Yes
VirginDog sleddingYes
VirginFishing (on land or within 2 nautical miles of a land mass)Yes
VirginGo-kartingYes
VirginGolfYes
VirginGym activities (but not powerlifting)Yes
VirginGymnastics (but not competitions)Yes
VirginHorse riding (but not competitions, equestrian events, steeple chasing, jumping, or polo)Yes
VirginIce skating on a rink (but not including competitive skating, racing, speed skating, and tour skating)Yes
VirginIndoor rock climbing (under appropriate supervision)Yes
VirginLeisure activities (meaning any activities involving minimal physical exertion that is undertaken for relaxation or pleasure.Yes
VirginOrienteeringYes
VirginPaintball (with eye protection)Yes
VirginRacing on foot for distances up to and including full marathon (42.2 kilometres or 26.2 miles)Yes
VirginRacquet and ball sports not involving physical contactYes
VirginRegulated or licensed ballooningYes
VirginSafari (under appropriate supervision) but not huntingYes
VirginSailing up to 10 nautical miles off any land massYes
VirginShark cage diving (subject to diving restrictions listed above)Yes
VirginShooting (fixed target only)Yes
VirginSkateboarding, roller skating, inline skating (but not including vert skating or acrobatics)Yes
VirginSnorkellingYes
VirginSoccerYes
VirginSurface water activities (other than sailing) up to 2 nautical miles off any land massYes
VirginSurface water activities in rivers or rapids graded I, II or III under the International Scale of River Difficulty, or lakes or canalsYes
VirginTrack and field athleticsYes
VirginWalking, hiking, trekking or tramping, peaking at altitudes up to 3,000 metres where specialist climbing equipment is not required (but not expeditions to or on the Kokoda Track/Trail).Yes
WebjetAqua zorbingYes
WebjetArcheryYes
WebjetBicycling (but not bicycle motorcross (BMX) or downhill mountain biking)Yes
WebjetBungee jumping or canyon swingingYes
WebjetCamel, donkey or elephant riding (under appropriate supervision)Yes
WebjetDancingYes
WebjetDiving underwater using an artificial breathing apparatus at a depth no greater than 10 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities)Yes
WebjetDog sleddingYes
WebjetFishing (on land or within 2 nautical miles of a land mass)Yes
WebjetGo-kartingYes
WebjetGolfYes
WebjetGym activities (but not powerlifting)Yes
WebjetGymnastics (but not competitions)Yes
WebjetHorse riding (but not competitions, equestrian events, steeple chasing, jumping, or polo)Yes
WebjetIce skating on a rink (but not including competitive skating, racing, speed skating, and tour skating)Yes
WebjetIndoor rock climbing (under appropriate supervision)Yes
WebjetLeisure activities (meaning any activities involving minimal physical exertion that is undertaken for relaxation or pleasure.Yes
WebjetOrienteeringYes
WebjetPaintball (with eye protection)Yes
WebjetRacing on foot for distances up to and including full marathon (42.2 kilometres or 26.2 miles)Yes
WebjetRacquet and ball sports not involving physical contactYes
WebjetRegulated or licensed ballooningYes
WebjetSafari (under appropriate supervision) but not huntingYes
WebjetSailing up to 10 nautical miles off any land massYes
WebjetShark cage diving (subject to diving restrictions listed above)Yes
WebjetShooting (fixed target only)Yes
WebjetSkateboarding, roller skating, inline skating (but not including vert skating or acrobatics)Yes
WebjetSnorkellingYes
WebjetSoccerYes
WebjetSurface water activities (other than sailing) up to 2 nautical miles off any land massYes
WebjetSurface water activities in rivers or rapids graded I, II or III under the International Scale of River Difficulty, or lakes or canalsYes
WebjetTrack and field athleticsYes
WebjetWalking, hiking, trekking or tramping, peaking at altitudes up to 3,000 metres where specialist climbing equipment is not required (but not expeditions to or on the Kokoda Track/Trail).Yes
WebjetCaving/potholingNo, you must purchase the adventure pack
WebjetAbseilingNo, you must purchase the adventure pack
WebjetAnimal conservation and handling (under appropriate supervision)No, you must purchase the adventure pack
WebjetBattle re-enactment (but not with firearms)No, you must purchase the adventure pack
WebjetCave/river tubingNo, you must purchase the adventure pack
WebjetContact sports (including any form of rugby, Australian Rules football or American football)No, you must purchase the adventure pack
WebjetDeep sea fishingNo, you must purchase the adventure pack
WebjetDiving underwater using an artificial breathing apparatus at a depth no greater than 30 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities)No, you must purchase the adventure pack
WebjetExpeditions to or on the Kokoda Track/TrailNo, you must purchase the adventure pack
WebjetFlying fox/zip liningNo, you must purchase the adventure pack
WebjetHiking, trekking or tramping, peaking at altitudes from 3,000 metres up to 6,000 metres, where specialist climbing equipment is not requiredNo, you must purchase the adventure pack
WebjetMartial arts (but not training)No, you must purchase the adventure pack
WebjetOutdoor rock climbing (with ropes and appropriate safety gear)No, you must purchase the adventure pack
WebjetQuad bike riding (but only single rider)No, you must purchase the adventure pack
WebjetSailing from 11 to 15 nautical miles off any land massNo, you must purchase the adventure pack
WebjetShooting (but only moving target, e.g. clay pigeon)No, you must purchase the adventure pack
WebjetSurface water activities in rivers or rapids graded IV or V under the International Scale of River DifficultyNo, you must purchase the adventure pack
WebjetTandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (but you must be in tandem with an instructor licensed for these activities)No, you must purchase the adventure pack
WebjetUse of motorcycles with engine capacities greater than 250 ccNo, you must purchase the Adventure Pack
WebjetSkiingNo, you must purchase the Snow Pack
WebjetSnowboardingNo, you must purchase the Snow Pack
WebjetTobogganingNo, you must purchase the Snow Pack
WoolworthsRecreational cyclingRecreational skiing and snowboarding
WoolworthsBig foot skiing and snowboardingNo, you must have purchased the Winter Sports benefit
WoolworthsCat skiing and snowboardingNo, you must have purchased the Winter Sports benefit
WoolworthsCross-country skiing and snowboarding (along a designated cross country ski route only)No, you must have purchased the Winter Sports benefit
WoolworthsGlacier skiing and snowboardingNo, you must have purchased the Winter Sports benefit
WoolworthsHeli-skiing and snowboarding (provided by a commercial operator and available to the general public only)No, you must have purchased the Winter Sports benefit
WoolworthsIce hockey (not competitive)No, you must have purchased the Winter Sports benefit
WoolworthsIce skatingNo, you must have purchased the Winter Sports benefit
WoolworthsLugeing (on ice) (provided by a commercial operator and available to the general public only)No, you must have purchased the Winter Sports benefit
WoolworthsOff-piste skiing or snowboarding with a professional snow sport instructor/guideNo, you must have purchased the Winter Sports benefit
WoolworthsSnowmobilingNo, you must have purchased the Winter Sports benefit
WoolworthsTobogganingNo, you must have purchased the Winter Sports benefit
WoolworthsMono skiingNo, you must have purchased the Winter Sports benefit
WorldcareAqua zorbingYes
WorldcareArcheryYes
WorldcareBicycling (but not bicycle motorcross (BMX) or downhill mountain biking)Yes
WorldcareBungee jumping or canyon swingingYes
WorldcareCamel, donkey or elephant riding (under appropriate supervision)Yes
WorldcareDancingYes
WorldcareDiving underwater using an artificial breathing apparatus at a depth no greater than 10 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities)Yes
WorldcareDog sleddingYes
WorldcareFishing (on land or within 2 nautical miles of a land mass)Yes
WorldcareFor example, sight-seeing, picnics, photography and museum or art gallery visits)Yes
WorldcareGo-kartingYes
WorldcareGolfYes
WorldcareGym activities (but not powerlifting)Yes
WorldcareGymnastics (but not competitions)Yes
WorldcareHorse riding (but not competitions, equestrian events, steeple chasing, jumping, or polo)Yes
WorldcareIce skating on a rink (but not including competitive skating, racing, speed skating, and tour skating)Yes
WorldcareIndoor rock climbing (under appropriate supervision)Yes
WorldcareLeisure activities (meaning any activities involving minimal physical exertion that is undertaken for relaxation or pleasure.Yes
WorldcareMotorcycle, scooter or moped riding (restrictions apply - refer to General Exclusion A.12)Yes
WorldcareOrienteeringYes
WorldcarePaintball (with eye protection)Yes
WorldcareRacing on foot for distances up to and including full marathon (42.2 kilometres or 26.2 miles)Yes
WorldcareRacquet and ball sports not involving physical contactYes
WorldcareRiver cruisingYes
WorldcareRegulated or licensed ballooningYes
WorldcareSafari (under appropriate supervision) but not huntingYes
WorldcareSailing up to 10 nautical miles off any land massYes
WorldcareShark cage diving (subject to diving restrictions listed above)Yes
WorldcareShooting (fixed target only)Yes
WorldcareSkateboarding, roller skating, inline skating (but not including vert skating or acrobatics)Yes
WorldcareSnorkellingYes
WorldcareSoccerYes
WorldcareSurface water activities (other than sailing) up to 2 nautical miles off any land massYes
WorldcareSurface water activities in rivers or rapids graded I, II or III under the International Scale of River Difficulty, or lakes or canalsYes
WorldcareTrack and field athleticsYes
WorldcareWalking, hiking, trekking or tramping, peaking at altitudes up to 3,000 metres where specialist climbing equipment is not required (but not expeditions to or on the Kokoda Track/Trail).Yes
WorldcareSkiingNo, you must purchase the Snow Pack
WorldcareSnowboardingNo, you must purchase the Snow Pack
WorldcareSleddingNo, you must purchase the Snow Pack
WorldcareTobogganingNo, you must purchase the Snow Pack
WorldcareTubingNo, you must purchase the Snow Pack
YougoAbseilingYes
YougoArcheryYes
YougoBallooningYes
YougoBungy jumpingYes
YougoFlying foxYes
YougoHorse ridingYes
YougoJet boatingYes
YougoJet skiingYes
YougoKayakingYes
YougoParaglidingYes
YougoParasailingYes
YougoSkydivingYes
YougoSnorkellingYes
YougoWhite water raftingYes
YougoSnow skiingNo, you must pay an extra premium
YougoSnowmobilingNo, you must pay an extra premium
YougoSnowboardingNo, you must pay an extra premium

Picture: Shutterstock

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2 Responses

  1. Default Gravatar
    CraigDecember 15, 2016

    Can i get medical cover for my son who is travelling to europe to trial at a soccer club

    • Staff
      MauriceDecember 15, 2016Staff

      Hi Craig,

      Generally, Australian travel insurance brands will not cover emergency medical expenses for sports participation in a professional or paid capacity. Amateur level participation is fine. If you have found a policy but are unsure of how your son will be covered in his circumstances, it’s a good idea to get in touch with the insurer directly.

      Good luck,

      Maurice

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