Sports and adventure travel insurance

From hiking to bungee jumping, adventure travel insurance covers you for the activities you love. 

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Sports and adventure travel insurance protects you for adventure sports and adrenaline-filled activities that most basic travel insurance policies exclude. If you're planning an adventure trip, be it hiking, camping, skiing or bungee jumping, adventure travel insurance can give you peace of mind and ensure nothing is holding you back.

Pop your details in to get your fun-filled trip protected.

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Why do I need adventure travel insurance?

A typical travel insurance policy can cover you for things like medical bills, cancellation costs and lost, damaged or stolen belongings. However, when it comes to extreme sports, a basic policy probably can't give you the protection you need.

An adventure or extreme sports travel insurance policy protects you from a whole lot more. In fact, what distinguishes adventure travel insurance from ordinary travel insurance is how many more sports and adrenaline-filled activities are included.

Adventure policies are tailored to the sports enthusiast, thrill-seeking traveller and adrenaline junkie, which basically means a policy won't exclude all the activities you want to do on your next trip. From hiking trips that involve abseiling, river rafting and camping, to once-in-a-lifetime experiences like skydiving and bungee jumping, an adventure travel insurance policy can give you peace of mind knowing you're protected should anything go wrong. A policy can even cover you for high altitude trekking.

Because most of these activities are far from hospitals and medical facilities, adventure sports travel insurance generally also comes with emergency evacuation cover. Emergency medical evacuation makes sure you're not seriously out of pocket if you require an ambulance, helicopter or medical aircraft to transport you to the nearest hospital.

Which adventure sports are typically covered?

Depending on your policy and provider you will be able to take out cover for activities including:

  • Abseiling
  • Backpacking
  • Biking
  • Black/white water rafting
  • Bungee jumping
  • Camping
  • Caving or potholing
  • Deep sea fishing
  • Hang gliding
  • Horse riding
  • Hot air ballooning
  • Kitesurfing
  • River rafting
  • Sea kayaking
  • Scuba diving
  • Skydiving
  • Wakeboarding or water skiing
  • Winter sports

If you plan on riding a moped or motorcycle you may need to take out additional cover as these are considered to be high-risk activities.

Is snowsports included?

Depending on the policy, snowsports is often included in an adventure travel insurance policy. However, if you're going on a trip specifically to ski or snowboard, consider getting ski insurance. Ski travel insurance can cover you for emergency evacuation, extreme weather conditions, lost or stolen equipment and more.

Is it possible to get travel insurance for sports teams?

Yes. There are a number of travel insurance brands that are able to organise group travel insurance for sports teams up to 40 people heading off on a domestic or overseas sports tour.

Usually, a representative of the group will need to fill out a group travel insurance application form from the insurer's website listing each of the group members, including details of any sports or hazardous activities the group will be participating in and any pre-existing medical conditions that different members of the group have.

After receiving the group's details, the insurance provider will review the information and provide you with a quote to cover the group.

Are there exclusions for sports and adventure travel insurance?

Always check your product disclosure statement (PDS) for specific exclusions. Common exclusions on sports and adventure travel insurance policies can include:

  • Base jumping
  • Hang gliding
  • Hunting
  • Mountaineering/abseiling
  • Professional and contact sport
  • Ski acrobatics
  • Wingsuit gliding
  • Parkour
  • Rodeos

By shopping around, you'll be able to find adventure travel insurance policies that cover you for some of these activities.

Keep in mind that even if your policy says you're covered for a specific activity, there are some incidents in which you won't be covered. These include:

  • Failure to take reasonable care. If you're injured in a situation where you weren't taking reasonable care, you won't be covered. For example, if you weren't wearing a helmet when riding a motorcycle, your claim might be rejected.
  • Intoxication. You won't be covered for any injuries sustained while under the influence of alcohol or illicit drugs.
  • Pre-existing medical conditions. Insurers might restrict your ability to claim depending on pre-existing medical conditions you have. Before signing up for a policy, check to see if you're covered for specific activities.

More adventure travel insurance tips

Other factors to consider before you choose a policy and go off on your trip include:

  • Use Smartraveller. You can register your trip with Smartraveller so that the Department of Foreign Affairs and Trade (DFAT) has your travel details and information in case of an emergency.
  • Check the weather forecast. Keep up to date with the weather if your adventure holiday involves a lot of outdoor activities. That way, you can avoid being out in the wilderness during a storm.
  • Scan all of your insurance documents. Do this before you go and keep an electronic copy in a convenient place. Also, make sure you have the contact details for your insurer with you at all times to easily get in contact with it.
  • Let friends and family know your itinerary. It's a good idea to let someone know when you'll be checking in with them so that they will become aware if something goes wrong.

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12 Responses

  1. Default Gravatar
    KenJune 1, 2018

    Our son is travelling to and competing in extreme Barcelona in Barcelona Spain on 16/17th June 18 as a pro scooter ride.

    As there is prize money involved for podium finishers, we are looking for insurers that may offer cover for this event.

    ASA or Australian Scooter Association have been remarkably unable to assist.

    We look forward to hearing from you.

    Regards

    • Avatarfinder Customer Care
      NikkiJune 1, 2018Staff

      Hi Ken,

      Thanks for leaving a question on our page.

      While we can provide you with general information, please note that we’re a product comparison website and we do not represent any company we feature on our site. We’re here to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.

      This page will give you a list of insurance companies.
      This 3 providers cover scooter riding, Online Travel Insurance, TID, and World Care.

      Hope this helps. For any clarifications, feel free to message us again.

      Regards,
      Nikki

  2. Default Gravatar
    AngeJuly 15, 2017

    I typed in sporting insurance recommendations and nothing relating to sport is popping up in the search, it is all just average insurance, could you please send me a few companies that cover thaiboxing competitions?

    thank you

    • Default Gravatar
      DanielleJuly 16, 2017

      Hi Ange,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      You may refer to this page for options that may suit your needs.

      I hope this helps.

      Cheers,
      Danielle

  3. Default Gravatar
    markJuly 10, 2017

    looking for triathlon cover in china

    • Default Gravatar
      DanielleJuly 11, 2017

      Hi Mark,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      You may refer to this page for options that may suit your needs. You may input the activity on the table and a customized list of options will populate.

      I hope this helps.

      Cheers,
      Danielle

  4. Default Gravatar
    HelenMarch 8, 2017

    Does anyone insure me if I can’t actually participate in the event I’m travelling to because I’m injured before I leave Australia – but I’m still ok to travel?

    • Avatarfinder Customer Care
      ZubairMarch 9, 2017Staff

      Hi Helen,

      Thank you for your question. finder.com.au is a comparison service and we are not permitted to provide personalised financial or product advice.

      Terms and conditions vary between travel insurance brands when it comes to travel insurance for pre-existing medical conditions. However, in most cases, you will be covered for costs incurred as a result of a pre-existing condition unless your condition has been approved by the travel insurance brand prior to travel.

      Cheers,
      Zubair

  5. Default Gravatar
    SimonMay 19, 2016

    Hi, do you know of any companies that cover for martial arts competition?

    • Avatarfinder Customer Care
      RichardMay 20, 2016Staff

      Hi Simon,

      Thanks for your question. finder.com.au is a comparison service and we are not permitted to make product recommendations. According to the InsureandGo website they can:
      “Provide extra cover for more extreme activities like martial arts training.”
      This may mean they could possible offer cover for competitions.

      I hope this was helpful,
      Richard

  6. Default Gravatar
    SonikJune 21, 2015

    I’m looking for travel insurance that covers BASE jumping. Anyone have any leads?

    • Avatarfinder Customer Care
      RichardJune 22, 2015Staff

      Hi Sonik,

      Thanks for your question. Unfortunately I am unaware of any providers that are willing to include cover for BASE jumping.

      Cheers,
      Richard

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