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Travel insurance for skydiving

Some travel insurers will cover skydiving. In most cases you will need to pay extra to get covered.

What you need to know

  • Even though skydiving is considered a high-risk extreme sport, some travel insurance policies provide cover for it.
  • Travel insurance can cover skydiving but you may need to purchase an adventure sports add-on.
  • You typically will only be covered for tandem skydiving.

Cover for a high-risk activity like skydiving comes with conditions, although the specifics will vary between insurers and policies. For example, your insurer may only cover you for tandem skydiving or for jumps with a licensed operator.

If you do plan on skydiving during your overseas holiday, it’s essential that the policy you choose covers medical assistance and hospitalisation costs in the event of an accident. A basic travel insurance policy will do this. Some insurers like InsureandGo offer adventure or backpacker packages with optional extras to cover high-risk activities (with an excess amount payable).

Which travel insurance brands cover skydiving?

Freely LogoSkydiving is covered under the Adventure Boost option
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Zoom logoSkydiving is covered under the Adventure Pack option
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Fast Cover LogoSkydiving is covered under the Adventure Pack option
Finder AwardBonus
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Insure4Less Travel Insurance LogoAutomatically covered
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Travel Insuranz Travel Insurance LogoAutomatically covered
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Covermore logoSkydiving is covered under the Adventure+ option
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Travel with Kit LogoSkydiving is covered under the Adventure Pack optionMore info
Travel with Jane LogoSkydiving is covered under the Adventure Pack optionMore info
Easy travel insurance logoAutomatically covered
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Australia PostAutomatically covered
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Note: This information was last updated September 2023

Finder survey: What type of holiday will Australians of different ages take in the next 12 months?

Response75+ yrs65-74 yrs55-64 yrs45-54 yrs35-44 yrs25-34 yrs18-24 yrs
Adventure trip4.65%4.97%7.6%7.25%7.87%6.31%14.29%
Source: Finder survey by Pure Profile of 1112 Australians, December 2023

Why do I need to tell my insurer about skydiving?

It’s imperative to let your insurer know that you’ll be engaging in a high-risk activity like skydiving.

As long as your claim falls within the travel insurance policy’s definition of what qualifies as “skydiving”, you should have no problem receiving compensation from your insurer. Be sure to read the product disclosure statement (PDS). If you can find the definition in the PDS, get in touch with the insurer for more information.

Will I pay more to be covered for skydiving?

This depends on the insurer and the policy. A plan that caters specifically for adventure travellers is likely to include high-risk activities on its list of automatically covered sports.

Sometimes, an adventure or backpacker policy will cover high-risk sports but not skydiving specifically, in which case you can usually get extra insurance for an additional premium.

Either way, skydiving is an extreme sport, so you need to check whether or not you’re covered in the event of an accident.

What to do if you’re injured overseas

  • Get in touch with your insurer immediately. A policy covering overseas travel comes with 24/7 emergency medical assistance and hospitalisation. If you need to make a claim, download the claims form and send it to your insurer.
  • Be thorough. When completing the claims form, be sure to include all the necessary information. Your insurer will not proceed with your claim if the form is incomplete. You might even be liable for a penalty fee for delaying the process.
  • Documents. Depending on the nature of your claim, you’ll be asked to submit evidence of your accident, loss or damage sustained. This could include doctor’s reports, police reports, statements from travel providers, proof of ownership, original receipts, travel tickets, luggage tags and itineraries.
  • Duty of disclosure. As is the case during the application process, you are expected to be forthright in your account of events when making a claim. Any attempt at defrauding the insurer will result in your claim being rejected and/or your policy being cancelled.

What is adventure travel insurance?

There are insurers out there that specialise in providing adventure travel insurance for those who are going overseas for the specific purpose of participating in dangerous activities such as skydiving, parasailing or paragliding.

You may be able to find cover for activities such as:

  • Backpacking
  • Biking
  • Black water rafting
  • Bungee jumping
  • Camping
  • Canoeing
  • Go-karting
  • Hiking
  • Ice fishing
  • Jet boating
  • Kayaking
  • Moped biking
  • Motorbike riding
  • Mountain bike riding
  • Parasailing
  • River rafting
  • Rock climbing (indoors)
  • Scuba diving
  • Skiing
  • Sleigh rides
  • Snowboarding
  • Surfing
  • Trekking
  • Water-rafting
  • Zorbing

Ready to get a quote for travel insurance?

Pop in your trip details and compare travel insurance quotes. When you’re happy with an insurer, get sent directly to them and add on your skydiving cover.

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Written by

Cristal Dyer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full profile

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