Travel insurance for skydiving

Common travel insurance conditions related to 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 usually will not cover a skydiving accident: most of the brands in the table below cover skydiving only if you buy an adventure sports add-on, and only a few cover it automatically. Some insurers like InsureandGo offer adventure or backpacker packages with optional extras to cover high-risk activities (with an excess amount payable).

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Which travel insurance brands cover skydiving?

Brand	Condition	Apply
	Skydiving is covered under the Adventure Activities Trip Extra option	Get quote
	Tandem skydiving is covered under the Adventure & Sports Pack option	Get quote
	Tandem skydiving is covered under the Adventure Pack option	Get quote
	Tandem skydiving is automatically covered (licensed operator, not in the USA or Canada)	Get quote
	Tandem skydiving is automatically covered (licensed operator, not in the USA or Canada)	Get quote
	Skydiving is covered under the Adventure+ option	Get quote
	Tandem skydiving is automatically covered (licensed operator, not in the USA or Canada)	More info
	Skydiving is covered under the Adventure Pack option	Get quote
	Automatically covered	Get quote

^{Note: This information was last updated October 2026}

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.

Our expert says

"Don’t presume skydiving is included in your travel insurance. Make sure to check that any adventure activities are included before you head out. If skydiving at home, domestic travel insurance may be available to cover you."

Graham Cooke

Head of Consumer Research

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:

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.

Frequently asked questions

• Are there any age or health restrictions for skydiving travel insurance?

  Yes, insurers often have age limits for high risk activities like skydiving. You may also need to meet certain health criteria or disclose pre-existing medical conditions which could affect your cover or premium. Always check the policy details carefully before purchasing.

• Does skydiving travel insurance cover solo jumps or lessons?

  Most travel insurance policies that cover skydiving are designed for tandem jumps with a licensed operator. Solo jumps, skydiving lessons or training are typically excluded or require a very specific, high level adventure sports add-on. You must check the product disclosure statement for exact cover limits and conditions.

• What if I am skydiving for a competition or professionally?

  Competitive or professional skydiving is usually excluded from standard adventure sports add-ons found in most travel insurance policies. If you plan to skydive as part of a competition or for professional purposes, you would typically need highly specialised insurance which is not usually offered through general travel insurance providers.

• Does travel insurance cover my skydiving equipment?

  Standard travel insurance may offer limited cover for personal baggage loss or damage. However, specialised skydiving equipment such as parachutes, altimeters and helmets is often excluded or has specific low limits for high value items. Check your policy's baggage section and exclusions carefully for details.

• Are there any height or altitude restrictions for skydiving cover?

  Some insurers may impose restrictions on the maximum altitude from which you can jump or other operational parameters for skydiving activities to be covered. These specific details are usually outlined in the product disclosure statement so always refer to this document.

• Can I get travel insurance for skydiving within Australia?

  Yes, some domestic travel insurance policies offer cover for skydiving activities within Australia. Similar to international policies, it often requires an adventure sports add-on and will come with specific conditions, such as being a tandem jump with a licensed and accredited operator.

• What are common exclusions for skydiving cover?

  Common exclusions for skydiving cover include jumps made against medical advice, non-tandem jumps, professional or competitive skydiving, jumps from unapproved operators or if you are under the influence of alcohol or drugs. Always read the product disclosure statement for a complete list of specific exclusions.

Written by

Cristal Dyer

Writer

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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 bio