Win $10k holiday! T&Cs apply
Win $10k holiday! T&Cs apply
Holidays are for relaxing, but they're also for doing. Whether it's cycling, surfing, or hiking, there are so many adventures to be had while you're away.
Being covered for certain activities means:
On this page, we'll tell you what you're covered for, what you're not covered for, and answer questions about activities and how to make sure you're protected on holiday.
Being covered for a range of activities is possible with a:
Find out more details about your travel insurance options here.
The below is a guide to the sort of activities we automatically cover. Please note that these activities need to be recreational. If you're doing other activies or winter sports, you'll need to purchase an Adventure & Sports Pack and/or a Winter Sports Pack.
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*Requires purchase of Adventure & Sport Pack
Think about your fitness levels, and plan your activities accordingly. If you’ve got your heart set on scaling remote mountains, or going rock-climbing under the blazing sun, make sure it’s something you’re physically capable of. If you’re going on a holiday and you’ll be doing strenuous activity, keeping your fitness levels up before you go is good practice.
Make sure any courses/activity operators are certified or accredited by the appropriate body. For example, diving schools should be registered with the Professional Association of Diving Instructors (PADI), and bungee jumping operators should be trained in accordance with international safety standards.
Make sure to wear safety gear during activities. For example, never refuse to wear a helmet while cycling, or riding a scooter, and always listen to the recommendations of your instructor.
If you’re going to be doing activities in remote areas, it’s advisable that you’re covered for medical evacuation in case you get injured and need to be evacuated.
We cover many pre-existing medical conditions, but it’s really important that you let us know what your condition are, so we can let you know what you’ll be covered for and what you won’t.
You need to buy a Winter Sports Pack. Note: You can’t buy a Winter Sports Pack with a Medical-only policy.
Credit card travel policies often exclude activities such as skiing or watersports or other ‘adventure’ activities from cover. However, this is something you’ll need to check with your individual insurer, especially if you’re planning to take part in a lot of activities.
Scuba diving is covered if you have a PADI certificate, or you’re diving with someone who is a licensed instructor and you dive to a depth no deeper than 10 meters, no more than 10 nautical miles off any land mass. If you are diving to a depth of 10-30 meters, up to 15 nautical miles off a land mass you will need to buy an Adventure & Sports Pack to be covered. Read more about the PADI certification and find out how to make sure you’re diving with a licensed instructor.
If you are only partaking in one of our automatically covered activities, you don't need to do anything. If you’re taking part in any of the other activities listed you need to add the Adventure & Sports Pack to your policy, or if you're partaking in winter sports, you have to add the Winter Sports Pack to your policy.
Exclusions do apply, so check the PDS for details.
We’d love to help you out with any activities that you’re undertaking - but some activities are just simply too dangerous for us to take the risk of being your insurer. If you’re about to go away and you’re not sure whether we cover a particular activity, then please contact us so we can help you.
As long as you’re bungee jumping with an accredited instructor and you follow all instructions regarding safety equipment, then you’ll be covered.
Generally, you’ll be covered, but there are certain conditions you have to meet. If you’re the person riding the moped/scooter/motorcycle, then you’ll need an Australian motorcycle or drivers license. If you’re a passenger travelling on a moped/scooter/motorcycle, the person who is in control of the vehicle needs to hold a current motorcycle license valid for the country you are travelling in. You must wear a helmet.
You must be aged under 69 years to add the Adventure & Sport Pack and be covered for adventure activities. If you have any questions, please contact us, so we can help you.
You can still take part in the activities you have purchased cover for, but you’ll need to make sure you declare your pre-existing medical conditions. If something happens to you while you’re taking part in an activity and it’s because of your pre-existing medical condition, we might not be able to cover you.
Your premium won’t go up if you’re taking part in adventure activities that we automatically cover. If you need to add an Adventure & Sports Pack, or Winter Sports Pack to your policy, your premium will increase. However, you need to be aware of the exclusions that apply in regards to the adventure activities that we cover.
If you buy the Adventure & Sports Pack, you will be covered for certain extreme sports. Check the PDS for full details.
Yes, you can still get cover if you take part in an adventure/activity that’s excluded. But if you do take part in an excluded adventure/activity and something happens to you as a result of that particular activity, then you won’t be covered for anything that happens to you.
Check the PDS for full details.
A pre-existing medical condition is something that must be disclosed when you’re purchasing travel insurance. Find out what pre-ex conditions are and how they affect your travel insurance.
It’s important that you have all the right vaccinations before you travel. From malaria to meningococcal, find out what you need to know about vaccinations and travel insurance.
Repatriation is the process of returning a person home after a medical emergency or at worst case death. Being covered for repatriation is important so read the ins and outs.
If you have any other questions or queries, please send us a message via our Contact Us page.
If you are experiencing an emergency, please use the details on our Emergency Assistance page.
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