Here’s what our travel insurance with adventure activities cover offers you test

We cover what we say we will, so have a quick look at the tables below to see what’s covered, what‘s not and the cover limits.

You should also peek at the Policy Disclosure Statement (PDS) – it’s the source of truth when it comes to our limits, exclusions, and conditions. Yes, it might sound dull (it is a bit) but you need to read it to help you choose the best travel insurance including adventure sports for you and what you’ll be getting up to on your trip.

Read the big print: For any of you wannabe Stephanie Gilmores and Greg Normans out there, we’re sorry, but we only provide cover for the activities listed in the PDS if you’re doing them recreationally and in a non-professional capacity. You’re not meant to be working on holiday after all…

Standard: Activities covered by our base plans

We know lots of Aussies aren’t content with sitting on their tooshes on holiday, so we have automatic cover for more than 80 adventure activities – no matter which plan you choose! This means you can try more and stress less on your next holiday.

Activity name

Abseiling

Jet boating/power boating (as a passenger only)

Activity centre holidays

Jet skiing

Amateur sports (e.g. Baseball, basketball, football, rugby)

Kabaddi

Archaeological digging

Kite land boarding

Archery

Martial arts (no contact)

Assault course

Muay Thai (Thai boxing, training only)

Badminton

Mountain biking (not BMX or racing)

Bamboo boat rafting

Mountain boarding

Banana boating

Off road or 4WD driving (organised tour)

Battle re-enactment

Orienteering outward- bound pursuits

Beach games

Paint balling/war games

Boogie/body boarding

Paragliding/ parascending/parasailing (over water only)

Boxing (training only)

Quad biking (organised day tour)

Breathing observation bubble (BOB) (maximum depth 30 metres)

Racing (on foot) – up to marathon distance (not extreme/ultra-marathons)

Bridge walking (supervised by a fully trained guide)

Rambling

Bungee jumping

Rifle range (at a commercial range)

Camel or elephant riding or trekking

River tubing

Canoeing/kayaking/rafting (including white water grades 1-3 and sea inside territorial waters)

Roller blading/skating

Canyon/gorge swinging

Rounders

Canyoning (organised tours only)

Safari (organised tours)

Cave tubing (organised tours only)

Sail boarding

Clay pigeon shooting (at a commercial range)

Sailing within territorial waters

Cycling/cycle touring (leisure)

Sand boarding

Dinghy sailing inside territorial waters

Scuba diving – (up to 30 metres) if diving with a diving school or qualified instructor

Dragon boating (organised event or tour)

Skateboarding

Falconry

Sledging/tobogganing

Fell walking, hiking/trekking (under 2,000 metres)

Sleigh riding (reindeer, horses, or dogs)

Fencing

Snorkelling

Fishing (including deep sea fishing)

Stand-up paddle boarding

Glacier crossing/hiking (organised tours, using ropes and guides)

Summer tobogganing

Golf

Surfing

Gorge walking

Swimming with dolphins

Gymnastics

Tall ship/yachting crewing (commercial crewing ship with a maximum of 14 days)

Helicopter tours (as a passenger)

Target rifle shooting (at a commercial shooting range)

Hiking/rambling/trekking/walking (under 3,000 metres)

Tree canopy walking

Horse riding (not in competitions, no touring or playing polo, no hunting or jumping)

Weightlifting

Hot air ballooning – as a passenger (organised activity only)

Windsurfing

Husky dog sledding

Working-holiday visa: manual work (ground level, no powered machinery) and non-manual work

Ice fishing (organised day tour or as a resort activity)

Zip trekking/zip lining

Ice skating

Zorbing – on land or water only

Indoor climbing (commercial business)

Optional: Adventure Activities Cover

Want to do something that isn’t on the list of activities we automatically provide cover for? (i.e. Are you an action hero on holiday?)

Have a look at what our optional Adventure Activities Cover pack includes below, and then add it to your policy when getting a quote if it’s right for you and your high-octane holiday plans. If your planned activity isn’t on this list either, check out the table under the Adventure Activities+ tab.

Good to know: if you include our Adventure Activities Cover in your policy, you’ll have cover for all the activities listed below as well as the 80+ activities covered by our base plans. Lucky you!

Activity name

Black water canoeing/kayaking/rafting (grades 1-3)*

Pony/horse trekking*

Blow karting*

Quad biking*

Bouldering*

River boarding*

Cycle (cross continental) endurance cycling*

Outdoor Rock Climbing*

Dirt boarding

Rock scrambling*

Dune buggying

Rowing – outside coastal waters*

Golf Cover (own equipment)*

Sailing/yachting/motor cruising*

High diving*

Sand dune surfing/skiing

Hydrospeeding

Scuba diving*

Ice fishing

Speed sailing

Iron man

Speed skating

Lacrosse

Trekking (between 3,000 and 4,000 metres)*

Land skiing

Triathlon*

Land yachting*

Ultimate frisbee

Mud buggying*

Via ferrata*

Wadi bashing*

Wake boarding

Paddle boarding*

Water skiing

Paragliding/parascending/parasailing*

Wrestling

Optional: Adventure Activities+ Cover

Can’t find the activity you want to do in either the list of what’s included as standard or in the Adventure Activities Cover pack? (Are you an actual superhero who isn’t afraid of anything?!). Hopefully it's included in our Adventure Activities+ Cover listed below.

Found what you’re looking for? You can add our Adventure Activities+ Cover to your policy when getting a quote. Just stay safe out there, alright?

Before we forget: If you include our Adventure Activities+ Cover in your policy, you’ll have cover for all the activities listed below as well as those listed under the Adventure Activities Cover and the 80+ activities covered by our base plans. Yes, there’ll be no time for sitting still where you’re heading!

Activity name

Biathlon*

Mountain biking*

BMX stunt/obstacle/riding*

Overland expedition*

Bob sleighing*

Parachuting or skydiving*

Canoeing/kayaking/rafting (including black and white-water grades 4-5)

Polo playing*

Cascading*

Rock climbing*

Coasteering*

Roller derby

Gliding*

Scuba diving*

Horse jumping*

Trekking (between 4,000 and 6,000 metres)*

Hydro jetting

Trekking Everest base camp*

Ice climbing*

Trekking the Kokoda Track*

Ice hockey

Triathlon (with bonus pack cover)*

Micro lighting*

*Limits, sub-limits, conditions, and exclusions apply. Please read the PDS for all the details.