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Adventure Sports Travel Insurance Cover FAQs

Are adventure activities or extreme sports planned for your next trip? You may have some questions about our policies and cover, and we're here to help answer them. For more information, check out our adventure sports travel insurance page.

Do I have to buy a specific policy for adventure sports cover?

No. Our policies automatically cover a range of adventure activities. You do not need to buy a specific policy for this cover to apply. If your planned activity is not listed on our website or in the Policy Wording, we may be able to cover it. Give us a call on (0800) 500 225 to check. If you want cover for skiing or snowboarding, you can vary your policy to include snow sports for an additional cost.

What adventure sports am I covered for?

There is a good chance the activities you love are included in your Cover-More policy. We automatically cover a wide range of activities including white water rafting, paragliding, bungee jumping, and more! You need to ensure reasonable care is taken and all protective equipment is worn.

We do not automatically cover snow sports. However, you have the option to include it in your policy for an additional cost. Even when you pay the additional premium, you still need to meet the conditions outlined in the Policy Wording.

Am I covered for adventure sports in New Zealand?

Yes. Our domestic travel insurance plans automatically cover a variety of adventure sports. If the activity you plan on doing is not listed on our website or in the Policy Wording, we may be able to cover it. Contact us on (0800) 500 225 to check. If you want cover for skiing and snowboarding, you can vary your policy to include snow sports for an additional cost.

If you're planning to travel within New Zealand, you can insure your sports equipment up to $500. You may be able to increase the item limit for an additional cost. Coverage does not apply to the item when you are using it.

Is my sports equipment covered?

Yes. We can cover your sports equipment but only when it is not in use. Travel insurance can protect items if they get lost, stolen or damaged while you’re travelling. Our Options International Plan provides cover up to $1,500 for equipment. Our Domestic Plan has cover up to $500. If you’re taking expensive gear on your trip, consider increasing the luggage item limit for an additional cost. Keep in mind that you must be able to provide receipts or valuations less than 12 months old if requested.

What is my excess?

Every traveller has a different budget so select the excess amount you feel comfortable with. Remember that the higher the excess, the lower the premium. You can choose an excess amount from either $0, $100, or $250 for an international policy. A set excess of $25 applies to our domestic plans. An excess is the first amount of a claim we will not pay and is applied to each claimable event.

Can I get cover if I am competing overseas?

We cannot provide cover while you are participating in sports in a professional capacity. However, we can offer policy benefits that are unrelated to you competing. This includes cover for incidents like travel delay and lost luggage.

Can I get cover for snow sports?

Yes. You can be protected for snow sports as long as you’ve included this cover option in your policy. Keep in mind an additional premium will apply. Including Snow Sports Cover in your policy provides protection for skiing, snowboarding, and snowmobiling. Remember that you must be on-piste, not racing and not competing in a professional capacity. You do not need to take out Snow Sports Cover for snow tubing, sledding, sleigh riding, or ice-skating. Have a read of our snow sports cover page for more information.

Am I covered when riding a motorcycle/moped?

You can only be covered for riding a motorcycle or moped if:

  • You are driving the motorcycle/moped and you hold a valid New Zealand motorcycle licence or New Zealand motor vehicle driver's licence;
  • You are driving the motorcycle/moped and you hold a licence valid in the relevant country;
  • You are a pillion passenger, and the driver holds a licence valid in the relevant country;
  • The engine capacity is 250cc or less;
  • You are wearing a helmet;
  • You are not participating in a professional capacity; and
  • You are not racing.

No cover applies for personal liability. You are responsible for any costs associated with damage to the motorcycle, moped, property, or injury to another person.

Am I covered if I want to use an ATV/quad bike?

Yes. Our Cover-More policies automatically include coverage for riding an ATV/quad bike. You must ensure that all safety equipment is worn and reasonable care is taken.

Is it possible to get travel insurance for scuba diving?

Yes, we can cover this activity; however, you need to hold a valid Open Water Diving Certificate or dive with a qualified diving instructor.

Is there an altitude limit for adventure sports coverage?

There is no altitude limit imposed on your policy. Take reasonable care and know your limits and capabilities before going on a high-altitude trek. It’s important to remember that rescue helicopters can only operate up to a certain altitude and certain weather conditions subject to safety and air navigation rules or requirements. This can increase the difficulty of a rescue operation. Rest assured we will do our best to assist you if something goes wrong.

What do I do if I have been injured while partaking in adventure sports overseas?

We are sorry to hear you have been injured. However, we’re here to help. For emergencies, contact the local emergency number if you need an ambulance. When you are able to do so, call our Emergency Assistance team on +61 2 8907 5240. We can provide assistance if you are admitted to hospital or need help finding an English-speaking doctor. Our team of medical professionals can also talk you through the care you are receiving. Please have your policy number and a call back number ready when you phone our team.

Ready to protect your adventure holiday? Get a quote online today.