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What does travel insurance for sports cover?
Fast Cover’s travel insurance policies include a wide range of benefits to help you better deal with unexpected events that may occur when you participate in covered non-contact sports or leisure activities during your trip overseas or within Australia.
This is a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
Medical emergencies can happen while participating in sports and even leisure activities on your overseas trip. Fast Cover’s Aussie based team of experts are available to provide 24/7 support for overseas medical emergencies, depending on your situation and location.*
Our Emergency Assistance team may be able to help arrange experienced medical support services in the event of unexpected circumstances that arise from your participation in a covered adventure activity overseas.*
If you get injured while participating in covered sports or leisure activities during your overseas trip, Fast Cover may be able to help with overseas emergency medical and hospital expenses in some circumstances which are covered under your policy.*
Fast Cover’s international travel insurance policies are available to provide protection against the financial burden of reasonable and unexpected overseas emergency medical and hospital expenses associated with unexpected illness or injuries sustained from participating in covered sports and leisure activities, incurred by you, for which you are not reimbursed, during your trip overseas.* Please note there is no cover for any medical or ancillary expenses incurred in Australia.
If you become seriously injured or sick while participating in a covered sport or leisure activity overseas, access to emergency medical care could make a huge difference. Fast Cover may be able to help with the cost of getting you to the nearest hospital for emergency medical treatment or even flying you back to Australia, in circumstances covered under your policy.*
In case you are seriously injured or sick as a result of participating in a covered sport or leisure activity on your trip overseas, Fast Cover’s international travel insurance policies are available to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*
Cover may be available for the loss, theft or accidental damage of your luggage and personal items in situations covered under your policy.*
Limits and sub-limits apply to how much you can claim for each item. Conditions including situations in which we would provide cover apply.*
Cancelled holidays aren’t just disappointing, they can be expensive too. If you become unexpectedly sick or injured before your holiday and need to cancel your trip, our Trip Cancellation Expenses benefit may help protect the non-refundable trip bookings you’ve already paid for including flights, accommodation and tours in circumstances explained in your policy.*
At Fast Cover, you can buy travel insurance for your holiday up to 12 months prior to your departure date, including before you've booked adventure tours and any accommodation. Please note cancellation cover is only available with our Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.*
Natural disasters and severe weather could throw your trip off track, disrupting your planned activities if your scheduled or connecting transport is cancelled, delayed, shortened or diverted due to severe weather or a natural disaster that begun after we issued the Certificate of Insurance.
If a disruption to your trip occurs during your trip which is outside of your control and arises from the reasons covered by your policy and explained in the PDS, we may be able to help.*
What does travel insurance for sports cover?
Fast Cover’s travel insurance policies include a wide range of benefits to help you better deal with unexpected events that may occur when you participate in covered non-contact sports or leisure activities during your trip overseas or within Australia.
This is a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
Medical emergencies can happen while participating in sports and even leisure activities on your overseas trip. Fast Cover’s Aussie based team of experts are available to provide 24/7 support for overseas medical emergencies, depending on your situation and location.*
Our Emergency Assistance team may be able to help arrange experienced medical support services in the event of unexpected circumstances that arise from your participation in a covered adventure activity overseas.*
If you get injured while participating in covered sports or leisure activities during your overseas trip, Fast Cover may be able to help with overseas emergency medical and hospital expenses in some circumstances which are covered under your policy.*
Fast Cover’s international travel insurance policies are available to provide protection against the financial burden of reasonable and unexpected overseas emergency medical and hospital expenses associated with unexpected illness or injuries sustained from participating in covered sports and leisure activities, incurred by you, for which you are not reimbursed, during your trip overseas.* Please note there is no cover for any medical or ancillary expenses incurred in Australia.
If you become seriously injured or sick while participating in a covered sport or leisure activity overseas, access to emergency medical care could make a huge difference. Fast Cover may be able to help with the cost of getting you to the nearest hospital for emergency medical treatment or even flying you back to Australia, in circumstances covered under your policy.*
In case you are seriously injured or sick as a result of participating in a covered sport or leisure activity on your trip overseas, Fast Cover’s international travel insurance policies are available to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*
Cover may be available for the loss, theft or accidental damage of your luggage and personal items in situations covered under your policy.*
Limits and sub-limits apply to how much you can claim for each item. Conditions including situations in which we would provide cover apply.*
Cancelled holidays aren’t just disappointing, they can be expensive too. If you become unexpectedly sick or injured before your holiday and need to cancel your trip, our Trip Cancellation Expenses benefit may help protect the non-refundable trip bookings you’ve already paid for including flights, accommodation and tours in circumstances explained in your policy.*
At Fast Cover, you can buy travel insurance for your holiday up to 12 months prior to your departure date, including before you've booked adventure tours and any accommodation. Please note cancellation cover is only available with our Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.*
Natural disasters and severe weather could throw your trip off track, disrupting your planned activities if your scheduled or connecting transport is cancelled, delayed, shortened or diverted due to severe weather or a natural disaster that begun after we issued the Certificate of Insurance.
If a disruption to your trip occurs during your trip which is outside of your control and arises from the reasons covered by your policy and explained in the PDS, we may be able to help.*
What sports and leisure activities are covered?
Fast Cover’s travel insurance policies include cover for the non-contact sports and leisure activities listed below. You must comply with the participation limitations and conditions of the activities you participate in. These limitations and conditions are provided in italics following each activity they apply to in the list below.
Aqua zorbing
Archery
Ballooning (with a regulated and licensed operator)
Bicycling, recreational mountain biking and bicycle tours with a licensed tour operator (but not racing, motor cross, BMX, cross country or downhill mountain biking)
Bungee jumping or canyon swinging
Camel, donkey or elephant riding (under appropriate supervision)
Dancing
Dog sledding
Fencing
Fishing (on land or within 2 nautical miles of a land mass)
Go-karting
Golf
Gym activities (but not powerlifting)
Gymnastics (but not competitions)
Hiking, trekking or tramping, peaking at altitudes below 3,000 metres, where specialist climbing equipment is not required. (Expeditions to or on the Kokoda Track/Trail are not automatically covered. Choose the adventure pack option on page 24 for higher altitudes and Kokoda expeditions)
Horse riding (but not competitions, equestrian events, steeple chasing, jumping, or polo)
Ice skating on a rink (but not including competitive skating, racing, speed skating, and tour skating)
Indoor rock climbing (under appropriate supervision)
Jet boating (must be with a licensed operator, no competition or racing, no stunts or jumping off ramps)
Leisure activities (meaning any activities involving minimal physical exertion that is undertaken for relaxation or pleasure. For example, sight-seeing, picnics, photography and museum or art gallery visits)
Orienteering
Paintball (with eye protection)
Water polo
Racing on foot for distances up to and including full marathon (42.2 kilometres or 26.2 miles)
Racquet and ball sports not involving physical contact: badminton, baseball, bowling, bowls, cricket, croquet, golf, netball, snooker, soccer, softball, table tennis, tennis, touch football, and volleyball.
Rafting, kayaking or canoeing in rivers or rapids graded I, II or III under the international scale of river difficulty, or lakes or canals (choose the adventure pack option on page 24 for rivers or rapids graded IV or V under the international scale of river difficulty)
Safari (under appropriate supervision) but not hunting
Sailing up to 10 nautical miles off any land mass
Scuba diving/ diving underwater using an artificial breathing apparatus at a depth no greater than 10 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities; for 1 or more overnight stays in Australia or 4 or more nights overseas on a cruise ship, you must specify cruise cover)
Shark cage diving (subject to diving restrictions listed above)
Shooting (fixed target only, only at a licensed commercially operated shooting range, choose the adventure pack option on page 24 for shooting moving targets)
Skateboarding, roller skating, inline skating (but not including vert skating or acrobatics)
Snorkelling
Surface water activity (other than sailing) up to 2 nautical miles off any land mass
Track and field athletics
Ultimate frisbee
Weightlifting and body building
All other sports and leisure activities are excluded from cover under your policy, except for the adventure activities covered under the optional Adventure Pack if you have paid the additional premium for the Adventure Pack, and it is listed on your certificate of insurance.
Below is a summary of the cover you need from Fast Cover for your chosen activity. Please read the PDS for full terms and conditions of cover.
Activity | Cover Required |
Abseiling* | Adventure Pack |
Animal / Sealife encounters (in a controlled, enclosed environment with a licensed operator, no killer whales and no free diving)* | Adventure Pack |
Animal conservation and handling (under appropriate supervision)* | Adventure Pack |
Aqua zorbing* | Automatically included |
Archery* | Automatically included |
Backcountry skiing and snowboarding (must be done with a Professional snow sport instructor)* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Ballooning (with a regulated and licensed operator)* | Automatically included |
Battle re-enactment (not with firearms)* | Adventure Pack |
Bicycling, recreational mountain biking and bicycle tours with a licensed tour operator (but not racing, motor cross, BMX, cross country or downhill mountain biking)* | Automatically included |
Big foot skiing and snowboarding* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Boxing (basic training only, no sparring, no competition)* | Adventure Pack |
Bungee jumping or canyon swinging* | Automatically included |
Camel, donkey or elephant riding (under appropriate supervision)* | Automatically included |
Cat skiing and snowboarding (must be done with a Professional snow sport instructor)*
| Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Cave/river tubing* | Adventure Pack |
Caving/potholing* | Adventure Pack |
Contact sports: basketball, rugby, Australian Rules football, American football, dodgeball, field hockey, hurling, Gaelic football, lacrosse, roller derby, and squash.* | Adventure Pack |
Cross-country skiing and snowboarding (along a designated cross-country ski route only)* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Dancing* | Automatically included |
Deep sea fishing with a licensed commercial operator up to 15 nautical miles off any land mass (for 1 or more overnight stays in Australia or 4 or more nights overseas on a cruise ship, you must specify cruise cover)* | Adventure Pack |
Dog sledding* | Automatically included |
Expeditions to or on the Kokoda Track/Trail* | Adventure Pack |
Fencing* | Automatically included |
Fishing (on land or within 2 nautical miles of a land mass)* | Automatically included |
Flying fox/zip lining* | Adventure Pack |
Glacier skiing and snowboarding (must be done with a Professional snow sport instructor)* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Go-karting* | Automatically included |
Golf* | Automatically included |
Gym activities (but not powerlifting)* | Automatically included |
Gymnastics (but not competitions)* | Automatically included |
Heli-skiing and snowboarding (provided by a commercial operator and available to the general public only) (must be done with a Professional snow sport instructor)* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Hiking, trekking or tramping, peaking at altitudes below 3,000 metres, where specialist climbing equipment is not required. (Expeditions to or on the Kokoda Track/Trail are not automatically covered. Choose the adventure pack option on page 24 for higher altitudes and Kokoda expeditions)* | Automatically included |
Hiking, trekking or tramping, peaking at altitudes between 3,000 metres up to 6,000 metres (not higher) but only where specialist climbing equipment is not required* | Adventure Pack |
Horse riding (but not competitions, equestrian events, steeple chasing, jumping, or polo)* | Automatically included |
Ice hockey (not competitive)* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Ice skating on a rink (but not including competitive skating, racing, speed skating, and tour skating)* | Automatically included |
Ice skating* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Indoor rock climbing (under appropriate supervision)* | Automatically included |
Jet boating (must be with a licensed operator, no competition or racing, no stunts or jumping off ramps)* | Automatically included |
Leisure activities (meaning any activities involving minimal physical exertion that is undertaken for relaxation or pleasure. For example, sight-seeing, picnics, photography and museum or art gallery visits)* | Automatically included |
Lugeing (on ice provided by a commercial operator and available to the general public only)* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Martial arts (basic training only, no sparring, no competition)* | Adventure Pack |
Mono skiing* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Off-piste skiing or snowboarding (must be done with a Professional snow sport instructor)* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Orienteering* | Automatically included |
Outdoor rock climbing (only with a licensed commercial operator and with ropes and appropriate safety gear; but not free soloing)* | Adventure Pack |
Paintball (with eye protection)* | Automatically included |
Quad biking & Recreational all-terrain vehicles (only single rider with maximum one passenger, and no jumping, racing or competition)* | Adventure Pack |
Racing on foot for distances up to and including full marathon (42.2 kilometres or 26.2 miles)* | Automatically included |
Racquet and ball sports not involving physical contact: badminton, baseball, bowling, bowls, cricket, croquet, golf, netball, snooker, soccer, softball, table tennis, tennis, touch football, and volleyball* | Automatically included |
Rafting or kayaking in rivers or rapids graded IV or V under the International Scale of River Difficulty (but no competition or racing)* | Adventure Pack |
Rafting, kayaking or canoeing in rivers or rapids graded I, II or III under the international scale of river difficulty, or lakes or canals (choose the adventure pack option on page 24 for rivers or rapids graded IV or V under the international scale of river difficulty)* | Automatically included |
Recreational skiing and snowboarding* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Riding or being a passenger on a motorcycle, moped or scooter overseas* | Motorcycle Pack |
Safari (under appropriate supervision) but not hunting* | Automatically included |
Sailing from 10 nautical miles up to 15 nautical miles off any land mass (but not competition or racing)* | Adventure Pack |
Sailing up to 10 nautical miles off any land mass* | Automatically included |
Sandboarding* | Adventure Pack |
Scuba diving/ diving underwater using an artificial breathing apparatus at a depth no greater than 10 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities; for 1 or more overnight stays in Australia or 4 or more nights overseas on a cruise ship, you must specify cruise cover)* | Automatically included |
Scuba diving/ diving underwater using an artificial breathing apparatus at a depth no greater than 30 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities; for 1 or more overnight stays in Australia or 4 or more nights overseas on a cruise ship, You must specify cruise cover)* | Adventure Pack |
Segway tours* | Adventure Pack |
Shark cage diving (subject to diving restrictions listed above)* | Automatically included |
Shooting moving targets, such as clay pigeons, only at a licensed commercially operated shooting range (not including any live targets, game hunting or safaris)* | Adventure Pack |
Shooting (fixed target only, only at a licensed commercially operated shooting range, choose the adventure pack option on page 24 for shooting moving targets)* | Automatically included |
Skateboarding, roller skating, inline skating (but not including vert skating or acrobatics)* | Automatically included |
Snorkelling* | Automatically included |
Snowmobiling* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Snowshoeing* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Surface water activity (other than sailing) up to 2 nautical miles off any land mass* | Automatically included |
Tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (you must be in tandem with an instructor licensed for these activities)* | Adventure Pack |
Terrain park skiing and snowboarding (areas available to the general public only)* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Tobogganing* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Track and field athletics* | Automatically included |
Travelling on a cruise within Asia, Europe or Worldwide regions for 4 nights or more* | Cruise cover |
Travelling on a cruise within Australian waters, the New Zealand or the South Pacific region for 1night or more* | Cruise cover |
Travelling on a cruise on a river | Automatically included |
Ultimate frisbee* | Automatically included |
Water polo* | Automatically included |
Water skiing, jet skiing, speedboating, wakeboarding & tubing (must be with a licensed operator; no competition or racing; no stunts or jumping off ramps)* | Adventure Pack |
Weightlifting and body building* | Automatically included |
If you're unsure or want to discuss your options, contact our Aussie based Customer Service team on 1300 409 322.
What sports and leisure activities are covered?
Fast Cover’s travel insurance policies include cover for the non-contact sports and leisure activities listed below. You must comply with the participation limitations and conditions of the activities you participate in. These limitations and conditions are provided in italics following each activity they apply to in the list below.
Aqua zorbing
Archery
Ballooning (with a regulated and licensed operator)
Bicycling, recreational mountain biking and bicycle tours with a licensed tour operator (but not racing, motor cross, BMX, cross country or downhill mountain biking)
Bungee jumping or canyon swinging
Camel, donkey or elephant riding (under appropriate supervision)
Dancing
Dog sledding
Fencing
Fishing (on land or within 2 nautical miles of a land mass)
Go-karting
Golf
Gym activities (but not powerlifting)
Gymnastics (but not competitions)
Hiking, trekking or tramping, peaking at altitudes below 3,000 metres, where specialist climbing equipment is not required. (Expeditions to or on the Kokoda Track/Trail are not automatically covered. Choose the adventure pack option on page 24 for higher altitudes and Kokoda expeditions)
Horse riding (but not competitions, equestrian events, steeple chasing, jumping, or polo)
Ice skating on a rink (but not including competitive skating, racing, speed skating, and tour skating)
Indoor rock climbing (under appropriate supervision)
Jet boating (must be with a licensed operator, no competition or racing, no stunts or jumping off ramps)
Leisure activities (meaning any activities involving minimal physical exertion that is undertaken for relaxation or pleasure. For example, sight-seeing, picnics, photography and museum or art gallery visits)
Orienteering
Paintball (with eye protection)
Water polo
Racing on foot for distances up to and including full marathon (42.2 kilometres or 26.2 miles)
Racquet and ball sports not involving physical contact: badminton, baseball, bowling, bowls, cricket, croquet, golf, netball, snooker, soccer, softball, table tennis, tennis, touch football, and volleyball.
Rafting, kayaking or canoeing in rivers or rapids graded I, II or III under the international scale of river difficulty, or lakes or canals (choose the adventure pack option on page 24 for rivers or rapids graded IV or V under the international scale of river difficulty)
Safari (under appropriate supervision) but not hunting
Sailing up to 10 nautical miles off any land mass
Scuba diving/ diving underwater using an artificial breathing apparatus at a depth no greater than 10 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities; for 1 or more overnight stays in Australia or 4 or more nights overseas on a cruise ship, you must specify cruise cover)
Shark cage diving (subject to diving restrictions listed above)
Shooting (fixed target only, only at a licensed commercially operated shooting range, choose the adventure pack option on page 24 for shooting moving targets)
Skateboarding, roller skating, inline skating (but not including vert skating or acrobatics)
Snorkelling
Surface water activity (other than sailing) up to 2 nautical miles off any land mass
Track and field athletics
Ultimate frisbee
Weightlifting and body building
All other sports and leisure activities are excluded from cover under your policy, except for the adventure activities covered under the optional Adventure Pack if you have paid the additional premium for the Adventure Pack, and it is listed on your certificate of insurance.
Below is a summary of the cover you need from Fast Cover for your chosen activity. Please read the PDS for full terms and conditions of cover.
Activity | Cover Required |
Abseiling* | Adventure Pack |
Animal / Sealife encounters (in a controlled, enclosed environment with a licensed operator, no killer whales and no free diving)* | Adventure Pack |
Animal conservation and handling (under appropriate supervision)* | Adventure Pack |
Aqua zorbing* | Automatically included |
Archery* | Automatically included |
Backcountry skiing and snowboarding (must be done with a Professional snow sport instructor)* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Ballooning (with a regulated and licensed operator)* | Automatically included |
Battle re-enactment (not with firearms)* | Adventure Pack |
Bicycling, recreational mountain biking and bicycle tours with a licensed tour operator (but not racing, motor cross, BMX, cross country or downhill mountain biking)* | Automatically included |
Big foot skiing and snowboarding* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Boxing (basic training only, no sparring, no competition)* | Adventure Pack |
Bungee jumping or canyon swinging* | Automatically included |
Camel, donkey or elephant riding (under appropriate supervision)* | Automatically included |
Cat skiing and snowboarding (must be done with a Professional snow sport instructor)*
| Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Cave/river tubing* | Adventure Pack |
Caving/potholing* | Adventure Pack |
Contact sports: basketball, rugby, Australian Rules football, American football, dodgeball, field hockey, hurling, Gaelic football, lacrosse, roller derby, and squash.* | Adventure Pack |
Cross-country skiing and snowboarding (along a designated cross-country ski route only)* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Dancing* | Automatically included |
Deep sea fishing with a licensed commercial operator up to 15 nautical miles off any land mass (for 1 or more overnight stays in Australia or 4 or more nights overseas on a cruise ship, you must specify cruise cover)* | Adventure Pack |
Dog sledding* | Automatically included |
Expeditions to or on the Kokoda Track/Trail* | Adventure Pack |
Fencing* | Automatically included |
Fishing (on land or within 2 nautical miles of a land mass)* | Automatically included |
Flying fox/zip lining* | Adventure Pack |
Glacier skiing and snowboarding (must be done with a Professional snow sport instructor)* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Go-karting* | Automatically included |
Golf* | Automatically included |
Gym activities (but not powerlifting)* | Automatically included |
Gymnastics (but not competitions)* | Automatically included |
Heli-skiing and snowboarding (provided by a commercial operator and available to the general public only) (must be done with a Professional snow sport instructor)* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Hiking, trekking or tramping, peaking at altitudes below 3,000 metres, where specialist climbing equipment is not required. (Expeditions to or on the Kokoda Track/Trail are not automatically covered. Choose the adventure pack option on page 24 for higher altitudes and Kokoda expeditions)* | Automatically included |
Hiking, trekking or tramping, peaking at altitudes between 3,000 metres up to 6,000 metres (not higher) but only where specialist climbing equipment is not required* | Adventure Pack |
Horse riding (but not competitions, equestrian events, steeple chasing, jumping, or polo)* | Automatically included |
Ice hockey (not competitive)* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Ice skating on a rink (but not including competitive skating, racing, speed skating, and tour skating)* | Automatically included |
Ice skating* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Indoor rock climbing (under appropriate supervision)* | Automatically included |
Jet boating (must be with a licensed operator, no competition or racing, no stunts or jumping off ramps)* | Automatically included |
Leisure activities (meaning any activities involving minimal physical exertion that is undertaken for relaxation or pleasure. For example, sight-seeing, picnics, photography and museum or art gallery visits)* | Automatically included |
Lugeing (on ice provided by a commercial operator and available to the general public only)* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Martial arts (basic training only, no sparring, no competition)* | Adventure Pack |
Mono skiing* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Off-piste skiing or snowboarding (must be done with a Professional snow sport instructor)* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Orienteering* | Automatically included |
Outdoor rock climbing (only with a licensed commercial operator and with ropes and appropriate safety gear; but not free soloing)* | Adventure Pack |
Paintball (with eye protection)* | Automatically included |
Quad biking & Recreational all-terrain vehicles (only single rider with maximum one passenger, and no jumping, racing or competition)* | Adventure Pack |
Racing on foot for distances up to and including full marathon (42.2 kilometres or 26.2 miles)* | Automatically included |
Racquet and ball sports not involving physical contact: badminton, baseball, bowling, bowls, cricket, croquet, golf, netball, snooker, soccer, softball, table tennis, tennis, touch football, and volleyball* | Automatically included |
Rafting or kayaking in rivers or rapids graded IV or V under the International Scale of River Difficulty (but no competition or racing)* | Adventure Pack |
Rafting, kayaking or canoeing in rivers or rapids graded I, II or III under the international scale of river difficulty, or lakes or canals (choose the adventure pack option on page 24 for rivers or rapids graded IV or V under the international scale of river difficulty)* | Automatically included |
Recreational skiing and snowboarding* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Riding or being a passenger on a motorcycle, moped or scooter overseas* | Motorcycle Pack |
Safari (under appropriate supervision) but not hunting* | Automatically included |
Sailing from 10 nautical miles up to 15 nautical miles off any land mass (but not competition or racing)* | Adventure Pack |
Sailing up to 10 nautical miles off any land mass* | Automatically included |
Sandboarding* | Adventure Pack |
Scuba diving/ diving underwater using an artificial breathing apparatus at a depth no greater than 10 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities; for 1 or more overnight stays in Australia or 4 or more nights overseas on a cruise ship, you must specify cruise cover)* | Automatically included |
Scuba diving/ diving underwater using an artificial breathing apparatus at a depth no greater than 30 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities; for 1 or more overnight stays in Australia or 4 or more nights overseas on a cruise ship, You must specify cruise cover)* | Adventure Pack |
Segway tours* | Adventure Pack |
Shark cage diving (subject to diving restrictions listed above)* | Automatically included |
Shooting moving targets, such as clay pigeons, only at a licensed commercially operated shooting range (not including any live targets, game hunting or safaris)* | Adventure Pack |
Shooting (fixed target only, only at a licensed commercially operated shooting range, choose the adventure pack option on page 24 for shooting moving targets)* | Automatically included |
Skateboarding, roller skating, inline skating (but not including vert skating or acrobatics)* | Automatically included |
Snorkelling* | Automatically included |
Snowmobiling* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Snowshoeing* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Surface water activity (other than sailing) up to 2 nautical miles off any land mass* | Automatically included |
Tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (you must be in tandem with an instructor licensed for these activities)* | Adventure Pack |
Terrain park skiing and snowboarding (areas available to the general public only)* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Tobogganing* | Snow Sports Plus Policy for international travel or Domestic Plus Policy for travel within Australia |
Track and field athletics* | Automatically included |
Travelling on a cruise within Asia, Europe or Worldwide regions for 4 nights or more* | Cruise cover |
Travelling on a cruise within Australian waters, the New Zealand or the South Pacific region for 1night or more* | Cruise cover |
Travelling on a cruise on a river | Automatically included |
Ultimate frisbee* | Automatically included |
Water polo* | Automatically included |
Water skiing, jet skiing, speedboating, wakeboarding & tubing (must be with a licensed operator; no competition or racing; no stunts or jumping off ramps)* | Adventure Pack |
Weightlifting and body building* | Automatically included |
If you're unsure or want to discuss your options, contact our Aussie based Customer Service team on 1300 409 322.
Optional extras for sports and activities
While some travellers enjoy non-contact sports and leisure activities, others enjoy the thrill of adventurous activities, riding a motorcycle, cruising the seas or even skiing and snowboarding. No two trips are the same - and your cover shouldn’t be either. Fast Cover’s optional add-ons allow you to customise your travel insurance policy so you can include cover for a range of activities and adventures to fit you and your travel plans.*
If you are taking a trip that involves more adventurous activities, we offer an optional Adventure Pack that includes cover for a wide range of adventurous activities. Our Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list.*
Examples of some activities that require the Adventure Pack include:
Abseiling
Outdoor rock climbing
Quad biking
Tandem parachuting and tandem skydiving
Sailing from 10-15 nm off any land mass
Scuba diving up to 30 m
Water skiing, jet skiing, and speedboating
Conditions apply for activities under our Adventure Pack so make sure to read the PDS for full T&Cs.
The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus or Frequent Traveller Saver policy.*
For more details, visit our page on travel insurance for adventure activities.
Riding a motorcycle, moped or scooter offers a unique and thrilling way to experience diverse locations overseas. Fast Cover’s Motorcycle Pack is an optional extra available under our international policies that may provide cover to you for being the rider or passenger on a:
Motorcycle,
Moped, or
Scooter.*
The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 and under at the date of policy issue when they purchase an international travel insurance policy.*
For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.
If your travel plans include a cruise, you can choose to add cruise cover to your travel insurance policy for additional cover in case of unexpected emergencies on board the ship or during on shore excursions where no support or reimbursement is provided by the cruise company.*
If you are travelling on a cruise ship and wish to be covered for it, you must specify cruise cover at the time of purchase based on your destination and length of cruise:
If you are travelling within Australian waters, the New Zealand or the South Pacific region for 1 night or more
If you are travelling on a cruise within Asia, Europe or Worldwide regions for 4 nights or more
By adding this option, your existing international travel insurance benefits will extend to when you’re on a cruise. This may provide cover for unexpected emergencies on-board the cruise ship where no support or reimbursement is provided by the cruise company.*
If you are travelling on a domestic cruise, our medical coverage is only available whilst you are on board the cruise ship and not while you are on land.
For more details, visit our page on travel insurance for cruises and read our PDS for terms and conditions of cover for travelling on cruise ships.
Heading to the snow to participate in snow sports? Unexpected events at the snow can snowball into costly expenses. If you’re planning to participate in our list of covered snow sports overseas, answer yes to ‘Will you be doing any snowsports?’ during your quote application. This will give you the option to purchase a “Snow Sports Plus” policy which can provide cover for costs associated with ski and snow sports.*
The Snow Sports Plus Policy provides cover for the following activities:
Recreational skiing and snowboarding
Big foot skiing and snowboarding
Cross-country skiing and snowboarding (along a designated cross-country ski route only)
Ice hockey (not competitive)
Ice skating
Lugeing (on ice provided by a commercial operator and available to the general public only)
Mono skiing
Snowmobiling
Snowshoeing
Terrain park skiing and snowboarding (areas available to the general public only)
Tobogganing
The following activities are covered but must be done with a Professional snow sport instructor:
Off-piste skiing or snowboarding
Backcountry skiing and snowboarding
Cat skiing and snowboarding
Glacier skiing and snowboarding
Heli-skiing and snowboarding (provided by a commercial operator and available to the general public only)
The Snow Sports Plus policy is available at an additional premium for Aussie travellers aged 69 and under at the date of policy issue, when they purchase an international travel insurance policy.*
For more details visit our page on travel insurance for skiing and snowboarding and read our PDS for terms and conditions of cover for Snow Sports.
Optional extras for sports and activities
While some travellers enjoy non-contact sports and leisure activities, others enjoy the thrill of adventurous activities, riding a motorcycle, cruising the seas or even skiing and snowboarding. No two trips are the same - and your cover shouldn’t be either. Fast Cover’s optional add-ons allow you to customise your travel insurance policy so you can include cover for a range of activities and adventures to fit you and your travel plans.*
If you are taking a trip that involves more adventurous activities, we offer an optional Adventure Pack that includes cover for a wide range of adventurous activities. Our Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list.*
Examples of some activities that require the Adventure Pack include:
Abseiling
Outdoor rock climbing
Quad biking
Tandem parachuting and tandem skydiving
Sailing from 10-15 nm off any land mass
Scuba diving up to 30 m
Water skiing, jet skiing, and speedboating
Conditions apply for activities under our Adventure Pack so make sure to read the PDS for full T&Cs.
The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus or Frequent Traveller Saver policy.*
For more details, visit our page on travel insurance for adventure activities.
Riding a motorcycle, moped or scooter offers a unique and thrilling way to experience diverse locations overseas. Fast Cover’s Motorcycle Pack is an optional extra available under our international policies that may provide cover to you for being the rider or passenger on a:
Motorcycle,
Moped, or
Scooter.*
The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 and under at the date of policy issue when they purchase an international travel insurance policy.*
For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.
If your travel plans include a cruise, you can choose to add cruise cover to your travel insurance policy for additional cover in case of unexpected emergencies on board the ship or during on shore excursions where no support or reimbursement is provided by the cruise company.*
If you are travelling on a cruise ship and wish to be covered for it, you must specify cruise cover at the time of purchase based on your destination and length of cruise:
If you are travelling within Australian waters, the New Zealand or the South Pacific region for 1 night or more
If you are travelling on a cruise within Asia, Europe or Worldwide regions for 4 nights or more
By adding this option, your existing international travel insurance benefits will extend to when you’re on a cruise. This may provide cover for unexpected emergencies on-board the cruise ship where no support or reimbursement is provided by the cruise company.*
If you are travelling on a domestic cruise, our medical coverage is only available whilst you are on board the cruise ship and not while you are on land.
For more details, visit our page on travel insurance for cruises and read our PDS for terms and conditions of cover for travelling on cruise ships.
Heading to the snow to participate in snow sports? Unexpected events at the snow can snowball into costly expenses. If you’re planning to participate in our list of covered snow sports overseas, answer yes to ‘Will you be doing any snowsports?’ during your quote application. This will give you the option to purchase a “Snow Sports Plus” policy which can provide cover for costs associated with ski and snow sports.*
The Snow Sports Plus Policy provides cover for the following activities:
Recreational skiing and snowboarding
Big foot skiing and snowboarding
Cross-country skiing and snowboarding (along a designated cross-country ski route only)
Ice hockey (not competitive)
Ice skating
Lugeing (on ice provided by a commercial operator and available to the general public only)
Mono skiing
Snowmobiling
Snowshoeing
Terrain park skiing and snowboarding (areas available to the general public only)
Tobogganing
The following activities are covered but must be done with a Professional snow sport instructor:
Off-piste skiing or snowboarding
Backcountry skiing and snowboarding
Cat skiing and snowboarding
Glacier skiing and snowboarding
Heli-skiing and snowboarding (provided by a commercial operator and available to the general public only)
The Snow Sports Plus policy is available at an additional premium for Aussie travellers aged 69 and under at the date of policy issue, when they purchase an international travel insurance policy.*
For more details visit our page on travel insurance for skiing and snowboarding and read our PDS for terms and conditions of cover for Snow Sports.
Cover for existing medical conditions
If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be covered.
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Select who needs cover
Once you've added all travellers, to your policy, you can select those who wish to add cover for any existing medical conditions.
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Take a medical screening
Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.
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Choose to add cover
We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.
Insurance cover options
At Fast Cover, we have a range of coverage options available for your overseas trip. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.
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Comprehensive travel insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income.*
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The Standard Saver travel insurance policy provides mid-level cover, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel.*
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Our Basics travel insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000.*
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Aussies travelling within Australia for local getaways may be able to purchase the Domestic Plus policy, offering benefits such as Trip Cancellation Expenses, Luggage and Personal Effects, Rental Vehicle Excess cover and more for domestic trips.*
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The Snow Sports Plus policy may be suitable for travellers heading to the snow overseas to participate in covered snow sports with benefits for snow sports equipment, snow replacement equipment hire, snow prepaid expenses and snow resort closure.*
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If you are travelling frequently, you can get a quote for a Frequent Traveller Saver policy when you take out travel insurance. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. Your accompanying spouse and dependants may also be covered when travelling with you.*
Please note, when travelling within Australia on a Frequent Traveller Saver policy, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. However, if you are travelling on a cruise within Australia, benefits including Overseas 24/7 Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, and Overseas Emergency Medical Evacuation and Repatriation may be available.*
Insurance cover options
At Fast Cover, we have a range of coverage options available for your overseas trip. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.
Comprehensive
Comprehensive travel insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income.*
Standard Saver
The Standard Saver travel insurance policy provides mid-level cover, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel.*
Basics (medical only)
Our Basics travel insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000.*
Domestic Plus
Aussies travelling within Australia for local getaways may be able to purchase the Domestic Plus policy, offering benefits such as Trip Cancellation Expenses, Luggage and Personal Effects, Rental Vehicle Excess cover and more for domestic trips.*
Snow Sports Plus
The Snow Sports Plus policy may be suitable for travellers heading to the snow overseas to participate in covered snow sports with benefits for snow sports equipment, snow replacement equipment hire, snow prepaid expenses and snow resort closure.*
Frequent Traveller Saver
If you are travelling frequently, you can get a quote for a Frequent Traveller Saver policy when you take out travel insurance. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. Your accompanying spouse and dependants may also be covered when travelling with you.*
Please note, when travelling within Australia on a Frequent Traveller Saver policy, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. However, if you are travelling on a cruise within Australia, benefits including Overseas 24/7 Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, and Overseas Emergency Medical Evacuation and Repatriation may be available.*
Who can get travel insurance for sports and leisure activities?
Whether you're sightseeing solo, surfing with your best friend or snorkelling with the family, every journey and traveller is unique. Our travel insurance is deigned to help a wide range of Aussies stay covered while enjoying recreational sports and leisure activities, including:
Solo backpackers sightseeing across multiple countries
Friends taking on active holidays like hiking below 3000m
Families seeking outdoor experiences such as horse riding or safaris
Friends travelling for activities like surfing
Gap year travellers exploring adventure activities across different destinations
Digital nomads combining travel with non-contact sports
Weekend travellers taking short active getaways
Experienced travellers visiting their favourite museums and art galleries
Who can get travel insurance for sports and leisure activities?
Whether you're sightseeing solo, surfing with your best friend or snorkelling with the family, every journey and traveller is unique. Our travel insurance is deigned to help a wide range of Aussies stay covered while enjoying recreational sports and leisure activities, including:
Solo backpackers sightseeing across multiple countries
Friends taking on active holidays like hiking below 3000m
Families seeking outdoor experiences such as horse riding or safaris
Friends travelling for activities like surfing
Gap year travellers exploring adventure activities across different destinations
Digital nomads combining travel with non-contact sports
Weekend travellers taking short active getaways
Experienced travellers visiting their favourite museums and art galleries
Do I need travel insurance for sports and leisure activities?
Whether you’re planning to go on a Safari in South Africa, sightseeing across Europe, or horse riding in Kyrgyzstan, we understand that unexpected situations and factors outside of your control can arise while participating in sports and leisure activities and may leave you with out of pocket expenses. Travel insurance with cover for sports and leisure activities can help you prepare to deal with unexpected events that could impact your trip if the unexpected happens.
Here are some situations which you might consider when deciding if you need travel insurance with cover for sports and leisure activities for your next trip and whether your travel insurance policy can provide cover for these situations:
Consider whether your travel insurance can provide cover if you become sick or injured while participating in sports or leisure activities such as snorkelling, golf or go-karting and incur emergency medical and hospital expenses.
This could include treatment for fractures, dislocations, dehydration, infections or other unexpected injuries sustained during a covered activity overseas. You may also wish to check whether your policy can provide cover for overseas emergency medical evacuation or repatriation if you require urgent medical transport.
If you experience a medical emergency while participating in a covered sport or leisure activity overseas, consider whether your travel insurance policy includes access to 24/7 emergency medical assistance services.
Depending on your situation and location, emergency assistance teams may be able to help arrange medical treatment, hospital admissions, emergency transport or communication support during an overseas medical emergency.
While rare, serious accidents resulting in death can happen during sports activities. Consider whether your travel insurance policy includes benefits for accidental death if you suffer a serious injury resulting in death as a result of participating in a covered sport during your trip.
Do I need travel insurance for sports and leisure activities?
Whether you’re planning to go on a Safari in South Africa, sightseeing across Europe, or horse riding in Kyrgyzstan, we understand that unexpected situations and factors outside of your control can arise while participating in sports and leisure activities and may leave you with out of pocket expenses. Travel insurance with cover for sports and leisure activities can help you prepare to deal with unexpected events that could impact your trip if the unexpected happens.
Here are some situations which you might consider when deciding if you need travel insurance with cover for sports and leisure activities for your next trip and whether your travel insurance policy can provide cover for these situations:
Consider whether your travel insurance can provide cover if you become sick or injured while participating in sports or leisure activities such as snorkelling, golf or go-karting and incur emergency medical and hospital expenses.
This could include treatment for fractures, dislocations, dehydration, infections or other unexpected injuries sustained during a covered activity overseas. You may also wish to check whether your policy can provide cover for overseas emergency medical evacuation or repatriation if you require urgent medical transport.
If you experience a medical emergency while participating in a covered sport or leisure activity overseas, consider whether your travel insurance policy includes access to 24/7 emergency medical assistance services.
Depending on your situation and location, emergency assistance teams may be able to help arrange medical treatment, hospital admissions, emergency transport or communication support during an overseas medical emergency.
While rare, serious accidents resulting in death can happen during sports activities. Consider whether your travel insurance policy includes benefits for accidental death if you suffer a serious injury resulting in death as a result of participating in a covered sport during your trip.
What is the best travel insurance for sports and leisure activities?
The best travel insurance for sports and leisure activities can be considered as a policy that provides cover for the type of trip and activities you’re planning. When comparing travel insurance for sports, it’s important to choose a policy that aligns with your specific travel plans and the activities you intend to participate in.
Here are some examples of things you may wish to consider when comparing travel insurance policies with cover for sports and leisure activities to help you decide which policy may be right for you:
The best travel insurance for sports activities isn’t always the cheapest policy available. Consider if it provides a suitable level of cover for your trip, destination and planned activities.
Fast Cover offers a range of travel insurance policies which include cover for sports and leisure activities. Keep in mind that policies vary in coverage and benefit limits available.
When comparing policies, always read the PDS, review what benefits are included, and check the applicable benefit limits, exclusions and conditions. Understanding the scope of cover can help you decide which policy may be right for your travel plans.
Getting sick or injured while participating in sports overseas can be stressful and costly. Medical treatment, hospital stays and emergency transport overseas can quickly result in significant out of pocket expenses in some countries.
Fast Cover’s eligible international travel insurance policies can provide unlimited cover for:
overseas 24/7 emergency medical assistance
overseas emergency medical and hospital expenses, and
overseas emergency medical evacuation and repatriation
in circumstances covered under the policy.*
When comparing travel insurance for sports, you may wish to consider whether the policy include similar medical benefits.
Have you booked flights, tours or accommodation for the sports or leisure activities planned for your trip?
You may wish to consider whether your travel insurance policy includes cancellation and disruption benefits in case your travel plans are unexpectedly impacted by unforeseen circumstances, such as an unexpected illness, injury or other covered events before or during your trip.
What is the best travel insurance for sports and leisure activities?
The best travel insurance for sports and leisure activities can be considered as a policy that provides cover for the type of trip and activities you’re planning. When comparing travel insurance for sports, it’s important to choose a policy that aligns with your specific travel plans and the activities you intend to participate in.
Here are some examples of things you may wish to consider when comparing travel insurance policies with cover for sports and leisure activities to help you decide which policy may be right for you:
The best travel insurance for sports activities isn’t always the cheapest policy available. Consider if it provides a suitable level of cover for your trip, destination and planned activities.
Fast Cover offers a range of travel insurance policies which include cover for sports and leisure activities. Keep in mind that policies vary in coverage and benefit limits available.
When comparing policies, always read the PDS, review what benefits are included, and check the applicable benefit limits, exclusions and conditions. Understanding the scope of cover can help you decide which policy may be right for your travel plans.
Getting sick or injured while participating in sports overseas can be stressful and costly. Medical treatment, hospital stays and emergency transport overseas can quickly result in significant out of pocket expenses in some countries.
Fast Cover’s eligible international travel insurance policies can provide unlimited cover for:
overseas 24/7 emergency medical assistance
overseas emergency medical and hospital expenses, and
overseas emergency medical evacuation and repatriation
in circumstances covered under the policy.*
When comparing travel insurance for sports, you may wish to consider whether the policy include similar medical benefits.
Have you booked flights, tours or accommodation for the sports or leisure activities planned for your trip?
You may wish to consider whether your travel insurance policy includes cancellation and disruption benefits in case your travel plans are unexpectedly impacted by unforeseen circumstances, such as an unexpected illness, injury or other covered events before or during your trip.
What’s not covered in our travel insurance for sports and leisure activities?
It’s important to know not just what your travel insurance covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
Our PDS includes a list of covered sports and leisure activities. All other sports and leisure activities are excluded from cover under your policy unless you take out the relevant optional extra or policy required for your activity. For example, if you get injured in an accident while quad biking in Bali and you didn’t add the Adventure Pack to your eligible policy, or you get injured while skiing in Japan and you didn’t take out the Snow Sports Plus policy, you may be responsible for paying your overseas medical and hospital expenses because you did not choose to include cover for these activities.
It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do on your trip.
Cover for sports listed in our PDS is limited to amateur participation. There is no cover for competitions or professional participation in sports activities. Please note you must comply with the participation limitations and conditions of the sports activities you participate in listed in the PDS.
If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, if you ride a bicycle without the required safety gear required by law.
Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase.
Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.
Known events are serious situations, from natural disasters like earthquakes and volcanic eruptions, to disease outbreaks, which can affect your holiday plans and also the cover on your overseas travel insurance policy.
If you buy your travel insurance after an event is deemed a known event, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for your overseas travel destination as well as information on the official government Smartraveller website so you know where you stand with regards to the cover that you will have on your international travel insurance policy.
Perhaps the weather was bad, you didn’t enjoy your horse riding tour or the landmarks and museums you were sightseeing didn’t live up to the expectation. Whatever the reason you’re unhappy with how your trip has shaped up, your travel insurance policy is not intended to compensate you because you didn’t enjoy your time there.
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
What’s not covered in our travel insurance for sports and leisure activities?
It’s important to know not just what your travel insurance covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
Our PDS includes a list of covered sports and leisure activities. All other sports and leisure activities are excluded from cover under your policy unless you take out the relevant optional extra or policy required for your activity. For example, if you get injured in an accident while quad biking in Bali and you didn’t add the Adventure Pack to your eligible policy, or you get injured while skiing in Japan and you didn’t take out the Snow Sports Plus policy, you may be responsible for paying your overseas medical and hospital expenses because you did not choose to include cover for these activities.
It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do on your trip.
Cover for sports listed in our PDS is limited to amateur participation. There is no cover for competitions or professional participation in sports activities. Please note you must comply with the participation limitations and conditions of the sports activities you participate in listed in the PDS.
If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, if you ride a bicycle without the required safety gear required by law.
Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase.
Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.
Known events are serious situations, from natural disasters like earthquakes and volcanic eruptions, to disease outbreaks, which can affect your holiday plans and also the cover on your overseas travel insurance policy.
If you buy your travel insurance after an event is deemed a known event, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for your overseas travel destination as well as information on the official government Smartraveller website so you know where you stand with regards to the cover that you will have on your international travel insurance policy.
Perhaps the weather was bad, you didn’t enjoy your horse riding tour or the landmarks and museums you were sightseeing didn’t live up to the expectation. Whatever the reason you’re unhappy with how your trip has shaped up, your travel insurance policy is not intended to compensate you because you didn’t enjoy your time there.
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
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