Activities and Sports Travel Insurance

Activities and sports

Covered Sports and Activities

We provide cover for the activities listed below, some are covered, some require the Adventure or Motorcycle Pack to be added. If the activity you are doing is not listed, or you have not purchased the appropriate pack, there is no cover.
Cover is included
Activity Requires the Adventure Pack
Activity Requires the Motorcycle Pack
Abseiling
Animal conservation and handling
Under appropriate supervision
Aqua zorbing
Archery
Ballooning (with a regulated and licensed operator)
Battle Re-enactment
Not with firearms
Bicycling, recreational mountain biking and bicycle tours with a licensed tour operator
But not racing, motor cross, BMX, cross country or downhill mountain biking
Boxing
Basic training only, no sparring, no competition
Bungee jumping or canyon swinging
Camel, donkey or elephant riding
Under appropriate supervision
Cave/river tubing
Caving/potholing
Contact sports
Basketball, rugby, Australian Rules football, American football, dodgeball, field hockey, water polo, hurling, Gaelic football, lacrosse, roller derby, and squash.
Dancing
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, you must specify cruise cover).
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, you must specify cruise cover).
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, you must specify cruise cover).
Dog sledding
Expeditions to or on the Kokoda Track/Trail
Fishing
On land or within 2 nautical miles of a land mass.
Flying fox/zip lining
Golf
Go-karting
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 covered. Choose the Adventure Pack option for higher altitudes and Kokoda expeditions.
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.
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.
Martial arts
Basic training only, no sparring, no competition.
Moped or scooter riding
You must wear a helmet; you must hold a current Australian drivers licence (Provisional or higher) and a licence valid for the country you are riding in and the engine displacement must be no greater than 50cc.
Motorcycle riding
Rider
  • You must wear a helmet.
  • If you are the rider of a motorcycle, moped or scooter with an engine capacity of 50cc or less you must hold a current Australian Drivers Licence (Provisional or higher) and a licence valid for the country that you are riding in.
  • If you are the rider of a motorcycle, moped or scooter with an engine capacity greater than 50cc you must hold a current Australian Motorcycle Licence (Provisional or higher) valid for the same class of motorcycle, regardless of the local laws and a licence valid for the country that you are riding in.
  • If you hold a Provisional Australian Driver's or Motorcycle Licence you must comply with the restrictions of this type of license, regardless of the local laws.
Passenger
  • You must wear a helmet.
  • If you are the passenger on a motorcycle, moped or scooter the person in control must hold a current licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter that is valid for the country that you are riding in.
Orienteering
Outdoor rock climbing
Only with a licensed commercial operator and ropes and appropriate safety gear but not free solo climbing.
Paintball
With eye protection.
Quad biking & recreational all-terrain vehicles
Only single rider and no jumping, racing or competition.
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, oz tag, snooker, soccer, softball, table tennis, tennis, touch football, volleyball.
Rafting, or 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 for rivers or rapids graded IV or V under the International Scale of River Difficulty.
Rafting or kayaking in rivers or rapids graded IV or V under the International Scale of River Difficulty
But no competition or racing.
Safari
Under appropriate supervision, but not hunting.
Sailing up to 10 nautical miles off any land mass
Sailing from 10 nautical miles up to 15 nautical miles off any land mass
But not competition or racing.
Sandboarding
Scuba Diving
Up to 10 nautical miles off any land mass.
Segway tours
Shark cage diving
Subject to diving restrictions listed above.
Shooting
Fixed target only at a licensed commercially operated shooting range, choose the Adventure Pack option on(page 18) option for shooting moving targets.
Shooting moving targets
Such as clay pigeons, only at a licensed commercially operated shooting range (not including any live targets, game hunting or safaris).
Skateboarding, roller skating, inline skating
But not including vert skating or acrobatics.
Snorkelling
Surface water activities
Other than sailing - Up to 2 nautical miles off any land mass.
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.
Track and field athletics
Ultimate frisbee
Water polo
Water skiing, wakeboarding & tubing
Must be with a licensed operator; no competition or racing; no stunts or jumping off ramps.
Weight lifting and body building

Applies to:

Comprehensive
Standard Saver
Basics
Snow Sports Plus
Domestic Plus
Frequent Traveller Saver

Motorcycles & Mopeds

Need cover for riding a motorcycle, moped or scooter? Add the Motorcycle Pack to your policy.

For motorcycles, you’ll need a current Australian motorcycle licence, but there’s no limit on the engine size. If you’re riding mopeds and scooters, provided the engine capacity is 50cc or under, a current Australian drivers licence will be fine.

Whatever you’re riding, you also still need to adhere to the licensing requirements for the country you're travelling in.

Applies to:

Comprehensive
Standard Saver
Basics
Snow Sports Plus
Frequent Traveller Saver

Cruising the Oceans

It’s one of our most popular holiday options, but can also be one of our most expensive if you get sick or injured. Whether you’re just cruising our local waters or checking out the polar bears in Alaska, if you have a cruise policy and have a life threatening emergency, we’ll help you get back to shore ASAP.

Applies to:

Comprehensive
Standard Saver
Basics
Snow Sports Plus
Frequent Traveller Saver

Skiing & Snowboarding Overseas

Snow sports are exciting and fun, but come with their own risks. So if you’re planning on going overseas to ski, choosing our Snow Sports Plus policy will provide additional cover for:

  • Snow specific Emergency Medical Assistance
  • Snow specific Emergency Medical and Hospital Expenses
  • Your Snow sport equipment
  • The cost of your prepaid passes, equipment hire and lessons if you get injured or sick
  • Snow resort closure, bad weather or avalanche

Applies to:

Snow Sports Plus

Skiing & Snowboarding in Australia

Go skiing in Australia and our Domestic travel insurance policy includes cover for:

  • Your Snow sport equipment
  • The cost of your prepaid passes, equipment hire and lessons pack if you get injured or sick
  • Snow resort closure, bad weather or avalanche

Applies to:

Domestic Plus

Trekking to 3,000 metres

If you’re going walking, hiking, trekking or tramping and don’t need specialist climbing equipment, our policies will cover you for those activities.

Applies to:

Comprehensive
Standard Saver
Basics
Snow Sports Plus
Domestic Plus
Frequent Traveller Saver

Trekking to 6,000 metres

Get our Adventure pack if you’re doing a more specialised trek up to a maximum of 6,000 m and don’t need specialist climbing equipment, or going on the Kokoda trail.

Applies to:

Comprehensive
Standard Saver
Snow Sports Plus
Domestic Plus
Frequent Traveller Saver

Running & Playing sport

As long as you’re not playing and competing professionally, you’re covered under our policies.

You are covered for:

  • Racing on foot for distances up to and including full marathon (42.2 km)
  • Track and Field athletics
  • Racquet and ball sports not involving physical contact

Applies to:

Comprehensive
Standard Saver
Basics
Snow Sports Plus
Domestic Plus
Frequent Traveller Saver

Contact Sports

If you're doing contact sports (including any form of rugby, Australian Rules football or American football), just get our special Adventure pack added onto your policy, and you'll be right to go.

Applies to:

Comprehensive
Standard Saver
Snow Sports Plus
Domestic Plus
Frequent Traveller Saver

Scuba Diving to 10 metres

As long as you dive to a depth no greater than 10 metres and you have an open water diving licence recognised in Australia or dive with a licensed instructor, you’re good to go.

Applies to:

Comprehensive
Standard Saver
Basics
Snow Sports Plus
Domestic Plus
Frequent Traveller Saver

Scuba Diving to 30 metres

If you plan to dive up to a maximum depth of 30 metres, our Adventure pack will make sure that if you get in a bit of trouble, you can get the help you need.

Applies to:

Comprehensive
Standard Saver
Snow Sports Plus
Domestic Plus
Frequent Traveller Saver
 

Medical Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains home (per person)

$20,000 $20,000 $20,000 $20,000 $20,000

Overseas Emergency Medical & Hospital Expenses^

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Dental

$500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation & Repatriation

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Hospital Cash Payment^

sub-limits:

––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

$50 $50 $50

Accidental Death

Travellers Aged 80 to 89:
––– $25,000
$20,000
––– $25,000
$20,000
$25,000
$20,000
$25,000
$20,000

Accidental Death for travellers up to age 79

$25,000 $25,000 $25,000 $25,000

Accidental Death for travellers aged 80 - 89

$20,000 $20,000 $20,000 $20,000

Accidental Death of a Dependant (per Dependant)

$5,000 $5,000 $5,000 $5,000

Permanent Disability^

Travellers Aged 80 to 89:
––– ––– ––– $50,000
$20,000
$50,000
$20,000
$25,000
$20,000

Permanent Disability for travellers up to age 79

$50,000 $50,000 $25,000

Permanent Disability for travellers aged 80 - 89

$20,000 $20,000 $20,000

Permanent Disability of a Dependant (per Dependant)

$5,000 $5,000 $5,000

Loss of Income^

sub-limits:

––– ––– ––– $10,400 $10,400 $10,400

Weekly Limit (per person) - up to 26 weeks

$400 $400 $400

Financial Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Trip Cancellation Expenses

sub-limits:

––– Unlimited $25,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Close Relatives that do not meet Close relative conditions

$2,000 $2,000 $2,000 $2,000 $2,000

Personal Liability

$1,000,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Trip Disruption Expenses

sub-limits:

––– $50,000 $30,000 $50,000 $50,000 $50,000

Close Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $2,000 $2,000

Trip Resumption Expenses

––– $3,000 $2,000 $3,000 $3,000 $3,000

Luggage & Personal Effects

sub-limits:

Optional $7,500 $5,000 $15,000 $15,000 $15,000

Personal computers,video recorders or cameras (per item)

$3,000 $3,000 $3,000 $3,000 $3,000 $3,000

Mobile phones (per item)

$1,500 $1,500 $1,500 $1,500 $1,500 $1,500

Tablets (per item)

$1,000 $1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

$750 $750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items.

$2,000 $2,000 $2,000 $2,000 $2,000 $2,000

Passports, Credit Cards & Credit Card Fraud^

––– ––– $2,000 $5,000 $5,000 $5,000

Special Event Transport Expenses

––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Excess

sub-limits:

––– $5,000 Optional Optional Optional Optional

Return of Rental Vehicle

$500 $500 $500 $500 $500

Travel Delay Expenses

sub-limits:

––– $2,000 ––– $2,000 $2,000 $2,000

Daily Limit (per person)

(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)

$200 $200 $200 $200

Delay of Luggage and Personal Effects^

––– ––– ––– $750 $750 $750

Theft of Cash^

––– ––– ––– $250 $250 $250

Snow Sports Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Snow Sport Equipment

––– $1,500 ––– ––– $1,500 –––

Snow Equipment Replacement Hire

––– $1,500 ––– ––– $1,500 –––

Snow Prepaid Expenses

––– $750 ––– ––– $750 –––

Snow Resort Closure

sub-limits:

––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

$100 $100

COVID-19 Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains home (per person)

$20,000 ––– $20,000 $20,000 $20,000 $20,000

COVID-19 Trip Cancellation & Disruption

––– $3,500 $3,000 $5,000 $5,000 $5,000

Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.

 

Medical Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains home (per person)

$20,000 $20,000 $20,000 $20,000 $20,000

Overseas Emergency Medical & Hospital Expenses^

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Dental

$500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation & Repatriation

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Hospital Cash Payment^

sub-limits:

––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

$50 $50 $50

Accidental Death

Travellers Aged 80 to 89:
––– $25,000
$20,000
––– $25,000
$20,000
$25,000
$20,000
$25,000
$20,000

Accidental Death for travellers up to age 79

$25,000 $25,000 $25,000 $25,000

Accidental Death for travellers aged 80 - 89

$20,000 $20,000 $20,000 $20,000

Accidental Death of a Dependant (per Dependant)

$5,000 $5,000 $5,000 $5,000

Permanent Disability^

Travellers Aged 80 to 89:
––– ––– ––– $50,000
$20,000
$50,000
$20,000
$25,000
$20,000

Permanent Disability for travellers up to age 79

$50,000 $50,000 $25,000

Permanent Disability for travellers aged 80 - 89

$20,000 $20,000 $20,000

Permanent Disability of a Dependant (per Dependant)

$5,000 $5,000 $5,000

Loss of Income^

sub-limits:

––– ––– ––– $10,400 $10,400 $10,400

Weekly Limit (per person) - up to 26 weeks

$400 $400 $400

Financial Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Trip Cancellation Expenses

sub-limits:

––– Unlimited $25,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Close Relatives that do not meet Close relative conditions

$2,000 $2,000 $2,000 $2,000 $2,000

Personal Liability

$1,000,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Trip Disruption Expenses

sub-limits:

––– $50,000 $30,000 $50,000 $50,000 $50,000

Close Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $2,000 $2,000

Trip Resumption Expenses

––– $3,000 $2,000 $3,000 $3,000 $3,000

Luggage & Personal Effects

sub-limits:

Optional $7,500 $5,000 $15,000 $15,000 $15,000

Personal computers,video recorders or cameras (per item)

$3,000 $3,000 $3,000 $3,000 $3,000 $3,000

Mobile phones (per item)

$1,500 $1,500 $1,500 $1,500 $1,500 $1,500

Tablets (per item)

$1,000 $1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

$750 $750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items.

$2,000 $2,000 $2,000 $2,000 $2,000 $2,000

Passports, Credit Cards & Credit Card Fraud^

––– ––– $2,000 $5,000 $5,000 $5,000

Special Event Transport Expenses

––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Excess

sub-limits:

––– $5,000 Optional Optional Optional Optional

Return of Rental Vehicle

$500 $500 $500 $500 $500

Travel Delay Expenses

sub-limits:

––– $2,000 ––– $2,000 $2,000 $2,000

Daily Limit (per person)

(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)

$200 $200 $200 $200

Delay of Luggage and Personal Effects^

––– ––– ––– $750 $750 $750

Theft of Cash^

––– ––– ––– $250 $250 $250

Snow Sports Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Snow Sport Equipment

––– $1,500 ––– ––– $1,500 –––

Snow Equipment Replacement Hire

––– $1,500 ––– ––– $1,500 –––

Snow Prepaid Expenses

––– $750 ––– ––– $750 –––

Snow Resort Closure

sub-limits:

––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

$100 $100

COVID-19 Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains home (per person)

$20,000 ––– $20,000 $20,000 $20,000 $20,000

COVID-19 Trip Cancellation & Disruption

––– $3,500 $3,000 $5,000 $5,000 $5,000

Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.

 

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Things you need to know

^ Price as at 20/03/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.