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Travel Insurance for Sports and Activities

From snorkelling and hiking to abseiling to quad biking, having travel insurance for adventure sports and adventure activities can cover you while travelling the globe.

Travel Insurance for adventurous travellers 

Adventure travel insurance is designed for thrill-seeking travellers who want to test their limits with extreme sports and activities.

Some travellers dream of a relaxing vacation on a beach under the sun, marvelling at priceless art in museums, or visiting famous landmarks and historic sites. But for the more adventurous travellers, the best holidays are the ones that give you an incredible adrenaline rush!

Do you want to bungee jump, skydive or swing across a canyon? Trek to Everest base camp or hike the Kokoda Trail? Or perhaps explore the road less travelled on the back of a horse or a quad bike?

If that sounds more like you, we’d say you’re planning an adventure holiday!

Being adventurous doesn’t mean forgoing personal safety though, and even the most experienced adventurers can run into trouble overseas. It's important to make sure you purchase an adventure travel insurance policy that will cover all the exciting activities you want to do.

Fast Cover has your back when it comes to adventure travel insurance. You can head off feeling confident that you’re covered if something unexpected does happen.

What is “Adventure Sports” or “Adventure Activities”?

Adventure Sports and Activities are activities and sports that you will need cover for when travelling overseas. Fast Cover has some activities that are covered and some you will need to purchase the Adventure Pack to cover you for those activities and sports. This depends on what you will be participating in when travelling. You can purchase cover for activities like bungee jumping, scuba diving, hiking, trekking and sailing under our policies.

What Adventure Activities are covered?

We can provide cover for the activities listed below - some are automatically covered, while some require you to add on a specific pack or to select the activity when you purchase your policy.

Depending on the activity that you're planning on doing, you may need to add or choose more than one pack and/or activity type for your travel insurance policy.

It's possible that if what you wish to do isn't on the list, or you don't purchase the appropriate pack or policy type, then there's no cover for that activity.

If you're unsure or want to discuss yout options, contact our Customer Service team on 1300 409 322.

Automatically covered
Activity requires the Adventure Pack
Cruising is NOT covered under the Adventure pack, requires the Cruise policy
Snow sports is NOT covered under the Adventure pack, requires the Snow Sports Plus policy.
Motorcycle, moped or scooter riding is NOT covered under the Adventure pack, requires the Motorcycle Pack.
Rental Vehicle Insurance Excess on your rental vehicle insurance policy is NOT covered under the Adventure pack, requires the Rental Vehicle Insurance Excess benefit.
Abseiling
Animal conservation and handling
Under appropriate supervision
Aqua zorbing
Automatically covered
Archery
Automatically covered
Ballooning
With a regulated and licensed operator
Automatically covered
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
Automatically covered
Boxing
Basic training only, no sparring, no competition
Bungee jumping or canyon swinging
Automatically covered
Camel, donkey or elephant riding
Under appropriate supervision
Automatically covered
Cave/river tubing
Caving/potholing
Contact sports
Basketball, rugby, Australian Rules football, American football, dodgeball, field hockey, hurling, Gaelic football, lacrosse, roller derby, and squash.
Cruise: on cruise ship in Australia, New Zealand or South Pacific regions for 1 or more nights
(Cruising is NOT covered under the Adventure pack, requires the Cruise policy)
Cruise: on cruise ship within Asia, Europe or Worldwide regions for 4 nights or more
(Cruising is NOT covered under the Adventure pack, requires the Cruise policy)
Cruise: on the river; with no overnight stay; for 3 nights or less within Asia, Europe or Worldwide regions
Automatically covered
Dancing
Automatically covered
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).
If not taking a cruise
& If also on cruise ship (Cruising is NOT covered under the Adventure pack, requires the Cruise policy)
Dog sledding
Automatically covered
Expeditions to or on the Kokoda Track/Trail
Fishing
On land or within 2 nautical miles of a land mass.
Automatically covered
Flying fox/zip lining
Golf
Automatically covered
Go-karting
Automatically covered
Gym activities
But not powerlifting.
Automatically covered
Gymnastics
But not competitions.
Automatically covered
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.
Automatically covered
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.
Hire/rental car
Rental vehicle insurance excess cover only
(Rental Vehicle Insurance Excess on your rental vehicle insurance policy is NOT covered under the Adventure pack, requires the Rental Vehicle Insurance Excess benefit)
Horse riding
But not competitions, equestrian events, steeple chasing, jumping, or polo.
Automatically covered
Ice skating on a rink
But not including competitive skating, racing, speed skating, and tour skating.
Automatically covered
Indoor rock climbing
Under appropriate supervision.
Automatically covered
Jet boating
Must be with a licensed operator, no competition or racing, no stunts or jumping off ramps.
Automatically covered
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 covered
Martial arts
Basic training only, no sparring, no competition.
Motorcycle, moped or scooter - rider
  • You as the rider in control must wear a crash helmet (this is irrespective of the law in the country you are in); and
  • If you are the rider in control of a motorcycle, moped or scooter with an engine capacity of 125cc or less, you must hold both a current Australian Drivers Licence (Provisional or higher) (regardless of the local laws) and a licence valid for the country that you are riding in; and
  • If you are the rider in control of a motorcycle, moped or scooter with an engine capacity greater than 125cc, you must hold both a current Australian Motorcycle Licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter (regardless of the local laws) and a licence valid for the country that you are riding in.
(Motorcycle, moped or scooter riding as a rider is NOT covered under the Adventure pack, requires the Motorcycle Pack)
Motorcycle, moped or scooter - passenger
  • You must wear a crash helmet (this is irrespective of the law in the country you are in); and
  • 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 in.
(Motorcycle, moped or scooter riding as a passenger is NOT covered under the Adventure pack, requires the Motorcycle Pack)
Orienteering
Automatically covered
Outdoor rock climbing
Only with a licensed commercial operator and ropes and appropriate safety gear but not free solo climbing.
Paintball
With eye protection.
Automatically covered
Quad biking & Recreational all-terrain vehicles
Only single rider with maximum one passenger, and no jumping, racing or competition.
Racing on foot for distances up to and including full marathon (42.2 kilometres or 26.2 miles)
Automatically covered
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.
Automatically covered
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.
Automatically covered
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.
Automatically covered
Sailing up to 10 nautical miles off any land mass
Automatically covered
Sailing from 10 nautical miles up to 15 nautical miles off any land mass
But not competition or racing.
Sandboarding
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 covered if not taking a cruise
If also on cruise ship (Cruising is NOT covered under the Adventure pack, requires the Cruise policy)
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.
If not taking a cruise
& If also on cruise ship (Cruising is NOT covered under the Adventure pack, requires the Cruise policy)
Segway tours
Shark cage diving
Subject to diving restrictions listed above.
Automatically covered
Shooting fixed targets
Only at a licensed commercially operated shooting range.
Automatically covered
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.
Automatically covered
Snorkelling
Automatically covered
Snow sports
  • 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

But not including racing, acrobatics, jumping, aerial, stunting or freestyle.

(Snow sports is NOT covered under the Adventure pack, requires the Snow Sports Plus policy)
Snow sports which must be done with a professional snow sports 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)

But not including racing, acrobatics, jumping, aerial, stunting or freestyle.

(Snow sports is NOT covered under the Adventure pack, requires the Snow Sports Plus policy)
Surface water activities
Other than sailing - Up to 2 nautical miles off any land mass.
Automatically covered
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
Automatically covered
Ultimate frisbee
Automatically covered
Water Polo
Automatically covered
Water skiing, jet skiing, speedboating, wakeboarding & tubing
Must be with a licensed operator, no competition or racing, no stunts or jumping off ramps.
Weight lifting and body building
Automatically covered

What are the benefits of Adventure Travel Insurance?

Our policies automatically include 24 hour Emergency Assistance plus cover for Emergency Medical and Hospital Expenses.

When deciding on the level of cover you'll need for your trip, consider what’s most important to you and choose a policy that will cover:

  • Cancellation Costs
  • Luggage and Personal Belongings
  • Gear and Equipment
  • Travel Documents, Cash, Credit Cards & Travellers Cheques
  • Travel Delay Expenses
  • Special Event Transport Expenses
  • Rental Vehicle Insurance Excess

The table below is only a summary of benefits. Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website. Benefit limits shown apply per person for both Singles and Duo policies. # These benefit limits are shared between Duo policy holders. ~ These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately. ^ Cover under these benefits are excluded while travelling within Australia. If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.


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 back to Australia (per person)

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

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

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
up to $2,000		 $7,500 $5,000 $15,000 $15,000 $15,000

Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (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
up to $8,000		 Optional
up to $8,000		 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 back to Australia (per person)

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

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

COVID-19 Trip Cancellation & Disruption

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

Importance of Adventure Sports and Activities Travel Insurance

It is important to take out additional cover for adventure and activities when travelling abroad. Making sure you have cover could save you hundreds and thousands of dollars on medical and cancellation costs.

It is always a good idea to check what activities are covered by your insurance and what you will need to add on the adventure pack for. This can be added after you purchase the policy or when you first purchase.

What type of activities are you covered for?

Our adventure travel insurance can provide cover for your health, personal belongings and prepaid activities or tour bookings anywhere in the world.

We cover a huge range of sports and activities on all of our policies, an Adventure Pack option to cover extra adrenaline pumping activities, and also a Motorcycle Pack option to cover you if you're planning on riding a motorcycle, moped or scooter.

What Adventure Sports are you NOT covered for?

If you are doing something more adventurous and it is not on the list of our included activities or on our Adventure Pack list there is no provision to claim for medical or cancellation in relation to that activity. If you are unsure call our Customer Service team on 1300 409 322.

Need Ski or Snowboarding travel insurance cover? 

If you're planning on hitting the slopes, we also cover snow activities as well as your winter gear and equipment under our Snow Sports Plus plan.

Go skiing in Australia and our Domestic 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 Sports activities covered under our snow policy

If you are going skiing or snowboarding, you can select cover for these activities. If you don’t, skiing, snowboarding and other snow sports activities are NOT covered with any of our policies.

Sport
Limitations
Off Piste and Backcountry If you're a more adventurous skier or snowboarder, we cover off-piste and backcountry skiing and snowboarding provided you are led by a professional snow sports instructor.
Cat Skiing and Snowboarding If you like to ski or snowboard in areas only accessible by snowcat, this is covered provided that you are led by a professional snow sports instructor.
Heli Skiing and Snowboarding If heli-skiing or snowboarding is your thing, this is covered provided that you are led by a professional snow sports instructor.
Advanced Terrain Are you a thrill seeker who loves skiing black diamonds? This is covered provided the run/ski area is open.
Snow Mobiling Going on a snowmobiling adventure? This is covered provided you do it through a licensed operator and are legally allowed to ride a snowmobile in the country you are in.
Terrain Parks Like to slide rails? We cover terrain parks provided these are accessible to the general public. 
Important: If you want to do huge jumps, unfortunately, this is something we do not cover.

All Snow Sports activities must be amateur activities that do not involve any form of racing, acrobatics, jumping, aerial, stunting or freestyle.

Why choose Fast Cover for your adventure travel insurance?

Fast Cover has a range of different policies to suit all traveller types and budgets no matter what you're up to or where you're headed.

Our adventure travel insurance can provide you with 24 hour Emergency Assistance and essential cover for medical emergencies and other unexpected expenses.

Talk to us today to find a policy which suits your adventure holiday itinerary so you can set off with the confidence of knowing you’re covered.

australian call centre

Our call centres are based in Australia so you'll only ever talk to Australian based sales & claim staff.

48 hour price

The price on your quote is 'Locked In' for 48 hours.

24-7 assistance

Wherever you're travelling and whenever you need us, our 24/7 worldwide expert assistance team are ready and waiting to help.

australian

We're Australian, so we understand how Aussies travel and you'll only ever talk to Australian based sales and claim staff.

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Things you need to know

^ Price as at 27/10/2024 compared to the price calculated today for this policy.

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