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 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

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

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

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 of a Dependant (per Dependant)

$5,000 $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 with a Pre-existing Medical Condition

$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 unoccupied vehicle during daylight hours

$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.

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.

Things you need to know

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