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Travel insurance for sports and leisure activities

From sight-seeing to snorkelling, Fast Cover includes cover for a wide range of non-contact sports and leisure activities, helping to keep you protected on your travels. Here are some of the covered sports and leisure activities included in our policies:

  • Archery 
  • Bicycling ^ 
  • Bungee jumping or canyon swinging 
  • Fishing ^ 
  • Indoor rock climbing ^ 
  • Golf 
  • Camel, donkey or elephant riding ^ 
  • Horse riding ^ 
  • Leisure activities ^ 
  • Safari ^ 
  • Shark cage diving ^ 
  • Surface water activity like surfing ^ 
  • Snorkelling 

You must comply with the participation limitations and conditions of the non-contact sports and leisure activities you participate in. For more information on participation limitations and conditions for each activity, read our full list of covered activities below.

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What it covers

Our policies provide cover for a list of non-contact sports and leisure activities. Check if cover is available for the activities you plan on doing on your trip.

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Optional extras

If you wish to be covered for more adventurous activities, check if your activity is covered under our optional cover, the Adventure Pack.


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Compare benefits

Not all travel insurance is the same. Compare your options side by side to find the cover that fits your trip, budget and travel style best.


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Every traveller’s needs are different, so check the PDS to find the right policy for you. Any advice is general advice only and doesn't consider your personal and financial circumstances.

Learn more about travel insurance for sports and leisure activities

Updated 16 June 2026

"Tatjana
Written by
Tatjana Bundalo
Ibrahim Fayad
Reviewed by
Ibrahim Fayad
Fact checked icon
Fact checked

Key takeaways about Fast Cover’s sports cover

  1. Included in all policies: Fast Cover policies include our list of covered sports and leisure activities. ^ 
  2. Cover for a wide range of benefits: Depending on the type of policy purchased, Fast Cover may be able to cover a wide range of situations such as non-refundable pre-paid tours if you have to cancel your trip, and overseas medical and hospital expenses if you get injured while participating in a covered sport or leisure activity. ^ 
  3. Activity participation limits and conditions: If you’re participating in a sport or leisure activity, you must comply with the participation limitations and conditions listed for the relevant activity in our PDS. ^ 
  4. Act in a reasonable way to protect yourself: It is a condition of cover for all activities that you act in a reasonable way to protect yourself. Using a properly licensed outdoor pursuits or sports organisation and to follow their instructions would generally satisfy this condition. ^ 
  5. Adventure Pack is needed for more adventurous activities: If you are taking a trip that involves more adventurous activities, we offer an optional Adventure Pack available to travellers aged 74 and under that includes cover for a wide range of adventurous activities. ^ 

This is only a summary of some things to know about our cover for sports and leisure activities, so always read the PDS before deciding to buy.

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 only a summary of some benefits available. Each policy has specific terms, conditions, exclusions, and limits. Not all benefits apply to all policies, so always read the PDS before deciding.

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. ^

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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.

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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. ^

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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. ^

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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. ^

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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. ^

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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.

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.

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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 up to 15 nm from a 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.

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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. 

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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 1night or more, you must specify cruise cover at the time of purchase   
  • If you are travelling on a cruise within Asia, Europe or Worldwide regions for 4 nights or more, you must specify cruise cover at the time of purchase.   

By adding this option, your existing travel insurance benefits will extend to when you’re on a cruise, whether it’s a domestic or international voyage. Adding cruise cover to your policy allows you to have cover both on board and on land, helping you stay covered throughout your entire trip. ^  

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.

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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 ‘Skiing or Snowboarding’ 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.

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Insurance cover options for sports and leisure activities

At Fast Cover, all of our travel insurance policies include the list of covered sports and leisure activities outlined above. The options below are a summary of some of the benefits available under the various policies, please read the PDS for full details.

Comprehensive Travel Insurance

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 Travel Insurance

The Standard Saver Travel Insurance policy provides many benefits similar to our Comprehensive policy, 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) Travel Insurance

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. ^

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. ^

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.

Frequent Traveller Saver

If you, your spouse and dependants go on adventure travels overseas frequently, you can get a quote for a Frequent Traveller Saver policy when you take out a 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. ^

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

Please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.  Remember to check the activity participation limitations and conditions.

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.

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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.

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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.

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These are only some of the situations that you might wish to consider when deciding if you need travel insurance with sports cover. Please do your own research to consider whether travel insurance is right for your personal and financial circumstances.

Before you decide whether you need travel insurance for sports, you should read the PDS to check what our travel insurance policies will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs.

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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:

You may wish to check whether your travel insurance policy provides cover for the types of sports and leisure activities you intend to participate in during your trip. Cover for certain adventure activities, riding a motorcycle or participating in snow sports may require an optional add-on, may incur an additional premium, and may be subject to eligibility criteria such as age limits and policy terms and conditions.

Keep in mind that sports, snow sports and adventure activities usually have participation limitations and conditions. Check if these align with how you intend to participate.

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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.

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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.

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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.

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These are just some of the considerations that you might wish to consider when reviewing the best travel insurance for sports, so you know what cover is available to you before and during your trip. Please remember to do your own research regarding this to make an informed decision based on your personal and financial circumstances.

Before you decide on the best international travel insurance for sports and leisure activities, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, personal or financial situation or needs.

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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.

Here are some examples of when cover may not be available. Always check the PDS and TMD to understand the policy terms, conditions, exclusions, limits and sub limits before making your decision to buy.

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.

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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.

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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.

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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.

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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.

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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.

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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.

Compare travel insurance benefits

Depending on the level of cover you take out with our travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected medical and financial circumstances. Compare some of our travel insurance policies below.

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

Ready to explore?

Get a travel insurance quote for your next holiday and compare the benefits before you go.

Where is your next holiday?

From snorkelling in the Philippines, to ballooning over Cappadocia in Turkey and go-karting in Japan, discover travel insurance for your next destination.
 
 
 
 
 
 
 
 
 
 
 
 

FAQs about travel insurance for sports and leisure activities

Leisure activities are included under Fast Cover travel insurance policies. These are activities involving minimal physical exertion and undertaken for relaxation or pleasure—for example, sightseeing, picnics, photography, and visits to museums or art galleries. 

Whether a claim for leisure activities is payable will depend on your policy type, the specific circumstances, the type of expenses you’re claiming, and the policy terms, conditions, exclusions, limits and sub-limits. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

Contact sports are NOT automatically covered under the Covered Sports and Leisure Activities listed on your travel insurance policy. 

For cover to be available for contact sports such as basketball, rugby, Australian Rules football, American football, dodgeball, field hockey, hurling, Gaelic football, lacrosse, roller derby, and squash, you will need to add the Adventure Pack to your travel insurance policy for an additional premium. 

Note the Adventure Pack is not available with the Basics policy. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Bungee jumping is included as a listed activity under all Fast Cover travel insurance policies, within Covered Sports and Leisure Activities. 

Note that it is a condition of cover for all activities that you act in a reasonable way to protect yourself. The best way that you can do this is to enjoy your activities with a properly licensed outdoor pursuits or sports organisation and to follow their instructions.  

The activity must not be undertaken in a professional capacity.  

Whether a claim relating to this activity is payable will depend on your policy type, the specific circumstances, the type of expenses you are seeking, the policy terms, conditions, exclusions, limits and sub-limits. 

Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Any advice is general advice only and does not take into account your individual objectives, financial situation, or needs. Please consider the PDS before making any decisions regarding the purchase of travel insurance.

The Nevis Swing is considered a form of bungee jumping and is included under Fast Cover travel insurance policies. 

It’s a condition of cover for all activities that you take reasonable precautions to protect yourself. The best way to do this is to take part in the activity with a properly licensed outdoor pursuits or sports organisation and follow their instructions. 

Whether a claim for the Nevis Swing is payable will depend on your policy type, the specific circumstances, the type of expenses you’re claiming, and the policy terms, conditions, exclusions, limits and sub-limits. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

Surface water activities (other than Sailing) up to 2 nautical miles off any land mass, including body boarding, body surfing, paddle boarding, surfing, skim boarding, windsurfing are covered under our Covered Sports and Leisure Activities.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

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.   

Camel, donkey, or elephant riding is considered an animal encounter, and is automatically covered under Sports and Leisure Activities. The activity must be done in a controlled, enclosed environment with a licensed operator. 

Whether a claim for animal encounters is payable will depend on your policy type, the specific circumstances, the type of expenses you’re claiming, and the policy terms, conditions, exclusions, limits and sub-limits. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

Yes, you can! Fast Cover automatically provides cover for hiking, trekking or tramping, peaking at altitudes below 3,000 metres, where specialist climbing equipment is not required, this is covered under our Covered Sports and Leisure Activities. 

Cover may be available under your travel insurance policy for scuba diving or diving under water using an artificial breathing apparatus depending on the depth you are diving. 

Diving up to 10 metres: 

Cover for diving to a depth no greater than 10 metres is available under the Covered Sports and Leisure Activities. You must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities. 

Diving between 10 – 30 metres: 

Cover for diving to depths between 10 metres and 30 metres is available under the Adventure Activities Covered by the Adventure Pack. Therefore, you will need to add the Adventure Pack to your travel insurance policy for an additional premium if you wish to Scuba Dive between 10m and 30m.  You must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities. 

Diving greater than 30 metres: 

Fast Cover does not provide cover for diving at depths greater than 30 metres. 

Note: 

The Adventure Pack is not available with the Basics policy. 

If you plan to scuba dive during a cruise for 1 or more overnight stays in Australia or 4 or more nights overseas on a cruise ship, you must specify cruise cover. 

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.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Cover for dog sledding is available under the Fast Cover Travel Insurance policy, provided it is a recreational, non-competitive activity. You are not required to purchase the Snow Sports Plus policy to be covered for dog sledding. 

Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Any advice is general advice only and does not take into account your individual objectives, financial situation, or needs. Please consider the PDS before making any decisions regarding the purchase of travel insurance. 

As each individual’s circumstances are different, we will assess each claim on a case-by-case basis in accordance with your specific circumstances, policy terms, and Certificate of Insurance. 

Racquet and ball sports that don’t involve physical contact are included under Fast Cover travel insurance policies. This covers activities such as badminton, baseball, bowling, bowls, cricket, croquet, golf, netball, snooker, soccer, softball, table tennis, tennis, touch football, and volleyball. 

For contact sports, including rugby, Australian Rules football, or American football, the Adventure Pack add-on can be considered to be purchased with your policy. The sport must also not be played professionally. The Adventure Pack is not available with the Basics policy. 

Whether a claim relating to a sport is payable will depend on your policy type, the specific circumstances, the type of expenses you are seeking, and the policy terms, conditions, exclusions, limits and sub-limits. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

Fast Cover travel insurance policies include a list of Covered Sports and Leisure Activities. If your sport isn’t on that list, you can check whether it appears in the Adventure Pack. If it is, you can add the Adventure Pack to your policy for an additional premium. 

If the sport is not listed under either the Covered Sports and Leisure Activities or the Adventure Pack, it is not covered under our policies. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

Cover is only available for sports and activities that are specifically listed as included under your policy, or in the Adventure Pack if you’ve purchased it. 

You should always check the PDS for a full list of automatically included and optionally covered activities. If you’re unsure whether your chosen activity is covered, it’s best to contact Fast Cover before you travel. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

The Basics policy automatically provides cover for a number of sports and leisure activities. If you are participating in adventurous sports that are not automatically covered, there will be no cover for these sports under the Basics policy. 

The Adventure Pack provides cover for more adventurous sports and can be added to our Comprehensive, Standard Saver, Snow Sports Plus, Frequent Traveller Saver and Domestic Plus policies for an additional premium.
Before you purchase your policy, you should check if the sport or activity that you will be doing is automatically covered, or covered under the Adventure Pack. There would be no cover for the activity if it is not listed in the automatically covered sports and leisure activities list or you have not purchased the Adventure Pack as a part of your policy.
If you have the Basics policy and the sport that you wish to do is covered under the Adventure Pack, you should contact us to upgrade your policy:
Phone: 1300 409 322 or dial +61 2 8215 7239 if you are still overseas
Email: info@fastcover.com.au

Note:

There is no cover if you participate in sports or activities which are  NOT listed as an automatically covered sport or leisure activity, or in the Adventure Pack.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

Travel Tips and Trends

Discover travel resources, advice and tips for your next trip.

world globe

Travel Guides

We’ve created travel guides for many destinations to help you learn about local safety, health tips, laws and customs, tourist advice, what to pack, transport options, contact details, and seasonal activities before you go. ~

stadium sports match

USA Sporting Events Guide

Discover top attractions and tips for the upcoming World Cup and Olympics hosted in the US. ~

woman with backpack standing in green field

Backpacker Travel, Health and Safety Tips

Fast Cover’s backpacking guide provides Australian backpackers with key health and safety travel tips for backpacking through Europe, Asia and beyond. ~

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.

† Fast Cover may have a referral arrangement with this company. Ratings and awards are only one factor to be considered when deciding whether this product is right for you. Ratings are accurate as at 16/06/26. Check Product Review and Google for current ratings. 

^ Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply to all policies. Make sure you consider the PDS and TMD at fastcover.com.au prior to deciding whether travel insurance is right for you and which policy is right for you and your individual needs.   

# If you change your mind within 25 days of purchasing your policy, you can cancel it for a full refund if you haven’t started your trip, haven’t made or intend to make a claim, used any of your rights under your policy, or used your policy to obtain a visa. After this period, partial refunds may apply as outlined in the PDS. 

~ These are only some of the resources, please do your own research to find out more information as per your specific needs and circumstances and whether the information provided in these resources is correct and current.