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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?
Under appropriate supervision
Not with firearms
But not racing, motor cross, BMX, cross country or downhill mountain biking
Basic training only, no sparring, no competition
Under appropriate supervision
Basketball, rugby, Australian Rules football, American football, dodgeball, field hockey, water polo, hurling, Gaelic football, lacrosse, roller derby, and squash.
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).
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).
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).
On land or within 2 nautical miles of a land mass.
But not powerlifting.
But not competitions.
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.
Peaking at altitudes between 3,000 metres up to 6,000 metres (not higher) but only where specialist climbing equipment is NOT required.
But not competitions, equestrian events, steeple chasing, jumping, or polo.
But not including competitive skating, racing, speed skating, and tour skating.
Under appropriate supervision.
Must be with a licensed operator, no competition or racing, no stunts or jumping off ramps.
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.
Basic training only, no sparring, no competition.
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.
- 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.
- 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.
Only with a licensed commercial operator and ropes and appropriate safety gear but not free solo climbing.
With eye protection.
Only single rider and no jumping, racing or competition.
Not involving physical contact: badminton, baseball, bowling, bowls, cricket, croquet, golf, netball, oz tag, snooker, soccer, softball, table tennis, tennis, touch football, volleyball.
Choose the Adventure Pack option for rivers or rapids graded IV or V under the International Scale of River Difficulty.
But no competition or racing.
Under appropriate supervision, but not hunting.
But not competition or racing.
Up to 10 nautical miles off any land mass.
Subject to diving restrictions listed above.
Fixed target only at a licensed commercially operated shooting range, choose the Adventure Pack option on(page 18) option for shooting moving targets.
Such as clay pigeons, only at a licensed commercially operated shooting range (not including any live targets, game hunting or safaris).
But not including vert skating or acrobatics.
Other than sailing - Up to 2 nautical miles off any land mass.
You must be in tandem with an instructor licensed for these activities.
Must be with a licensed operator; no competition or racing; no stunts or jumping off ramps.
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^ |
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.
Our call centres are based in Australia so you'll only ever talk to Australian based sales & claim staff.
The price on your quote is 'Locked In' for 48 hours.
Wherever you're travelling and whenever you need us, our 24/7 worldwide expert assistance team are ready and waiting to help.
We're Australian, so we understand how Aussies travel and you'll only ever talk to Australian based sales and claim staff.
^ Price as at 20/03/2024 compared to the price calculated today for this policy.
* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.