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Travel insurance for adventure activities

Tick off your bucket list with Fast Cover’s Adventure Pack

Ready for your next big adventure? Fast Cover’s Adventure Pack covers a list of adrenaline-pumping activities to help you tick off your bucket list.  Here are some of the adventure activities included as part of the Adventure Pack:

  • 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 ^ 

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

Our 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, Domestic Plus or Frequent Traveller Saver policy. ^

friends tandem skydiving

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What it covers

Our Adventure Pack provides cover for a list of adventure activities. Check if cover is available for the activities you plan on doing on your trip.

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How to add cover

Learn how to add the Adventure Pack as an optional add-on to your policy.


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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 adventure activities

Updated 12 June 2026

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

Key takeaways about Fast Cover’s travel insurance for adventure activities

  1. Activity participation limits and conditions: If you’re participating in an adventure activity, you must comply with the participation limitations and conditions listed for the relevant adventure activity in our PDS.  
  2. Amateur participation only: Cover for all adventure activities is limited to amateur participation. That means cover is not available for competitions and professional participation. 
  3. Age limit of 74 years and under: The Adventure Pack is available to Aussie travellers aged 74 and under at the date of policy issue when they purchase an eligible policy.  
  4. Eligible policies: The Adventure Pack is available as an optional extra on our Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus or Frequent Traveller Saver policy.   
  5. No cover for adventure activities without the Adventure Pack: Please note, if you do not purchase the Adventure Pack and participate in adventure activities, you will not have cover for those activities listed under the Adventure Pack in our PDS.  

This is only a summary of some things to know about the Adventure Pack, so always read the PDS before deciding to buy.

What does travel insurance for adventure activities cover?

Fast Cover’s Adventure Pack is an optional benefit that extends cover under a range of existing benefits when a claim arises from your participation in a list of adventure activities outlined below. The Adventure Pack may better help you deal with unexpected events related to those activities.

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 review the PDS before deciding.

Medical emergencies can happen while participating in adventure 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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An unexpected trip to a hospital overseas is the last thing you might want on your bucket list. If you get injured while participating in an adventure activity 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 cover reasonable overseas emergency medical and hospital expenses arising from unexpected injury sustained while participating in a covered adventure activity during your trip. Cover applies to expenses you have not been reimbursed for. ^

Please note: There is no cover for medical or other related expenses incurred in Australia. 

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If you become seriously injured or sick while participating in a covered adventure 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 an adventure 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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Cancelled adventures aren’t just disappointing, they can be expensive too. If you need to unexpectedly cancel your adventure holiday, 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 adventure trip off track, disrupting your planned adventure activity 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 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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While it’s not something we would want to think about, serious accidents can happen when participating in adventure activities. Fast Cover’s Accidental Death benefit can provide a lump sum payment to your estate if you are injured during your trip while participating in an adventure activity and you pass away because of that injury within 12 months of the injury date.  

The Accidental Death benefit is available under our Comprehensive, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.

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What activities does the Adventure Pack cover?

Fast Cover’s Adventure Pack is available to provide cover for the adventurous activities listed below. You must comply with the participation limitations and conditions of the adventure activities you participate in. These limitations and conditions are provided in italics following each activity they apply to in the list below. Cover for all adventure activities is limited to amateur participation.

  • Abseiling  
  • Animal conservation and handling (under appropriate supervision) 
  • Animal / Sealife encounters (in a controlled, enclosed environment with a licensed operator, no killer whales and no free diving) 
  • Battle re-enactment (not with firearms) 
  • Boxing (basic training only, no sparring, no competition)  
  • Cave/river tubing 
  • Caving/potholing 
  • Contact sports: basketball, rugby, Australian Rules football, American football, dodgeball, field hockey, hurling, Gaelic football, lacrosse, roller derby, and squash.  
  • 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) 
  • Expeditions to or on the Kokoda Track/Trail 
  • Flying fox/zip lining  
  • 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 
  • Martial arts (basic training only, no sparring, no competition) 
  • Outdoor rock climbing (only with a licensed commercial operator and with ropes and appropriate safety gear; but not free soloing) 
  • Quad biking & Recreational all-terrain vehicles (only single rider with maximum one passenger, and no jumping, racing or competition) 
  • Rafting or kayaking in rivers or rapids graded IV or V under the International Scale of River Difficulty (but no competition or racing) 
  • Sandboarding 
  • Sailing from 10 nautical miles up to 15 nautical miles off any land mass (but not competition or racing)  
  • 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) 
  • Segway tours 
  • Shooting moving targets, such as clay pigeons, only at a licensed commercially operated shooting range (not including any live targets, game hunting or safaris) 
  • 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) 
  • Water skiing, jet skiing, speedboating, wakeboarding & tubing (must be with a licensed operator; no competition or racing; no stunts or jumping off ramps) 

Please note, if you do not purchase the Adventure Pack and you participate in the above activities, you will not have cover.

How to add the Adventure Pack to your policy

If you are 74 and under and wish to be covered for an adventure activity listed under the Adventure Pack,  Fast Cover’s simple quote process can be completed online or over the phone to help you add the Adventure Pack to an eligible travel insurance policy. Below is some of the information which may be needed to get a quote with cover for adventure activities.

Enter your travel details

Enter all the destinations or regions you will be travelling to and add your travel dates.

Select who needs cover

Are you travelling solo, with a companion or with your family? Add all travellers and their details to your policy. 

Add trip details

Tell us if you’re going on a cruise, or skiing or snowboarding.

Add the Adventure Pack

Compare the policies available for your quote application, select your preferred policy and click ‘Next’. Then select the Adventure Pack from the list of available optional extras.

Complete the rest of your quote application by adding each traveller’s details and completing a medical screening.  Please note the Adventure Pack is not available on Basics policies.

Insurance cover options for adventure activities

At Fast Cover, the Adventure Pack can be added to a range of policy options where your trip includes adventure activities. The options below are a summary of some of the benefits available under the various policies, please see 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. ^

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. Please note, if the spouse and dependant are added on to the policy, they can only travel with the main policy holder for 100% of the trip. ^

Who can get travel insurance for adventure activities?

Whether you're adventuring solo, with your partner or family and friends, every journey and traveller is unique. Fast Cover’s Adventure Pack is designed to help a wide range of Aussies aged 74 and under tick off their adventure bucket list, including:

  • Weekend adventure seekers taking short action-packed getaways  
  • Digital nomads combining travel with adventure activities like quad biking 
  • Gap year travellers exploring adventure activities across different destinations  
  • Groups of friends travelling for activities like outdoor rock climbing 
  • Families seeking outdoor experiences such as water skiing 
  • Couples taking on active adventure holidays like hiking between 3000m and 6000m 
  • Solo backpackers adventuring across multiple countries 
  • Experienced travellers chasing high-adrenaline activities like tandem skydiving or caving 

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

Do I need travel insurance for adventure activities?

Whether you’re planning to go quad biking in Bali, zip lining in New Zealand or water skiing in Croatia, we understand that unexpected situations and factors outside of your control can arise while participating in adventure activities and may leave you with out of pocket expenses. Travel insurance with cover for adventure activities can help reimburse you the cost associated with the unforeseen events that could impact your trip if the unexpected happens. Please consider your personal and financial circumstances, along with the T&Cs of our PDS, before deciding whether Fast Cover’s Adventure Pack and eligible policy is right for you. 

Here are some situations which you might consider when deciding if you need travel insurance with cover for adventure 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 adventure activities overseas such as quad biking, hiking between 3000m and 6000m or zip lining and incur emergency medical and hospital expenses. 

This could include treatment for fractures, dislocations, dehydration, infections or other unexpected injuries sustained during a covered adventure 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 adventure 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 adventure 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 adventure activity 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 for adventure activities. 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 adventure activities, you should read the PDS to check what our 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 adventure activities?

The best travel insurance for adventure 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 adventure travel, it’s important to choose a policy that aligns with your specific travel plans and the adventure 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 adventure activities to help you decide which policy may be right for you:

Are you planning to participate in adventure activities on your trip? 

You may wish to check whether your travel insurance policy provides cover for the types of adventure activities you intend to participate in during your trip. Cover for certain adventure activities 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. 

At Fast Cover, the Adventure Pack is available as an optional cover for Aussie travellers aged 74 years and under at the date of policy issue when purchased with a Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus or Frequent Traveller Saver policy. Keep in mind that 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 adventure activities isn’t always the cheapest policy available; it’s the policy that provides a suitable level of cover for your trip, destination and planned activities.

Fast Cover offers a range of travel insurance policies which travellers can add the Adventure Pack to. For example, our Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies all allow you to add on the Adventure Pack, but the 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 adventure activities 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 adventure activities, 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 adventure 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 adventure activities, 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 travel insurance for adventure 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 adventure activities?

It’s important to know not just what your travel insurance for adventure activities 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.

If you’re injured in an accident while, for example, quad biking in Bali, and you didn’t add the Adventure Pack to your eligible travel insurance policy, you may be responsible for paying your overseas medical and hospital expenses because you did not choose to include cover for that under your policy. 

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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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, Domestic Plus or Frequent Traveller Saver policy. Travellers aged 75 and over at the date of policy issue are not eligible for the Adventure Pack.

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The Adventure Pack does not provide cover if the claim or loss is for permanent disability under Benefit 10, loss of income under Benefit 11, or personal liability under Benefit 18.

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Cover for all adventure activities listed in the Adventure Pack is limited to amateur participation. There is no cover for competitions or professional participation in adventure activities. Please note you must comply with the participation limitations and conditions of the adventure activities you participate in listed in the Adventure Pack.

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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 quad bike without the required safety gear or while under the influence of drugs or alcohol.

Remember that possession of certain drugs is illegal and different countries will have different laws. Using drugs or selling them can land you in trouble with the law overseas.

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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 you didn’t enjoy the weather, your adventure activity, or the experience 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. Please note the Adventure Pack is not available with the Basics policy.

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 tick off your adventure bucket list?

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

Where is your next adventure?

From scuba diving in the Philippines to quad biking in Bali and zip lining in Canada, discover travel insurance for your adventure destination.
 
 
 
 
 
 
 
 
 
 
 
 

FAQs about travel insurance for adventure activities

The additional premium for the Adventure Pack varies depending on the policy you have chosen and your circumstances, including factors such as your age, your travel destination, the duration of your trip, and the type of policy you select. 

The Adventure Pack is not available with the Basics policy, and you must be aged 74 and under at the date of policy issue to purchase the Adventure Pack. 

To find out the specific cost of adding the Adventure Pack to your policy, please contact us by email at info@fastcover.com.au or by phone on 1300 409 322. 

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 Adventure Pack is an optional add-on that gives you cover for a range of adventure activities that aren’t automatically included in your base policy. 

If you don’t have a policy yet: 

You can simply select the Adventure Pack when you buy your policy online. It’s available with Comprehensive, Standard Saver, Frequent Traveller Saver, Snow Sports Plus, and Domestic Plus policies. It can’t be purchased on its own and isn’t available with the Basics policy. 

If you already have a policy and want to add the Adventure Pack: 

Just get in touch with Fast Cover Travel Insurance and we’ll help you out: 

Phone: 1300 409 322 

Email: info@fastcover.com.au 

Remember, the Adventure Pack needs to be added before you take part in any of the activities it covers. It can’t be applied to activities you’ve already done before it appears on your Certificate of Insurance. 

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 Adventure Pack may cover you for listed activities if you accidentally injure yourself while taking part in them. 

Whether a claim for an activity 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. 

The Adventure Pack cannot be purchased as a standalone product. It’s only available as an add-on to selected Fast Cover travel insurance policies, specifically: Comprehensive, Standard Saver, Frequent Traveller Saver, Snow Sports Plus, and Domestic Plus policies. 

It is not available with the Basics policy and must be added before participating in any listed adventure activity. The Adventure Pack provides cover for certain higher-risk sports and activities that aren’t automatically included in the standard policy. 

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. 

You may be eligible to purchase the Adventure Pack add-on if you are aged 74 years or under at the time you buy your policy. This add-on can be included with select policy types and provides cover for certain sports and adventure activities that aren’t automatically included in the standard policy. 

Eligibility for the Adventure Pack is determined at the time of policy purchase and is subject to the overall eligibility criteria for the base policy selected. 

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. 

Adventure travel hub

Discover travel resources, advice and tips for your next adventure 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. ~

Adventure travel hub

Plan your next adventure holiday with Fast Cover's Adventure Travel Hub and explore tips, travel inspiration and adventure activities for your next trip. ~

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 28/05/26. 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.