Is bungee jumping covered?

Yes, bungee jumping is covered as standard as part of our travel insurance policies, subject to policy terms, conditions, exclusions and applicable limits. Up to a maximum of three jumps may be covered, and we also require the activity to be: with a commercial operator not be considered extreme risk (as determined and publicly advertised by the commercial operator through which you are participating in this activity) open to the general public, without requiring specialised skill or a high degree of fitness.

Is scuba diving covered?

Scuba diving § is included as standard, with coverage up to 30m depth, subject to policy terms, conditions, exclusions and applicable limits. For dives between 30m–50m, you'll need to purchase the Activities Plus Add-On. For dives between 30m–50m you must be: diving under the direction of an accredited dive marshal, instructor or guide, or if qualified, diving within the guidelines of the relevant diving or training agency or organisation and not diving alone.

Are pre-existing injuries included?

If you have any pre‑existing medical condition, such as an injury, then you won’t be covered for any claim that arises from that pre‑existing medical condition unless you have applied for cover, it has been accepted by us, and you have paid any applicable premium. For more details, read the PDS .

Is repatriation covered?

Repatriation is covered under all of our international policies. See your PDS for more information.

Ongoing Travel Alerts: The Middle East conflict. See all travel alerts here.

Adventure & Sports Travel Insurance

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Travel Insurer

+2 Million Aussie Travellers
covered so far

24-hour Global Emergency Assistance Network

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What Is Sports & Adventure Travel Insurance?

Aussies are an adventurous bunch, which is why InsureandGo Australia’s travel insurance policies cover more than 150 sports and activities as standard. From everyday sports to popular holiday activities, you can enjoy your next adventure knowing you’re prepared if things go wrong.

For added flexibility, you can also upgrade your cover to include activities that aren’t covered as standard. Our Adventure Plus upgrade extends cover to a wider range of sports and activities, such as scuba diving, trekking, abseiling and hang-gliding.

And if you’re heading to the mountains for a spot of skiing or snowboarding, our Winter Sports Upgrade helps with your adventures on the slopes.

When participating in any activity, to have cover you must follow all the safety guidelines, and use any recommended safety equipment, and be participating in amateur activities only – there’s no cover for professional sports.

Why Travel With Us?

Unlimited Overseas Medical Expenses - Includes emergency treatment, hospital care, medical evacuation and additional expenses relating to your care.

Trip Cancellation - Recoup your costs if you need to cancel your trip due to a coverable listed event detailed in the PDS, like injury or illness§.

Luggage & Personal Effects - Up to $15,000 for lost, stolen or damaged luggage with our Gold Policy§.

Pre-Existing Conditions - We consider all pre-existing medical conditions and require no upfront medical certificates upon application

Car Rental Excess - Up to $8,000 in excess charges for rental car damage or vehicle theft with our Gold Policy§.

Sports & Activity Cover - 90+ sports and leisure activities automatically covered. Plus, the option to add coverage for winter and higher-risk activities.

Choose your level of adventure and sports travel cover

InsureandGo Australia offers different levels of sports and adventure cover depending on the travel insurance policy you choose, and whether you add the Adventure Plus Add-On or Winter Sports Upgrade.

Levels of sports and adventure cover

Standard sports and activities	Covers a range of low-risk sports and activities as standard.
Adventure Plus upgrade	Optional upgrade that extends cover to selected higher-risk sports and activities, with benefits payable up to the applicable policy limits.
Winter Sports upgrade	Optional upgrade for snow and ski activities, with benefits payable up to the applicable policy limits.

Why choose InsureandGo Australia for sports and adventure travel insurance?

From everyday sports and activities to thrilling adventures, InsureandGo Australia makes it easy to tailor your cover to the activities you’re planning for your next trip. For the full list of activities covered under all of our policies, refer to the PDS.

150+ activities covered as standard

InsureandGo Australia’s travel insurance policies include cover for more than 150 sports and activities as standard, including many popular team sports and holiday activities. This means you’re already covered for a wide range of everyday adventures, without needing to add any extra cover.

Winter Sports Upgrade

Heading to the slopes? Our Winter Sports Upgrade adds cover for a range of snow and ski activities, along with benefits for certain winter sports expenses. This includes cover for pre-booked ski packs, lift passes, and damage to winter sports equipment ^§.

24/7 emergency assistance

Travel with added peace of mind, knowing you’re covered by a 24/7 global assistance team. InsureandGo Australia is backed by Europ Assistance, giving you access to more than 750,000 assistance providers in over 200 countries. Call us any time on +61 293 333 999.

What does the InsureandGo Australia Sports & Adventure Travel Insurance include?

Cover for many sports and activities is automatically included in our policies. A full list can be found in the PDS.

When participating in any activity, to have cover you must:

follow all the safety guidelines, and use any recommended safety equipment
be participating as an amateur
have purchased the Activities Plus or Winter Sports upgrade if required

Activities covered under our Sports & Adventure Travel Insurance include:

A: Abseiling (fully harnessed), Acrobatics, Aerobics, Air guitar, Archaeological digging, Archery (recreational only), Assault course (no weapons)^~#, Athletics

B: Badminton, Ballet, Banana boat rides, Baseball, Basketball, Battle re-enactment (no live firearms)^~#, Beach volleyball, Bird watching, Boogie (incl body boarding), Bouldering up to 5 meters, Bowling (lawn and ten pin), Breathing observation bubble diving (maximum depth 30m)^#, Bridge walking (supervised by a fully trained guide only)^#, Bungee jumping (3 jumps maximum)^#, Bushcraft

C: Camel riding, Canoeing (grade 1 & 2 rapids or lower)^~, Canoeing (grade 3 & 4 rapids)^~#, Canopy walking or tree top walking^#, Canyon swinging^#, Cave tubing^~#, Cheerleading, Clay pigeon shooting^~, Coasteering (recreational only)^~#, Colour Run, Conservation or charity work (educational and environmental working with hand tools only)^~, Cricket, Croquet, Curling, Cycle touring^#, Cycling

D: Dance, Darts, Dirt boarding (not racing or extreme ground conditions or stunts)^~, Dodge ball, Dragon boating (incl team paddling boating)^~

E: Electric scooter (helmet worn, obey all local rules for speed and location, speed limit of 25kmh)

F: Falconry^~#, Fencing, Finska, Fishing (incl deep sea — 1 single day tour only angling, spear fishing excluded, no cover for ice fishing unless winter sports purchased), Flow rider surf simulator, Fly by wire, Football^~

G: Geocaching, Go-karting^~#, Gold panning, Golf, Gondola ride, Gorge swinging or canyon swinging^#, Gorge walking^~#, Gym class (e.g. Pilates, Yoga, Zumba, Step, Body Attack, Body Balance, no contact), Gymnastics

H: Handball, Helicopter rides (professional pilot only)^#, Hockey, Horse riding (not polo, hunting or jumping)^~, Hot-air ballooning^~#

I: Ice skating^~, iFly (or similar), Indoor rock climbing with a harness only, Indoor skiing and tobogganing^~

J: Jet boating^~, Jet skiing^~, Jogging, Juggling, Jumping castle

K: Kayaking (incl Waka Ama grades 1 & 2 rapids or lower)^~#, Kayaking (incl Waka Ama grades 3 & 4 rapids or lower)^~#, Korfball

L: Land surfing^~#, Laser tag, Lugeing (not on ice)^#

M: Marathons^~, Martial arts (non-contact training only)^~, Mini golf, Motor cycling with an engine capacity up to 500cc^~, Mountain biking (not racing or extreme ground conditions or stunts), Mud buggying^~#

N: Netball

O: Obstacle course (incl Ninja Assault course), Octopush, Orienteering

P: Paintballing (wearing eye protection)^~#, Parasailing^#, Parascending (over water)^~#, Passenger in private or small aircraft or helicopter with licensed pilot only^~#, Pickleball, Playground

Q: Quad biking^~#

R: Racquetball, Rafting (incl white or black water grade 1-4 rapids)^~#, Rambling (incl tramping), Refereeing, River tubing^~#, Rock climbing (harnessed), Rogaine, Roller hockey (incl inline hockey), Roller skating (incl inline, no halfpipe or stunts), Rowing, Rugby codes^~, Running (sprint and long distance)

S: Safari, Sailing within territorial waters (1 single day tour only), Sand boarding, Sand dune safari, Sand yachting^~, Scuba diving (qualified, maximum depth 30m, not diving alone)^~, Scuba diving (unqualified but with instructor, maximum depth 30m)^~#, Sea canoeing or kayaking (incl Waka Ama, short or day trips only with overnight stays not on water)^~, Segway tours^~, Shark cage diving (incl croc diving)^~#, Skateboarding (recreational only, no racing, half pipe stunts or extreme skating), Sleigh rides (as part of a Christmas trip to Northern Europe)^#, Snooker, Snorkelling, Soccer, Softball, Speedboating (incl Jetboating)^~#, Squash, Stilt walking, Surfing (not big wave or extreme surfing), Swimming

T: Target rifle shooting^~, Tennis, Theme parks (incl amusement parks), Tough Mudder (incl True Grit, Spartan)^~, Trampolining (e.g. Bounce indoor trampolines), Trekking or hiking over 3000m altitude up to 5000m altitude^~#, Trekking or hiking under 3000m altitude, Tuk Tuk passenger

U: Ultimate frisbee, Unicycling

V: Video games (incl racing simulators), Virtual Reality games^~#, Volleyball, Volunteering (incl teaching using hand tools only, below a height of 5m, no cover for humanitarian aid work or healthcare work, or intentional contact with dangerous animals)

W: Wake boarding (no stunts such as jumping from ramps), Water polo, Water skiing, Water slides, Weightlifting (incl body building), Windsurfing^#

Y: Yachting (inside territorial waters, not racing)^~, Yoga

Z: Zip lining^~#, Zorbing^#

4: 4 Wheel Driving^~#

# means we require that these activities are:

with a commercial operator, and
not be considered extreme risk
open to the general public, without requiring specialised skill or a high degree of fitness.

~ means there is no cover for section F Accidental death and Permanent disability or Section G Personal Liability for this activity. Refer to the PDS for the full terms, conditions, limits and exclusions that apply.

What does the InsureandGo Australia Sports & Adventure Travel Insurance exclude?

You will only have cover for participating in activities that are listed as covered in the PDS. Some activities require the Activities Plus or Winter Sports upgrade to be purchased. Some excluded activities that are not covered under any level of cover are:

Team sports

Polo (field or horse)

Water sports

Boating in international waters (other than on a commercial cruise liner)
White or black water rafting (grade 5 or higher)
Yachting (sailing in international waters or racing)

Fitness and exercise

Boxing (including training)
Competitive cycling
Ultramarathons

Winter activities

Back country skiing (against local advice or warning)
Bobsleighing
Cross-country skiing (not on a designated cross-country ski route)
Freestyle skiing
Off-piste skiing (against local advice or warning)
Skeleton
Ski acrobatics
Ski/snowboard fun parks
Ski jumping or stunting
Ski racing (including training)

Leisure and recreation

Animal riding or trekking (any animal other than a horse, pony, donkey or camel)
Manual labour
Humanitarian or missionary work/travel
Working with animals

Adventure activities

Cliff diving or cliff jumping
Expeditions to isolated regions for research purposes or not part of a tour
Flying (piloting any aircraft)
Gliding alone
Gorge walking (private)
Hang gliding (alone)
Horse jumping
Hunting
Hydrospeeding
Microlighting
Motocross
Mountain biking (downhill racing, extreme conditions or stunts)
Mountain boarding
Mountaineering (involving climbing or ice equipment)
Parachuting
Paragliding (alone)
Parascending (over land or snow)
Potholing
Rock scrambling and free climbing
Running with the bulls
Skydiving (alone)
Via Ferrata

Activities Plus upgrade

If you're planning activities that aren't covered as standard, the Adventure Plus upgrade lets you extend your cover to include a wider range of higher-risk sports and endurance activities. You'll need to select this option and pay the applicable premium.

Activities covered under the Activities Plus option include:

Endurance cycling
Hydrofoiling^1,2
Kiteboarding^1,2
Lacrosse
Motorcycling with an engine capacity above 500cc²
Multi-day trekking more than 8 days (e.g. Kokoda Track)
Pony/horse trekking for more than one day
Roller derby
Scuba diving (maximum depth 30m–50m, under the direction of an accredited dive marshal, instructor or guide; or, if qualified, within the guidelines of the relevant diving or training agency and not diving alone)^1,2
Tandem paragliding^1,2
Tandem hang gliding^1,2
Tandem skydiving^1,2
Trekking or hiking between 5,000m–5,500m altitude¹
Triathlon (closed circuit, up to 1.5km swim, 40km ride and 10km run)

Some activities have special conditions. Please refer to the PDS to confirm if your activity is covered or if any special conditions apply.

Customer stories

"Travel insurance is the one vital travel expense we are willing to pay for and never use. We had been using InsureandGo for several years as the cover for snow sports is well priced and straightforward to understand, but had never needed to make a claim. That all changed in 2024 when one of our party broke their leg while skiing in Canada.

Contact with the team was good, though we learned quickly that when communicating across time zones, clarity is everything. References to "today" and "tomorrow" can mean very different things depending on where you are in the world. Once we started using actual days and dates, the whole process became much easier to navigate.

From there, things ran smoothly. We were personally escorted through the airports, repatriated back to Australia in business class with flat seating as required, and provided with ground transport home to Sydney.

Once home, the claims process was straightforward. We provided our travel documents, receipts and any supporting information Insure&Go needed. It can feel overwhelming, but the team is available by phone if you need guidance. Our claim was processed faster than expected and resolved fairly for both sides.

We have continued to use InsureandGo for subsequent holidays and wouldn't hesitate to recommend them."

— Simon, NSW

Destination: North America

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