Adventure Sports & Activities Travel Insurance Guide
Travel is about excitement and trying new things, but not all activities are covered under standard policies. Here is how to make sure your adventure is safe and insured.
1. Hiking and Altitude Limits
Most policies cover recreational trekking up to a certain altitude (commonly 3,000m or 4,000m). If you are doing Mount Kilimanjaro, Everest Base Camp, or the Inca Trail, you usually need high-altitude trekking extension cover.
- ✓Verify the altitude limit in your policy document before booking multi-day treks.
2. Water Sports & Scuba Diving
Kayaking, snorkelling, and standard surfing are usually covered. Scuba diving is typically covered provided you hold an open water PADI certificate or dive with a licensed instructor, with depth limits up to 30 metres.
- ✓Cave diving and unsupervised deep wreck diving are almost always excluded.
Frequently Asked Questions
Are bungy jumping and skydiving covered?
Many modern Australian policies cover bungy jumping and tandem skydiving with a licensed operator as standard, but always check the activity list in the PDS.
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General advice only. Please read your insurer's Product Disclosure Statement (PDS) to ensure a policy meets your personal needs before purchasing.