Activities in the air

What's Covered

• Overseas medical expenses (not available on the Domestic plan) if something goes wrong
  
• Loss, theft or damage to your luggage and personal effects - for example, losing your sunnies out of a hot air balloon 
• Accidental death

Cover for your gear

Cover is available for your gear under the luggage and personal effects benefit for accidental loss, theft and accidental damage for things like your hiking boots, camping equipment, sleeping bag and Gore-Tex jacket. 
For items on the more expensive side (over the sub limits in the PDS), you can avoid depreciation by choosing to specify these items when purchasing your policy for an additional premium.  

What's not covered

• Risky or reckless behaviour – there’s a reason why so many people are afraid of heights (because it can be dangerous) and whilst BASE jumping may look thrilling it’s not something we can cover.
• Taking part in activities while intoxicated.
• Travelling somewhere against Do Not Travel warnings or government advisories– if there’s advice saying don’t go don’t ignore it. This can include an entire country, region or local area.
• Racing or professional sports, ie, you are receiving a wage, salary or appearance fee for training for or participating in the activity.
• Taking part in a competitive record attempt involving aircraft.
• Medical expenses in Australia
• Personal liability - damage you cause to someone's property or if you injure someone arising from your ownership, possession or use (including as a passenger) of any aircraft. 

Activities we don't cover (some anyway)...

• Hunting
• Playing polo
• Mountaineering using support ropes
• Paragliding
• Rock climbing
• Abseiling
• Participating in BASE jumping
• Running with the bulls
• Pot holing

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.