Travel insurance for adventure activities and sports

TID doesn’t cover certain high-risk or extreme activities. Activities we don’t cover : hunting, playing polo, racing (except on foot), mountaineering using support ropes, paragliding, rock climbing, abseiling, participating in BASE jumping, running with the bulls, or pot holing, and any professional sporting activity.

There’s also no cover for reckless behaviour, intoxication-related incidents, or joining an activity without proper qualifications, licensing, or supervision where required. Other terms, conditions, limitations, and exclusions apply. See the Product Disclosure Statement (PDS) for more exclusions. 

Coverage is available for flying as a passenger on a commercial or licensed aircraft. Activities including bungee jumping, hot air ballooning, zip lining over water may be covered.

Some airborne activities fall under high-risk exclusions, such as activities including hang gliding, paragliding, and participating in any competitive record attempts involving aerial devices or aircraft.

Other terms, conditions, limitations, and exclusions apply. See the Product Disclosure Statement (PDS) for more exclusions. 

Coverage is available for recreational surfing, provided it’s done safely, within your ability, and under local safety guidance. There’s no cover for professional or paid surfing or taking unreasonable risks.

Surfboards and equipment aren’t covered while they’re in use, but may be covered if they’re lost or stolen, up to policy limits. Under TID’s The Works and Annual Multi Trip Plans we will pay for the cost of hiring replacement surf equipment up to the benefit limit if your golf or surf equipment is accidentally lost, delayed or damaged during your trip.

Other terms, conditions, limitations, and exclusions apply. See the Product Disclosure Statement (PDS) for more exclusions. 

Coverage is available for recreational jet-skiing when operated safely, legally, and within local rules. There’s no cover for racing, reckless riding, ignoring safety instructions, participating in a competition or paid event, or using a jet ski without the proper licences where required. Injuries involving intoxication or dangerous behaviour are also excluded. Make sure you understand the terms and conditions, and limitations in the PDS, including the general exclusions, before hiring or riding a jet ski overseas. Please note there are exclusions for personal liability related to your use of a mechanically propelled watercraft.

TID’s policies include cover for sports equipment that’s lost, stolen, or damaged, as long as it wasn’t in use at the time. Benefits and limits vary by plan, and depreciation or item limits apply. The Works and Annual Multi Trip plans may cover hire costs for golf or surf equipment if yours is accidentally lost, delayed, or damaged. Snow sports equipment is only covered when you’ve added the Snow Sports cover option.

Other terms, conditions, limitations, and exclusions apply. See the Product Disclosure Statement (PDS) for more exclusions. 

You may be covered for accidental injuries that happen while participating in a sport or activity, depending on your chosen travel insurance plan. This can include overseas medical treatment or evacuation when required and approved in advance. There’s no cover for professional sports, high-risk excluded activities, intoxication, or participating without proper licensing or supervision. Always review the terms and conditions of the PDS to understand what is and isn’t included. Other exclusions apply.

Yes, you can, but buying travel insurance early may cover for cancellation in case your trip is cancelled due to an insured event, before that event may arise. When buying travel insurance after you leave, there's a 72-hour waiting period from the time your Certificate of Insurance is issued. However, if you’re injured in an accident during this waiting period cover may be available for medical expenses and medical evacuation and repatriation. Terms and conditions apply.

Important: If you purchase a travel insurance policy while already travelling you must purchase a policy up to the date you will return to your home in Australia. We are not able to offer cover for the middle of a trip.

Other terms, conditions, limitations, and exclusions apply. See the Product Disclosure Statement (PDS) for more exclusions. 

Recreational, non-competitive sports may be covered. For example, cover is available for activities such as American football (Gridiron), AFL, baseball, basketball, netball and water polo. However, racing except on foot, and participating in, or training for, professional sports aren’t covered. A professional sporting activity is one where you are paid to participate, appear or train or where you receive sponsorship, income or prize money, regardless of whether or not you are a professional sportsperson. If your trip involves joining an event or match, review the PDS carefully to understand the terms and conditions, limitations and exclusions.

You can lodge your claim online by providing supporting documents such as medical reports, police reports, photos, receipts, or written statements. Include as much detail as possible so the claims team can assess your situation accurately. If equipment is lost or stolen, report it to local authorities or your carrier as soon as possible. Keep all documentation handy to help your claim run smoothly. If you need help, our emergency assistance team is available 24/7.