How it works: Adventure sports, activities and experiences

For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.

Bungee jumping, white water rafting, mountain biking, cycle touring, scuba diving, scooter riding, trekking, camel riding! There’s over 200 covered adventure sports, work, study & volunteer experiences that you can try while you’re away.

What you need to know

First, check out the list of all the sports, work , study and volunteer experiences that can be covered (also found in detail in Section 8 of the Policy Document).

Then, when you’re buying your policy, add all the activities you plan to try on your trip. Just remember that you won’t be able to make changes after you buy your policy.

Check the Policy Document carefully for any specific requirements related to the adventure sports,  work or other activities you’ll be doing; e.g. you may need to be qualified/licensed or be with a professional qualified/licensed guide or operator in order to be covered (see Section 8 – Adventure, Work, Study & Volunteer)

Adding some higher risk activities may also add a bit extra to the cost of your policy (for obvious reasons).

What if I want to try an activity that I didn’t list on my policy when I bought it?

If a sport or activity isn’t listed on your policy, this doesn’t necessarily mean that you can’t be covered if you want to give it a try during your trip. So how do you find out if it’s covered? Easy!

  • Look on your policy certificate for the level of coverage you have for the activities you chose (it’ll be Level 1, 2 or 3).
  • You’re automatically covered for all the activities listed at this level and the lower levels. For example, if your certificate says Level 2, you are covered for both Level 2 and Level 1 activities.
  • So where is this list of sports, activities and experiences and the corresponding levels of cover? In Section 8 of the Policy Document and also found in the Help Desk under 'Sports and Activities Covered'.
  • If the activity you want to try is listed at a higher level than the level stated on your policy certificate, then unfortunately your policy can’t cover this.  You’ll need to buy a new policy to cover your higher level activity.

Choose carefully the first time (otherwise you’ll need to buy a new policy to cover your higher level activity).

What’s covered

When you’ve listed your activity correctly, if something goes wrong while participating, the cover that may be available includes:

  • Emergency Medical Expenses overseas
  • Evacuation and Repatriation
  • Cancellation and Trip Interruption
  • Personal Liability (although read the Policy Document for exclusions e.g when you’re working, volunteering or operating a vehicle)
  • Personal Accident

We're pretty sure we've thought of most of the activities and experiences our adventurous travellers might want to try, but if what you want to do isn't listed, just contact us and we'll confirm if it can be covered or not.

Can I change my travel insurance policy while traveling?

What’s not covered

There may be specific exclusions and conditions that apply depending on what you'll be doing. You'll find these in Section 8 of the Policy Document where we tell you what is not covered while participating in an adventure sport or activity. Also, be sure to read the General Exclusions for other scenarios and expenses we don’t cover.

To give you an idea, there’s no cover:

  • If you receive any kind of financial reward (like an appearance fee, a wage or salary) to participate in or train for a competition or race;
  • If you're riding a motorbike or scooter without a helmet or without the proper licences;
  • For sporting equipment damaged while in use.

This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your Policy Document in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.

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We’re here to help if you have a question about travel insurance. We’re available:

  • Monday to Friday 11:00am - 8:00pm (NZST/NZDT)
  • Saturday to Sunday closed (NZST/NZDT)

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0800 666 237

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