| Activity | Plan |
|---|---|
| Abseiling (indoor or outdoor up to 22,965 feet/7,000 meters) | Explorer |
| Acrobatics (gymnastics or trapeze) | Standard |
| Aerial safari | Standard |
| Aerobics | Standard |
| Air guitar | Standard |
| Airsoft | Standard |
| American football (Gridiron) | Standard |
| Angling | Standard |
| Archery | Standard |
| Athletics | Standard |
| ATVs | Standard |
| Au Pair / Nanny (paid or volunteer childcare) | Standard |
| Aviation | Explorer |
| Backpacking | Standard |
| Badminton | Standard |
| Ballet | Standard |
| Ballooning | Explorer |
| Ballroom dancing | Standard |
| Banana boat rides | Standard |
| Barefoot water skiing | Standard |
| Base jumping | Excluded |
| Baseball | Standard |
| Basketball | Standard |
| Bicycle polo | Standard |
| Bicycle touring | Standard |
| Bikepacking | Standard |
| Black Water Rafting (grades 1 - 5) | Standard |
| BMX (on road / off road / on track / cross country) | Standard |
| Boating | Standard |
| Bobsled (in snow) | Explorer |
| Bobsled (non-snow track) | Standard |
| Bobsleigh | Standard |
| Bouldering or soloing (up to 22,965 feet/7,000 meters) | Explorer |
| Bowling (lawn, ten-pin, nine-pin, candlepin, duckpin and five-pin bowling, bowls, pétanque & boules) | Standard |
| Boxing (gym or outdoor training) | Standard |
| Broomball (hockey) | Standard |
| Bull riding | Explorer |
| Bungee/Bungy jumping | Standard |
| Bushcraft | Standard |
| Bushwalking | Standard |
| Butoh | Standard |
| Camel riding / trekking | Standard |
| Camping (up to 19,685 feet/6,000 meters) | Standard |
| Camping (up to 22,965 feet/7,000 meters) | Explorer |
| Canoeing | Standard |
| Canyon swing | Standard |
| Canyoning | Standard |
| Capoeira Dancing | Standard |
| Cave diving (to 165 feet/ 50 meters) | Explorer |
| Cave tubing (grades 1 - 5) | Standard |
| Cavern diving (to 165 feet/ 50 meters) | Explorer |
| Caving (sightseeing/tourist attraction) | Standard |
| Caving/spelunking/potholing | Explorer |
| Cheerleading | Standard |
| Clay pigeon shooting | Standard |
| Cliff diving | Explorer |
| Cliff jumping | Explorer |
| Competing at international events as a national representative | Standard |
| Construction or renovation work (paid or volunteer manual work painting, using power tools, labourer, operating machinery, roadwork, working at height) | Explorer |
| Cricket | Standard |
| Croquet | Standard |
| Cruising (crewing on a cruise ship) | Standard |
| Cruising (passenger on a cruise ship) | Standard |
| Curling | Standard |
| Cycle touring | Standard |
| Dance (ballet, ballroom, capoeira, salsa, interpretive dance) | Standard |
| Darts | Standard |
| Deep sea fishing | Standard |
| Deep water soloing | Explorer |
| Deepelling (up to 22,965 feet/7,000 meters) | Explorer |
| Disc golfing | Standard |
| Dirt boarding | Standard |
| Diving | Explorer |
| Dodge ball | Standard |
| Dog sledding | Standard |
| Dragon boating | Standard |
| Dune buggy | Standard |
| Elephant riding / trekking | Standard |
| Environmental or conservation work (paid or volunteer manual work) | Standard |
| Equestrian activities | Standard |
| Fell running / walking | Standard |
| Fencing | Standard |
| Fishing (deep sea, inland, ice fishing) | Standard |
| Fitness training | Standard |
| Floorball | Standard |
| Fly by wire | Explorer |
| Flying (as a passenger in a glider or ultralight) | Standard |
| Flying (as a passenger in a private, licensed scheduled or chartered aircraft or helicopter) | Standard |
| Flying (as a passenger while stunt flying, performing aerobatics) | Explorer |
| Flying (as a pilot or crew of any aircraft) | Explorer |
| Football (soccer) | Standard |
| Footgolf | Standard |
| Free diving (to 60 meters) | Explorer |
| Free soloing | Explorer |
| Frisbee | Standard |
| Fruit picking (paid or volunteer WWOOFing, general farm work, manual work) | Standard |
| Glacier walking (up to 19,685 feet/6,000 meters) | Standard |
| Gliding | Standard |
| Go karting | Standard |
| Golf | Standard |
| Gridiron | Standard |
| Gym training (aerobics, spinning, zumba, body pump, weight training, cross training, crossfit) | Standard |
| Gymnastics | Standard |
| Handball | Standard |
| Hang gliding | Explorer |
| Heli-skiing / boarding | Explorer |
| High diving up to 10 meters | Standard |
| High Wire | Explorer |
| Hiking or tramping (up to 19,685 feet/6,000 meters) | Standard |
| Hiking or tramping (up to 22,965 feet/7,000 meters) | Explorer |
| Hockey | Standard |
| Horse riding (equestrian, dressage, show jumping, eventing, polo) | Standard |
| Horse riding (leisure, social, bare back, non-competitive riding) | Standard |
| Horse riding (rodeo) | Explorer |
| Hospitality, bar work (paid or volunteer manual work) | Standard |
| Hot air ballooning | Explorer |
| Hunting (excluding big game) | Standard |
| Hurling | Standard |
| Hydrofoiling | Standard |
| Hydrospeeding (grades 1-5) | Standard |
| Ice climbing (up to 22,965 feet/7,000 meters) | Explorer |
| Ice fishing | Standard |
| Ice hockey | Standard |
| Ice Skating | Standard |
| Indoor skydiving | Standard |
| In-line skating | Standard |
| Jet boating | Standard |
| Jet pack | Explorer |
| Jet skiing | Standard |
| Kayaking | Standard |
| Kite boarding (on land or water) | Standard |
| Kite buggy | Standard |
| Kite flying | Standard |
| Kite surfing | Standard |
| Kite wing | Standard |
| Korfball | Standard |
| Lacrosse | Standard |
| Land surfing | Standard |
| Lawn bowling | Standard |
| Lifeguarding | Explorer |
| Live Action Role Play (LARP) | Standard |
| Martial arts (cage fighting, mixed martial arts, kick boxing, Muay Thai) | Explorer |
| Martial arts (Judo, karate) | Standard |
| Martial arts (non contact) | Standard |
| Medical and health care paid or volunteer work (health education, medical services, medical practitioner) | Explorer |
| Microflight | Standard |
| Mongol Rally | Standard |
| Moped riding | Standard |
| Motocross | Explorer |
| Motorcycling (no coverage for motorcycle) | Standard |
| Motor biking (on or off road, trail bike riding) | Standard |
| Motor biking (pillion passenger) | Standard |
| Motor racing (driver or passenger in a motor sport show, race, competition or rally) | Explorer |
| Motor racing experience (passenger only) | Standard |
| Mountain biking | Standard |
| Mountain guide (mountaineering; rock climbing instructor or guide using ropes or specialist equipment) | Excluded |
| Mountaineering, high altitude climbing or expeditions (over 22,965 feet/7,000 meters, unsupported or solo expeditions, exploratory expeditions or new routes) | Excluded |
| Mountaineering, high altitude climbing or expeditions (up to 22,965 feet/7,000 meters) | Explorer |
| Netball | Standard |
| Obstacle course/assault course/trim trail | Standard |
| Office work (paid or volunteer clerical, non-manual work) | Standard |
| Orienteering | Standard |
| Outdoor endurance / multi-sport (ultra distance or more) | Explorer |
| Outdoor endurance / multi-sport (less than ultra distance) | Standard |
| Outrigger canoeing | Standard |
| Outward Bound | Standard |
| Paddle boarding | Standard |
| Paid or volunteer high risk work (offshore, underground or caves, commercial diving) | Explorer |
| Paint balling | Standard |
| Parachuting | Explorer |
| Paragliding | Explorer |
| Parapenting | Explorer |
| Parasailing | Standard |
| Parascending (over land) | Standard |
| Parkour | Standard |
| Pickleball | Standard |
| Polar Plunge | Standard |
| Potholing | Explorer |
| Power lifting | Standard |
| Quad biking | Standard |
| Racquetball | Standard |
| Rambling | Standard |
| Rap jumping (indoor or outdoor up to 22,965 feet/7,000 meters) | Explorer |
| Rapelling (indoor or outdoor up to 22,965 feet/7,000 meters) | Explorer |
| Raquet ball | Standard |
| Retail work (paid or volunteer shop assistant / store manager, general retail, manual work) | Standard |
| Rickshaw Run | Explorer |
| Rifle range/sports shooting | Standard |
| Riverboarding (grades 1-5) | Standard |
| Rock climbing (outdoor up to 22,965 feet/7,000 meters) | Explorer |
| Rock climbing or bouldering (indoor) | Standard |
| Rock fishing | Standard |
| Roller blading | Standard |
| Roller derby | Standard |
| Roller hockey | Standard |
| Roller skating | Standard |
| Rounders | Standard |
| Rowing | Standard |
| Rugby (Leage/Union) | Standard |
| Running / walking (less than ultra distance) | Standard |
| Running / walking (ultra marathon or more) | Explorer |
| Running of the bulls (spectator) | Standard |
| Running of the bulls (with the bulls) | Explorer |
| Safari tours | Standard |
| Sail boarding | Standard |
| Sailing | Standard |
| Salsa dancing | Standard |
| Sandboarding | Standard |
| Sandskiing | Standard |
| Scooter riding | Standard |
| Scrambling (up to 19,685 feet/6,000 meters) | Standard |
| Scrambling (up to 22,965 feet/7,000 meters ) | Explorer |
| Scuba diving - paid or volunteer instructor or guide (to 165 feet/50 meters) | Explorer |
| Scuba diving (Cave or cavern diving to 165 feet/ 50 meters) | Explorer |
| Scuba diving (commercial to 165 feet/50 meters) | Explorer |
| Scuba diving (to 165 feet/50 meters) | Standard |
| Scuba diving (unqualified/learn to dive course/discover dive with qualified instructor) | Standard |
| Scuba diving to 50 metres | Standard |
| Sculling | Standard |
| Sea canoeing | Standard |
| Sea kayaking | Standard |
| Segway polo | Standard |
| Segway tours | Standard |
| Shark cage diving (to 165 feet/50 meters) | Explorer |
| Shooting (rifle range / sports) | Standard |
| Skateboarding (ramp, half pipe, skate park, street) | Standard |
| Skeleton | Standard |
| Ski instructor or guide (paid or volunteer) | Explorer |
| Ski joring | Standard |
| Skidoos | Standard |
| Skiing (acrobatics, free-style, jumping, flying, stunting) | Explorer |
| Skiing (backcountry/outside of resort boundary/alpine ski touring) | Explorer |
| Skiing (by helicopter/snow cat) | Explorer |
| Skiing (cross country/nordic skiing on marked trails) | Standard |
| Skiing (dry slope) | Standard |
| Skiing (on piste or off piste within resort boundaries) | Standard |
| Skiing (power assisted skiing) | Standard |
| Skiing (racing) | Explorer |
| Skiing (snowblading) | Standard |
| Skiing (terrain park within resort) | Explorer |
| Skiing with a miniwing (speed riding) | Explorer |
| Skydiving | Explorer |
| Skydiving from hot air balloon | Explorer |
| Sledding/Snow Sleds/Snow Sleighs (on snow) | Standard |
| Sleigh rides | Standard |
| Snooker | Standard |
| Snorkelling | Standard |
| Snow biking | Standard |
| Snow kiting | Standard |
| Snow mobiling | Standard |
| Snow rafting | Standard |
| Snowboarding (on piste or off piste within resort boundaries) | Standard |
| Snowboarding (acrobatics, free-style, jumping, flying, stunting) | Explorer |
| Snowboarding (backcountry/outside of resort boundary/alpine ski touring) | Explorer |
| Snowboarding (by helicopter/snow cat) | Explorer |
| Snowboarding (dry slope) | Standard |
| Snowboarding (racing) | Explorer |
| Snowboarding (terrain park within resort) | Explorer |
| Snowboarding instructor or guide (paid or volunteer) | Explorer |
| Snowshoeing | Standard |
| Soccer | Standard |
| Softball | Standard |
| Spearfishing | Standard |
| Speed boating | Standard |
| Speed flying | Standard |
| Speed trials | Standard |
| Spelunking (caving) | Explorer |
| Sports coaching paid or volunteer (ball sports, surfing, swimming) | Standard |
| Squash | Standard |
| Stand up paddle surfing/paddle boarding | Standard |
| Stilt walking | Standard |
| Stoolball | Standard |
| Stunt flying | Explorer |
| Surf boat rowing | Standard |
| Surfing | Standard |
| Swimming | Standard |
| Swimming with whales/whale sharks | Standard |
| Table tennis | Standard |
| Tandem skydiving | Explorer |
| Target Shooting | Standard |
| Tchoukball | Standard |
| Teaching (paid or volunteer work) | Standard |
| Ten pin bowling | Standard |
| Tennis | Standard |
| Theme parks / fairgrounds | Standard |
| Tobogganing | Standard |
| Tough Mudder | Explorer |
| Trail bike riding | Standard |
| Trail running (up to 19,685 feet/6,000 meters) | Standard |
| Trampolining | Standard |
| Trapeze | Explorer |
| Tree Climbing (trees up to 10 meters) | Standard |
| Trekking (up to 19,685 feet/6,000 meters) | Standard |
| Trekking (up to 22,965 feet/7,000 meters) | Explorer |
| Triathalon (less than ultra-distance) | Standard |
| Triathalon (ultra-distance or more) | Explorer |
| Tubing on rivers | Standard |
| Tubing on snow | Standard |
| Tuk Tuk (as a passenger) | Standard |
| Tuk Tuk (racing, hire without licensed driver, Rickshaw Run) | Explorer |
| Ultimate frisbee | Standard |
| Unicycling | Standard |
| Via ferrata | Explorer |
| Volleyball | Standard |
| Volunteering (childcare, teaching, environmental, wildlife or animal care, WWOOF) | Standard |
| Volunteering (medical, health care, construction, renovation projects, NGO support, disaster relief) | Explorer |
| Wake skating | Standard |
| Wakeboarding | Standard |
| Walking (up to 19,685 feet/6,000 meters) | Standard |
| War games (military simulation) | Explorer |
| War games (online gaming) | Standard |
| Water polo | Standard |
| Water skiing | Standard |
| Weight training | Standard |
| White water kayaking | Standard |
| White water rafting | Standard |
| Wildlife and animal care (paid or volunteer manual work) | Standard |
| Windsurfing | Standard |
| Wingsuit flying | Explorer |
| WWOOFing (general farm work, fruit picking, manual work) | Standard |
| Yachting | Standard |
| Yoga (class, alone/home practice) | Standard |
| Yoga (yoga teacher) | Standard |
| Yungas Road (Death Road) | Excluded |
| Zip line | Standard |
| Zorbing | Standard |
Some of these activities may have specific restrictions. Please check the policy wording for details.
If you have any questions, please feel free to contact us.
We’re here to help if you have a question about travel insurance. We’re available:
Within the USA & Canada toll free:
1-844-207-1930
From anywhere in the world, direct / collect:
+1-816-905-3963
Before your trip, check the latest government advice for any travel alerts for your destination.