Adventure travel insurance cover for activities
Protect your adrenaline-filled trip with Cover-More
Are you looking for travel insurance that can provide cover for adventure activities or extreme sports? Nothing should hold you back from engaging in the sporting activities you love while you’re away on holiday – whether that’s hiking, bungee jumping or even skydiving!
At Cover-More, we know not every traveller is content with taking a sightseeing tour or laying on a beach. If you’re seeking an adrenaline rush for your next holiday, having travel insurance may help you access emergency assistance and may help protect against financial loss if something goes wrong.
Discover more below, read our adventure travel insurance cover FAQs, or get a quote online to see how affordable it is to protect your holiday adventures.
Skip to read:
- Why might I need adventure travel insurance cover?
- What adventure activities does Cover-More travel insurance automatically cover?
- Can I add extra adventure travel insurance cover to my policy if an activity I plan to do isn’t automatically covered?
- What adventure activities aren’t covered by Cover-More travel insurance?
- Does Cover-More cover scuba diving and snorkelling?
- Does Cover-More cover high altitude trekking?
- Does Cover-More cover winter sports?
- Does Cover-More cover motorcycle riding?
- Does Cover-More travel insurance protect my sports equipment when I travel?
- Why should I choose Cover-More travel insurance?
Why might I need adventure travel insurance cover?
The beauty of travel is in the new experiences it brings, and if you’re someone who likes to push boundaries and get your heart racing, travel can bring on a whole new range of achievements.
Whether it’s fulfilling your bucket-list dream of trekking to Mount Everest Base Camp, or scuba diving the Great Barrier Reef, getting a little wild can create lifelong memories. But with great adventures comes greater risk that something might not go to plan.
This is where adventure travel insurance cover or extreme sports travel insurance comes in – and why it’s extremely important to consider as part of your travel plans.
When comparing travel insurance plans, we recommend paying attention to what adventure activities are automatically covered– and what activities you need to add extra coverage for – to ensure you’re protected.
What adventure activities does Cover-More travel insurance automatically include?
Good news for the sporty and adventure types: all our Cover-More travel insurance plans automatically include cover for over 80 adventure activities.
To find out what popular activities we automatically include in all our domestic and international plans, please read the full list below or in our Policy Wording.
Sporting and adventure activities automatically included on all Cover-More plans:
| Activity | |
|---|---|
| Abseiling | Jet Boating/Power Boating (as a passenger only) |
| Activity Centre Holidays | Jet Skiing |
| Amateur Sports (e.g. Baseball, Basketball, Football, Rugby) | Kabaddi |
| Archaeological Digging | Kite Landboarding |
| Archery | Martial Arts (no contact) |
| Assault Course | Muay Thai (Thai Boxing, training only) |
| Badminton | Mountain Biking (not BMX or racing) |
| Bamboo Boat Rafting | Mountain Boarding |
| Banana Boating | Off Road or 4WD Driving (organised tour) |
| Battle Re-enactment | Orienteering Outward- Bound Pursuits |
| Beach Games | Paint Balling/War Games |
| Boogie/Body Boarding | Paragliding/ Parascending/Parasailing (over water only) |
| Boxing (training only) | Quad Biking (organised day tour) |
| Breathing Observation Bubble (BOB) (maximum depth 30 metres) | Racing (on foot) – up to Marathon Distance (not extreme/ultra-marathons) |
| Bridge Walking (supervised by a fully trained guide) | Rambling |
| Bungee Jumping | Rifle Range (at a commercial range) |
| Camel or Elephant Riding or Trekking | River Tubing |
| Canoeing/Kayaking/Rafting (including white water grades 1-3 and sea inside territorial waters) | Roller Blading/Skating |
| Canyon/Gorge Swinging | Rounders |
| Canyoning (organised tours only) | Safari (organised tours) |
| Cave Tubing (organised tours only) | Sail Boarding |
| Clay Pigeon Shooting (at a commercial range) | Sailing Within Territorial Waters |
| Cycling/Cycle Touring (leisure) | Sand Boarding |
| Dinghy Sailing Inside Territorial Waters | Scuba Diving – (up to 30 metres) if diving with a diving school or qualified instructor |
| Dragon Boating (organised event or tour) | Skate Boarding |
| Falconry | Sledging/Tobogganing |
| Fell Walking, Hiking/Trekking (under 2,000 metres) | Sleigh Riding (reindeer, horses, or dogs) |
| Fencing | Snorkelling |
| Fishing (including Deep Sea Fishing) | Stand Up Paddle Boarding |
| Glacier Crossing/Hiking (organised tours, using ropes and guides) | Summer Tobogganing |
| Golf | Surfing |
| Gorge Walking | Swimming with Dolphins |
| Gymnastics | Tall-Ship/Yachting Crewing (commercial crewing ship with a maximum of 14 days) |
| Helicopter Tours (as a passenger) | Target Rifle Shooting (at a commercial shooting range) |
| Hiking/Rambling/Trekking/Walking (under 3,000 metres) | Tree Canopy Walking |
| Horse Riding (not in competitions, no touring or playing polo, no hunting or jumping) | Weightlifting |
| Hot Air Ballooning – as a passenger (organised activity only) | Windsurfing |
| Husky Dog Sledding | Working-Holiday Visa: Manual Work (ground level, no powered machinery) and Non-Manual Work |
| Ice Fishing (organised day tour or as a resort activity) | Zip Trekking/Zip Lining |
| Ice Skating | Zorbing – on land or water only |
| Indoor Climbing (commercial business) | |
All activities listed must be undertaken recreationally and in a non-professional capacity. Limits, sub-limits, conditions and exclusions apply. See our Policy Wording for full details.
Don’t see your planned activity in this list? We may still be able to cover it. Call us on (0800) 500 225 to find out, and don’t forget to check out what’s included in our optional activity packs below, Adventure Activities and Adventure+ Activities.
Can I add extra adventure activity travel insurance cover to my policy if an activity I plan to do isn’t an automatically included activity?
Yes. If your planned activity isn’t an automatically included activity mentioned above, check out our Adventure Activities packs.
We have two options available: Adventure Activities, and Adventure+ Activities. See below for the list of activities each optional inclusion covers.
If you purchase Adventure+ Activities Cover, you will also be covered for those activities listed under the Adventure Activities Cover.
Important: for all activities marked with an *, please see the Policy Wording for our full definition of what the activity covers and the conditions of our cover.
| Option to Upgrade Your Cover-More Policy | |
|---|---|
| Adventure Activities | |
| Black Water Canoeing/Kayaking/Rafting (Grades 1-3)* | Quad Biking* |
| Blow Karting* | River Boarding* |
| Bouldering* | Outdoor Rock Climbing* |
| Cycle (Cross Continental) Endurance Cycling* | Rock Scrambling* |
| Dirt Boarding | Rowing – outside coastal waters* |
| Dune Buggying | Sailing/Yachting/Motor Cruising* – outside territorial water limits (vessel over 45ft) |
| Golf Cover (own equipment)* | Sand Dune Surfing/Skiing |
| High Diving* | Scuba Diving* |
| Hydrospeeding | Speed Sailing |
| Ice Fishing | Speed Skating |
| Iron Man | Trekking (between 3,000 and 4,000 metres)* |
| Lacrosse | Triathlon* |
| Land Skiing | Ultimate Frisbee |
| Land Yachting* | Via Ferrata* |
| Mud Buggying* | |
| Wadi Bashing* | |
| Paddle Boarding* – white water (grades 1 - 3) | Wake Boarding |
| Paragliding/Parascending/Parasailing* | Water Skiing |
| Pony/Horse Trekking* | Wrestling |
| Adventure+ Activities | |
| Biathlon* | Mountain Biking* |
| BMX Stunt/Obstacle/Riding* | Overland Expedition* (organised tours only) |
| Bob sleighing* | Parachuting or Skydiving* (not inclusing BASE jumping) |
| Canoeing/Kayaking/Rafting (including black and white-water Grades 4-5) | Polo Playing* (helmet must be worn) |
| Cascading* | Rock Climbing* (with ropes and/or guides or bolted) 2,000 metres up to 4,000 metres) |
| Coasteering* (organised tours only, all safety equipment must be worn) | Roller Derby |
| Gliding* (as a passenger) | Scuba Diving* |
| Horse Jumping* (no hunting) | Trekking (between 4,000 and 6,000 metres)* |
| Hydro Jetting | Trekking Everest Base Camp*(fully organised tours only) |
| Ice Climbing* (organised tours up to 2,000 metres above sea level | Trekking the Kokoda Track* |
| Ice Hockey | Triathlon – Closed circuit triathlon up to a 1.5 kilometre swim, 40 kilometre bike ride and 10 kilometre run |
| Micro Lighting* (organised tours only) | |
Please refer to the Policy Wording for a full list of activities included under our adventure activity travel insurance cover, and any limits, conditions, and exclusions that may apply.
What adventure activities aren’t covered by Cover-More travel insurance?
We cover a wide variety of adventure sports and activities, but there are some we can’t insure. Our travel insurance won’t protect you if you participate in:
- Hunting
- Rodeo riding
- BASE jumping
- Hang gliding
- Motocross
- Running with the bulls
- Sports activities in a professional capacity
- Free climbing
- Mountaineering using guides, ropes, rock climbing equipment or oxygen
- Trekking greater than 6,000 metres above sea level
- Scuba diving to a depth of 30 metres below the surface unless you hold an Open Water Diving Certificate or are diving with a qualified diving instructor
- Scuba diving if the maximum depth is greater than 50 metres below the surface
- Racing (other than swimming races of 10 kilometres or less or running races that are marathon distance or less)
If you are unsure if the sport or activity you’re planning on doing is or isn’t covered, give us a call on (0800) 500 225. We’ll be happy to discuss this with you.
Does Cover-More travel insurance cover scuba diving and snorkelling?
If your next trip involves taking a plunge into the water, ensure you have the right coverage for scuba diving and snorkelling.
Our Cover-More travel insurance automatically covers snorkelling, and scuba diving up to 30 metres if diving with a diving school or qualified instructor.
Additional Adventure Activities coverage is required to cover scuba diving where the maximum depth is between 30 – 50 metres, and you must be diving with a qualified guide and have the appropriate dive qualifications.
Travelling with your own scuba equipment? The Scuba Bonus pack can provide cover for your equipment if you purchase our Adventure+ Cover.
Get a quote online now to understand how much it costs to cover your ocean adventure with our travel insurance.
Please refer to the Policy Wording for full policy conditions.
Does Cover-More travel insurance cover high altitude trekking?
About to lace up your boots and go hiking or trekking during your trip? Our travel insurance can provide cover for trekking up to 6,000 metres above sea level – just make sure you have the right coverage for your trek.
Our available cover for adventure activities:
- Automatically included in any of our plans: hiking or trekking under 3,000 metres
- Adventure Activities option to vary cover: available for an extra premium provides cover for trekking (that doesn’t require specialist climbing equipment) that reaches an altitude between 3,000 and 4,000 metres above sea level, if the trek takes more than 2 days to complete
- Adventure+ Activities option to vary cover: available for an extra premium provides cover for trekking (that doesn’t require specialist climbing equipment) that reaches an altitude between 4,000 metres and 6,000 metres above sea level, if the trek takes more than 2 days to complete.
Adventure+ Activities Cover will also provide cover for your fully guided Mount Everest Base Camp trek or for trekking the Kokoda Trail.
Keep in mind that cover is not available if your trek requires specialist climbing equipment. You must not be racing or doing the hike or trek in a professional capacity.
To understand what it costs to cover your trek with our travel insurance, get a quote online now.
Popular treks we can provide cover for include:
- Mount Everest Base Camp – requires our Adventure+ Activities cover if you are on a fully organised tour only.
- Kokoda Trail – requires our Adventure+ Activities Cover.
- Machu Picchu and the Inca Trail – check our Adventure Activities Cover provides the coverage required based on the trek you are doing.
- Mount Kilimanjaro – requires our Adventure+ Activities Cover.
Make sure any hikes or treks you set out to do are within your ability and reasonable care is taken, and be prepared for dealing with adverse conditions such as altitude.
If you become unexpectedly sick or injured during your trek, our 24/7 Emergency Assistance team is only a phone call away.
Does Cover-More adventure travel insurance cover include winter sports?
Whether this is your first time in the snow or you’re a regular on the slopes, accidents can happen, so it’s important to have the right cover for winter sports.
We can provide cover for your winter getaway – simply include our snow sports cover in your policy when generating a quote for an additional premium. This protects you when you go skiing, snowboarding, or snowmobiling.
We have two types of options for winter sports cover:
- Snow Sports: for on-piste snow skiing, snowboarding and snowmobiling, and cross-country skiing cover only
- Snow Sports+: includes cover for the above activities, as well as off-piste snow skiing/boarding, and heli skiing/boarding with a guided, licensed tour operator
Please refer to the Policy Wording for full policy conditions, limits, and exclusions before deciding if one of our snow sports cover options are right for you.
To see how much our travel insurance with winter sports cover cost, you can get a quote online.
Does Cover-More adventure travel insurance cover include motorcycle riding?
Hopping on a motorcycle or moped is a popular way to explore destinations such as Bali or Thailand. At Cover-More, we can provide protection under our Motorcycle/Moped Riding Cover, which you can add to your plan for an additional premium.
We offer two levels of cover for riding motorcycles:
- Motorcycle/Moped Riding Cover: for engine capacity 250cc or less. This is automatically included when you purruchase a Cover-More travel insurance policy
- Motorcycle/Moped Riding+ Cover: engine capacity unlimited (conditions apply)
Note: optional cover is required regardless of whether you’re planning to be the driver or passenger. You must always wear a helmet.
Visit our Motorcycle/Moped Riding Cover page for more details and FAQs on this cover.
With our Motorcycle/Moped Riding Cover (engine capacity 250cc or less), you will only be covered if:
- the engine capacity is 250cc or less
- while in control of a motorcycle or moped, you hold a valid New Zealand motorcycle rider’s licence or New Zealand motor vehicle driver’s licence
- while you are a passenger the driver holds a valid licence for riding that vehicle
- you are wearing a helmet, and
- you are not participating in a Professional capacity, not racing, and not participating in motocross.
With our Motorcycle/Moped Riding+ Cover (engine capacity unlimited), even if you pay the additional premium for Motorcycle/Moped Riding+ Cover, you will only be covered if:
- the motorcycle/moped is hired
- you have held an New Zealand motorcycle rider’s licence for the last 5 years
- while in control of a motorcycle or moped, you hold a valid New Zealand motorcycle rider’s licence
- you are the registered owner of a motorcycle in New Zealand that has an engine capacity greater than or equal to the engine capacity of the motorcycle/moped you are hiring
- while you are a passenger the driver holds a valid licence for riding that vehicle
- you are wearing a helmet, and
- you are not participating in a professional capacity, not racing, and not participating in motocross.
Please keep in mind no cover will apply under the Personal Liability section of the Policy Wording. This means you are responsible to pay costs associated with damage to the motorcycle, moped or property or injury to another person.
Refer to the Policy Wording to find out what is and isn’t covered under our Motorcycle/Moped Riding Cover and for full policy conditions. To find out how much travel insurance with motorcycle and moped riding cover costs, get a quote online.
Does Cover-More travel insurance protect my sports equipment when I travel?
Adventure activities often need a lot of equipment. We understand that you may want to take your own! If you’re skiing in Switzerland or surfing in Hawaii, you can take your gear with you.
Our International Plans and Domestic Comprehensive Plans can protect your adventure equipment under the included luggage and travel documents cover, up to the limits detailed in each plan.*
Cover for your own specialist sports equipment and more is also available with the below Adventure Activities Bonus Packs, which are included in the Adventure Activities or Adventure+ Activities cover*:
Included when you buy Adventure Activities cover:
- Golf equipment
Included when you buy Adventure+ Activities cover:
- Triathlon equipment
- Mountain biking equipment
- Scuba diving equipment
Need to increase the item limits for your luggage cover? You may be able to do this by paying an additional premium. Get a quote online to see how affordable it can be.
*See Policy Wording for limits, sub-limits, exclusions, and conditions. There is no cover for sporting equipment whilst in use.
Why should I choose to protect my adventures with Cover-More travel insurance?
Every adventurer knows it’s important to have someone watching your back. That’s where we come in. We have over 17 years of experience helping adventurous travellers both at home and abroad. Yes, you focus on having the time of your life knowing we’ll be here in case something goes wrong.
As our Cover-More customer, you have access to our global 24/7 Emergency Assistance team. We’re only a phone call away if you need help with anything from an accident to a lost passport.
Our International Plans also provide unlimited* overseas medical expense cover, but our benefits don’t end there. We can provide cover for your luggage, sports equipment, travel documents, and more.
When you choose our Cover-More travel insurance, you’re protected under our 21-day cooling off period. This means if you cancel or change your mind within this time, you’re eligible for a full refund**.
Still got questions? See our dedicated FAQs for adventure travel insurance cover.
Want us to protect your next adventure?
Discover our adventure travel insurance plans today.
*Cover will not exceed 12 months from onset of the illness, condition, or injury.
**Cooling-off period is available if you cancel your policy within 21 days provided you have not made a claim or departed on your journey.