Adventure sports cover: travel insurance FAQs

All our plans automatically cover 80 different adventure activities. You do not need to buy a specific plan for this cover to apply.

Coverage for many adventure sports outside of those automatically included can also be added to your plan for an additional premium: Adventure Activities Cover, Adventure Activities+ Cover, Snow Sports Cover, Snow Sports+ Cover, and Motorcycle/Moped Riding+ Cover.

If your planned activity is not listed on our website or in the  Policy Wording, we may be able to cover it. Give us a call on (0800) 500 225 to check.

Yes. If you’re a domestic policyholder (or an international Annual Multi-Trip policyholder travelling within New Zealand for part of your trip, more than 100 kilometres from home, or if less than that your trip includes at least one night paid accommodation booked with an accommodation supplier or provider), our travel insurance automatically includes cover for a variety of adventure sports in New Zealand. Coverage for other activities can be included for an additional premium.

We automatically cover 80 adventure sports on all our Cover-More plans, so there’s a good chance we provide cover for the activities you love. (Other activities may be covered for an additional premium under our Adventure Activities options to vary cover.)

This range of automatically included activities includes abseiling, bungy jumping, scuba diving (up to 30 metres), jet skiing, and much more. For the full list of activities automatically covered, visit our adventure sports travel insurance cover page and read the Policy Wording.

For cover to apply, you need to ensure reasonable care is taken and all protective equipment is worn while participating in these activities.

We do not automatically cover all activities such as winter sports like skiing and snowboarding, or motorcycle/moped riding. You need to purchase these optional cover options for coverage to apply. Even when you pay the additional premium, you still need to meet the conditions outlined in the Policy Wording.

We can provide cover for your sports equipment but only when it is not in use. Travel insurance can protect items if they get lost, stolen, or damaged while you’re travelling.

Most of our travel insurance plans include a luggage and travel documents benefit, which provides cover up to a limit for any one item, set or pair of items, which includes sport equipment. This limit varies between plans:

• International Comprehensive+/Domestic Comprehensive+: $1,500
• International Comprehensive/Domestic Comprehensive/Inbound Plan: $1,200
• International Basic Plan: $1,000

There is no luggage and travel documents benefit on our Domestic Basic Plan.

If making a claim for lost, stolen, or damaged luggage, keep in mind you must be able to provide receipts or valuations less than 24 months old if requested.

Taking expensive gear on your trip? You may want to consider increasing your policy’s luggage item limit by paying an additional premium. Additional Adventure Activity Packs are available with cover for golf equipment, scuba equipment, mountain biking gear, and triathlon equipment depending on whether you have purchased either the Adventure Activities Cover or Adventure+ Activities Cover. Find out more in the Adventure Activities Packs section of the Policy Wording.

Every traveller has a different budget so select the excess amount you feel comfortable with. 

You can choose an excess amount from either $0, $100 or $250 for our International Plans.

A set excess of $25 applies to our Domestic Plans.

An excess is the first amount of a claim we will not pay and is applied to each claimable event.

If you are participating in a professional capacity overseas, we cannot provide cover for you while you are participating in a professional capacity.

If you want to ride a quad bike as part of an organised day tour only, no, you do not need to purchase our Motorcycle/Moped Riding Cover or our either level of our Adventure Activities Cover.

This is because our Cover-More plans automatically include coverage for riding a quad bike on an organised day tour. You must ensure that all safety equipment is worn, and reasonable care is taken.

If you want to ride a quad bike recreationally – but no racing – while travelling, you’ll need to select our Adventure Activities option and pay the additional premium for cover to apply.

No cover applies for personal liability. This means you are responsible for any costs associated with damage to the vehicle or property or injury to another person.

We recommend you read the Policy Wording for details.

Planning a high-altitude trek? It’s important to understand our policy to ensure you have the right coverage for your trip.

We automatically cover hiking or trekking under 3,000 metres above sea level, in all our plans, however, if this cover isn’t adequate for your plans, we provide the below optional cover for an additional premium:

1. Adventure Cover*: includes 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 two days to complete.
2. Adventure+ Cover*: includes 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 two days to complete. Our Adventure+ Cover will also insure your fully guided Mount Everest Base Camp trek or the Kokoda Trail.

Take reasonable care and know your limits and capabilities before going on a high-altitude trek. It’s important to remember rescue helicopters can only operate up to a certain altitude. This can increase the difficulty of a rescue operation. Rest assured our Emergency Assistance team will do our best to assist you if something goes wrong.

Yes. Our optional Adventure+ Activities Cover includes coverage for trekking to Mount Everest Base Camp on a fully organised tour only.

Adventure+ Activities Cover can be added to any of our International Plans for an additional premium.

We’re sorry to hear you’ve been injured but we’re here to help.

For emergencies, contact the local emergency number if you need an ambulance.

When you can do so, call our Emergency Assistance team from anywhere on +61 2 8907 5240.

If you’re in the USA, Canada, UK, or New Zealand, you can also call our Emergency Assistance team on the following toll-free numbers:

• USA: 1866 309 2267
• Canada: 1866 773 9318
• UK: 0808 234 1526
• Australia: 1800 242 579

Please note charges may apply if you’re calling from a pay phone or mobile phone.

We can provide assistance if you are admitted to hospital or need help finding an English-speaking doctor. Our team of medical professionals can also talk you through the care you are receiving.

Please have your Cover-More policy number and a call-back number ready when you phone our Emergency Assistance team.

If you need to fax us, use: +61 2 9954 6250.