Our Winter Sports upgrade will cover any sudden accidents or injuries you may sustain whilst partaking in any of the activities listed below. Without this cover, InsureandGo will not cover any claims related to any Winter Sports activity.

Here is a list of activities that are covered in our Winter Sports add-on:

• Cat skiing

• Cross-country skiing (along a designated cross country ski route only)

• Glacier skiing

• Heli-Skiing

• Ice Hockey (not competitive)

• Ice skating

• Lugeing (ice only)

• Mono skiing

• Off-piste skiing (with a professional snow sport instructor/guide only)

• Recreational ski racing (not training for, or participating in a competition)

• Skiing (recreational only)

• Snowmobiling

• Tobogganing

Please also refer to the winter sports section in the Product Disclosure Statements for further definitions relating to “Backcountry and off-piste”, “Professional snow sport instructor” and “Ski/snowboard fun parks‟.

For activities that are in the table of covered sports and activities that do not have a personal accident or personal liability cover, you will only be covered for medical expenses related to an accident or injury as a result of this activity. However, you will not be covered if this accident or injury results in the following complications, within 12 consecutive months of returning home:

• Death of an insured person aged 18 years to 65 years
• Death of a dependent child or an insured person aged under 18 years
• Death of an insured person aged 66 years or over
• Permanent Paraplegia or Quadriplegia
• Permanent Total Loss of sight of one or both eyes
• Permanent Total Loss of, or loss of use of, one or more limbs

Personal accident is a compensation for death or permanent disability and personal liability is the amount you become liable to pay if you accidentally injure someone or damage their property.

Our policies, do cover a range of water sport actives including but not limited to; white or black water rafting, scuba diving and snorkelling. A full list of the covered water sports can be found in our Product Disclosure Statement under the 'Table of covered sports & activities' section outlining what you can be covered for and what requirements you must satisfy to be covered.

Yes, we cover trekking or hiking (under 3,000 metres altitude). For more information, check the sports and activities section of our PDS.

We consider a commercial cruise any sea, ocean or river travel conducted by a commercially operated ship, boat or other sea vessel, with a scheduled journey time longer than 2 hours.

We automatically include coverage for more than 90 sports and activities. To check whether your intended activities are covered please refer to pages 46 – 48 in our Cruise travel insurance PDS.

 If you cannot find your activity, don’t worry, if the activity meets the following criteria, it will be covered:

1.  The activity is not part of a competition or tournament.

2.  The activity is not on a professional basis.

3.  Activities provided by a commercial operator and open to persons of all ages including those with height or general health warnings (e.g. Disneyland rides)

4.  The activity is not listed under Table of excluded sports and activities, which can be found on page 50 in the Cruise travel insurance PDS.

If you are an InsureandGo Cruise policyholder and you have lost your baggage, or it gets stolen before boarding your cruise, we will pay for items that accompanied you for your individual and personal use during your trip whilst in Australia prior to boarding your cruise.

For cruises that leave a port in Australia, this cover commences after you leave your home address and a maximum of 72 hours prior to your Cruise departing your first Australian port, as stated on your itinerary.

Missed Port: If your cruise does not port at certain docks during your trip due to adverse weather restrictions or mechanical break-down, Silver and Gold Cruise policy^ customers will be reimbursed up to the amount shown in the table of benefits in the PDS.

Missed Cruise Departure: If you missed the scheduled departure of your pre-booked cruise from Australia due to reasons detailed under section C3-Missed Cruise Departure of the Cruise travel insurance PDS, Silver and Gold Cruise travel insurance policyholders will be paid up to the amount shown in the Table of benefits. You will be reimbursed for reasonable and necessary additional accommodation and travelling expenses incurred after you leave your home address in Australia, that are over and above what you had originally budgeted to pay and are needed to continue with your original itinerary.

If you are sailing then you do not require our cruise policy^. Instead, you may select the international single trip or our Annual Multi-Trip policy^, which will only cover you for necessary and reasonable medical expenses whilst on your own personal boat. However, InsureandGo does not provide cover if you are racing or if you sail outside territorial waters.