InsureandGo travel insurance includes coverage for over 90 sports and activities at no additional cost, including a range of hazardous activities such as bungee jumping and snorkeling.

Please check the Table of Covered Sports & Activities section of the Combined Product Disclosure Statement and Policy Wording Booklets for full details of the covered sports and activities.

Please note that the standard excess may vary depending on your chosen activity.

Scuba diving is covered automatically on all our international travel insurance policies if you are qualified, you will be diving no deeper than 30 meters and you will be accompanied by another diver at all times.

If you are not a qualified scuba diver but are diving with an instructor you will be covered providing you dive no deeper than 30 meters.

Please be advised that there is no cover under any InsureandGo policy for personal accidents and personal liability relating to Scuba Diving.

InsureandGo can provide cover for motorcycling, provided you wear a crash helmet at all times and you have a valid licence to ride the motorcycle in the country you are visiting. If the engine size is 125cc or over, you must also have a valid licence to drive an equivalent-rated vehicle in Australia.

Please keep in mind that the standard excess is $250 for a motorcycle with an engine size 125cc or less and $500 for over 125 cc.

Cover is only available for motorcycling given the following circumstances;

• As the driver, you follow the safety guidelines for the activity concerned and where applicable, you use the appropriate and recommended safety equipment

• As a passenger, you are wearing a crash helmet at all times

• The activity is not part of a competition or tournament and the activity is not on a professional basis.

InsureandGo can provide medical expenses cover whilst trekking up to a maximum of 5000 meters. Between 3000 and 5000 meters you must be with a Commercially operating company, which is available to the general public and not considered an extreme risk. Stunts are not covered.

Please note that cover is only available for included activities where:

• You follow the safety guidelines for the activity concerned and where applicable, you use the appropriate and recommended safety equipment;
• The activity is not part of a competition or tournament; and
• The activity is not on a professional basis.

Mountain rescue is an event we cover in our policy provided you have the appropriate Winter Sports package and the rescue is for a medically necessary reason in an emergency. Please note that InsureandGo does not cover mountain rescue if it is for the purpose of search and rescue.

Our One-trip policies can cover trips of up to 12 months in duration and the Winter Sports add-on is available for this duration as well. Please keep in mind if you are aged 66 or over, we can only provide cover for a single-trip up to 90 days.

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.