Traveling often involves adventure, whether it's exploring ancient ruins or diving into crystal-clear waters. However, it's crucial to understand what activities your travel insurance covers to give you added peace of mind during your journey.
We have put together a general guide of what you are covered for, but for full details, always refer to your policy's Product Disclosure Statement (PDS) and review for specific terms, conditions, exclusions, limits and sub-limits, as well as any general exclusions that apply.
Included Activities
Some amateur sports and adventure activities are covered under standard travel insurance policies at no additional cost. For example, snorkelling, guided hiking tours, scooter rentals, and white-water rafting up to Grade 4 Rapids are typically covered. However, it's essential to act responsibly and adhere to all safety guidelines while participating in these activities.
Activities with Conditions
Certain activities may be covered, but specific conditions must be met. For instance, scuba diving might be covered if conducted through a licensed operator. Similarly, zip-lining and hot air ballooning may be covered if operated by licensed providers and deemed safe. Always ensure you meet and know the conditions and any general exclusions outlined in your policy's PDS before engaging in such activities.
Activities Not Covered
There are activities that standard travel insurance policies typically do not cover. Examples include mountaineering above a certain altitude, participation in professional sports, paragliding or hang gliding. These exclusions aim to mitigate risks associated with activities that require specialised training or pose significant dangers.
While this provides a general overview of what activities may or may not be covered by travel insurance, it's crucial to know your policy's PDS. If you're unsure about coverage for a specific activity, contact your insurance provider for clarification. By understanding your coverage and acting responsibly during your travels, you can enjoy your adventures with added peace of mind.
Get a quote for travel insurance before you embark on your next adventure!
Important Information
Automobile Association of Northern Territory Inc (ABN 13 431 478 529, AR No. 433569) (AANT) is an authorised representative of the AANT Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers AANT Travel Insurance as the managing agent on behalf of Tokio Marine.
Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs), available on the AANT website or on request from AANT.
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