Adventure travel Insurance:
Cover for 100+ Activities 

Holidays are for relaxing, but they're also for doing. Whether it's cycling, surfing, or hiking, there are so many adventures to be had while you're away. Luckily, with many of our policies, we automatically cover 100+ typical and not so typical activities

Being covered for certain activities means: 

  • You'll be covered for medical and hospital assistance if something goes wrong when you're overseas*
  • You may be covered if you need to forfeit pre-paid fees or deposits if you're unable to travel**
  • Medical evacuation (if deemed necessary).
     

On this page, we'll tell you what you're covered for, what you're not covered for, and answer questions about activities and how to make sure you're protected on holiday.
 

*medical cover not offered on Domestic policies
**not available on Medical Only polices
 

What Are My Options?


Being covered for a range of activities is possible with a:  

Which Activities are covered?

The below is a guide to the sort of activities we cover. Please note that these activities need to be recreational, and if you're doing winter sports, you'll need to purchase a Winter Sports Pack

popular Activities 

Find out more about some of the more popular activities that we cover by clicking on the links below.

 

All 100+ Activities covered

A
  • Abseiling
  • Amateur Athletics
  • Angling
  • Archaeological Digging
  • Archery
B
  • Badminton
  • Baseball
  • Basketball
  • Battle Re-enactment (No live firearm)
  • Bicycle Touring
  • Biking/Cycling - incidental to the trip (Excluding racing - no cover for bicycle)
  • Bowling
  • Boxing Training Only (No contact)
  • Breathing Observation Bubble Diving (Max. 30 meters)
  • Bridge Walking - Supervised By Fully Trained Guide
  • Bungee Jumping
  • Bushwalking
C
  • Camel Riding
  • Camel Trekking
  • Canoeing 
  • Canopy Walking / Tree Top Walking
  • Canyon Swing / Gorge Swinging
  • Cheerleading 
  • Clay-Pidgeon Shooting
  • Conservation Or Charity Work (Hand tools only)
  • Cricket
  • Cross Country Skiing (With Winter Sports Pack add-on)
  • Cycle Touring
D
  • Dancing
  • Dinghy Sailing (Restrictions apply as outlined in the definition of "Open Water Sailing" in PDS)
  • Dog Sledding (Excluding racing)
E
  • Elephant Riding
  • Elephant Trekking
F
  • Falconry
  • Fishing (Excluding spear fishing)
  • Flying Fox
G
  • Go Karting
  • Golf
  • Gorge Walking
  • Gymnastics (Excluding competition)
H
I
  • Ice Skating
J
  • Jet Boating
  • Jet Skiing
  • Jogging
K
  • Kayaking
M
  • Marathon
  • Martial Arts (Non-contact only)
  • Moped Biking
  • Motorbikes (Excluding dirt bikes) 
  • Mountain Biking - Incidental to the trip
  • Mountain Boarding
N
O
  • Off-piste Skiing (With Winter Sports Pack add-on. Conditions apply)
  • Orienteering
  • Ostrich Riding
P
  • Paint Balling
  • Passenger - Licensed light aircraft / licensed helicopter 
R
  • Rambling
  • Refereeing
  • River Boarding / River Sledging (In white water rapids Grade 1-3 only) 
  • Roller Blading 
  • Roller Skating 
  • Rowing
  • Running - Sprint / Long Distance
S
  • Safari Tours (But not hunting)
  • Sailing - Coastal waters (Restrictions apply as outlined in the definition of "Open Water Sailing" in PDS)
  • Sand Boarding 
  • Sand Yachting
  • Scuba Diving (Must dive with a licensed instructor or hold an open water diving license recognised in New Zealand)
  • Sculling
  • Sea Canoeing 
  • Sea Kayaking 
  • Skateboarding - Ramp / Half pipe (But not competitively) 
  • Skateboarding - Skate Park
  • Skateboarding - Street 
  • Skiing (With Winter Sports Pack add-on. Conditions apply)
  • Sleigh Rides
  • Snorkelling 
  • Snowboarding (With Winter Sports Pack add-on. Conditions apply)
  • Squash
  • Stand Up Paddle Surfing 
  • Stilt Walking 
  • Surfing
  • Swimming
T
  • Table Tennis 
  • Ten Pin Bowling 
  • Tennis 
  • Tobogganing
  • Tubing (Water only) 
U
V
W
  • Wakeboarding
  • Wakeskating
  • Walking
  • Water Polo 
  • Water Skiing 
  • White Water Kayaking (In rapids grade 1-3 only)
  • White Water Rafting (In rapids grade 1-3 only)
  • Wind Surfing 
Y
Z

What About Extreme Sports?

The rush of extreme sports is something many people love on holiday. From bungee jumping to zorbing, we cover a range of extreme sports for the adventure enthusiast. You can see the full list in the table above, but we've got a bit of extra information on a few of our more popular outdoor activities/extreme sports.

bungee icon

Bungee Jumping

The rush of jumping from incredible heights...with only a long elastic cord to keep you safe. It's the ultimate thrill, but make sure you're covered

heli skiing icon

Heli Skiing

Off trail, downhill skiing reached by helicopter instead of a ski lift. Sound exciting? Read more and find out what you’re covered for.

Rafting/White Water Rafting

Jump on an inflatable raft with a team of people and navigate fast flowing rapids. It’s fun and popular, and we can help you do it with peace of mind.

Snowboarding

Inspired by skateboarding, snowboarding is a fast-paced snow sport that’s not for the faint-hearted. Jump on - but be safe

Zorbing

You’re secured inside a large transparent ball and then rolled along the ground or down hills. If that sound like fun, read on.

 

What We Don't cover

We cover a lot of activities, but there are some dangerous and risky things that are excluded. If you’re going to take part in the following, beware that you won’t be covered. 
 

  • You’re in control of a moped or scooter without a current New Zealand motorcycle or drivers license, or you are a passenger travelling on a moped or scooter that is in the control of a person who does not hold a current motorcycle or driver’s license valid for the country you are travelling in

  • You take part in an activity under the influence of any intoxicating liquor or drugs (except a prescribed drug)

  • You don’t follow instructions and wear the appropriate safety equipment

  • Hunting activities

  • Racing activities that aren't on foot 

  • Sailing more than ten nautical miles from any landmass 

  • Polo 

  • Competitive rugby league or rugby union 

  • Mountaineering or rock-climbing using ropes or climbing equipment 

  • Hiking or trekking above an altittude of 3500m

  • Parachuting/hang-gliding 

  • You're partaking in professional sports 

  • Diving if you or your instructor don't hold a PADI accredited license

  • Expeditions to inaccessible areas 

  • Shooting 

  • Cliff Jumping.  
     

Tips & Tricks for keeping yourself Safe and covered

  • Health and finess levels

    Think about your fitness levels, and plan your activities accordingly. If you’ve got your heart set on scaling remote mountains, or going rock-climbing under the blazing sun, make sure it’s something you’re physically capable of. If you’re going on a holiday and you’ll be doing strenuous activity, keeping your fitness levels up before you go is good practice.

  • Your activity operator should be certified/accredited

    Make sure any courses/activity operators are certified or accredited by the appropriate body. For example, diving schools should be registered with the Professional Association of Diving Instructors (PADI), and bungee jumping operators should be trained in accordance with international safety standards.

  • Wear the right gear

    Make sure to wear safety gear during activities. For example, never refuse to wear a helmet while cycling, or riding a scooter, and always listen to the recommendations of your instructor. 

  • Remote activities

    If you’re going to be doing activities in remote areas, it’s advisable that you’re covered for medical evacuation in case you get injured and need to be evacuated. 

  • Let your insurer know about pre-existing medical conditions

    We cover many pre-existing medical conditions, but it’s really important that you let us know what your condition are, so we can let you know what you’ll be covered for and what you won’t.

Adventure & Activities FAQs

  • How do Medical Only policies work in relation to Activities?
  • You will be able to get cover for medical expenses that arise out of the activities that we cover.  Nothing else except medical related incidents will be covered, ie. if you need to cancel pre-paid activities, or if you have to reschedule flights because of the injury. See the PDS for details.

  • Does credit card insurance cover activities? 
  • Credit card travel policies often exclude activities such as skiing or watersports or other ‘adventure’ activities from cover. However, this is something you’ll need to check with your individual insurer, especially if you’re planning to take part in a lot of activities. 

  • Am I covered if I go scuba-diving? 
  • Scuba diving is covered if you have a PADI certificate, or you’re diving with someone who is a licensed instructor. Read more about the PADI certification and find out how to make sure you’re diving with a licensed instructor. 

  • What do I need to do to get coverage for your listed adventure activities?
  • You don’t need to do anything extra - unless you’re taking part in winter sports. If you’re taking part in winter sports, you have to add the Winter Sports Pack to your policy. 

    Otherwise, our listed activities are generally covered automatically. 

    Exclusions do apply, so check the PDS for details. 

  • Why are some activities excluded?
  • We’d love to help you out with any activities that you’re undertaking - but some activities are just simply too dangerous for us to take the risk of being your insurer. If you’re about to go away and you’re not sure whether we cover a particular activity, then please contact us so we can help you. 

  • Am I covered if I go bungee jumping?
  • As long as you’re bungee jumping with an accredited instructor and you follow all instructions regarding safety equipment, then you’ll be covered. 

  • Am I covered for moped/scooter rental/motorcycle riding? 
  • Generally, you’ll be covered, but there are certain conditions you have to meet.  If you’re the person riding the moped/scooter/motorcycle, then you’ll need an New Zealand motorcycle or drivers license. If you’re a passenger travelling on a moped/scooter/motorcycle, the person who is in control of the vehicle needs to hold a current motorcycle license valid for the country you are travelling in. 

  • What if I’m doing adventure travel by myself or with my family?
  • You’ll be covered if you’re doing adventure travel, as long as your circumstances fall within the PDS

  • What about activities coverage for seniors?
  • We cover all ages at 1Cover, and generally you just need to have the appropriate fitness and health levels for the activities you take part in. If you have any questions, please contact us, so we can help you. 

  • What if I have pre-existing conditions and I want to take part in activities on my holiday? 
  • You can still take part in activities, but you’ll need to make sure you declare your pre-existing medical conditions. If something happens to you while you’re taking part in an activity and it’s because of your pre-existing medical condition, we might not be able to cover you. 

  • Does my premium go up if i’m taking part in adventure activities? 
  • No, your premium won’t go up if you’re taking part in adventure activities that we cover, unless you add a Winter Sports Pack to your policy. However, you need to be aware of the exclusions that apply in regards to the adventure activities that we cover.

  • Will I be covered for extreme sports?
  • Can I still get cover if my adventure/activity is excluded?
  • Yes, you can still get cover if you take part in an adventure/activity that’s excluded. But if you do take part in an excluded adventure/activity and something happens to you as a result of that particular activity, then you won’t be covered for anything that happens to you. 

    See the table one this page for a general list of what we don’t cover, or check the PDS for full details. 

READ ALL FAQS

Want to know More about...

Pre-Existing medical Conditions

A pre-existing medical condition is something that must be disclosed when you’re purchasing travel insurance. Find out what pre-ex conditions are and how they affect your travel insurance.

Vaccinations

It’s important that you have all the right vaccinations before you travel.  From malaria to meningococcal, find out what you need to know about vaccinations and travel insurance.

Repatriation

Repatriation is the process of returning a person home after a medical emergency or at worst case death. Being covered for repatriation is important so read the ins and outs. 

 

Still Need Some Help? Call Us!

If you have any questions or queries, or you'd just like to know more about
1Cover Travel Insurance, get in touch with us. Our expert team are here to help you.

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