Free cover for sports and activities

Fancy getting active while you're away? Living with a medical condition doesn't always have to hold you back from getting involved in sports and activities - even if it's just a gentle hike or a sailing excursion. So it's good news that with TI4M you are automatically covered for around 100 pursuits - free of charge.

It works like this. We offer a total of 8 activity packs. Those in activity pack 1 are automatically included with any TI4M policy. Packs 2-8* will incur a small additional fee to your premium. These packs cover the higher octane activities such as snowboarding, surfing and sky diving. Backpacker and long stay policies feature packs 1-4; single trip and annual policies offer packs 1-8.

To find out which pack you need to cover your favourite activities, scroll through the list below. You can easily add any activity pack to your policy when arranging your cover - either online or by phone on 0345 90 80 121. And if you're planning on enjoying an activity that's not listed below - give us a call. There's a good chance we can cover it.

* Note that each activity pack covers all activities up to and including the level you have purchased. For example, activity pack 4 also covers all activities in packs 1, 2 and 3.

Sports Pack
Activity Single Trip / Annual Multi Trip Policies Backpacker / Long Stay Policies
Abseiling (Indoor/Outdoor climbing wall up to 25m)22
Abseiling (Above 25m)53
Adventure Racing (up to 6 hours)21
Adventure Racing (up to 12 hours)32
Adventure Racing (up to 24 hours)64
Adventure Racing (up to 36 hours)7N/A
Adventure Racing (up to 48 hours)8N/A
Aerobics11
Airboarding8N/A
Airsoft22
Alligator wrestling8N/A
Amateur Athletic Field Events11
Amateur Athletic Track Events11
American Football - Training (Organised and with Safety Equipment)22
American Football Amateur Match - (Organised & with Safety Equipment)32
Angling/Fishing (Fresh Water)11
Angling/Fishing (Sea)22
Animal Sanctuary (non big game)11
Animal Sanctuary (big game)32
Archery11
Assault Courses (No High Ropes)22
Assault Courses including High Ropes and Harnessed64
Badminton11
Bamboo Rafting11
Banana Boating11
Bar Work11
Baseball11
Basketball11
Biathlon32
Big Foot Skiing32
Billiards11
Bird Watching12
Black Water Rafting64
Blade Skating32
Blowcarting/Land Yachting/Kite Buggy43
BMX Freestyle & Racing74
Bobsleigh8N/A
Body Boarding11
Bouldering8N/A
Boules11
Bowling11
Bowls11
Boxing – Amateur Fight (Head Guard must be worn)8N/A
Boxing Training (Head Guard must be worn)43
Breathing Observation Bubble (BOB)32
Board & Card Games11
Bridge Swinging11
Motorised Buggying43
Bull Riding64
Bull Running8N/A
Bungee Jumping11
Camel/Elephant Riding/Trekking (UK Booked)11
Camel/Elephant Riding/Trekking (not UK Booked)22
Camping11
Canoeing/Kayaking (White Water Grades 1-3)11
Canoeing/Kayaking (White Water Grade 4)32
Canoeing/Kayaking (White Water Grade 5)64
Canyoning32
Caravanning11
Cat Skiing32
Catamaran Sailing (In-shore)11
Cave Diving64
Cave Tubing64
Caving/Pot Holing53
Clay Pigeon Shooting11
Coasteering8N/A
Cricket11
Croquet11
Cross Country Running11
Curling11
Cycle Racing64
Cycle Touring/leisure biking (up to 1000m)11
Cyclo Cross64
Dancing11
Darts11
Devil Karting43
Dirt Boarding43
Disc Golf11
Diving (Indoor up to 5m)11
Diving (Indoor up to 10m)22
Downhill Mountain Biking74
Drag Racing8N/A
Dragon Boat Racing11
Dry Slope Skiing22
Equestrian32
Falconry22
Fell running (up to 2000m)22
Fell running (up to 3000m)43
Fell running (up to 4000m)54
Fell running (up to 5000m)7N/A
Fell running (up to 6000m)8N/A
Fencing11
Fives11
Flag football11
Flying as passenger (private/small aircraft)11
Flying crew/pilot32
Flying Helicopter (Pilot)32
Flyboarding22
Football/Soccer - Organised Amateur match22
Football/Soccer - Practice and training11
Free Diving8N/A
Freestyle Skateboarding64
Frisbee (recreational)11
Frisbee (ultimate frisbee)22
Gaelic Football (Training)22
Gaelic Football (Amateur Match)32
Glacier Walking32
Gliding (non-competitive)32
Gliding (competition)64
Go Karting32
Golf11
Gorge Walking (with ropes)32
Gorge Walking (no ropes)43
Gorilla Trekking (Booked pre-trip – requires appropriate trekking altitude pack)21
Gorilla Trekking (booked during trip – requires appropriate trekking altitude pack)32
Gymnastics22
Handball (practice and training)11
Handball (orginised amateur match)22
Hang Gliding64
Harness Racing32
Heliskiing53
High Diving43
Highland games11
Hockey (field)21
Hockey (Ice) With Full Body Protection32
Horse Jumping (no Polo, no Hunting)32
Horse Riding (No Jumping)11
Horse Riding (Eventing)32
Hot Air Ballooning11
Hurling53
Husky Dog Sledding32
Hydro Zorbing32
Hydrospeeding53
Climbing (indoor/outdoor climbing wall (up to 25m)22
Climbing (Rock & Ice – Harnessed up to 4,000m)54
Climbing (Rock & Ice – Harnessed up to 5,000m)7N/A
Climbing (Rock & Ice – Harnessed up to 6,000m)8N/A
Ice Diving8N/A
Ice Go Carting53
Ice Holing8N/A
Ice Fishing32
Ice Marathon8N/A
Ice Skating22
Ice Speedway8N/A
Ice Windsurfing53
Indoor Skating (not ice)11
Iron Man22
Jet Boating11
Jet Skiing11
Jousting43
Judo (organised training)22
Judo (competition)8N/A
Karate (organised training)22
Karate (competition)8N/A
Kendo (organised training)22
Kendo (competition)8N/A
Kick Sledging32
Kite-boarding/surfing43
Kiting11
Kloofing7N/A
Korfball11
Lacrosse22
Land Skiing32
Langlauf32
Laser Tag11
Low Ropes11
Luge/Bobsleigh8N/A
Marathons11
Martial Arts (organised training)22
Martial Arts (competition)8N/A
Micro Lighting64
Mini Golf11
Mixed Gas Diving8N/A
Model Flying11
Model sports11
Modern Pentathlon32
Mono Skiing32
MotoCross64
Motor Racing/Rallies/Competitions64
Mountain Biking (up to 1000m)11
Mountain Biking (up to 2000m)22
Mountain Biking (up to 3000m)43
Mountain Biking (up to 4000m)54
Mountain Biking (up to 5000m)7N/A
Mountain Biking (up to 6000m)8N/A
Mountain Boarding32
Trekking/Mountain Walking/Hiking/Rambling/Mountaineering (in group up to 1000m)11
Trekking/Mountain Walking/Hiking/Rambling/Mountaineering (in group up to 2000m)22
Trekking/Mountain Walking/Hiking/Rambling/Mountaineering (in group up to 3000m)43
Trekking/Mountain Walking/Hiking/Rambling/Mountaineering (in group up to 4000m)54
Trekking/Mountain Walking/Hiking/Rambling/Mountaineering (Inca trail)64
Trekking/Mountain Walking/Hiking/Rambling/Mountaineering (in group up to 5000m)7N/A
Trekking/Mountain Walking/Hiking/Rambling/Mountaineering (in group up to 6000m)8N/A
Netball11
Octopush32
Off-piste skiing (with guide)32
Off Road Motorcycling (up to 250cc)32
Orienteering11
Paint Balling22
Parachuting8N/A
Paragliding43
Parapenting/Paraponting64
Paramotoring43
Parasailing22
Parascending (over land)43
Parascending (Over water)22
Passenger Sledge32
Petanque11
Peteca11
Pigeon racing11
Polo54
Polo cross54
Pony Trekking11
Pool11
Potholing8N/A
Power Boating (inshore)32
Power Boating (offshore)64
Power Gliding64
Power Kiting64
Power lifting32
Quad Bikes (Providing you wear a helmet)32
Quoits11
Rackets11
Rafting (white water grades 1-3)11
Rafting (white water grades 4)32
Rafting (white water grades 5)64
Rap Running/Jumping (indoor/outdoor climbing wall up to 25m)22
Rap Running/Jumping (outdoor above 25m)53
Racquet Ball11
Re-Enactment11
Rifle Range11
Ringos11
River Bugging53
River Punting11
River Tubing32
Rodeo32
Roller Blading/skating (not ice)/Skate Boarding/scooters (non motorised)11
Roller Blading/skating/Skate Boarding/scooters (non motorised) (24 hour relay)43
Roller Derby (Safety equipment must be worn)32
Roller Hockey32
Roller Skating (24 hour relay)43
Rounders11
Rowing (inshore recreational)11
Rowing (offshore recreational)8N/A
Rugby (training)22
Rugby (amateur game)32
Safari (UK organised)11
Safari (non-UK organised)22
Safari Trekking (UK organised)11
Safari Trekking (non-UK organised)22
Sailing/Yachting (recreational - inshore)11
Sailing/Yachting (Off-shore recreational)84
Sand Boarding32
Sand Dune Surfing/Skiing32
Sand Yachting22
Scuba Diving (not solo to 30m)11
Scuba Diving (not solo to 40m)64
Sea Canoeing/Kayaking (inshore)22
Segway (supervised, non-competitive)11
Shark Diving/Swimming (cage)22
Shark Diving/Swimming (no cage)8N/A
Shinty22
Skeleton53
Ski Acrobatics8N/A
Ski Biking43
Ski Boarding32
Ski Bobbing32
Ski Dooing32
Ski Flying64
Ski Jumping8N/A
Ski Joering53
Ski Mountaineering (up to 4000m)54
Ski Mountaineering (up to 5000m)7N/A
Ski Mountaineering (up to 6000m)8N/A
Ski Racing8N/A
Ski Randonee53
Ski Run / Walking (up to 4,000m)5N/A
Ski Run / Walking (up to 5,000m)7N/A
Ski Run / Walking (up to 6,000m)8N/A
Ski Stunting8N/A
Ski Touring (up to 4000m)5N/A
Ski Touring (up to 5000m)7N/A
Ski Touring (up to 6000m)8N/A
Skiing32
Skiing - Freestyle53
Skiing - Glacier53
Skiing - Nordic/Cross Country32
Skiing - Off Piste Without a Guide64
Skiing - Para8N/A
Ski Blading/Snow Blading43
Skiing - Snowcat43
Sky Diving8N/A
Sky Jumping8N/A
Sky Surfing8N/A
Slack-Lining64
Sledging/Tobogganing32
Sleigh riding (reindeer, horses or dogs)32
Snorkelling (inside marked areas and / or with lifeguard present)11
Snorkelling – outside marked areas and / or without lifeguard present32
Snow Biking32
Snow Karting43
Snow Kiting53
Snow Mobile/Ski Doos32
Snow Parascending32
Snow Scooting32
Snow Shoe Walking32
Snow Tubing32
Snowboarding32
Snow Surfing43
Snowcat Driving32
Softball11
Solo Climbing/Mountaineering (up to 5,000m)7N/A
Scuba Diving (Solo) – up to 40m7N/A
Speed Sailing (in shore)32
Speed Skating32
Speed Trials/Time Trials (Organised, not public roads)32
Squash11
Stoolball11
Street Hockey22
Summer Tobogganing32
Surf life saving (organised competition)22
Surfing22
Swimming (inside marked areas and / or with lifeguard present)11
Swimming (outside marked areas and / or without lifeguard present)32
Swimming off a boat (with a qualified supervisor in attendance – i.e. a lifeguard)11
Swimming off of a boat (Unsupervised and / or no lifeguard)32
Swimming with Dolphins (inside marked areas and / or with lifeguard present)11
Swimming with Dolphins – outside marked areas and / or without lifeguard present3N/A
Sydney Harbour Bridge Climb (organised)11
Table Tennis11
Tandem Skydive (up to 2 jumps maximum)74
Telemarking32
Ten Pin Bowling11
Tennis11
Theme Parks11
Tough Mudder22
Trampolining22
Tree Top Canopy Walking (walking)32
Tree Top Canopy Walking (set up)8N/A
Triathlon22
Tubing11
Tug of War11
Under 17 Driving (not public roads)32
Unicycle riding11
Via Ferratta53
Volleyball11
Water Parks11
Wake Boarding43
War Games/Paint Balling22
Water Polo22
Water Skiing (no jumping)22
Water Skiing (jumping)43
Weight Lifting22
Whale Watching (professionally organised)11
Wicker Basket Tobogganing64
Wind Tunnel Flying/Indoor Sky diving53
Windsurfing/Boardsailing/Sailboarding22
Wrestling (organised training)22
Wrestling (competition)8N/A
Yachting (Inshore – crewing)11
Yachting (racing/crewing) - outside territorial waters (offshore)8N/A
Yoga11
Zip Lining / Zip Trekking (booked pre-trip – requires appropriate trekking altitude pack)21
Zip Lining / Zip Trekking (booked during trip – requires appropriate trekking altitude pack)32
Zorb Football32
Zorbing/Sphereing53
Climbing (Rock & Ice – Harnessed up to 3,000m)N/A3
Ski Touring (up to 3000m)N/A3
Ski Run / Walking (up to 3,000m)N/A3