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 Travel Insurance 4 Medical you are automatically covered for over 150 pursuits - free of charge.
Cover is subject to you using the recommended safety equipment (such as a helmet, harness, knee and elbow pads), and following safety procedures, rules and instructions of qualified instructors. If the sport or activity is provided by a local operator you must ensure they are appropriately qualified and licenced.
There is a general exclusion under our policies for claims arising directly or indirectly from putting yourself in unnecessary danger. The insurer will not pay your claim if you do not meet this policy condition. If you use a motorised vehicle during your trip, please make sure you hold a full and valid United Kingdom driving licence that allows you to use that vehicle.
Please note that all of the activities listed below are covered on a non-professional and non-competitive basis unless otherwise stated. All activities marked with an asterisk (*) indicate those which do not have Personal Liability cover and those marked with a (‡) indicate those for which the Personal Accident sum insured is reduced by 50%.
Please refer to the policy wording for more details of the cover provided.
| Activity |
|---|
| Aerobics |
| Abseiling (indoor / outdoor climbing wall up to 25 metres) * ‡ |
| Adventure Racing (up to 6 hours) * ‡ |
| Air Boarding [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Airsoft * ‡ |
| Amateur Athletic - Field Events |
| Amateur Athletic - Track Events |
| Angling / Fishing (freshwater) |
| Angling / Fishing (sea) * ‡ |
| Animal Sanctuary (excludes big game) |
| Archery |
| Badminton |
| Bamboo Rafting |
| Banana Boating / Donuts / Inflatables behind a power boat |
| Bar Work |
| Baseball |
| Basketball |
| Big Foot Skiing [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Billiards |
| Bird Watching |
| Blade Skating |
| Blade Skating [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Board Sailing |
| Body Boarding |
| Boules |
| Bowling |
| Bowls |
| Bridge Swinging |
| Bum Boarding [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Bungee Jumping (up to a maximum of three jumps per trip) |
| Camel Riding / Trekking (organised in the United Kingdom) |
| Camel / Elephant Riding / Trekking (not organised in the United Kingdom) * ‡ |
| Camping |
| Canoeing (including white water canoeing, Grades 1 - 2 only, rivers only) |
| Caravanning |
| Catamaran Sailing (territorial waters only) |
| Clay Pigeon Shooting |
| Climbing (indoor / outdoor climbing wall up to 25 metres) * ‡ |
| Cricket |
| Croquet |
| Cross Country / Nordic Skiing [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Cross Country Running * ‡ |
| Curling |
| Cycling Touring / Leisure Biking (not racing or downhill racing, under 1,000 metres altitude) |
| Dancing |
| Darts |
| Disc Golf |
| Diving (indoor up to 10 metres) * ‡ |
| Diving (indoor up to 5 metres) |
| Dog Sledging (organised and non-competitive, leisure purposes and as a passenger only driven by a qualified driver) [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Dragon Boat Racing |
| Dry Skiing [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Dry Slope Skiing * ‡ |
| Dry Slope Snowboarding * ‡ |
| Elephant Riding / Trekking (organised in the United Kingdom) |
| Falconry * ‡ |
| Fell Running (under 2,000 metres altitude) * ‡ |
| Fencing |
| Fives |
| Flag Football |
| Fly boarding * ‡ |
| Flying as passenger (light aircraft not licensed for fare paying passengers) |
| Football / Soccer - Organised Amateur Match * ‡ |
| Football / Soccer (practice and training) |
| Frisbee (recreational) |
| Frisbee (ultimate Frisbee) * ‡ |
| Gaelic Football (practice and training) * ‡ |
| Glacier Walking [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Golf |
| Gorilla Trekking (booked pre-trip and between 1,001 and 2,000 metres altitude) * ‡ |
| Gorilla Trekking (under 1,000 metres altitude) |
| Gymnastics * ‡ |
| Handball (organised amateur match) * ‡ |
| Highland games |
| Horse Riding (no polo, hunting, jumping, or racing) |
| Hot Air Ballooning (organised pleasure rides only) |
| Huskey Dog Sledging (organised and non-competitive) [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Ice Hockey [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Ice Karting [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Ice Skating [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Ice Skating * ‡ |
| Ice Windsurfing [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Indoor Skating (not ice-skating) |
| Iron Man * ‡ |
| Jet Boating (passenger only and no racing or competition) * |
| Jet Skiing (no racing) |
| Judo (organised training) * ‡ |
| Karate (organised training) * ‡ |
| Kendo (organised training) * ‡ |
| Kick Sledging [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Kiting |
| Korfball |
| Lacrosse * ‡ |
| Langlauf [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Laser Tag |
| Low Ropes |
| Marathons |
| Martial Arts (organised training, no competition or bouts) * ‡ |
| Model Sports |
| Motorbiking (on road under 125cc, a helmet and protective clothing must be worn, no touring or using a motorbike as the main mode of transport on a trip) * ‡ |
| Motorbiking pillion passenger (on road under 125cc, a helmet and protective clothing must be worn, no touring or using a motorbike as the main mode of transport on a trip) * ‡ |
| Mountain biking (not BMX (on or off-road) and not downhill racing, up to 1,000 metres) * |
| Mountain Biking (not downhill racing, not BMX (on or off-road), between 1,001 and 2,000 metres altitude) * ‡ |
| Netball |
| Orienteering |
| Paint Balling * ‡ |
| Parascending (over water) * ‡ |
| Passenger Sledging (organised and non-competitive, leisure purposes and as a passenger only driven by a qualified driver) [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Pétanque |
| Peteca |
| Pigeon Racing |
| Pony Trekking |
| Pool / Snooker * |
| Quoit |
| Rackets |
| Racquetball |
| Rafting (white Water Grades 1-2) |
| Rambling (under 1,000 metres altitude) |
| Rap Running / Jumping (Indoor / outdoor climbing wall up to 25 meters) * ‡ |
| Re-Enactment * |
| Ringos |
| River Punting |
| Rounders |
| Rowing (inshore and recreational) |
| Rugby (practice and training) * ‡ |
| Safari (not organised in the United Kingdom) * ‡ |
| Safari (organised in the United Kingdom) |
| Safari Trekking (not organised in the United Kingdom) * ‡ |
| Sail Boarding / Wind Surfing / Board Sailing * |
| Sailing (inshore, recreational or as part of an organised activity in territorial waters) * |
| Sand Yachting * ‡ |
| Scuba Diving (not solo, to a maximum depth of 30m). See special note at the end of this table* |
| Sea Canoeing / Kayaking (inshore) * ‡ |
| Segway (supervised, non-competitive) |
| Shark Diving / Swimming (cage) * ‡ |
| Shinty * ‡ |
| Ski - blading [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Skiing - alpine [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Skiing off piste with a guide [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Skiing on piste [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Sledging (organised and non-competitive, leisure purposes) [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Sleigh Riding - Reindeer, horses or dogs (organised and non-competitive, leisure purposes and as a passenger only driven by a qualified driver) [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Snorkelling |
| Snow Boarding [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Snow Bobbing [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] * |
| Snow Mobiling / Ski-doos [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] * |
| Snow Scooting [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] * |
| Snow Tubing [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Snowshoe Walking [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Soft Ball |
| Squash |
| Stoolball |
| Street Hockey * ‡ |
| Surf lifesaving (organised competition) * ‡ |
| Surfing * ‡ |
| Swimming (inside marked areas and/or with lifeguard present) |
| Swimming with dolphins (inside marked areas and/or with lifeguard present) |
| Sydney harbour bridge (organised and walking across clipped onto a safety line) |
| Table Tennis |
| Telemarking [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Tennis |
| Tenpin Bowling |
| Theme Parks |
| Tobogganing [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Tough Mudder * ‡ |
| Trampolining * ‡ |
| Trekking / Mountain Walking / Hiking / Rambling / Mountaineering (in a group, between 1,001 and 2,000 metres altitude, no cover where ropes, picks or other specialist climbing equipment is required.) * ‡ |
| Trekking/ Mountain Walking / Hiking / Rambling / Mountaineering (in a group, under 1,000 metres altitude, no cover where ropes, picks or other specialist climbing equipment is required.) |
| Triathlon * ‡ |
| Tubing |
| Tug of War |
| Unicycle riding * |
| Volleyball |
| War Games/Paint Balling * ‡ |
| Water Parks |
| Water Polo * ‡ |
| Water Skiing (no jumping) * ‡ |
| Weightlifting * ‡ |
| Whale Watching (professionally organised) |
| Winter Walking (using crampons and ice picks only) [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Wrestling (organised training) * ‡ |
| Yachting (inshore - crewing) |
| Yoga |
* Special note on scuba-diving
Scuba-diving is covered to the confirmed depths per grade in the table above. You must be diving under the direction of an accredited dive marshal, instructor or guide. If you are suitably qualified, and are not diving alone, cover is provided within the guidelines of the relevant diving or training agency or organisation, as below.
PADI Open Water - 18 metres
PADI Advanced Open Water - 30 metres
BSAC Ocean Diver - 20 metres