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 |
|---|
| Abseiling (Indoor / Outdoor Wall, up to 25 Metres) * ‡ |
| Adventure Racing (Up to 6 Hours) * ‡ |
| Aerobics |
| Airsoft * ‡ |
| Amateur Athletic - Field Events |
| Amateur Athletic - Track Events |
| Angling / Fishing (Freshwater) |
| Angling / Fishing (Sea) * ‡ |
| Animal Sanctuary Visits (Excluding Big Game) * |
| Animal Tracking (Guided, in Nature Reserves) * ‡ |
| Archaeological Digging (Organised) |
| Archery |
| Badminton |
| Bamboo Rafting |
| Banana Boating / Donuts / Inflatables Behind a Power Boat |
| Bar Work (Light Duties) * |
| Baseball |
| Basketball |
| Beach Games (Organised Recreational Activity) |
| Billiards |
| Bird Watching |
| Black Water Rafting / Cave Rafting (Grades 1-3, Guided) * ‡ |
| Blade Skating |
| Body Boarding |
| Boules |
| Bowling |
| Bowls |
| Breathing Observation Bubble (BOB) / Underwater Walking (guided) |
| Bridge Climb / Bridge Walking (organised) |
| Bridge Swinging |
| Bungee Jumping (Maximum of 3 Jumps Trip) |
| Bushcraft / Outdoor Survival Skills (Supervised) |
| Cable Car / Gondola / Funicular (Passenger) |
| Camel Riding / Trekking (Incl. UK) * ‡ |
| Camping |
| Canal / Narrowboat Cruising |
| Canoeing (white water grades 1-2, rivers only) |
| Caravanning |
| Catamaran Sailing (territorial waters) |
| Cave Tubing (guided tourist cave systems) * ‡ |
| Caving - Tourist (guided / passenger) |
| Cheerleading & Baton Twirling (no stunts) * ‡ |
| Clay Pigeon Shooting * |
| Climbing Wall (indoor or outdoor, up to 25 metres) * ‡ |
| Cricket |
| Croquet * |
| Cross Country Running |
| Curling |
| Cycling Touring / Leisure Biking (not racing or downhill racing, under 1,000 metres altitude) |
| Cycling - E-Bikes / Electric-Assisted Bicycles Only * ‡ |
| Dancing |
| Darts |
| Disc Golf |
| Diving (indoor pool, up to 5 metres) * |
| Diving (indoor pool, up to 10 metres) * ‡ |
| Dodgeball - Recreational (supervised) * ‡ |
| Dragon Boat Racing |
| Dry Slope Skiing * ‡ |
| Dry Slope Snowboarding * ‡ |
| Dune Bashing (passenger) * |
| Elephant Riding / Trekking (organised in the United Kingdom) * ‡ |
| Falconry * ‡ |
| Fell Running (under 2,000 metres) * ‡ |
| Fencing * |
| Field Hockey / Floorball (amateur) * ‡ |
| Fitness Training (gym or supervised class) |
| Fives |
| Flotilla Sailing (European inshore waters) * |
| Fly Boarding * ‡ |
| Flying as Passenger (light aircraft) |
| Football / Soccer (organised amateur match) * ‡ |
| Football / Soccer (training) |
| Foraging / Nature & Food Walks (guided) |
| Frisbee (recreational) |
| Frisbee (ultimate) * ‡ |
| Fruit / Vegetable Picking (commercial farm, up to 2 metres) * ‡ |
| Gaelic Football (practice and training) * ‡ |
| Glass Bottom Boat / Bubble Trip |
| Go-Karting (recreational, up to 50cc) * ‡ |
| Golf |
| Gorge Walking (guided) * ‡ |
| Gorilla Trekking (under 1,000m) |
| Gorilla Trekking (1,001-2,000 metres) * ‡ |
| Gliding as a Passenger |
| Gymnastics * ‡ |
| Handball (Organised Amateur Match) * ‡ |
| Helicopter Ride (scenic / tourist passenger) |
| Highland Games |
| Hobie Cat / Dinghy Sailing (inshore) * |
| Horse Riding (no polo, hunting, jumping, or racing) |
| Horse-Drawn Carriage / Sleigh Ride (non-snow) |
| Hot Air Ballooning (organised pleasure rides) |
| Hurling / Camogie (amateur recreational) * ‡ |
| Hydrofoiling (supervised, beginner / intermediate) * ‡ |
| Hydro-Zorbing / Water Zorbing |
| Ice Skating * ‡ |
| Indoor Skating (not ice skating) |
| Indoor Skydiving / Wind Tunnel Flying |
| Ironman * ‡ |
| Jet Boating (passenger only, no racing or competition) * |
| Jet Skiing (no racing) * |
| Judo (organised training) * ‡ |
| Karate (organised training) * ‡ |
| Kendo (organised training) * ‡ |
| Kite Surfing / Kite Boarding / Kite Foiling (inshore) * ‡ |
| Kiting - Recreational Ground-Based Kite Flying |
| Korfball |
| Lacrosse * ‡ |
| Laser Tag |
| Low Ropes |
| Marathons |
| Martial Arts (organised training, no competition) * ‡ |
| Mindfulness, Meditation & Wellness Retreats |
| Model Sports |
| Motorbiking (on road, under 125cc, helmet and protective clothing required, no touring, not main mode of transport). See special note at the end of this table ** |
| Motorbiking (pillion passenger, on road, under 125cc, helmet and protective clothing required, no touring, not main mode of transport). See special note at the end of this table ** |
| Mountain Biking (up to 1,000 metres, No BMX or downhill) * |
| Mountain Biking (1,001-2,000 metres, No BMX (on- or off-road) or Downhill Riding) * ‡ |
| Mountain Biking (2,001-2,500 metres, No Racing or BMX (on- or off-road)) * ‡ |
| Mountain Boarding / Off-Road Boarding * ‡ |
| Mule / Llama Trekking * ‡ |
| Netball |
| Octopush / Underwater Hockey (pool) |
| Orienteering |
| Ostrich Riding (commercial operator) * ‡ |
| Outward Bound Pursuits (organised outdoor education) * ‡ |
| Paintball / War Games * ‡ |
| Parascending (over water) * ‡ |
| Parascending / Parasailing (over land) * ‡ |
| Pedalos / Pedal Boats |
| Peteca |
| Pigeon Racing |
| Pilates / Spinning / Indoor Cycling Class |
| Pony Trekking |
| Pétanque |
| Pool / Snooker * |
| Quoits |
| Rackets |
| Racquetball |
| Rafting (white water grades 1-2) |
| Rambling (under 1,000 metres altitude) |
| Rap Running / Jumping (climbing wall, up to 25 metres) * ‡ |
| Re-Enactment * |
| Refereeing / Umpiring (amateur) * ‡ |
| Remote / Digital Nomad Working |
| Rifle / Sports Shooting (licensed range) |
| Ringos |
| River Boarding / Hydrospeeding (grades 1-2, guided) * ‡ |
| River Bugging / Sledging (grades 1-2, guided) * ‡ |
| River Punting |
| Riverboat Tours / River Cruising (passenger) |
| Rock Scrambling (under 2,000 metres, no ropes, group) * ‡ |
| Rounders |
| Rowing (inshore and recreational) |
| Rubber Ring / Inflatable Rides (beach, non-motorised) |
| Rugby (Practice and Training) * ‡ |
| Safari (organised in the United Kingdom) * ‡ |
| Safari Trekking * ‡ |
| Sail Boarding / Wind Surfing / Board Sailing * |
| Sailing (Inshore, Recreational, or as Part of an Organised Activity in Territorial Waters) * |
| Sand Yachting * ‡ |
| Sandboarding / Sand Skiing * ‡ |
| Scuba Diving (not solo, maximum depth 30 metres). See Special Note at the End of These Tables.* |
| Sea Canoeing / Kayaking (inshore) * ‡ |
| Segway (supervised, non-competitive) |
| Shark Diving / Swimming (cage) * ‡ |
| Shinty * ‡ |
| Skateboarding (recreational, designated park) * ‡ |
| Slacklining (ground level, maximum 50 cm) * ‡ |
| Snorkelling |
| Softball |
| Spa, Thermal Bathing, Hammam & Hot Springs |
| Spearfishing (snorkel / breath-hold, maximum 10 metres, not solo) * ‡ |
| Speed Boating (inshore, no racing) * |
| Squash |
| Stand-Up Paddleboarding (SUP) |
| Stoolball |
| Street Hockey * ‡ |
| Surf Lifesaving (organised competition) * ‡ |
| Surfing * ‡ |
| Swimming (lifeguarded or marked areas) * ‡ |
| Swimming off a Boat (supervised, inshore) |
| Swimming with Dolphins (inside marked areas and/or with lifeguard present) |
| Swimming with Whales (snorkelling, licensed operator) * ‡ |
| Sydney Harbour Bridge (organised and walking across clipped onto a safety line) |
| Table Tennis |
| Tandem Skydiving (1 Jump, Licensed Instructor) * ‡ |
| Tennis |
| Tenpin Bowling |
| Theme Parks |
| Tough Mudder * ‡ |
| Trampolining * ‡ |
| Tree Top Trekking / Canopy Walking * ‡ |
| Trekking / Hiking (under 1,000 metres, group, no specialist kit) |
| Trekking / Hiking (1,001-2,000 metres, group, no specialist kit) * ‡ |
| Trekking / Hiking (2,001-3,000 metres, group, no specialist kit) * ‡ |
| Triathlon * ‡ |
| Tubing |
| Tug of War |
| Tuk-Tuk / Autorickshaw / Cyclo (fare-paying passenger) |
| Unicycle Riding * |
| Volunteer Teaching / Classroom Assistant Abroad |
| Wake Skating (Supervised, Cable Park or Boat) * ‡ |
| Wakeboarding / Wake Surfing (inshore) * ‡ |
| Water Parks |
| Water Polo * ‡ |
| Water Skiing (no jumping) * ‡ |
| Weightlifting * ‡ |
| Whale Watching (professionally organised) |
| White Water Rafting (grade 3, guided) * ‡ |
| Wicker Basket Tobogganing (e.g. Madeira Monte) * ‡ |
| Wild Swimming / Cold Water Dipping (supervised, not solo) * ‡ |
| Wildlife & Conservation Eco-Volunteering (no construction, no machinery) |
| Wing Foiling / Wing Surfing (inshore) * ‡ |
| Wrestling (organised training) * ‡ |
| WWOOFing / Organic Farm Volunteering (hand tools, not above 2 metres) |
| Yachting (inshore - crewing) |
| Yoga |
| Zip Lining / Zip Wire / Zip Trekking * ‡ |
| Zorbing (land, commercial operation) * ‡ |
* 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
** Special note on motorbiking
Please note there is no cover for Personal Accident or Personal Liability.