Article at a glance:

TID travel insurance covers a range of adventure activities and sports for both domestic and international trips.
International plans may include medical assistance, evacuation, equipment cover, and optional snow sports cover.
Domestic plans offer optional snow cover and equipment hire for golf and surfing.
Snow Sports cover is not automatic – you must select this option when you buy your travel insurance policy.
Coverage depends on your destination, activities, and the specific plan you choose.
Not covered: Mountaineering with gear, reckless behaviour, paid/professional sports, intoxicated injuries, certain high-risk sports like BASE jumping or running with the bulls.
Qualified supervision is required for certain adventure activities like scuba diving or rock climbing.
Read the PDS to understand full terms, exclusions, and coverage before buying.

Don’t let an injury wipe out your holiday

Whether you're carving fresh powder in Japan, catching waves in Bali, or heading off on a hiking adventure in New Zealand, travel insurance for activities should be considered just in case your getaway takes an unexpected turn.

TID offers travel insurance options that may cover a wide range of sports and adventure activities. Think of travel insurance as your back-up for activity-related events such as emergency medical evacuation when required to lost ski gear when the sports cover option has been added.

Different adventure sports and activities come with different risks. Always make sure you understand the risks associated with your chosen activities.

Why adventurous Aussies choose TID

Heading overseas? Our international plans (The Works, The Basics, Annual Multi-Trip) may include cover (up to the policy benefits) for the following:

✔️ Overseas medical expenses – Hospital visits, medical treatment, or emergency support abroad.
✔️ Evacuation and repatriation – If you need to be transported to a medical facility or back to Australia. Please note that medical evacuation and repatriation must be agreed by us.
✔️ Snow sports cover – Available as an optional add-on; includes cover for ski passes, closures, and hire replacement snow equipment.
✔️ Rental and sports equipment – Protection if your gear is lost, stolen or damaged. Note: there is no cover for sporting equipment in use and hiring replacement golf/surf equipment is not included under the Basics plan and limited to golf/surf equipment.
Hire of replacement snow equipment only included if purchasing snow sports cover option
✔️ Accidental death benefits – In the worst-case scenario, there’s some financial protection for your loved ones. Not available under Basics plan.

Always make sure you pick a travel insurance plan that matches your type of holiday and always read the Product Disclosure Statement (PDS) before buying.

Not sure if a specific sport is covered? Contact us before you lock in your policy — we’re here to help.

Travelling in Australia? Our domestic plan may offer cover for:

Snow sports cover option – Ski lift passes, equipment hires, and ski run closures if you’ve added the snow sports cover option.
Golf and surf equipment hire – In case your board or clubs don’t make it.

Add the Snow Sports cover option

Love the slopes? Don’t forget to add the snow sports cover option when purchasing your travel insurance plan as it’s not automatically included. You must have the add-on and have paid the additional premium at the time of purchase to be covered. The Snow Sports cover option may include cover things like ski pass refunds, equipment rental replacement, and ski run closures.

Choose a plan that suits your holiday.

Just like choosing the perfect destination for your next getaway, selecting a travel insurance plan to suit your needs may be just as important. We have four plans to choose from, each offering a different level of cover. Check out each of the plans below where you'll find loads of information about each one.

Domestic

If you're taking some time to explore your own backyard, our Domestic plan protects you for trips within Australia. It can cover you for car hire excess, lost or stolen valuables and cancelled accommodation.

The Works

Our most popular plan, The Works offers broad cover for international trips including cover for costs such as unlimited medical expenses for up to 12 months and cancellation as well as added benefits.

The Basics

Sticking to a shoestring budget? The Basics plan is designed for travellers who want coverage for all the important things, like hospital bills and stolen luggage, without breaking the bank.

Annual

Are you a frequent flyer? If you travel often for business, or have a few holidays coming up, our Annual Multi Trip plan could be for you. Made for globetrotters, your trips can be up to 35 days in duration and there is no limit to the number of trips you can take during a 12 month period.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

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Plan smarter. Travel safer.

Ask yourself before you book:

What sports or activities will I be doing?
Are my friends planning anything spontaneous I might join?
What plan fits my adventure (and destination) best?
Are there exclusions I should know about?
Is my destination expensive for healthcare?

Choose a plan that fits your trip and read the PDS before buying.

Important: Only work with qualified and licensed instructors if you are planning to participate in any activities that require an instructor, then make sure whether that instructor has received the right training. They must be qualified to lead hiking, surfing, scuba diving, abseiling, or other types of tours and be registered with the governing association for their recreational activity.

What’s not covered?

It’s important to know the limits of travel insurance cover. While TID travel insurance for activities and sports may cover a lot, here’s what’s typically excluded:

Mountaineering (involving ropes or climbing gear)
Reckless behaviour (like veering off marked trails)
Professional or paid sports participation
Accidents while intoxicated - if you’re hurt because you were intoxicated with drugs or alcohol then you may not be covered.
Personal liability - arising from your ownership, possession, or use (including as a passenger) of a mechanically propelled vehicle, for example, any motor vehicle, motorcycle, aircraft, or watercraft; or firearm.
Participating in activities when you aren't appropriately qualified, licensed or being supervised where required.
High-risk sports like BASE jumping, hunting, paragliding, pot holing, or running with the bulls

Travel insurance tip: Sailing through international waters on a private vessel? That’s not covered either.

Outdoor adventures can be fun but also unpredictable - whether its surfing in Hawaii or heading to the summit in Nepal - Get a quote today.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

What kinds of sports can travel insurance cover?

Acrobatics
Activities in Antarctica, the Arctic Circle and Greenland (The Snow Sports Option will probably be required.)
Aerial safari (as a passenger in a licenced aircraft operated by an airline or charter company or in a hot air balloon)
Aerobics
American football (Gridiron)
Athletics
AFL

Banana boat rides
Baseball
Basketball
Biking/cycling
Blackwater rafting, cave tubing
Boating, sailing
Bowling (lawn & ten pin)
Bungee jumping

Camel riding for a day or if you are on a camel trek
Canoeing
Canyon swing
Cricket

Dancing - ballroom, salsa, Capoeira, ballet, contemporary, jazz, hip hop.
Dirt boarding
Dragon boating

Fencing
Fishing (deep sea, angling, fly fishing, on a river, boat, or standing in a lake; but excluding ice fishing)
Fly by wire
Football

Go karting
Golf
Gym - including weights, pilates, aqua aerobics, yoga
Gymnastics

H I J

Hiking
Hockey - field or indoor (excluding ice hockey)
Horse riding - leisure, on a tour with a licenced tour operator, non-competitive
Hot air ballooning
Jet boating
Jet skiing

Kayaking - white water, sea, river, lake
Kite boarding
Kite surfing
Kite wing

Land surfing

M N

Moped, scooter - Appropriate licence from country of residence and destination for operating this class of vehicle required; must be wearing a helmet; engine capacity must be 250cc or less.
Motor experience as a passenger only (excluding racing)
Motorcycle riding - touring, independent, organised tour, trail bike.; Appropriate licence from country of residence and destination for operating this class of vehicle required; must be wearing a helmet; engine capacity must be 250cc or less.
Motorcycle riding - as a passenger; Must be wearing a helmet; engine capacity must be 250cc or less.
Mountain biking
Netball

O P

Obstacle course
Outrigger canoeing
Outward Bound, Duke of Edinburgh
Paint ball
Parasailing over water

Racquetball
Rifle range/sports shooting
River boarding/hydrospeeding
Roller skating
Roller blading/inline skating
Rowing/sculling, surf boat rowing
Rugby League
Rugby Union
Running or jogging, including half-marathon or less, marathon and ultra-marathon distances

Safari tours
Sail boarding/wind surfing
Sailing
Sandboarding/sandskiing
Scuba diving, when an open water diving licence is held; diving with a licensed instructor
Shark cage diving
Segway tours
Skateboarding
Skiing (only covered if you choose the Snow sports option)
Snorkelling
Snowboarding (only covered if you choose the Snow sports option)
Speed boating
Squash
Stand-up paddle surfing/paddle boarding
Surfing
Swimming

T U V W

Tennis
Tough Mudder
Trekking
Tuk Tuk as a passenger (excludes Tuk Tuk racing)
Volleyball
Wakeboarding
Water polo
Water skiing
White water rafting
Windsurfing

X Y Z

Yoga
Zip line
Zorbing