Travel insurance when doing water sports
Whether you're planning to surf world-class breaks, explore coral reefs through scuba diving, or experience the thrill of jet skiing on your beach holidays, TID offers adventure travel insurance that can include water sports that may help keep you protected.
We know our customers love making the most of time on and in the water. That’s why our travel insurance for water sports offers coverage for some of the most popular water activities, like:
- swimming and snorkelling
- scuba diving (when properly qualified or under licensed instruction)
- kayaking
- surfing and wakeboarding
- jet skiing
Our travel insurance for water sports may also cover less typical experiences, including shark cage diving, speed boating, kite surfing, and rafting.
Compare TID travel insurance plans to find cover that suits your water-based holiday.
Always check the Product Disclosure Statement (PDS) to understand the terms, conditions, limits, and exclusions.
What water sports activities are covered?
If your water adventure takes an unexpected turn, TID travel insurance may be able to help with:
- 24-hour emergency medical assistance
- Emergency medical repatriation and evacuation (must be approved by us)
- Overseas medical expenses
Cover varies depending on the plan you choose and the activity you’re doing. Professional sporting activities or racing (except on foot) aren't covered.
Water sports that may be covered include:
✔ Banana boat rides✔ Boating and sailing
✔ Canoeing and kayaking (river, lake, sea, white water)
✔ Fishing (excluding ice fishing)
✔ Jet boating and jet skiing
✔ Kite boarding, kite surfing and kite wing
✔ Outrigger canoeing and dragon boating
✔ River boarding (hydrospeeding)
✔ Scuba diving (with appropriate certification or licensed instruction)
✔ Shark cage diving
✔ Snorkelling
✔ Speed boating
✔ Surfing and swimming
✔ Wakeboarding and water skiing
✔ White water rafting
Planning a cruise holiday with water activities? Explore travel insurance for cruises with shore excursions and water sports.
What water sports and activities aren't covered
There are some activities TID travel insurance doesn’t cover, such as:
❌ Professional sporting activities.
❌ Racing except on foot.
❌ Activities specifically excluded in your policy wording.
❌ Travel in international waters on a privately registered sail vessel.
If you’re unsure whether an activity is covered, contact us to find out more.
Key tips for activities and sports
It pays to be prepared before you hit the water. Consider:
- Keeping your receipts and paperwork: any claim you make will need supporting documentation such as receipts of your purchases. Keep these with you in printed or digital form if you intend to make a claim.
- Watch the weather: check the weather, check your equipment, and check the credentials of your instructors and guides – if any seem unreliable then reconsider if it’s a smart move to go.
- Know your limits: you may want to reconsider your plans for a water-based holiday if you’re traveling to an island nation during the least optimal season, weather-wise. You also need to ensure you are fit enough to take on any water-related activities or sports that you plan on doing. There’s no point signing up for cage-diving, for instance if you’re prone to panicking or aren’t a proficient swimmer.
- Wear safety gear: be responsible when choosing a water sports activity. Does it suit your experience level? Are you using an accredited tour operator? Make sure to wear appropriate safety gear.
Water sports travel insurance FAQs
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Consider the PDS, TMD, and if the product is right for you.
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