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Travel insurance for sports and activities

Discover which adventure activities are covered by RACV Domestic and International Travel Insurance

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Check what’s covered
Conditions of cover
Why choose RACV
Assistance and support
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You could win a share of $20,000 in prepaid gift cards with RACV Travel Insurance. Purchase a new policy by 30 September 2024 and you'll automatically go into the draw for a chance to win. Terms and conditions apply.

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Consider cover for holiday sports and activities

  • RACV Travel Insurance provides cover for many amateur sports and adventure activities.
  • Some sports have conditions of cover and some are not covered at all.
  • It’s a condition of cover that you act in a responsible way to protect yourself and your property when participating in sports and activities.

Check what’s covered by RACV Domestic and International Travel Insurance policies before you travel.

Check which activities are covered

Activities covered**

Water activities

  • Breathing observation bubble diving
  • Canoeing or kayaking (grade 3 and 4 rapids)
  • Cave tubing
  • Fishing trips (overnight)
  • Jet boarding
  • Parasailing
  • Scuba diving (unlicensed)
  • Tubing.

Hiking, trekking and climbing activities

  • Abseiling
  • All types of trekking or hiking below 3,000 metres in height
  • Assault course
  • Canyoning
  • Canopy walking
  • Coasteering
  • Gorge or canyon swinging.

Vehicle activities

  • Go karting
  • Husky sledge driving
  • Mopeds^
  • Motorcycles^
  • Mud buggying
  • Quad biking*^
  • Scooters^.

Other adventure activities

  • Bungee jumping
  • Camel or elephant riding
  • Hot air ballooning
  • Ostrich riding
  • Paintballing
  • Target shooting
  • Zip lining or zorbing.

*Quad bike means any motorised vehicle designed to travel on four or more wheels with a seat straddled by the rider and a set of handle bars that are used for controlling the steering.

#Limits, sub-limits and exclusions apply. Refer to the Product Disclosure Statement for full details.

Activities not covered

The following activities are not covered, Check the Product Disclosure Statement (PDS) for full exclusions.

Skiiing

  • Skiing or snowboarding (unless You have purchased Our Ski and Winter Sports option)
  • Bob sleighing, snow rafting, parapenting, heli-Skiing, aerobatic Skiing, skijoring, Skiing with any form of power assisted equipment.

Snow-mobiles

  • Any kind of mechanised snow-mobiles, except those provided by piste authorities for transport to and from recreational skiing areas. You can buy the Ski and Winter Sports option to cover these.

Water activities

  • Diving underwater using an artificial breathing apparatus, unless you hold an open water diving licence issued in Australia or you are diving under licensed instruction.
  • Open water sailing

Hiking and climbing activities

  • Trekking or hiking above 3,000 metres in height
  • Parachuting, sky diving or base jumping
  • Mountaineering or rock climbing using ropes or climbing equipment (other than for hiking).

Professional or racing activities

  • Racing or participating in any timed event (other than on foot)
  • Taking part in any kind of professional sport, including training for that sport.

Activities with animals

  • Rodeo activity, either as an amateur or as a professional
  • Polo
  • Horse jumping
  • Running with the bulls
  • Hunting.

Vehicle activities

  • Freestyle BMX
  • Motocross

Loss or damage to sporting equipment

You’re not covered for loss or damage to any sporting equipment or vehicles while in use.

Liability for causing loss or damage to property, injury or death

You’re not covered for personal liability for any claim made against you arising from ownership, custody or use of any vehicle.

*Quad bike means any motorised vehicle designed to travel on four or more wheels with a seat straddled by the rider and a set of handle bars that are used for controlling the steering.

#Limits, sub-limits and exclusions apply. Refer to the Product Disclosure Statement for full details.

Ski and winter sports cover

You’ll need to buy Ski and Winter Sports Cover together with your policy, to be covered for activities like skiing and snowboarding. Keep in mind, this will affect the premium you pay.

Ski cover

Includes snow skiing and snowboarding provided you have purchased this extra#**.

Winter sport cover

Includes leisure bigfoot skiing, cat skiing, cross country skiing (along a designated cross country ski route only), glacier skiing, ice hockey, ice skating, luging (on ice only), mono skiing, off-piste skiing (with a professional guide only), recreational skiing, snowmobiling and tobogganing#**.

Benefits

This option covers you for:

  • reasonable overseas medical and hospital fees incurred after an incident on the slopes
  • cancellation and lost deposits, equipment hire and lift passes#**.

Choice of policies

You can choose to add this cover to these policies:

  • Comprehensive
  • Essentials
  • Annual Multi Trip
  • Domestic plans (this policy does not cover medical costs in Australia).

*Quad bike means any motorised vehicle designed to travel on four or more wheels with a seat straddled by the rider and a set of handle bars that are used for controlling the steering.

#Limits, sub-limits and exclusions apply. Refer to the Product Disclosure Statement for full details.

Conditions of cover

Activities covered provided you meet all 3 of the following conditions. Specifically the activity must:

  1. be conducted through a commercial operator
  2. be available to the general public and not be considered extreme risk
  3. not require any special skills, pre-fitness training program prior to the participation of the activity, or a high level of fitness to undertake.

  • Mopeds and scooters: The driver must hold a current Australian Driver's Licence (this doesn't include a learner's permit) or a valid driver’s licence for the country in which they're driving, even if that country does not require the policy holder to have a valid driver’s licence.
  • Motorcycles: The driver must hold a current Australian Motorcycle Licence or a valid driver’s licence for the country in which they're driving, even if that country does not require the policy holder to have a valid driver’s licence.
  • Mopeds, scooters, motorcycles, quad bikes: Both the driver and passenger must be wearing a helmet.
  • Mopeds, scooters and motorcycles: Cover is only provided for injuries sustained whilst on the moped, scooter, or motorcycle - there is no cover for damage to any two-wheeled vehicles.

If any of the conditions above aren't adhered to, your RACV Travel Insurance policy may not cover you in the case of an accident. International Drivers Permits are available for most countries. Please check the country list for full details and possible exclusions.

This option covers: leisure bigfoot skiing, cat skiing, cross country skiing (along a designated cross country ski route only), glacier skiing, ice hockey, ice skating, luging (on ice only), and mono skiing, Off-piste skiing (with a professional guide only), recreational ski racing, and recreational Skiing, snowmobiling and tobogganing. In all cases “Skiing” also means snowboarding.

Why consider RACV Travel Insurance

24/7 claims

Make a claim online any time. Or call the team on 1300 207 387.

Activities included

Many amateur sporting and adventure activities are covered at no extra cost. 

Cancellation fees and lost deposits

Including travel delays, trip cancellations and amendments, travel agent fees and lost frequent flyer points#.

RACV Members save 15%

Already a Member with us? You’ll save 15% on all travel insurance policies. Check if you’re a member.

Assistance and support

Emergency assistance while overseas

The team of experts are available to provide emergency support 24-hours a day. Reverse charges are accepted.

Call as soon as practical if you are receiving medical care and the total cost is likely to exceed $2,000.

Travel alerts

Check travel status before you plan your trip and again before you leave.

RACV Travel Insurance won't cover you for destinations with a Department of Foreign Affairs and Trade "Do Not Travel" status.

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed.