Additional cover options

Waiting list cover allows you to claim if you have to cancel your trip because you are called for non-emergency treatment or investigations that you were on a waiting list for when you bought the policy, provided you are not aware of the date when purchasing the policy.

Golf cover provides protection for golf equipment, hired equipment, and prepaid green fees if you cannot play due to illness, injury or adverse weather.

Wedding cover protects items such as wedding attire, rings, gifts, and photos if they are lost, stolen or damaged while abroad.

Winter sports cover extends your policy to include skiing, snowboarding and other recognised winter sports, covering ski equipment, ski pass and piste closure.

Hazardous activities cover extends your insurance to include sports and activities that carry higher risk. These are grouped into categories A, B and C depending on risk level.

Category A:
Aerobics, Angling/Fishing (Fresh Water), Archery, Badminton, Bamboo Rafting, Banana Boating, Baseball, Basketball, Beach Games, Biking on road only, Blade Skating, Board Sailing-Inshore only, Boating, Body Boarding- Inshore only, Boogie Boarding- Inshore only, Bowls, Canoeing, Catamaran Sailing- Inshore only, Clay Pigeon Shooting, Cricket, Croquet, Cross Country Running, Curling, Cycling (excluding off-road, BMX or Mountain Biking), Dancing, Darts, Dinghy Sailing, Disc Golf, Doughnut, Dragon Boat Racing, Fell walking up to 2000 metres, Fruit or Vegetable Picking (no higher than 3 metres), Glass Bottom Boats, Goalball, Golf, Gym (cardio only), Handball, Hiking up to 2000 metres (excluding the use of picks, ropes and guides), Hobie Catting - Inshore only, Ice-skating (rink only), Jet Boating - Inshore only, Jet Skiing - Inshore only, Jogging, Kayaking- Inshore only and up to white water grade 3, Kite Boarding, Kite Surfing, Korfball, Laser Tag, Low Ropes, Motorcycling up to 50cc (Excluding Quad biking/touring and Motorcycle Touring), Netball, Non-Manual Labour – excluding Animal Sanctuary/Refuge work - Sole purpose of trip is covered, Orienteering, Paddle Boarding- Inshore only, Parascending (towed by boat), Pilates, Pony Trekking, Pool, Power Boating -Inshore only, Rackets, Racquet Ball, Rafting - Inshore only and up to white water grade 3, Rambling up to 2000 metres (excluding the use of picks, ropes and guides), Roller skating, Rounders, Rowing, Sail Boarding -Inshore only, Sailing- Inshore, Scuba diving (up to 18 metres, also see scuba diving endorsement in this policy), Sea Fishing (From Shore), Snooker, Snorkelling, Softball, Spinning, Squash, Surfing - Inshore only, Swimming - (Pool and Beach swimming within a marked area with a lifeguard only), Swimming off a boat (with a qualified supervisor in attendance i.e. a lifeguard), Swimming with dolphins, Sydney Harbour Bridge Climbing (Professional, organised and supervised), Table tennis, Tennis, Theme Parks, Trampolining, Trekking up to 2000 metres (excluding the use of picks, ropes or guides), Tubing on water only, Tug of War, Volleyball, Wakeboarding, Walking up to 2000 metres (excluding the use of picks, ropes and guides), War games, Water Parks, Water Polo, Water-skiing – Inshore only and no jumping, Whale/Manatee Watching, Windsurfing - Inshore only, Yachting (excluding crewing) - Inshore and Yoga.
 

Category B:  
Provided you have paid the required premium, you will be covered for all of the activities listed in Category A plus the following activities: 

Animal/Camel/Elephant /Riding under 7 days, Breathing Observation Bubble (BOB) up to 18 metres, Bungee Jump , Charity Rallies (no racing) - Sole purpose of trip is covered, Cycle Touring - Sole purpose of trip is covered, Deep Sea Fishing -Inshore only, Dog Sledging, Fell Walking(between 2000 and 3000 metres altitude) - Sole purpose of trip is covered, Fencing, Flying a private plane or small aircraft, Flying as a passenger in a private or small aircraft, Football, Glacier Walking, Go Karting up to 250cc, Gorilla Trekking - Sole purpose of trip is covered, Gym (inc strength/weight lifting), Gymnastics, Hiking between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered, Hockey - (Field), Horse riding under 7 days (no Polo, Hunting or Jumping), Hot Air Ballooning, Hydro Zorbing, Manual/Farm Work (ground level only no machinery - excluding Animal Sanctuary/Refuge work), Motorcycling (between 51cc – 125cc no racing) as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn. The rider must hold an appropriate UK licence (Excluding Motorcycle Touring), Paint Balling, Passenger Sledge, Quad Biking (no racing or touring) 125cc or under as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn. The rider must hold an appropriate UK licence, Rambling between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered, Reindeer Sledge, Safari/Airboat gator viewing (UK booked and not involving use of firearms) - Sole purpose of trip is covered, Scuba Diving (between 18 and 30 metres, also see scuba diving endorsement in this policy), Sea Canoeing -Inshore only, Sea Kayaking -Inshore only, Soccer, Trekking between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered, White Water Canoeing (Grade 4), White Water Kayaking (Grade 4), White Water Rafting (Grade 4) and Wind Tunnel Flying.

Category C: 
Provided you have paid the required premium, you will be covered for all of the activities listed in Categories A and B, plus the following activities: 

Abseiling, Big Foot, Devil Karting, Dirt Boarding, Gaelic Football, Glacier Skiing, Gliding, Horse riding over 7 days (no Polo, Hunting or Jumping), Hurling, Ice Fishing, Ice Hockey - With full body protection, Kick Boxing (Training only), Lacrosse/Shinty, Manual Work (ground level only including the use of light hand held machinery), Marathon/Half Marathon, Martial Arts (Training only), Motorcycling over 125cc. Must have a full Clean Licence and be over the age of 25 years as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn (Excluding Quad biking/touring and Motorcycle Touring), Octopush, Off Piste Skiing (with a professional guide/instructor within recognised resort areas), Off Piste Snowboarding (with a professional guide/instructor within recognised resort areas), Outdoor Endurance Events, River Tubing, Roller Hockey, Rugby, Sand Boarding, Sand Dune Surfing, Sand Skiing, Sand Yachting, Segway (Supervised, non-competitive), Shark Diving (Cage only), Skate Boarding, Ski Run Walking, Ski Yawing, Ski-Dooing, Skiing - Sole purpose of trip is covered, Skiing (Cross Country), Skiing (Dry Slope), Sledging, Snow Blading - Sole purpose of trip is covered, Snow Boarding - Sole purpose of trip is covered, Snow Bobbing, Snow Carting up to a 125cc, Snow Decking, Snow Go Karting, Snow Kiting, Snow Mobiling, Snow Parascending, Snow Scooting, Snow Shoe Walking, Snow Shoeing, Snow Tubing, Snow Zorbing, Snowboarding (Dry Slope), Snowcat Driving, Snowcat Skiing, Summer Tobogganing, Open water swimming, Swimming off a boat (Unsupervised and/ or no lifeguard), Open water swimming with Dolphins/Turtles/Whales, Tobogganing, Tree Top Canopy Walking, Triathlon, Water Hockey, White Water Canoeing (Grade 5 to 6), White Water Kayaking (Grade 5 to 6), White Water Rafting (Grade 5 to 6), Yachting/Sailing (including crewing) – Offshore but within European waters only - Sole purpose of trip is covered, and Zip Lining.

Missed connection cover pays for extra travel and accommodation costs if you miss a connecting flight or ship due to circumstances outside your control (for example, a delayed incoming flight).

Gadget cover protects electronic devices like mobile phones, tablets and laptops against loss, theft or accidental damage while abroad.

Natural catastrophe cover provides protection if your trip is disrupted by events such as volcanic ash, earthquakes, floods or hurricanes.

The terrorism cover extension allows you to claim if you need to cancel or cut short your trip due to an act of terrorism in your destination country, subject to conditions.

Enhanced travel delay cover provides higher levels of compensation if your flight or other public transport is delayed beyond the standard policy limits.

Cruise cover adds benefits for cruise-specific risks such as missed ports, cabin confinement, unused excursions and itinerary changes.

SMS alerts provide real-time text message updates about travel disruption or safety information linked to your destination.