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Read about our award winning Coronavirus (COVID-19) cover included on all policies here
Our policies include our independently rated 5 star COVID-19 cover, to help you decide if this cover is suitable for your needs please view our dedicated Coronavirus Page which explains how your cover applies in a number of circumstances.
While we recommend you read our Coronavirus Page to understand in more detail the cover we include as standard we need to make you aware of the following:
Prior To Travel: You will be covered for cancellation of your trip if you fall ill with COVID-19 or are required to self isolate by Track and Trace or the NHS COVID-19 App and cannot travel. You will not be covered if you need to cancel due to government restriction on travel or if you will need to quarantine either at your destination or on return home.
During Your Trip: You will be covered if you are denied boarding at your departure point (ie Airport, Cruise or Train terminal) due to detected symptoms of COVID. You are also covered for reasonable additional transport and/or accommodation expenses costs if you need to extend your stay due to compulsory COVID-19 quarantine (for example if you are required to self isolate due to you testing positive or being a close contact of someone who tests positive). If you fall ill with COVID-19 you are covered if you need medical treatment or repatriation to the UK. You will not be covered if you wish to return early to avoid a requirement to quarantine on your return.
Our policies DO NOT require you to be vaccinated against COVID-19. Please note however that our policies do not offer any cover if you fail to hold the relevant documentation as required by your airline (or other public transport such as a cruise ship or train) or destination country. For example if your destination country requires you to provide either proof of being full vaccinated or a current negative test certificate and you are denied boarding/entry due to not providing valid documents there is no cover under our policies.
Our policies do not cover the costs of COVID testing or vaccination either prior to, during, or post your trip.
Our policies are valid for travel to the countries shown on your certificate of insurance. If you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel your cover may be reduced, click here for more information.
Please note that all cover noted above is subject to terms and conditions.
TRUSTSCORE 4.8 / 5 | REVIEWS 5,024
Customer ServicePlease Note: The information below provides a brief overview of an area of cover within our policies. All our policy benefits are subject to terms, conditions and exclusions. Please refer to the policy wording for full details which can be downloaded under 'Key Information' below.
Our policies all include over 100 sports and activities as standard, many more can be added for an additional premium.
Cover is available for the activities shown in the table below provided:
| Sport or Activity | Cover Required | Special Conditions |
|---|---|---|
| Abseiling | Inclusive | Within organiser's guidelines |
| Administrative, clerical or professional occupations* | Inclusive | No Personal Liability cover |
| Aerobics | Inclusive | |
| Airboarding | Inclusive | |
| Archaeological digging | Inclusive | |
| Archery | Inclusive | |
| Athletics | Inclusive | |
| Badminton | Inclusive | |
| Bamboo rafting | Level 2 | |
| Banana boating | Inclusive | Within organiser's guidelines |
| Baseball | Inclusive | |
| Basketball | Inclusive | |
| Battle re-enactment* | Inclusive | No Personal Liability cover |
| Beach games | Inclusive | |
| Billiards/snooker/pool | Inclusive | |
| Blade skating | Winter Sports | |
| Blokarting* | Level 1 | No Personal Liability cover |
| Body boarding (boogie boarding) | Inclusive | |
| Body building | Level 1 | |
| Bowls | Inclusive | |
| Breathing observation bubble (bob) | Inclusive | |
| Bungee jumping | Level 3 | Within organiser's guidelines |
| Bungee slingshot | Level 3 | |
| Bungee swoop | Level 3 | Within organiser's guidelines |
| Bungee trampolining | Level 3 | |
| Camel riding* | Inclusive | No personal liability cover |
| Camp america - counsellor* | Inclusive | No Personal Liability cover |
| Canoeing (grade 4 and above rivers) | Level 3 | |
| Canoeing (up to grade 2 rivers) | Inclusive | |
| Canoeing (up to grade 3 rivers) | Level 2 | |
| Capoeira | Level 3 | No contact, dance movement only |
| Catamaran sailing* | Inclusive | If qualified and no racing or liability cover |
| Clay pigeon shooting* | Inclusive | No Personal Liability cover |
| Climbing | Inclusive | On climbing wall only |
| Cricket | Inclusive | |
| Croquet | Inclusive | |
| Cross country running (non-competitive) | Inclusive | |
| Cross country skiing/nordic skiing | Winter Sports | |
| Curling | Inclusive | |
| Cycling (no racing or competition's). | Inclusive | All protective clothing (e.g. helmet) must be worn No cover for Mountain Biking - see separately listed activity |
| Dancing (including instruction) | Inclusive | |
| Dinghy sailing* | Inclusive | No Personal Liability cover |
| Driving motorised vehicles* (excluding Quad bikes) | Inclusive | for which you are licensed to drive in the United Kingdom (other than in motor rallies or competitions) and wearing a helmet if driving a motorbike, moped or scooter and no liability cover |
| Dry slope skiing | Winter Sports | |
| Dune sliding | Level 2 | |
| Dune/wadi buggying/bashing | Level 2 | |
| Elephant polo | Level 3 | |
| Elephant riding/trekking | Inclusive | |
| Falconry | Inclusive | |
| Fell walking/running (up to 2,500 metres above sea level) | Inclusive | |
| Fencing | Inclusive | |
| Field hockey | Level 1 | |
| Fishing / deep sea fishing | Inclusive | |
| Fives | Inclusive | |
| Flying | Inclusive | As a fare paying passenger in a fully licensed passenger carrying aircraft |
| Flying fox | Inclusive | Cable car |
| Football (American) | Inclusive | Amateur only and not main purpose of trip |
| Football (Association) | Inclusive | Amateur only and not main purpose of trip |
| Frisbee/ultimate frisbee including competitions | Inclusive | |
| Fruit or vegetable picking | Level 1 | |
| Gaelic football - not main purpose of the trip | Inclusive | |
| Glacier skiing/walking | Winter Sports | Up to 3,500 metres above sea level |
| Glass bottom boats/bubbles* | Inclusive | No Personal Liability cover |
| Go karting* | Inclusive | Within organiser's guidelines and no personal liability cover |
| Golf | Inclusive | |
| Gorilla trekking | Level 1 | |
| Grass skiing | Level 2 | |
| Gymnastics | Level 1 | |
| Handball | Inclusive | |
| Hang gliding | Level 3 | |
| Heptathlon | Level 2 | |
| High diving | Level 1 | |
| Hobie catting* | Inclusive | If qualified and no personal liability cover |
| Horse riding | Inclusive | Excluding competitions, racing, jumping and hunting |
| Hot air ballooning | Inclusive | Organised pleasure rides only |
| Hovercraft driving/passenger* | Inclusive | No Personal Liability cover |
| Hurling - not main purpose of the trip | Inclusive | |
| Husky dog sledding (organised, non-competitive and with experienced local driver) | Winter Sports | |
| Hydro zorbing | Inclusive | |
| Ice cricket | Winter Sports | |
| Ice go karting* | Winter Sports | Within organiser's guidelines and no personal liability cover |
| Ice skating | Inclusive | |
| Ice windsurfing* | Winter Sports | No Personal Liability cover |
| In-line skating/roller blading | Inclusive | Wearing pads and helmets |
| Indoor skating/skateboarding | Inclusive | Wearing pads and helmets |
| Javelin throwing | Inclusive | |
| Jet boating* | Inclusive | No racing or liability cover |
| Jet skiing* | Level 3 | No Personal Liability cover |
| Jogging | Inclusive | |
| Judo | Level 3 | |
| Karate | Level 3 | |
| Kayaking (grade 4 and above rivers) | Level 3 | |
| Kayaking (up to grade 2 rivers) | Inclusive | |
| Kayaking (up to grade 3 rivers or coastal waters) | Level 2 | |
| Kick sledging | Winter Sports | |
| Kite boarding | Level 3 | |
| Korfball | Inclusive | |
| Lacrosse | Level 1 | |
| Land skiing | Level 3 | |
| Manual work | Level 2 | But not including the use of power tools and machinery |
| Marathon running | Level 1 | Not professional |
| Minjin swinging | Level 1 | |
| Mountain biking* | Level 1 | No racing, competition's or extreme downhill mountain biking - e.g. a very steep course which was specifically designed to be used by professional cyclists only). All protective clothing (e.g. helmet) must be worn. Height restriction of 2,500 Metres above sea level. |
| Mud buggying | Level 1 | |
| Netball | Inclusive | |
| Occasional light manual work | Level 2 | But not including the use of tools and machinery |
| Octopush | Inclusive | |
| Orienteering | Inclusive | |
| Ostrich riding or racing | Level 3 | |
| Paint balling/war games* | Inclusive | Wearing eye protection and no personal liability cover |
| Paragliding | Level 3 | |
| Paramotoring* | Level 3 | No Personal Liability cover |
| Parapenting/paraponting | Level 3 | |
| Parasailing/parascending - over land | Level 3 | |
| Parasailing/parascending - over water | Inclusive | |
| Passenger sledge | Inclusive | |
| Pedalos | Inclusive | |
| Pilates | Inclusive | |
| Polo | Level 2 | |
| Polo cross | Level 2 | |
| Pony trekking | Inclusive | |
| Pot holing/caving | Level 3 | |
| Power boating* | Inclusive | No racing, non-competitive and no personal liability cover |
| Quad biking* | Level 3 | No Personal Liability cover. Subject to compliance with local laws and regulations and the use of the organisers recommended safety equipment |
| Racket ball | Inclusive | |
| Rap jumping/running | Level 1 | Within organiser's guidelines |
| Refereeing | Inclusive | |
| Restaurant/bar work* | Level 1 | No Personal Liability cover |
| Retail trade including manual work* | Level 1 | But not including the use of power tools and machinery |
| Rhino trekking | Level 1 | |
| Rifle range shooting* | Inclusive | No Personal Liability cover |
| Ringos | Inclusive | |
| River tubing | Level 1 | |
| Roller hockey | Level 1 | |
| Roller skating/blading/in line skating | Inclusive | Wearing pads and helmets |
| Rounders | Inclusive | |
| Rowing | Inclusive | Except racing |
| Rugby - not main purpose of the trip | Level 3 | |
| Running | Inclusive | |
| Safari trekking/tracking in the bush | Inclusive | Must be organised tour |
| Sail boarding/windsurfing | Inclusive | |
| Sailing* | Inclusive | If qualified or accompanied by a qualified person and no liability cover or racing |
| Sand boarding/surfing/skiing | Inclusive | |
| Sand dune surfing/skiing | Inclusive | |
| Sand yachting* | Inclusive | No Personal Liability cover |
| Scuba diving to 18 metres | Inclusive | If qualified scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving |
| Scuba diving to 30 metres | Level 2 | If qualified scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving |
| Scuba diving to 40 metres | Level 3 | If qualified scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving |
| Sea canoeing/kayaking | Level 2 | Within sight of land |
| Segway riding* | Inclusive | Organised tours only, wearing correct safety equipment including a helmet |
| Shinty | Level 1 | |
| Skateboarding | Inclusive | Wearing pads & helmets |
| Ski - blading | Winter Sports | |
| Ski - dooing/snow mobiling* | Winter Sports | No Personal Liability cover |
| Ski biking | Winter Sports | |
| Ski boarding | Winter Sports | |
| Ski run walking | Winter Sports | |
| Skiing | Winter Sports | On piste |
| Skiing - big foot | Winter Sports | |
| Skiing - cross country | Winter Sports | |
| Skiing - mono | Winter Sports | |
| Skiing - nordic | Winter Sports | |
| Skiing - off piste** with a guide | Winter Sports | |
| Skiing alpine | Winter Sports | |
| Sky jumping (from Sky Tower in Auckland, New Zealand only) | Level 3 | |
| Sledging/sleigh riding* | Winter Sports | Pulled by horse or reindeer as a passenger |
| Sledging/tobogganing (not on snow) | Inclusive | |
| Sledging/tobogganing on snow | Winter Sports | |
| Snorkelling | Inclusive | |
| Snow biking | Winter Sports | |
| Snow blading | Winter Sports | |
| Snow boarding - off piste** with a guide | Winter Sports | |
| Snow boarding on piste** | Winter Sports | |
| Snow bobbing | Winter Sports | |
| Snow carving | Winter Sports | Using non powered hand tools only and not working above 3 metres from the ground |
| Snow go karting* | Winter Sports | No Personal Liability cover |
| Snow mobiling/skidooing* | Winter Sports | No Personal Liability cover |
| Snow scooting* | Winter Sports | No Personal Liability cover |
| Snow shoe walking | Winter Sports | Up to 3,500 metres above sea level |
| Snow tubing | Winter Sports | |
| Snowcat driving* | Winter Sports | No Personal Liability cover |
| Soccer- not main purpose of the trip | Inclusive | |
| Softball | Inclusive | |
| Spear fishing | Inclusive | Without tanks |
| Speed sailing* | Inclusive | No liability |
| Sphering/ Zorbing | Inclusive | |
| Squash | Inclusive | |
| Street hockey | Level 1 | Wearing pads and helmets |
| Street luge | Level 1 | |
| Superintendance of manual work | Level 1 | |
| Surfing | Inclusive | |
| Swimming | Inclusive | |
| Swimming with dolphins | Inclusive | |
| Swimming/bathing with elephants | Inclusive | |
| Sydney harbour bridge | Inclusive | Walking across clipped onto safety line |
| Table tennis | Inclusive | |
| Tai chi | Level 3 | |
| Tall ship crewing* | Inclusive | No racing and no personal liability cover |
| Telemarking | Winter Sports | |
| Ten pin bowling | Inclusive | |
| Tennis | Inclusive | |
| Trampolining | Inclusive | |
| Tree canopy walking | Inclusive | |
| Trekking/ walking /rambling up to 2,500 metres above sea level | Inclusive | |
| Trekking/walking/ rambling between 2,501 to 3,500 metres above see level | Level 2 | |
| Trikke riding* | Inclusive | Organised tours only, wearing correct safety equipment including a helmet. No Personal Liability cover |
| Tubing | Level 1 | |
| Tug of war | Inclusive | |
| Via ferrata | Level 2 | |
| Volleyball | Inclusive | |
| Wadi/dune/dune buggying/bashing | Level 1 | |
| Wake boarding | Inclusive | |
| Water polo | Inclusive | |
| Water ski jumping | Inclusive | |
| Water skiing | Inclusive | |
| Weightlifting | Level 2 | |
| Whale watching | Inclusive | |
| White water canoeing/kayaking/touring up to grade 4 | Level 3 | |
| White water rafting up to grade 4 | Level 3 | Within organiser's guidelines |
| Wicker basket tobogganing | Inclusive | |
| Wind surfing/sailboarding | Inclusive | |
| Wind tunnel flying | Inclusive | Pads and helmets to be worn |
| Winter walking | Winter Sports | Using crampons and ice picks only, up to 3,500 metres above sea level |
| Yachting* | Inclusive | If qualified and no personal liability cover |
| Yoga | Inclusive |