Make sure you check your policy documents
for sports and activities that could be covered before getting your travel insurance policy (these are usually listed in the terms and conditions). Here are some of the activities that could be covered, although these could vary between insurers:
- Safari trips
- Golf (excludes golf equipment cover)
A standard policy won't cover activities like skiing or snowboarding, so you may want to consider taking out additional winter sports cover
just in case. Many backpackers policies
include cover for a greater number of adventurous activities, plus you could be covered for trips of a longer duration.
Some policies offer personal accident and liability cover as standard for some activities (these could be limited if you're taking part in more dangerous activities). Your policy might ask you to contact your insurer to check if you're covered for the activities you're planning to part take in; be sure to do this in advance. Activities that are considered to be 'hazardous' might require additional cover with a higher excess and premium.