Why do I need adventure sports cover?

Sports and leisure activities are great fun, but each activity comes with its own level of risk and unpredictability. Even if you’re only taking part in low-risk activities, things can still go wrong. For example, you could fall and twist your ankle while you’re out jogging, you could take a nasty bump while playing beach sports or you could become ill and need medical attention after scuba-diving.

Many sports and leisure activities are covered on our standard travel insurance policies at no additional premium. From 5th May 2021 we are temporarily unable to provide cover while you take part in riskier Category 2 and Category 3 sports and leisure activities like kite surfing and rugby, while we make improvements to the booking engine of our website.

However, this is just a temporary measure. In the near future we will be able to offer travel insurance to people who plan to take part in the more adventurous sports and leisure activities under our Single Trip, Annual Multi-Trip and Backpacking policies once more. Policies purchased before 5th May 2021 aren’t affected and your cover won’t change.

Travel Insurance for
Sports & Leisure Activities

Q: Can I get travel insurance for sports activities with a pre-existing medical condition?

We provide cover for people with pre-existing medical conditions under our Single Trip and Backpacker policies, which means you may be able to get sports travel insurance if you have a pre-existing medical condition. Before you book your policy, it’s very important that you tell us about any pre-existing medical conditions you suffer from. This is because it’s unlikely that we will pay any claim for medical expenses, trip cancellation or cutting short a trip if it relates to a medical condition that you have not told us about. By telling us about any pre-existing mental and physical conditions you have, we can tailor your policy to you and make sure you have the cover you need in case something doesn’t go to plan. Sadly, if you fail to declare a condition, you won’t be covered. So, if you’re in doubt, please declare your condition. Terms and Conditions apply.

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What is sports travel insurance?

Holidays are a great time to try new experiences, enjoy hobbies and get the adrenaline pumping. Whether you fancy a thrill-seeking bungee jump, want to gallop across the sand dunes on camel back or just take a leisurely bike ride along a coastal path, most resorts have an activity for everyone.

That being said, each activity carries its own element of unpredictability, and sometimes danger. Here at Allianz Assistance, we want to ensure that whatever tickles your fancy, you can be confident we’ve got you covered. We offer cover for lots of activities as part of your policy but, if you’re that little bit more adventurous and want to try something even riskier, we’re proud to offer our Sports and Leisure activities add on. Our travel insurance with sports cover can help keep you protected whether you’re into tennis, trekking, scuba-diving or surfing, so you can enjoy your holiday with peace of mind.

Below is some information about our insurance products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

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What does sports travel insurance cover?

At Allianz Assistance, we offer Single Trip, Annual and Backpacker insurance policies. On our Single Trip and Annual policies, we also offer three levels of cover: Bronze, Silver and Gold. Depending on which policy you choose, we offer cover for things like:

Cancelling or curtailing your trip
Emergency medical and associated expenses
Loss of passport*
Delayed personal possessions
Lost, stolen or damaged personal possessions*
Loss of personal money*

Personal accident cover
Missed departures
Delayed departures
Personal liability
Legal expenses
End-supplier failure**

*Not available with Bronze cover
**Only available with Gold cover
Terms and Conditions apply.

With our Single Trip, Annual and Backpacker policies, you’ll also receive cover for some sports and activities such as cycling, sailing and scuba-diving.

Whether you need cycling holiday insurance, trekking insurance or cover for something more extreme, our sports travel insurance is appropriate for most travellers. For the full list of sports and activities we provide cover for, please click here.

If you’re planning any other fun activities while you’re away, then other cover options are available. Our Winter Sports and Ski insurance is separate to our sports travel insurance and could protect you against ski-specific risks such as piste closures. Meanwhile, our Golf insurance can help protect you and your clubs if they’re lost or damaged.

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Frequently Asked Questions

Which sports and leisure activities are included?

Regardless of whether you’re looking to try some aerial activities, head below the surface of the water or keep your feet firmly planted on dry land, our sports travel insurance covers many of the sports and leisure activities* that most holidaymakers love, including:

Cycling
Sailing
Trekking, hiking, walking or hill walking
Motorcycling
Scuba-diving
Snorkelling
Horse riding and pony trekking
Bungee jumping
Parachute jumping
Hot air ballooning
Watersports like jet-skiing, parasailing, kayaking and waterskiing

These are some of the most popular activities that people ask us about, but we also offer cover for other activities, too. For a full list of the sports and leisure activities our sports travel insurance covers, please click here.

*You’re covered for sports and leisure activities as long as you’re not taking part as a professional, racing, or taking part in a competition.

Can I get cover for any sports activities that aren't currently listed in the policy documents?

If you’re heading away and you’re planning to take part in a sport or leisure activity that you cannot see on our list, our sports travel insurance may still be able to cover you. Please phone us on 020 8603 9653 to find out.

Please be aware that there may be some activities we're unable to cover.

Do I need additional cover to partake in winter sports?

If you’re planning to take part in winter sports like skiing, snowboarding or tobogganing, then you won’t be covered by our sports travel insurance and you should consider the additional protection that’s provided by our Winter Sports and Ski cover.

This will then protect you against risks that are unique to this type of activity, such as avalanche closures, unused ski-pack costs if you need to cancel or cut short your trip, delayed or damaged ski equipment and piste closures.

Can I get travel insurance for sports activities with a pre-existing medical condition?

From 5th May 2021, we will no longer be offering travel insurance policies to cover people's pre-existing medical conditions. This is only a temporary measure while we make improvements to our online booking engine. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again. Policies purchased before 5th May 2021 aren't affected and your cover won't change.

Terms and Conditions apply.

How to ensure you have the right cover

What is an EHIC or GHIC and what can it offer you?

Having a European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) will entitle you to the government-provided healthcare of the European Union country you are visiting, lowering the medical costs you would normally expect to pay. Although this is a good addition to take on holiday, having a travel insurance policy as well could provide you with further protection and peace of mind whilst you are abroad. Our travel insurance policies can protect you against many unforeseen eventualities.

Does your bank or credit card company provide cover?

A lot of bank accounts or credit cards come with varying levels of travel insurance cover. Although some may be comprehensive and suitable for most trips, they may not cover you for everything you have planned whilst you’re away. If you have adventurous plans or unusual excursions booked for your trip, you might not be covered. Make sure you look into the travel insurance policy that you have before every trip, to make sure it’s suitable for you and your plans.

Purchasing a holiday using a credit card means you are often protected by Consumer Protection cover that is offered on purchases when a provider defaults and you are unable to receive your goods (or in this case, go on your holiday). This means that, in most cases, you can get your money returned to you before going on your trip.

Are you covered by ABTA or ATOL?

If you have booked a holiday through a tour operator or travel agent, it may be worth checking if you are covered by ABTA (Association of British Travel Agents) or ATOL (Air Travel Organiser’s License). This type of cover means that your package holiday is protected if, for example, the travel company providing your holiday arrangements or the travel agent themselves fail financially or close down. Your travel agents will be able to tell you if your holiday is ABTA or ATOL protected. Alternatively, use the links provided to check your cover at home.

TRAVEL FAQS

Insurance types to suit your needs – however you like to travel

Backpacker
Travel Insurance

Whether you’re taking a gap year or a career break, backpacking is a great way of seeing the world. Our Backpacker insurance comes with some sports and leisure cover included, so you can scuba dive, bungee jump or hike while you explore.

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Family
Travel Insurance

Whether you’re heading for an action-packed adventure or want to keep things at a leisurely pace on your next family holiday, protect your loved ones on one policy with Family travel insurance from Allianz Assistance.

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Annual
Travel Insurance

Our Annual travel insurance includes cover for sports and activities like cycling, jet-skiing and snorkelling. Whether you’re sunning yourself on the beaches of Spain or enjoying a safari trek in Africa, our cover is appropriate for most travellers.

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Winter Sports & Ski
Travel Insurance

If you’re foregoing sandy beaches and snorkelling for snow-capped mountains and après-ski, our Winter Sports and Ski travel insurance can provide you with an appropriate level of cover for your trip.

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Single Trip
Travel Insurance

Just taking the one holiday this year? Our Single Trip policy comes with some sports and leisure activities included, so you can head out to sea on a banana boat, cycle around the coastline or try your hand at surfing.

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Other products you may be interested in

Golf
Travel Insurance

From 5th May 2021, while we can still cover you under the standard sections or our travel insurance policies while on a Golf holiday, will not be able to offer the additional cover previously provided by the Golf optional extra section. This is only a temporary measure while we make improvements to the booking engine of our website. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again.

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Business
Travel Insurance

Whether you travel for work frequently or need insurance for just one trip, you can focus on the job at hand knowing you're protected, with Business travel insurance from Allianz Assistance.

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Medical Solutions 24/7 GP telephone and video consultations

Customers who have bought our travel insurance can arrange a medical consultation with a UK GP, to talk through your medical concerns, 24 hours a day, 7 days a week. Alternatively, you'll be able to speak to them face to face by booking an online video consultation*.

*For video consultations, time restrictions apply and UK Bank Holidays are excluded.

Find out more

Need help? Call us on:
0371 200 0428

Monday to Friday, from 9am to 5pm

Frequently Asked Questions

Do you have questions about our product or services? Find the answer in the FAQs

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Policy Documents

Instant access to all our
policy documents

POLICY DOCUMENTS

Alternative Cover Options For Pre-existing Medical Conditions

If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy through one of the providers featured in the Money and Pensions Service (MaPS) directory of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory

Call: 0800 138 7777 (lines are open Monday to Friday, 8am to 6pm)
or
Email: traveldirectory@maps.org.uk