Travel insurance is probably the least adventurous thing you can think of. But it makes sense to be covered for injury, losses or cancellation if you're planning on going beyond your comfort zone.
Worldcare Travel Insurance Comprehensive Insurance policy* covers a range of adventure activities such as surfing, rockwall climbing, bungee jumping, white-water rafting and canyon swinging, plus more, in most destinations you're likely to visit.
If you are injured overseas, we can cover overseas medical and hospital expenses, and can also provide overseas emergency assistance and medical evacuation*. Our travel insurance provides assistance services including any messages which need to be passed on to your family or employer in the case of an emergency. We also provide cover for many losses outside your control, such as flight cancellations due to weather and lost luggage and personal effects by an airline.
In some countries, such as the United States, the cost of getting you to hospital and receiving quality medical treatment can be very expensive. It's worth considering taking out cover with Worldcare—so you can have the freedom to focus on the experience.
*Terms, conditions, limits and exclusions apply. Please refer to the Product Disclosure Statement for details.
What activities are automatically included in Worldcare’s Travel Insurance?
Your policy provides cover for claims arising directly from your participation in the following activities, subject to the terms, conditions, limits and exclusions that apply to the section under which your claim is made, along with any General Exclusions:
- aqua zorbing;
- bar and restaurant work (except security or crowd control);
- bicycling (but not bicycle motorcross (BMX) or downhill mountain biking);
- bungee jumping or canyon swinging;
- camel, donkey or elephant riding (under appropriate supervision);
- dog sledding;
- diving underwater at a depth no greater than 10 metres;
- diving underwater using an artificial breathing apparatus at a depth no greater than 10 metres (in order to be covered for this activity, you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities, and note that restrictions apply);
- fishing (on land or within 2 nautical miles of land);
- fruit picking that does not involve the use of machinery;
- gym activities (but not powerlifting);
- gymnastics (but not competitions);
- horse riding (but not competitions, equestrian events, steeple chasing, jumping, or polo);
- ice skating on a rink (but not including competitive skating, racing, speed skating, and tour skating);
- leisure activities (meaning any activities involving minimal physical exertion that are undertaken for relaxation or pleasure. For example, sight-seeing, picnics, photography and museum or art gallery visits);
- music and singing;
- paintball (with eye protection);
- racing on foot as an amateur for distances up to and including full marathon (42.2 kilometres or 26.2 miles) and note that restrictions apply;
- racquet and ball sports not involving physical contact;
- regulated or licensed ballooning;
- river cruising;
- rockwall climbing (under appropriate supervision);
- safari (under appropriate supervision) but not hunting;
- sailing up to 10 nautical miles from land;
- shark cage diving (subject to diving restrictions listed above);
- shooting (fixed target only);
- skateboarding, roller skating, inline skating (but not including vert skating or acrobatics);
- snorkelling at a depth no greater than 10 metres;
- surface water activities in rivers or rapids graded I, II or III under the International Scale of River Difficulty, or lakes or canals (see https://americanwhitewater.org);
- swimming and other surface water activities (other than sailing) up to 2 nautical miles off any land mass;
- track and field athletics; and
- walking, hiking, trekking or tramping, peaking at altitudes up to 3,000 metres where specialist climbing equipment is not required (excluding expeditions to or on the Kokoda Track/Trail).
Adventure Pack—what’s covered?
If you are planning on tackling an activity not listed above, your chosen activity may be covered by our Adventure Pack, which is available for you to purchase as an add on to Comprehensive, Multi-Trip or Domestic policies. If you purchase an Adventure pack it will be shown on your Certificate of Insurance.
Here is a list of covered adventure activities:
- animal conservation and handling (under appropriate supervision);
- battle re-enactment (but not with firearms);
- cave/river tubing;
- contact sports (including any form of rugby, Australian Rules football or American football);
- deep sea fishing;
- diving underwater using an artificial breathing apparatus at a depth no greater than 30 metres (in order to be covered for this activity, you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities and note that restrictions apply—refer to General Exclusions ‘Activities’ and ‘Diving alone’);
- expeditions to or on the Kokoda Track/Trail;
- flying fox/zip lining;
- hiking, trekking or tramping, peaking at altitudes from 3,000 metres up to 6,000 metres, where specialist climbing equipment is not required;
- martial arts;
- motorcycles, mopeds or motorised scooters—including as the driver or as a pillion passenger;
- outdoor rock climbing (with ropes and appropriate safety gear);
- quad bike riding (but only single rider);
- sailing from 11 to 15 nautical miles from land;
- shooting (moving target—e.g. clay pigeon), but not hunting;
- surface water activities in rivers or rapids graded IV or V under the International Scale of River Difficulty (see https://americanwhitewater.org);
- tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (but you must be in tandem with a licenced instructor for these activities).
Please note that age and cover restrictions apply to our Adventure Pack.
Adventure Packs have an additional excess of $500, which can't be changed or removed. Overseas Medical & Hospital Expenses or Cancellation claims arising from your participation in adventure activities will incur a $500 excess in addition to your chosen base excess.
It's easy and convenient to get a quote, and purchase your travel insurance directly online with Worldcare. If you would like more information, or just prefer not to purchase online, you can also call our Contact Centre.