Below is a guide to help you understand which certain activities performed during your trip may potentially qualify for coverage.
The basics you need to know
If you participate in any of the activities listed here, you may be eligible for coverage, provided you observe the following guidelines:
- Always wear the right safety gear and take sensible precautions.
- Some activities have specific conditions (we've marked these with an asterisk*).
- We can only cover you when you're participating casually, not professionally.
- Please check local advice and warnings - we can't cover activities undertaken against safety guidance.
List of activities you may be covered for
Here's a list of all the activities included in the policy. You may be eligible for coverage for:
- Abseiling*
- Archery*
- Badminton
- Baseball
- Basketball
- Bowling
- Camel riding
- Canoeing (up to grade/class 3)*
- Clay pigeon shooting*
- Cricket
- Elephant riding*
- Fell running*
- Fencing*
- Fishing
- Football
- Go-karting*
- Golf
- Hockey
- Horse riding*
- Horse trekking*
- Hot air ballooning*
- Jet biking*
- Jet skiing*
- Kitesurfing
- Mountain bicycling on tarmac*
- Netball
- Orienteering
- Paintball*
- Pony trekking
- Racquetball
- Road cycling
- Roller skating
- Rounders
- Running (including running a marathon)
-
Safari (organised guided tour by vehicle or supervised walking only)
- Sailing (within 20 nautical miles of coastline)
- Sailing (outside 20 nautical miles of coastline)*
- Squash
- Surfing
- Table tennis
- Tennis
- Trampolining
- Trekking (up to an altitude of 4,000 metres without climbing equipment)
- Volleyball
- War games*
- Water polo
- Water skiing
- Wind surfing
- Yachting (outside 20 nautical miles of coastline)*
- Zorbing
*The activities marked with an asterisk have special terms under Personal Liability and Personal Accident coverages.
Scuba diving you may be covered for
Your scuba diving activities may be eligible for coverage, subject to the following conditions:
- If you're not qualified yet: you can dive up to 18 metres when accompanied by a qualified instructor
- If you hold qualifications, you need to dive with an accredited dive marshal/instructor/guide and follow your qualification guidelines:
- PADI Open Water: Up to 18 metres
- PADI Advanced Open Water: Up to 30 metres
- BSAC Ocean Diver: Up to 20 metres
- BSAC Sports Diver: Up to 35 metres
- BSAC Dive Leader: Up to 50 metres
- If you have an equivalent qualification, just get in touch with us first so we can confirm it’s accepted.
Winter sports you may be covered for
When it comes to winter sports, you may be eligible for emergency medical expense coverage, and you can also claim for your winter sports equipment (rented or of your own) in the event of accidental loss, theft, or damage, or liability for rented equipment.
You may be eligible for the following activities:
- Cross country skiing*
- Glacier skiing*
- Ice skating (on recognised ice rinks)
- Monoskiing
- Skiing (on piste, or off piste with a guide)
- Ski touring*
- Snowblading*
- Snowboarding (on piste, or off piste with a guide)
- Snowmobiling/Skidoo*
- Snowshoeing
- Tobogganing*
- Sledging and sleigh rides as a driver or passenger (not including racing or competitive elements)
*The activities marked with an asterisk have special terms under Personal Liability and Personal Accident coverages.
Main exclusions
Your policy won't cover:
- Any activities not listed above
- If the main purpose of your trip is an activity - unless it's a winter sport or a tour operated safari
- Professional participation in any activity
- Activities not done as an amateur/casual participant
- Activities done against local warnings or advice
- Overseas medical emergency expenses search and rescue costs. The policy may only cover costs of transport to the nearest hospital if medically necessary.
Keep in mind
For medical emergencies, please call Zurich Assist for help. Then, always fill out the in-app or online claim form to submit a claim—even if you’re not sure whether it’s covered. That way, we can keep a clear record and take a closer look at your situation. Just remember to keep any relevant receipts or official documents, like a police report in case of theft, to help support your claim.