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15 extreme sports your travel insurance policy may not cover

Thrill-seekers looking to take a plunge (or a climb or a jump or whatever else) during their next holiday should take note of this article. If you are looking for adventure, take a look at extreme sports your travel insurance policy may not cover.

Even if you purchase adventure sports cover from your travel insurance provider, your desired activity may not be covered. Before you go, read the Product Disclosure Statement for your travel insurance policy.

Ice climbing

This notoriously dangerous activity of ascending inclined ice mountains is not covered by many travel insurance companies. Whether you are roped or not, many insurance companies find this activity to be too dangerous to insure. If you remember our post on the travel insurance common sense clause, you will remember that activities travel insurance providers think go against common sense (and the laws of nature) usually are not covered.

Look for a policy provided by the company you are climbing with, and know that even if you purchase travel insurance, you may not be eligible for benefits if your injuries result from ice climbing.


The popular sport of the Peruvian desert, sandboarding is a board sport similar to snowboarding. If you visit the desert village of Huacachina, sandboarding is the most popular activity (along with high-speed dune buggy racing). Considered a must-try for adrenaline junkies, this activity may not be covered by your travel insurance provider – even if the company covers snowboarding. The obscurity of the sport coupled with its inherent danger make it an activity many travel insurance companies forget about or omit.


This surface water sport combines elements of surfing and sailing. Australians may not think much of this sport, but if you are enjoying the waves overseas when something goes wrong, it could cost you. Many travel insurance companies do not cover windsurfing, and recommend saving this dangerous sport for home, where you are more familiar with the waters.

Wingsuit flying

Jumping out of an airplane without a paracute is what we in the travel insurance industry would call idiotic. No, we do not cover this, because it is extremely dangerous. Conservative estimates from Wingsuit Flying estimate that to date, almost 200 BASE jumpers have been killed during the activity, of whom 50 have died whilst flying in a wingsuit.


This modern martial art and Olympic sport can get excessively dangerous, if you don’t know what you are doing. Travel insurance companies have a hard time endorsing activities where you attack other people, as it is too difficult to determine fault.


Other extreme sports that may not be covered by your travel insurance provider include:

  • BASE jumping
  • BMX
  • Bodyboarding
  • Hang gliding
  • Kite surfing
  • Motocross
  • Parkour
  • Rock climbing
  • Sand kiting
  • Skateboarding

Of course, every travel insurance provider is different, so if you have a specific activity on your holiday list, shop around. You are sure to find a company that offers what you need. If you are thinking of travelling with youGo Travel Insurance, here is a comprehensive list of the activities our plans automatically cover (from our Product Disclosure Statement):

  • Abseiling
  • Archery
  • Ballooning
  • Bungy jumping
  • Flying fox
  • Horse riding
  • Jet boating
  • Jet skiing
  • Kayaking
  • Paragliding
  • Parasailing
  • Skydiving
  • Snorkelling
  • White water rafting

Other activities, such as motorcycle/moped riding, skiing, snowboarding and snowmobiling may cost extra, and may not be available depending on your situation. Contact youGo at 1300 916 560 for full details.