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Why do I need cycling travel insurance?

Cycling travel insurance is a must-have if cycling is the primary purpose of your holiday or trip, and it also covers you if you’re taking part in timed events.

Typical travel insurance excludes anything other than leisure riding. You need cycling travel insurance if you’re on a road cycling holiday with your club, a downhill mountain bike trip with friends, or competing in a sportive or triathlon abroad.

Our cycling holiday insurance covers emergency medical care and repatriation, including emergency mountain rescue and heli-rescue if you are injured riding in the mountains. The policy also has generous cancellation and Covid covers as standard.

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Travel insurance
built for cycling holidays

If you are planning a cycling holiday, you need to make sure you have sufficient cycling travel insurance. Pedal Cover travel insurance for cycling covers medical mishaps and emergencies on your holiday, along with essential covers like cancelled trips, lost luggage, and holiday money. We cover Leisure cycling as standard and all other forms of cycling via optional activity packs. So if you’re bike packing, entering a multi-stage event, mountain biking (including downhill) or competing in a triathlon, we can cover you. Did you know we cover emergency mountain rescue and heli-rescue if you are injured riding in the mountains?
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Looking to cover your bikes?

Please be aware bikes are not covered by our travel insurance. You can find more information on how to cover your bikes here.

Cycling Activities - What we cover

We define Leisure Cycling as – Non-competitive, non-professional, recreational cycling activities. This includes cycling on paved roads, cycle paths, or easy trails for enjoyment, exercise, or sightseeing. It does not include: group training, racing, timed events, and any form of competitive or extreme cycling activity or any of the other activities listed in Packs A, B or C.

Cycling activities are included when taking part on a non-professional basis.  Unless expressly stated, activities are covered up to a maximum of 3,500m above sea level. Press the Information icon on each activity for more information.

Pack A

We define Leisure Cycling as – Non-competitive, non-professional, recreational cycling activities. This includes cycling on paved roads, cycle paths, or easy trails for enjoyment, exercise, or sightseeing. It does not include: group training, racing, timed events, and any form of competitive or extreme cycling activity or any of the other activities listed in Packs A, B or C.

Cycling on short, oval-shaped dirt tracks, typically around 70-90m in length. Riders compete on specially designed bikes with no gears, brakes, or suspension. Apart from while training, it usually involves racing four laps around the track, with riders competing in heats (individual or team-based) to score points.

Competitive cycling events that involve racing on a mixed terrain of grass, mud, dirt, and sometimes pavement, often on short, intense courses with obstacles that may mean participants have to dismount and carry their bikes. Cyclocross races usually take place on a closed course.

Road cycling activities where a large number of cyclists take part on predetermined routes. While a time of completion is provided, there is no winner. Examples include audax, sportives, charity rides and gran fondos. Road Racing and Criterium racing are not included.

The main aim is to participate in organised or self-directed road cycling activities, aimed at improving fitness and endurance. These holidays involve extensive riding on roads in scenic or challenging environments and may include participating in coached/group rides, or tailored training programs.

Competitive cycling events where participants race individually against the clock over a set distance on roads. Time trials have cyclists starting at intervals rather than in a mass start. These events vary in distance, often ranging from short sprints to longer courses, and take place on closed or open roads.

Touring involves cycling on roads that covers distances up to (and including) 160km), with overnight stays in campsites, B&Bs, or hotels.
Bike packing involves a mixture of road and off-road cycling that covers distances up to (and including) 160km), with overnight stays at campsites or in the wild.
For both activities, your bicycle is your main mode of transport. You may visit no more than three countries in a single trip.

A type of cycling that takes place on unpaved roads, gravel paths, dirt trails, and other mixed surfaces that are less smooth than typical road cycling but not as technical as mountain biking. It combines elements of road biking and mountain biking, giving a versatile and adventurous riding experience.

Competitive events where athletes take part in a minimum of two of the following discipline completing the approximate distances:
swimming up to 1.5km
cycling up to 40km
running up to 10km
Races can take place on roads or on off-road terrain.

Specifically designed for triathletes to focus on training for any or all three of the triathlon disciplines — swimming, cycling, running. These holidays involve structured training sessions, coaching, and take place in locations with facilities such as open water swimming areas, cycling routes, and running trails. The goal is to improve endurance, technique and overall fitness in preparation for a triathlon race.

Off-road cycling using a mountain bike riding on varied terrains, such as trails through forests, hills, or mountain regions. It emphasises endurance and varied terrain and can include mountain bike orienteering but does not include highly technical or extreme downhill sections.
It also includes the use of “fat bikes” with oversized tires on soft surfaces, such as snow or sand, that enable cyclists to navigate terrains that standard mountain bikes cannot.

Riding on natural or man-made trails that can include both uphill and downhill sections, often with moderate technical features (but not downhill, enduro, freeride or dirt jumps).

Pack B

We define Leisure Cycling as – Non-competitive, non-professional, recreational cycling activities. This includes cycling on paved roads, cycle paths, or easy trails for enjoyment, exercise, or sightseeing. It does not include: group training, racing, timed events, and any form of competitive or extreme cycling activity or any of the other activities listed in Packs A, B or C.

All activities listed in Pack A

BMX pump track refers to cycling on dirt tracks with jumps, banked corners, and obstacles using BMX bikes. We do not cover BMX Freestyle (including street, park, vert, dirt, and flatland) an activity which involves performing tricks and stunts, often in skateparks or on flatland.

Track cycling refers to either competitive cycling events or cycle training held on specially designed indoor or outdoor tracks (velodromes), featuring banked curves and a smooth, enclosed surface. Track cycling races include various formats, such as sprints, pursuit races, points races, and madison races, where cyclists compete against each other in a controlled environment. Track cycling usually requires specialised bicycles with a fixed gear (the rear wheel is directly connected to the pedals) and a single gear ratio.

Touring involves cycling on roads that covers distances up to (and including) 160km), with overnight stays in campsites, B&Bs, or hotels.
Bike packing involves a mixture of road and off-road cycling that covers distances up to (and including) 160km, with overnight stays at campsites or in the wild.
For both activities, your bicycle is your main mode of transport. You can visit more than three countries in a single trip.

Road racing refers to competitive cycling events that take place on roads, where cyclists race against each other over a predetermined distance from one point to another. This includes single day events and stage races over multiple days. Road racing varies in distance and terrain, from flat courses to those with significant climbs and descents.

Criterium racing (often referred to as “crit racing”) is a form of competitive cycling that involves racing on a short, closed-loop course, usually in urban areas, purpose made cycle tracks, airfields and motor racing circuits. Criterium races are characterised by a series of laps over a relatively short distance, often ranging from 1 to 3km, and feature fast-paced riding with tight turns and frequent changes in speed. Races can involve large groups of cyclists competing at the same time.

Triathlon refers to competitive events where athletes take part in a minimum of two of the following disciplines: swimming, cycling, running. Races can take place on roads or on off-road terrain. ‘Ironman +’ refers to the approximate distance completed in each race: 3.6km swim, 180km cycle and 42km run or longer.

Triathlon multisport refers to competitive events where athletes participate in a minimum of two of the following disciplines: swimming, cycling, running. Races can take place on roads or on off-road terrain. ‘Up to Half iron’ refers to the approximate distance completed in each race: 1.9km swim, 90km cycle and 21km run.

Pack C

We define Leisure Cycling as – Non-competitive, non-professional, recreational cycling activities. This includes cycling on paved roads, cycle paths, or easy trails for enjoyment, exercise, or sightseeing. It does not include: group training, racing, timed events, and any form of competitive or extreme cycling activity or any of the other activities listed in Packs A, B or C.

All activities listed in Pack A

All activities listed in Pack B

Downhill mountain biking refers to descending on categorised routes only. Categories are based on the terrain, obstacles, steepness, and overall technicality of the routes with cyclists travelling at speed, possibly encountering drops and jumps. It usually requires finding another way to the top of the route, whether hiking, shuttling, or using a chairlift. 4X (Four-Cross) racing, is a type of downhill mountain biking.

Mountain bike trials riding is a specialised discipline of mountain biking where riders navigate through challenging obstacles including drops and gaps (both natural and man-made) without putting their feet on the ground. It focuses on balance, precision, and bike control, rather than speed.

Freeriding involves performing tricks and stunts on natural or man-made features, such as jumps, drops, and obstacles. It often takes place in bike parks or specially designed trails.

Dirt jumping focuses on jumping over dirt ramps or mounds, with an emphasis on performing tricks in the air. It often takes place in dedicated dirt jump parks.

Ultra-endurance racing refers to non-stop cycling events that cover long distances over a period of several hours to several days. These races often require participants to ride continuously with minimal rest. Ultra-endurance cycling races can take place on roads, gravel, or off-road terrain, and can either be supported (with crew assistance) or unsupported (self-sufficient).

Ultra-endurance refers to cycling that covers distances over 160km. This often requires participants to ride continuously with minimal rest. Ultra-endurance can take place on roads, gravel, or off-road terrain, and can either be supported (with crew assistance) or unsupported (self-sufficient).

Mountain bike guided tours refer to organised cycling excursions led by professional guides through mountainous terrain at elevations above 3,500m but no higher than 5,500m.

Our cycling travel insurance cover explained

Our cycle travel insurance covers everything you’d expect from a premium travel policy and other benefits unique to a cycle travel insurance provider—Below is a summary. Please read the policy wording to understand the requirements and limits of cover.

Covering medical mishaps while riding is crucial and is the primary feature of our cycling travel insurance. It is also frequently missing from standard travel insurance policies. We cover the costs of emergency medical care to £10 million. The cover includes mountain rescue and heli-rescue if you are injured riding in the mountains.

Our travel insurance policies include cover for Covid 19, emergency medical care, and other expenses such as cancellation and curtailment related to COVID 19.

We have a separate section below explaining the cover; click here.

We will cover up to £5,000 for your travel and accommodation costs if you have to cancel your cycling holiday due to unforeseen illness or injury. Unlike standard travel insurance, our cycle holiday insurance also covers you for withdrawing due to an injury that prevents you from cycling on the trip, even if you could fly.

Remember, this policy doesn’t cover your bicycle. For this, you can purchase our bundled home and bike insurance, or we offer a no strings attached rolling monthly cycle insurance.

We offer a cycle breakdown benefit if you have a mechanical and need to make it back to the hotel. Repatriation for your bike if you have to return home in an emergency. Bike hire if your bike fails to arrive or is stolen, and cover for your race fee if you have to withdraw or the event is cancelled due to bad weather. All these are included as standard on our cycle travel policies.

If you damage somebody’s property or injure another road user while cycling, you could find yourself liable for damages. Every Pedal Cover travel product includes £2 million public liability cover while cycling on a trip, including in races.

Whether you want a one-off policy for a cycling trip or a multi-trip policy for the whole year, we can put together a package to suit you.

Some travel insurance policies include limited cover for cycling. You should check the small print; there are usually severe exclusions, particularly for racing or serious training. We can cover you for a family cycling holiday, training camp, during events such as Mallorca 312 or even downhill mountain biking.

For a small additional cost, you can add winter sports cover to an annual cycle travel insurance policy. This extended coverage includes cancellation, medical expenses, and repatriation for winter activities for up to 17 days a year. You also get benefits like loss or damage to ski equipment, lost ski passes, avalanche cover, and resort closure.

If you injure yourself cycling abroad, our cycle travel insurance will cover mountain rescue and heli-rescue if you are injured riding in the mountains, and if necessary, we’ll cover the costs of repatriating you back to the UK.

We include cover up to £250 for lost or delayed baggage, up to £500 for holiday money, and up to £5,000 for valuables (which includes cycling clothing, helmets and shoes). Bicycles are not included under the baggage cover. If you need cover for theft or damage to your bicycles, we can insure them separately. 

We cover cycling gadgets, for example, your Garmin, Wahoo, GoPro or other high-value electrical items. Please read the policy to know you’re getting the right cover for your trip and activities.

Our cycle holiday
insurance at a glance

Our policies have all the coverage you’d expect from top-notch travel insurance. Our activity packs offer coverage for almost all cycling activities. Just to remind you, this policy doesn’t cover your bicycle. For this, you can purchase our combined home and bike insurance, or we also offer a no-strings-attached rolling monthly cycle insurance.

DID YOU KNOW?

GHIC card protection is only valid if you are taken to a state hospital.
Most mountain resorts usually have private hospitals, and state hospitals are rare in most of Spain and Portugal.

Core travel section

Trip Cancellation£5,000
Medical Expenses (incl. heli-rescue if injured riding in the mountains)£10m
Repatriation£10m
Dental Treatment£250
Hospital Benefit£500
Valuables£5,000
Travel Documents£250
Delayed Baggage£250
Personal Money£500
Travel Delay£250
Holiday Abandonment£5,000
Missed Departure£1,000
Loss of Limbs or Sight£20,000
Permanent Disablement£20,000
Death Benefit£10,000
Personal Liability£2m
 

Cycle specific covers

Emergency Cycle Hire£500
Race Fee Cancellation Cover£500
Cycle Breakdown Benefit£200
Cycle Repatriation Benefit£250
Gadget Cover£2,000

Optional Winter sports

(annual only)

Ski Equipment£350
Ski Hire£300
Ski Pack£200
Piste Closure£300
Delay due to Avalanche£300

Whatever your needs, we have you covered

Cycling travel insurance

Single trip or an annual policy?

If you plan to take a few trips over a year, purchasing an annual policy is cheaper. Our policy can provide coverage for every race and training camp you attend overseas.

Our annual policies cover a number of other activities as standard and you can also add winter sports. Buying a yearly cycle travel insurance policy could save you the trouble of finding multiple policies.

However, if you have ‘standard’ travel insurance for most of the year but need a top-up for a training camp, one of our single-trip policies might be best.

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Cover for competitions?

Cyclists taking part in races, tours, triathlons and charity events will need to consider choosing a policy with competition cover. If you have a crash during a competition or are injured, you need coverage for liability and medical costs. Most other travel insurance suppliers exclude competitions, but it’s available with us.

We even offer you cover if you have to withdraw from an event, which prevents you from being out of pocket for expensive entry fees.

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Cycling travel insurance

Welcome to our cycling travel FAQ section

We can hopefully answer all your questions related to our travel insurance built for cyclists offered by Allianz. For customers with questions about other policies, you should go to the relevant product page or contact the team.

Cycle travel insurance predominately covers your medical expenses when travelling abroad. Amongst over things, it also covers costs if your trip is cancelled.

Cycle travel insurance does not, however, protect your bike. If you need cover for your bike, you can purchase our combined home & bike insurance, which bundles home contents, buildings, and bicycle insurance under one roof. If you don’t qualify for our home insurance or prefer dedicated cycle insurance, we also offer this as an annual contract or on a no-obligation rolling monthly basis.

Yes, assuming you purchase the correct activity pack, our cycle travel insurance provides coverage for downhill mountain biking, including participation in competitive events, emergency medical care and repatriation.

The policy also covers emergency helicopter evacuation.

Our cycling holiday insurance covers emergency medical care and repatriation, including emergency mountain rescue and heli-rescue if you are injured riding in the mountains.

Yes, assuming you purchase the correct activity pack, we want you to be able to enjoy the warm weather and beautiful roads during your training camp with confidence, so we’ll pay for your emergency medical costs and return travel if a sickness or accident prevents you from enjoying the trip.

Our triathlon travel insurance covers all distances, including Ironman events, assuming you purchase the correct activity pack. Along with a raft of other covers, we provide emergency medical or repatriation expenses should something go wrong abroad. We also cover your trip cancellation, including being unable to travel due to an injury leading up to your event.

Yes – When buying our travel insurance, be sure to choose Worldwide protection, which includes the USA.

If you don’t have any immediate plans to travel over the Atlantic, look at our European-only coverage, which is more affordable.

No – If you need cover for your bike, you can purchase our home insurance for cyclists, which bundles home contents, buildings cover (if you need it) and bicycle insurance under one roof.

If you don’t qualify for our home insurance or prefer cycle insurance only, we offer this either as an annual contract or on a no-obligation rolling monthly basis.

Yes. Our travel insurance is built to pay for unexpected medical needs. Assuming you purchase the correct activity pack, this is true for triathlons of any length and all types of bicycle racing, including mountain biking.

Our travel insurance is built to cover repatriation costs due to injuries sustained while on holiday, even when riding or competing on your bicycle. 

If a serious injury prevents you from attending an event that you have entered, we offer entry fee cancellation coverage. Before the incident that prevents you from participating in your race, you must have taken out an insurance policy with the appropriate activity pack. Additionally, you will need to provide documentation of the injury from a licenced medical professional.

On a yearly policy, there is no cap on the number of trips. However, no journey may last longer than 60 days away from the UK.

Our annual multi-trip travel insurance policy has a 120-day trip maximum, but you can take as many trips as you like during the year as long as no individual trip exceeds that length.

Our annual cycling travel insurance can include winter sports coverage as an optional benefit. For winter sports holidays, you can go for a maximum of 17 days per trip.

If you are planning an epic touring excursion, we might be able to assist with a personalised insurance policy, but you’ll need to give us a call.

Please remember that once you start travelling, we can’t provide you with extended cover.

No – If you need cover for your bike, you can purchase our home insurance for cyclists, which bundles home contents, buildings cover (if you need it) and bicycle insurance under one roof.

If you don’t qualify for our home insurance or prefer cycle insurance only, we offer this either as an annual contract or on a no-obligation rolling monthly basis.

Our travel insurance covers up to five gadgets with a combined value of £2,000; this will cover any unintentional damage to your belongings while travelling or theft (e.g. from your hotel). The policy includes Garmins and also items like laptops, tablets, and cameras.

Please remember gadgets are not covered for damage while you are cycling. It’s best to look at the policy wording or call us if you are unsure.

We cover many other sports as standard. For a complete list, it is best to look at the policy wording. 

For annual policies, if you purchase optional winter sports, you can also enjoy skiing or snowboarding.

Our policy covers you ONLY for pre-existing medical conditions on our list; we do not provide coverage for other conditions.

Covered pre-existing medical conditions:

  • Acne
  • ADHD
  • Allergic reaction (anaphylaxis) provided that you have not needed hospital treatment for this in the last two years.
  • Allergic rhinitis
  • Arthritis (the affected person must be able to walk independently at home without using mobility aids)
  • Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than two inhalers and no other medication)
  • Blindness or partial sightedness
  • Carpal tunnel syndrome
  • Cataracts
  • Chickenpox – if wholly resolved
  • Common cold or flu
  • Cuts and abrasions that are not self-inflicted and require no further treatment
  • Cystitis – provided there is no ongoing treatment
  • Deafness
  • Diabetes (which is controlled by diet or tablets only)
  • Diarrhoea and vomiting – if wholly resolved
  • Eczema
  • Enlarged prostate – benign only
  • Essential tremor
  • Glaucoma
  • Gout
  • Haemorrhoids
  • Hay fever
  • Ligament or tendon injury – provided you are not currently being treated
  • Macular degeneration
  • Menopause
  • Migraine – provided there are no ongoing investigations
  • Nasal polyps
  • PMT
  • RSI
  • Sinusitis – provided there is no ongoing treatment
  • Skin or wound infections that have entirely resolved with no current treatment
  • Tinnitus
  • Underactive thyroid (Hypothyroidism)
  • Urticaria
  • Varicose veins in the legs

Alternatively, you can view a directory set up by the Money and Pensions Service. This directory provides easy access to companies that specialise in covering pre-existing medical conditions, enabling customers to find the best value cover.

The directory can be accessed at https://traveldirectory.moneyadviceservice.org.uk/en or by calling 0800 138 7777.

Pedal Cover is not connected to the insurers provided by the directory. As we offer a travel insurance product aimed at cyclists, you should ensure that if you use a firm on the directory, they are able to cover your intended cycling activities.

No, sorry! You can view a directory set up by the Money and Pensions Service. This directory provides easy access to companies that specialise in providing cover for pre-existing medical conditions, to enable customers to find the best value cover.

The directory can be accessed at https://traveldirectory.moneyadviceservice.org.uk/en or by calling 0800 138 7777.

Pedal Cover is not connected to the insurers provided by the directory. As we offer a travel insurance product aimed at cyclists, you should ensure that if you use a firm on the directory, they are able to cover your intended cycling activities.

Yes, but the insurance will not provide coverage for any claims directly or indirectly related to the pre-existing medical condition.

Sports, pastimes and activities

  • Abseiling (within organisers guidelines)
  • Administrative or clerical occupations 1, 2
  • Aerobics
  • Amateur athletics (track and field)
  • American football
  • Archaeological digging 1, 2
  • Archery
  • Assault course
  • Badminton
  • Banana boating (as a passenger only) 3
  • Baseball
  • Basketball
  • Big game hunting 1, 2
  • Billiards/snooker/pool
  • Bobsleigh 1
  • Body boarding (boogie boarding)
  • Bowls
  • Boxing
  • Bungee jumping (only as short duration incidental day excursion with licensed public hirer) 2
  • Camel riding 1, 2
  • Canoeing (up to grade 2 rivers)
  • Cave diving (no solo diving) 2
  • Clay pigeon shooting 1, 2
  • Climbing (on climbing wall only)
  • Climbing up to 3,500 metres on slopes classified as facile or easy including rock scrambling
  • Cricket
  • Croquet
  • Curling
  • Deep sea fishing
  • Driving any motorised vehicle that you are licensed to drive in your home country (other than in motor rallies or competitions) 1, 2
  • Elephant riding/trekking 2
  • Falconry 2
  • Fell walking/running
  • Fishing Fives
  • Flying as pilot 1, 2
  • Football (amateur only and not main purpose of trip)
  • Glass bottom boats/bubbles (as a passenger only) 1
  • Gliding 1, 2
  • Go karting (within organiser’s guidelines) 1
  • Golf Handball
  • Hang gliding 1, 2
  • High diving over 9 meters (supervised pools only, no rock diving/jumping) 2
  • Hockey (must wear protective head gear)
  • Horse riding (wearing a helmet and excluding competitions, racing, jumping and hunting) 1, 2
  • Hot air ballooning (organised rides only) 2
  • Hovercraft driving/passenger 1, 2
  • Hurling (amateur only and not main purpose of trip)
  • Indoor climbing (on climbing wall only) Jet boating 1, 2, 4
  • Jet skiing 1, 2, 4
  • Jogging
  • Judo
  • Karate
  • Karting (wearing a helmet) 1, 2, 4
  • Kayaking (up to grade 2 waters only)
  • Kite Surfing 2
  • Korfball
  • Lacrosse
  • Marathon running
  • Motor sport (any type) 1, 2
  • Netball
  • Octopush
  • Orienteering
  • Paintball/war games (wearing eye protection) 1, 2
  • Parachuting 1, 2
  • Paragliding (over water only – not over Must be licensed operator with professional guide and only in EU, EEA, USA, Canada, Australia and New Zealand.) 1, 2
  • Parascending (over water only – not over Must be licensed operator with professional guide and only in EU, EEA, USA, Canada, Australia and New Zealand) 1, 2
  • Polo 2
  • Pony trekking 2, 4
  • Pot holing (must be a licensed operator with professional guide and wearing helmets)
  • Power boating (no racing and no competitions) 1, 2
  • Quad biking (wearing a helmet) 1, 2, 4
  • Racket ball Rambling Refereeing
  • Ringo (as a passenger only) 1
  • Roller skating/blading/in line skating (wearing pads and helmets)
  • Rounders
  • Rowing 4
  • Rugby (Union/League) not professional
  • Running (non-competitive)
  • Safari trekking (must be organised tour) 1, 2
  • Sailing/yachting (includes amateur racing competitions) 1, 2
  • Sand boarding 1, 2
  • Sand dune surfing/skiing 1
  • Sand yachting 1, 2, 4
  • Scuba diving up to a depth of 40 metres (must be PADI/BSAC No solo diving and subject to scuba diving endorsement below)
  • Scuba diving up to a depth of 9 metres (No solo diving and subject to scuba diving endorsement below)
  • Shooting/small bore target/rifle range Shooting (within organisers guidelines) 1, 2
  • Skateboarding (wearing pads and helmets)
  • Sledging (not on snow)
  • Snorkelling
  • Softball
  • Spear fishing (without tanks)
  • Speed sailing 1, 2, 4
  • Squash
  • Street hockey
  • Students working as counsellors or university exchanges for practical course work (non- manual) 2
  • (no competitions,inland and coastal waters only 1
  • Swimming
  • Swimming with dolphins
  • Swimming/bathing with elephants
  • Sydney Harbour Bridge walk (walking across roped)
  • Table tennis
  • Tall ship crewing 1, 2, 4
  • Ten pin bowling
  • Tennis
  • Trampolining
  • Tree canopy walking (walking across roped)
  • Trekking/hiking between 2,500 and 5,000 metres above sea level. (On organised tour along recognised routes No search and rescue other than for medical reasons.)
  • Trekking/hiking/walking up to 2,500 metres above sea level
  • Tug of war
  • Volleyball
  • Wake boarding
  • War game/paint balling (wearing eye protection) 1, 2
  • Water polo
  • Water skiing/water ski jumping 1, 2
  • Weight lifting
  • Whale watching
  • White water rafting (grades 4-6 waters only) 1
  • White water rafting (up to grade 3 waters, as a passenger only, life jacket to be worn)
  • Wind surfing/sailboarding 1
  • Wind tunnel flying (pads/helmets to be worn)
  • Zip lining/trekking (safety helmets to be worn)
  • Zorbing/hydro zorbing/sphering 1


Note
The restrictions marked against the list of covered sports, pastimes and activities above are as follows:

  1. Cover under Section G – Personal liability is excluded.
  2. Cover under Section C – Personal accident is excluded.
  3. Cover is excluded unless within organisers guidelines and as part of an organised activity led or instructed by professional guides or licensed organisers and all claims will be subject to three (3) times the standard policy excess.
  4. Cover is excluded when racing.

Scuba diving endorsement

What is covered

This policy is extended to cover you whilst taking part in underwater activities requiring the use of artificial breathing apparatus (scuba) subject to you being approved as medically fit to dive by the person or company who/which has organised the diving, and subject otherwise to all terms, conditions, exclusions and limitations of this insurance.

What is not covered

This policy does not cover claims directly or indirectly arising from, happening through or as a result of:

  • Diving by persons not holding a recognised certificate for the type of diving being undertaken, or not under professional instruction.
  • Diving without proper equipment and/or contrary to codes of good practice according to bona fide organisations such as PADI or BSAC.
  • Diving to depths greater than 30 metres (or 40 metres if additional premium paid and shown on your validation certificate).
  • Solo diving or night diving or specifically organised cave diving or diving for hire or reward.
  • Flying within 24 hours of last dive or diving whilst suffering from a cold, influenza, infection or obstruction of the sinuses or ears.
  • Diving by persons aged under 12 years of age or over 65.

Automatically covered pre-existing medical conditions:

  • Acne
  • ADHD
  • Allergic reaction (anaphylaxis) provided that you have not needed hospital treatment for this in the last two years.
  • Allergic rhinitis
  • Arthritis (the affected person must be able to walk independently at home without using mobility aids)
  • Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than two inhalers and no other medication)
  • Blindness or partial sightedness
  • Carpal tunnel syndrome
  • Cataracts
  • Chickenpox – if wholly resolved
  • Common cold or flu
  • Cuts and abrasions that are not self-inflicted and require no further treatment
  • Cystitis – provided there is no ongoing treatment
  • Deafness
  • Diabetes (which is controlled by diet or tablets only)
  • Diarrhoea and vomiting – if completely resolved
  • Eczema
  • Enlarged prostate – benign only
  • Essential tremor
  • Glaucoma
  • Gout
  • Haemorrhoids
  • Hay fever
  • Ligament or tendon injury – provided you are not currently being treated
  • Macular degeneration
  • Menopause
  • Migraine – provided there are no ongoing investigations
  • Nasal polyps
  • PMT
  • RSI
  • Sinusitis – provided there is no ongoing treatment
  • Skin or wound infections that have entirely resolved with no current treatment
  • Tinnitus
  • Underactive thyroid (Hypothyroidism)
  • Urticaria
  • Varicose veins in the legs

Yes, all medical emergencies and associated costs will be covered.

Yes, you must have gotten an inoculation or vaccination against Coronavirus as recommended by the World Health Organization or the health authority in your country of residency to be compensated for any expenses incurred from contracting the disease.

The above is true for every contagious disease for which the World Health Organization or your country’s health authority recommends an inoculation or immunisation. Travellers to portions of Sub-Saharan Africa and South America, for example, are advised to get a Yellow Fever vaccine, and you would need to show proof of this vaccination to submit a claim for any expenditures incurred as a result of catching the disease while on vacation.

Yes, as long as you’re all covered by our insurance and all asked to quarantine. To confirm the quarantine order, you must be able to present medical evidence from the treating doctor or the local authority.

If you’ve been diagnosed with Coronavirus and are unable to travel, you’ll be covered as long as your doctor confirms the diagnosis and your inability to travel.

The policy covers cancellation as long as you have documented evidence from your airline that you were denied boarding because you were showing symptoms of a contagious condition.

If you have a valid cancellation claim, the cancellation section will refund you for all non-recoverable fees, including Visas, but only for the length of your cancelled trip.

No, if the UK is put in ‘Lockdown’ once again, there will be no coverage under the insurance for cancellation claims.

No, any charges (accommodation/travel) incurred in the event that the country you are visiting is “locked down” would not be covered.

If you can show medical proof that you have been diagnosed with Coronavirus or have been directly exposed to Coronavirus, you will be compensated for any additional lodging or travel expenditures.

Any essential medical expenses, as well as any additional travel or accommodation charges, are covered under the medical expenses part of the insurance.

All insured persons are covered for quarantine under the medical section, which includes coverage for additional lodging and flights.

The policy will cover you if a close family is diagnosed with Coronavirus and becomes extremely ill, necessitating your presence due to medical reasons. Their doctor will have to sign off on this.

Your insurance will cover the cost of any additional lodging incurred while you are under quarantine based on your unique symptoms or probable COVID-19 exposure, but it will not reimburse any pre-booked lodging fees. If you have any unused pre-booked and paid for excursions that are non-refundable, your insurance will reimburse you less the standard policy excess if you can provide documentary evidence to support the quarantine order from either the government, a public authority in the country you are visiting, or the treating doctor.

If you travel somewhere that is against FCDO guidelines, you will not be covered.

If you bought your single trip travel insurance before the change in FCDO guidelines and have not yet left, your policy will no longer give any coverage. You have the option of deferring your policy’s coverage period or requesting a full refund of your money.

If you bought your single trip policy before the change in FCDO advise and have already left, full policy coverage will apply as long as you follow all UK, local government, or equivalent instructions.

If after looking through the FAQs you can’t find the answer you are looking for, you can call us Mon to Fri from 9 am to 5 pm. We typically answer calls in under 30 seconds.

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