South Africans are by nature, adventuresome and sports mad. It is therefore not uncommon that many South African ask us if we have adventure sports travel insurance which they can participate in whilst on holiday. Several of our policies have adventure sports travel insurance but there are certain activities that are not covered and with some sports if you do not stick to some safety guidelines you may jeopardise your cover.
What policies offer leisure and adventure sports travel insurance?
| Policy Name | Emergency Medical Related Expenses |
|---|---|
| Luxury | R 5,000,000 |
| Business | R 5,000,000 |
| Economy Travel Insurance | R 2,000,000 |
| Africa, Asia, Indian Ocean & Middle East | R 500,000 |
| Credit Car/Medical Aid Top-Up | R1,000,000 |
| Schengen Visa | R1,000,000 |
| Youth | R250,000 |
Our leisure and adventure sports travel insurance will cover You for Emergency Medical and Related Expenses up to the amounts shown in the Policy Schedule of Benefits listed in the Table above if You are under 65 (sixty-five) years and taking part in approved Leisure and Sporting Activities and NOT:
- Taking part as a professional;
- Racing;
- Taking part in a competition;
The cover provided is on a recreational and non-professional basis. Therefore, any
participation in sports or activities is subject to Your compliance with local laws and regulations and the use of recommended safety equipment not listed (such as helmet, harness, knee, and/or elbow pads).
PLEASE NOTE: We may cover You for other activities not listed at an additional cost.
Please email us your request.
Sports Extensions
School collision sports: cover for certain Collision Sports covered for school children, limited to rugby, hockey, netball, and soccer. Players must be under the age of 20 years.
The cover is limited to R1,000,000 (one million rand) whilst training for, participating, or engaging in playing the sport. Sprains, strains, and physiotherapy excluded.
Important information:
When You are sailing on international waters and are not within reach of land, Our
Emergency Assistance Service can only provide emergency services from the nearest port or harbour. Likewise, when hiking, We can only provide emergency services from the base camp.
What is not covered
- The excess shown in the Policy Schedule of Benefits, except where you have paid the excess waiver option.
- Participating in a Professional Sport unless authorised by Us before travel.
- Sprains, strains, and physiotherapy treatment.
- Claims as a result of mountaineering that require the use of ropes, crampons, or ice axes.
- Participating in a race.
- Participating in any sport not listed on the Leisure and Sporting Activity schedule.
- Being over the age of 65 (sixty-five) years inclusive.
- Participating in any of the following Leisure and Sporting Activities that are entirely excluded
- SPORTS & ACTIVITIES WHICH ARE NOT COVERED
- Aerobatic flying,
- Cape Epic,
- Parkour,
- Cave diving,
- Cliff diving,
- Freediving,
- Hang gliding,
- Horse racing,
- Hunting,
- Ice climbing,
- Microlite flying,
- Motor vehicle and/or motorbike and/or quad bike racing,
- Rock climbing,
- Running with the bulls,
- Sky diving,
- Sky surfing,
- Street luge,
- Tow-in surfing,
- Tour de Afrique,
- Toboggan racing,
- White water rafting class 6,
- Mount Everest past base camp,
- Heli-skiing,
- Horse Jumping,
- Skate Boarding,
- Muay Thai,
- Paragliding,
- Parachuting,
- skiing on black slopes,
- Freestyle skiing,
What sports are you covered for?
- Clay Pigeon Shooting – supervised by a qualified person.
- Cricket.
- Croquet.
- Curling.
- Cycling.
- Dancing.
- Darts.
- Deep-Sea Fishing.
- Dinghy Sailing – Inland & coastal waters provided it is in territorial waters.
- Dog Skijoring.
- Dog Sledding.
- Dressage.
- Dry Skiing.
- Dune Bashing.
- Elephant / Camel riding.
- Fell Walking.
- Fencing – Supervised by a qualified person.
- Field Hockey.
- Fishing.
- Foot Bag (Hacky Sack).
- Football.
- Go Karting (leisure only) – Engine capacity of 200cc or less.
- Golf.
- Gym.
- Gymnastics.
- Handball.
- High Diving – Less than 10 meters indoor only.
- Hiking – Under 6,000 metres altitude, no solo treks, no mountaineering using ropes.
- Hill Walking – Under 6,000
- metres altitude, no solo treks, no mountaineering using ropes.
- Hockey.
- Horse Riding – Excluding Jumping, Hunting and Polo.
- Hot Air Ballooning – organised trips and travel as a passenger only.
- Husky sledge driving – excluding endurance.
- Ice skating – excluding speed skating.
- Inline Skating.
- Javelin.
- Jet Boating.
- Jet Skiing up to a capacity of 500cc.
- Jogging.
- Ju-Jitsu.
- Judo.
- Karate.
- Kick Boxing.
- Kite Skiing, Surfing, and Boarding.
- Korfball / Basketball / Netball.
- Power Lifting.
- Racquetball.
- Rambling.
- Roller Blading.
- Roller skating.
- Rounders.
- Rowing – Inland and coastal within territorial waters.
- Rugby.
- Running, Sprint, Long Distance.
- Safari – Organised trips only excluding any guns.
- Sailing & Sailboarding & Sandboarding.
- Scooter – Provided You wear a crash helmet, You or the driver hold a current legal motorcycle drivers license and a driving permit to drive in the country permitted.
- Scuba Diving (not within 24 (twenty four) hours of a flight) – Max depth 30m, accompanied by a qualified instructor and not diving alone.
- Segway – A two-wheeled motorized personal vehicle consisting of a platform for the feet mounted above an axle and an upright post surmounted by handles.
- Skidoo.
- Skiing on the piste, alpine, green, blue, red slopes.
- Snorkelling.
- Snowboarding on-piste. green, blue, red slopes.
- Surfing – in territorial waters
- Soccer.
- Softball.
- Squash.
- Streetball.
- Surfing – In territorial waters.
- Swimming.
- Trekking under 6,000 metres altitude, no solo treks, no mountaineering using ropes.
- Triple Jump.
- Tug of War.
- Twirling.
- Volleyball.
- Wakeboarding.
- Water polo.
- Table Tennis.
- Tennis.
- Tenpin Bowling.
- Tobogganing.
- Twirling.
- Volleyball.
- Wakeboarding.
- Water polo.
- Yoga
How to make sure you stay covered
-
Ensure your policy Benefit Includes Sports or leisure cover
Check the table above to see the policies that offer adventure sports travel insurance.
-
Understand what is not covered
Look at the section on “What is not Covered” above and ensure you are not transgressing any of these. For example, are you a professional athlete taking part in your chosen sport. If yes, then contact us to see if we can cover you for your sport but you will not be covered. For the young at heart over 65 year-olds, sorry you are not covered by our adventure sports travel insurance.
-
Study the requirements for the sports that are covered
Look at the section of what our adventure sports travel insurance does cover in the section on “what is covered”. For example, if you are snow skiing, be extra careful on black slopes as you will not be covered if you injure yourself whilst skiing on them. Skiing off piste will not cover you. Similarly, if you are scuba diving do not dive within 24 (twenty four) hours of a flight – Your Max depth you will be covered for is 30m, and you must be accompanied by a qualified instructor and not diving alone. Peruse the table for the sport you are participating in so that you are armed with the knowledge of where you could be over stepping the boundaries of safety and your adventure sports travel insurance cover.
over.
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