Free cover for sports and activities
Fancy getting active while you're away? Living with a medical condition doesn't always have to hold you back from getting involved in sports and activities - even if it's just a gentle hike or a sailing excursion. So it's good news that with Travel Insurance 4 Medical you are automatically covered for over 150 pursuits - free of charge.
Cover is subject to you using the recommended safety equipment (such as a helmet, harness, knee and elbow pads), and following safety procedures, rules and instructions of qualified instructors. If the sport or activity is provided by a local operator you must ensure they are appropriately qualified and licenced.
There is a general exclusion under our policies for claims arising directly or indirectly from putting yourself in unnecessary danger. The insurer will not pay your claim if you do not meet this policy condition. If you use a motorised vehicle during your trip, please make sure you hold a full and valid United Kingdom driving licence that allows you to use that vehicle.
For policies purchased before 31st December 2024 please click here.
For policies purchased after 1st January 2025
Please note that all of the activities listed below are covered on a non-professional and non-competitive basis unless otherwise stated. All activities marked with an asterisk (*) indicate those which do not have Personal Liability cover and those marked with a (‡) indicate those for which the Personal Accident sum insured is reduced by 50%.
Please refer to the policy wording for more details of the cover provided.
| Activity |
|---|
| Aerobics |
| Abseiling (indoor / outdoor climbing wall up to 25 metres) * ‡ |
| Adventure Racing (up to 6 hours) * ‡ |
| Air Boarding [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Airsoft * ‡ |
| Amateur Athletic - Field Events |
| Amateur Athletic - Track Events |
| Angling / Fishing (freshwater) |
| Angling / Fishing (sea) * ‡ |
| Animal Sanctuary (excludes big game) |
| Archery |
| Badminton |
| Bamboo Rafting |
| Banana Boating / Donuts / Inflatables behind a power boat |
| Bar Work |
| Baseball |
| Basketball |
| Big Foot Skiing [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Billiards |
| Bird Watching |
| Blade Skating |
| Blade Skating [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Board Sailing |
| Body Boarding |
| Boules |
| Bowling |
| Bowls |
| Bridge Swinging |
| Bum Boarding [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Bungee Jumping (up to a maximum of three jumps per trip) |
| Camel Riding / Trekking (organised in the United Kingdom) |
| Camel / Elephant Riding / Trekking (not organised in the United Kingdom) * ‡ |
| Camping |
| Canoeing (including white water canoeing, Grades 1 - 2 only, rivers only) |
| Caravanning |
| Catamaran Sailing (territorial waters only) |
| Clay Pigeon Shooting |
| Climbing (indoor / outdoor climbing wall up to 25 metres) * ‡ |
| Cricket |
| Croquet |
| Cross Country / Nordic Skiing [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Cross Country Running * ‡ |
| Curling |
| Cycling Touring / Leisure Biking (not racing or downhill racing, under 1,000 metres altitude) |
| Dancing |
| Darts |
| Disc Golf |
| Diving (indoor up to 10 metres) * ‡ |
| Diving (indoor up to 5 metres) |
| Dog Sledging (organised and non-competitive, leisure purposes and as a passenger only driven by a qualified driver) [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Dragon Boat Racing |
| Dry Skiing [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Dry Slope Skiing * ‡ |
| Dry Slope Snowboarding * ‡ |
| Elephant Riding / Trekking (organised in the United Kingdom) |
| Falconry * ‡ |
| Fell Running (under 2,000 metres altitude) * ‡ |
| Fencing |
| Fives |
| Flag Football |
| Fly boarding * ‡ |
| Flying as passenger (light aircraft not licensed for fare paying passengers) |
| Football / Soccer - Organised Amateur Match * ‡ |
| Football / Soccer (practice and training) |
| Frisbee (recreational) |
| Frisbee (ultimate Frisbee) * ‡ |
| Gaelic Football (practice and training) * ‡ |
| Glacier Walking [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Golf |
| Gorilla Trekking (booked pre-trip and between 1,001 and 2,000 metres altitude) * ‡ |
| Gorilla Trekking (under 1,000 metres altitude) |
| Gymnastics * ‡ |
| Handball (organised amateur match) * ‡ |
| Highland games |
| Horse Riding (no polo, hunting, jumping, or racing) |
| Hot Air Ballooning (organised pleasure rides only) |
| Huskey Dog Sledging (organised and non-competitive) [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Ice Hockey [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Ice Karting [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Ice Skating [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Ice Skating * ‡ |
| Ice Windsurfing [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Indoor Skating (not ice-skating) |
| Iron Man * ‡ |
| Jet Boating (passenger only and no racing or competition) * |
| Jet Skiing (no racing) |
| Judo (organised training) * ‡ |
| Karate (organised training) * ‡ |
| Kendo (organised training) * ‡ |
| Kick Sledging [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Kiting |
| Korfball |
| Lacrosse * ‡ |
| Langlauf [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Laser Tag |
| Low Ropes |
| Marathons |
| Martial Arts (organised training, no competition or bouts) * ‡ |
| Model Sports |
| Motorbiking (on road under 125cc, a helmet and protective clothing must be worn, no touring or using a motorbike as the main mode of transport on a trip) * ‡ |
| Motorbiking pillion passenger (on road under 125cc, a helmet and protective clothing must be worn, no touring or using a motorbike as the main mode of transport on a trip) * ‡ |
| Mountain biking (not BMX (on or off-road) and not downhill racing, up to 1,000 metres) * |
| Mountain Biking (not downhill racing, not BMX (on or off-road), between 1,001 and 2,000 metres altitude) * ‡ |
| Netball |
| Orienteering |
| Paint Balling * ‡ |
| Parascending (over water) * ‡ |
| Passenger Sledging (organised and non-competitive, leisure purposes and as a passenger only driven by a qualified driver) [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Pétanque |
| Peteca |
| Pigeon Racing |
| Pony Trekking |
| Pool / Snooker * |
| Quoit |
| Rackets |
| Racquetball |
| Rafting (white Water Grades 1-2) |
| Rambling (under 1,000 metres altitude) |
| Rap Running / Jumping (Indoor / outdoor climbing wall up to 25 meters) * ‡ |
| Re-Enactment * |
| Ringos |
| River Punting |
| Rounders |
| Rowing (inshore and recreational) |
| Rugby (practice and training) * ‡ |
| Safari (not organised in the United Kingdom) * ‡ |
| Safari (organised in the United Kingdom) |
| Safari Trekking (not organised in the United Kingdom) * ‡ |
| Sail Boarding / Wind Surfing / Board Sailing * |
| Sailing (inshore, recreational or as part of an organised activity in territorial waters) * |
| Sand Yachting * ‡ |
| Scuba Diving (not solo, to a maximum depth of 30m). See special note at the end of this table* |
| Sea Canoeing / Kayaking (inshore) * ‡ |
| Segway (supervised, non-competitive) |
| Shark Diving / Swimming (cage) * ‡ |
| Shinty * ‡ |
| Ski - blading [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Skiing - alpine [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Skiing off piste with a guide [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Skiing on piste [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Sledging (organised and non-competitive, leisure purposes) [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Sleigh Riding - Reindeer, horses or dogs (organised and non-competitive, leisure purposes and as a passenger only driven by a qualified driver) [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Snorkelling |
| Snow Boarding [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Snow Bobbing [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] * |
| Snow Mobiling / Ski-doos [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] * |
| Snow Scooting [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] * |
| Snow Tubing [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Snowshoe Walking [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Soft Ball |
| Squash |
| Stoolball |
| Street Hockey * ‡ |
| Surf lifesaving (organised competition) * ‡ |
| Surfing * ‡ |
| Swimming (inside marked areas and/or with lifeguard present) |
| Swimming with dolphins (inside marked areas and/or with lifeguard present) |
| Sydney harbour bridge (organised and walking across clipped onto a safety line) |
| Table Tennis |
| Telemarking [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Tennis |
| Tenpin Bowling |
| Theme Parks |
| Tobogganing [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Tough Mudder * ‡ |
| Trampolining * ‡ |
| Trekking / Mountain Walking / Hiking / Rambling / Mountaineering (in a group, between 1,001 and 2,000 metres altitude, no cover where ropes, picks or other specialist climbing equipment is required.) * ‡ |
| Trekking/ Mountain Walking / Hiking / Rambling / Mountaineering (in a group, under 1,000 metres altitude, no cover where ropes, picks or other specialist climbing equipment is required.) |
| Triathlon * ‡ |
| Tubing |
| Tug of War |
| Unicycle riding * |
| Volleyball |
| War Games/Paint Balling * ‡ |
| Water Parks |
| Water Polo * ‡ |
| Water Skiing (no jumping) * ‡ |
| Weightlifting * ‡ |
| Whale Watching (professionally organised) |
| Winter Walking (using crampons and ice picks only) [Cover is only provided where your Policy Schedule shows that you have bought winter sports cover.] |
| Wrestling (organised training) * ‡ |
| Yachting (inshore - crewing) |
| Yoga |
* Special note on scuba-diving
Scuba-diving is covered to the confirmed depths per grade in the table above. You must be diving under the direction of an accredited dive marshal, instructor or guide. If you are suitably qualified, and are not diving alone, cover is provided within the guidelines of the relevant diving or training agency or organisation, as below.
PADI Open Water - 18 metres
PADI Advanced Open Water - 30 metres
BSAC Ocean Diver - 20 metres
For policies purchased before 31st December 2024
Please note that all of the activities listed below are covered on a non-professional and non-competitive basis unless otherwise stated. All activities marked with an asterisk (*) indicate those which do not have Personal Liability cover and those marked with a (‡) indicate those which do not have Personal Accident cover.
Please refer to the policy wording for more details of the cover provided.
| Activity |
|---|
| Abseiling (within organiser's guidelines) |
| Aerial Safaris (in chartered aircraft and as part of an organised excursion) |
| Angling |
| Archaeological Digging |
| Archery *‡ |
| Assault Course |
| Athletics *‡ |
| Badminton |
| Bamboo Rafting |
| Banana Boating |
| Bar and Restaurant Work |
| Baseball *‡ |
| Basketball |
| Beach Games |
| Billiards |
| Blading (no stunts) |
| Board Sailing *‡ |
| Body Boarding |
| Boogie Boarding |
| Bowling / Bowls |
| Bungee Jumping *‡ |
| Cable Car Ride |
| Camel Riding / Trekking *‡ |
| Canoeing / Rafting / White Water Rafting / Kayaking (up to grade 3) |
| Canoeing / Rafting / White Water Rafting / Kayaking (grades 4 and 5) *‡ |
| Catamaran / Yachting / Sailing |
| Clay Pigeon Shooting / Small Bore Target Shooting / Rifle Range *‡ |
| Climbing (on climbing wall only) |
| Cricket |
| Croquet |
| Cross Country Running |
| Curling |
| Cycling *‡ (no cover for Mountain Biking, BMX and Cycle Touring) |
| Dancing (including lesson participation) |
| Darts |
| Dinghy Sailing *‡ |
| Dry Slope Skiing / Boarding |
| Dragon Boat Racing *‡ |
| Elephant Riding / Trekking *‡ |
| Falconry |
| Fell Running (up to 4,000 metres) |
| Fell Walking (up to 4,000 metres) |
| Fencing *‡ |
| Fishing |
| Fives |
| Flying as a passenger in an aircraft (private plane, helicopter or glider) |
| Football |
| Fruit or vegetable picking (under 3 metres) |
| Flag Football |
| Frisbee / Ultimate Frisbee |
| Glass Bottom Boats / Bubbles |
| Go Karting *‡ (up to 120cc and wearing a helmet) |
| Goalball |
| Golf |
| Gorilla Trekking (organised tours only) |
| Gym - Fitness |
| Gymnastics |
| Handball |
| Helicopter Rides (passenger only) |
| Hiking up to 4,000 metres (excludes hiking that requires specialised equipment, ropes, guides, crampons, or hiking in the Sahara, any Desert, Polar or other extreme climate) |
| Hobie Cat Sailing *‡ |
| Hockey (field) |
| Horse Riding *‡ (Less than 7 days and wearing a helmet and excluding racing, jumping and hunting) |
| Hot Air Ballooning (passenger only) |
| Hot Dogging up to grade 3 |
| Hot Springs |
| Hydro Zorbing |
| Ice Skating (rink only) |
| In-line Skating (no stunts) |
| Ice Surfing *‡ |
| Ice Cricket *‡ |
| Jet Boating *‡ (passenger only) |
| Jogging |
| Kayaking (incl. white water) up to grade 3 |
| Kayaking *‡ (incl. white water) grades 4 and 5 |
| Korfball |
| Llama Riding *‡ |
| Land Skiing |
| Lacrosse *‡ |
| Mopeds *‡ (maximum 125cc. You must have a full UK licence, or a valid CBT certificate (DL196), be insured under a motor policy, follow local safety laws and be riding on recognised roads) |
| Motorcycling *‡ (maximum 125cc. You must have a full UK licence, or a valid CBT certificate (DL196), be insured under a motor policy, follow local safety laws and be riding on recognised roads) |
| Mule Trekking *‡ |
| Netball |
| Octopush |
| Orienteering (up to 4,000 metres above sea level. Excludes orienteering that requires specialised equipment, ropes, guides, crampons, or activity in the Sahara, any Desert, Polar or other extreme climate) |
| Ostrich Riding *‡ |
| Paint Balling / War Games (wearing eye protection) *‡ |
| Parachuting *‡ (tandem only) |
| Parascending / Parasailing (towed by a boat over water) |
| Pedalos |
| Pilates |
| Pony Riding / Trekking *‡ (wearing a helmet) |
| Pool |
| Power Boating *‡ (passenger only) |
| Racquet Ball / Rackets *‡ |
| Rambling (up to 4,000 metres above sea level. Excludes rambling that requires specialised equipment, ropes, guides, crampons, or trekking in the Sahara, any Desert, Polar or other extreme climate) |
| Reverse Bungee *‡ |
| Rifle Range *‡ |
| Ringos |
| River Bugging (up to grade 3 only) *‡ |
| River Sledging (up to grade 3 only) *‡ |
| River Tubing (up to grade 3 only) *‡ |
| Roller Skating / Blading / In-line (incidental, wearing pads, helmet and no stunts) |
| Rounders |
| Rowing |
| Safari in a vehicle / Trekking / Tracking (organised tours and no firearms) |
| Sailing / Yachting *‡ (European inshore waters only) |
| Sandboarding *‡ |
| Sand Skiing *‡ |
| Sand Surfing *‡ |
| Sand Yachting *‡ |
| Scuba Diving (up to a depth of 30 metres if qualified or accompanied by a qualified instructor and not diving alone) |
| Sea Fishing |
| Sea Kayaking (within inshore European Waters only and no racing) |
| Shark Diving (professionally supervised in a cage) |
| Skin Diving (up to a depth of 30 metres if qualified or accompanied by a qualified instructor and not diving alone) |
| Skateboarding (wearing pads and helmet, no stunts) |
| Skydiving *‡ (Tandem Only) |
| Sledding / Sledging or Sleigh Riding (passenger only if pulled by Horse, Dogs or Reindeer) |
| Small Bore Target Shooting *‡ |
| Snooker |
| Snorkelling |
| Soccer |
| Softball |
| Speed Boating *‡ (passenger only) |
| Sphereing |
| Spinning Class |
| Squash *‡ |
| Surfing |
| Swimming |
| Swimming with Dolphins *‡ |
| Swimming / Bathing with Elephants *‡ |
| Sydney Harbour Bridge Walk (organised and walking across clipped onto a safety line) |
| Table Tennis |
| Tall Ship Crewing *‡ |
| Team Building |
| Ten Pin Bowling |
| Tennis |
| Touch Football |
| Trampolining |
| Tree Top Trekking / Canopy Walking |
| Trekking (below 4,000 metres only. Excludes trekking that requires specialised equipment, ropes, guides, crampons, or trekking in the Sahara, any Desert, Polar or other extreme climate) |
| Tubing |
| Tug of War |
| Volleyball |
| Wake Boarding |
| Walking (below 4,000 metres only. Excludes walking that requires specialised equipment, ropes, guides, crampons, or walking in the Sahara, any Desert, Polar or other extreme climate) |
| Water Hockey |
| Water Polo |
| Water Skiing (no jumping) |
| Wicker Basket Tobogganing |
| Whale Watching |
| Wheelchair Basketball |
| Windsurfing |
| Wind Tunnel Flying (wearing pads and helmet) |
| Yachting / Sailing *‡ (European inshore waters only) |
| Yoga |
| Zip-lining / Trekking |
| Zorbing / Hydro Zorbing |
Optional winter sports cover
Winter Sports are covered only upon payment of an additional premium and will cover you for up to 31 days on a single trip policy or for up to 17 days on a multi trip policy provided you are not participating in or training for a competition, taking part on a professional or semi-professional basis or taking part contrary to local advice or warnings.
Please refer to the Extensions Policy Wording for more details of the cover provided.
| Activity |
|---|
| Air Boarding |
| Big Foot Skiing |
| Cross Country Skiing on Recognised Paths |
| Dry Slope Skiing and Snowboarding |
| Glacier Walking and Skiing |
| Ice Cricket * |
| Ice Windsurfing * |
| Kick Sledging |
| Langlauf |
| Mono-Skiing |
| Nordic Skiing on Recognised Paths |
| Ski Randonnée |
| Ski Run Walking |
| Ski Skimming |
| Ski Touring |
| Skidooing *‡ |
| Skiing and Snowboarding On-Piste and Off-Piste within Resort Boundaries |
| Sledging |
| Snow Blading |
| Snow Shoeing |
| Snow Tubing |
| Snow Zorbing |
| Snowcat Skiing with a Professional Guide |
| Snowmobiling *‡ |
| Tobogganing |