Sports & Activities Travel Insurance

Covered2Go travel insurance includes a range of sports and activities. The policy groups activities into four levels according to the cover required.

Level 1 activities are included as standard. Sports & Activities Levels 2, 3 and 4 require an additional premium and the appropriate level must be shown on your policy schedule.

Some individual activities also have specific conditions or exclusions, so always check the Policy Wording before taking part.

The level you need depends on the activities you plan to take part in.

Level 1 includes many common leisure and holiday activities. Levels 2, 3 and 4 cover selected activities requiring progressively higher Sports & Activities cover.

If you select a higher level, the listed activities in the lower levels are also included. For example, Level 3 includes listed activities within Levels 1, 2 and 3.

Check every activity you plan to take part in and make sure the highest level you require is shown on your policy schedule.

Yes. Sports & Activities Level 1 is included as standard with Covered2Go travel insurance.

It includes a range of listed activities such as golf, football, tennis, snorkelling, surfing, stand-up paddleboarding, hiking up to 1,500 metres and scuba diving to 30 metres, subject to the conditions and exclusions that apply to each activity.

Select the Sports & Activities level you require when arranging your Covered2Go travel insurance and pay the applicable additional premium.

Make sure the correct level is shown on your policy schedule before taking part in the activity.

If you cannot find your planned activity in the Policy Wording, contact Covered2Go before taking part.

Covered2Go can cover eligible hiking, walking, trekking and similar activities, with the required Sports & Activities level depending on altitude.

Level 1 includes eligible hiking up to 1,500 metres, Level 2 up to 3,000 metres, Level 3 up to 4,500 metres on recognised routes, and Level 4 up to 6,000 metres on recognised routes.

The hiking cover does not apply where ropes, picks or other specialist climbing equipment are required. Mountaineering is excluded.

Yes, eligible scuba diving can be covered.

Scuba diving to 30 metres is listed at Sports & Activities Level 1. Scuba diving to 50 metres is listed at Level 3.

Conditions apply. Qualified divers must hold an eligible recognised diving qualification and follow the relevant organisation’s rules, or the dive must take place under the constant supervision of a properly licensed diving school.

Unaccompanied dives, dives in overhead environments and diving for gain or reward are not covered.

Eligible kayaking and canoeing in inland or coastal waters, including white water grades 1–3, are listed at Sports & Activities Level 1.

Conditions and exclusions may apply depending on how and where the activity takes place, so check the Policy Wording before taking part.

Yes, eligible white water rafting can be covered.

White water rafting grades 1–3 is listed at Sports & Activities Level 1, while grades 4–5 require Level 2.

Higher-grade rafting is subject to additional conditions and exclusions, so check the policy wording for the activity before taking part.

Eligible skiing and snowboarding can be covered when the appropriate Sports & Activities level has been selected and is shown on your policy schedule.

Standard eligible skiing and snowboarding is listed at Level 3. Certain higher-risk winter sports activities, including some forms of backcountry, helicopter, snowcat and terrain-park skiing or snowboarding, are listed at Level 4 and have specific conditions and exclusions.

When Sports & Activities Level 3 or 4 is selected, the policy’s Winter Sports extension applies, subject to its terms, limits and exclusions.

See our Winter Sports Travel Insurance page for more information.

Golf is listed as a Sports & Activities Level 1 activity.

If you want additional protection specifically for eligible golf equipment, replacement equipment hire and unused green fees, optional Golf Cover is also available.

See our Golf Travel Insurance page for more information.

Eligible running and jogging up to half-marathon distance are listed at Sports & Activities Level 1.

Running up to marathon distance is listed at Level 2. Eligible triathlons up to middle distance are also listed at Level 2, while triathlon, Ironman and up to long distance are listed at Level 3.

Activity-specific conditions and exclusions apply, so check the policy wording before taking part.

Where an activity is covered at the appropriate level and the relevant policy conditions are met, the Emergency Medical Expenses section of your travel insurance can apply.

Covered2Go emergency medical cover ranges from £5 million to £10 million depending on the policy cover level selected.

The Sports & Activities section also provides up to £50,000 towards necessary specialist local search and rescue following an accident while participating in an insured activity, subject to the policy conditions.

Do not assume specialist sports or activity equipment is covered by the standard Baggage and Personal Belongings section.

The policy excludes sports gear and activity equipment from that section, and sports or activity equipment while in use is also excluded except where specific policy cover applies.

Separate optional or specialist benefits may apply to certain activities. For example, Covered2Go offers optional Golf Travel Insurance benefits, while the Winter Sports extension provides eligible winter sports equipment benefits when the required cover is in place.

No. Taking part in an activity at a professional level is excluded under the Sports & Activities section.

The policy also excludes participating in international events as a national representative.

No. Mountaineering is excluded under the Sports & Activities section.

Eligible hiking, walking, trekking and scrambling may be covered at different Sports & Activities levels depending on altitude and the conditions of the activity, but the hiking cover does not apply where ropes, picks or other specialist climbing equipment are required.

If your planned sport or activity is not listed in the policy wording, you should contact Covered2Go before taking part.

An unlisted activity is not covered unless Covered2Go has accepted it and any required additional premium has been paid.

Yes. You must act reasonably and use recommended safety equipment and protective clothing when taking part in an insured sport or activity.

Some activities also require appropriate training, qualifications or participation with a professional, qualified and licensed guide, instructor or operator.

Check the individual conditions for your activity before taking part.

You may be able to obtain Covered2Go travel insurance with Sports & Activities cover if you have a pre-existing medical condition.

The policy contains medical screening requirements. Except for medical conditions specifically listed as not requiring declaration, relevant conditions for which you have received treatment, advice or medication within the previous 12 months must be declared and accepted for the appropriate cover to apply.

See our Travel Insurance for Pre-Existing Medical Conditions page for more information.

If your plans change after purchasing your policy and you need a different Sports & Activities level, contact Covered2Go before taking part in the activity.

Any required activity cover needs to be accepted, the applicable additional premium paid, and the appropriate level shown on your policy schedule for cover to apply.