There are certain things in travel that sound optional until they very much aren’t. Travel insurance cover variations fall neatly into this category.
Snow sports, adventure activities and motorbike riding are not fringe cases; they are some of the most common reasons a perfectly good claim becomes a disappointing conversation. And those conversations, more often than not, begin with: “I didn’t realise I needed extra cover.”
Let’s talk about them properly.
Snow Sports or Snow Sports Plus
If you are going anywhere near snow with intentions of snowboarding, snowmobiling or skiing, snow sports cover is required. Not sometimes. Not “just for the big days”. Always.
This applies whether you’re:
- Skiing, snowmobiling or snowboarding for a week
- Having a single afternoon lesson
- Hiring equipment or bringing your own
To learn more, please read the Comprehensive Care PDS or speak to your travel agent.
Adventure Activities or Adventure Plus
Adventure cover is where assumptions flourish. It is easy to cheerfully assume canyon swings, high-altitude trekking or scuba diving are “nothing too extreme”, while we quietly disagree.
If you’re booking organised adventure activities, this cover ensures you’re protected if something goes wrong during those experiences.
To learn more, please read the Comprehensive Care PDS or speak to your travel agent.
Motorcycle/Moped riding or Motorcycle/Moped riding Plus
Mopeds have a way of appearing harmless, particularly in warm climates. Many travellers do not know that they need to add cover to their policy even if they are a passenger on a motorbike or moped, especially as many local taxi services use mopeds. Even experienced riders can face challenges, as traffic rules and road conditions can vary greatly from country to country.
To be covered you must:
- Be on a bike with an engine capacity that suits the level of cover you have purchased
- Hold a valid Australian motorcycle or Australian motor vehicle driver’s licence if you are the driver (Motorcycle/Moped riding on bikes up to 250cc)
- Or, hold a valid Australian motorcycle licence (Motorcycle/Moped riding Plus for bikes above 250cc) if you are the driver
- Be wearing a helmet
To learn more, please read the Comprehensive Care PDS or speak to your travel agent.
“But I’m only doing it once”
Unfortunately, it only takes one moment for something unexpected to happen. Travel insurance does not measure frequency, only what occurred in that moment.
Cover isn’t based on how often you do an activity, only that it happens at all.
Something to remember
Cover variations are quiet safeguards. And in travel, as in life, it is far better to be prepared than surprised.
Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) on behalf of the product issuer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Any advice is general advice only. Please consider your financial situation, needs and objectives and read the Combined FSG/PDS before deciding to buy this insurance. For information on the Target Market and Target Market Determinations visit Cover-More TMD.
