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Sports & Activities Travel Insurance

Wherever your next adventure takes you, make sure you're covered with our sports & activities cover!

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Do you have a medical condition?

If you have any medical conditions at all, such as asthma, high blood pressure, depression or diabetes you must declare them to make sure your cover is valid.

Medical conditions information

Will my policy cover sports & activities whilst on my holiday?

A to Z Insurance will cover a number of different sports and activities as standard within our policies on your holiday, however there will be some that require an additional premium to be paid. Below are a list of activities that are covered or excluded in our policies.

If you have any questions or cannot see your activity listed, please contact the A to Z Insurance customer helpline where our call centre will be happy to help.

Please check policy wording for more information.

The following activities are covered under our Essential, Standard and Premium policies:

  • Aerobics
  • Athletics (amateur)
  • Badminton
  • Banana Boating
  • Bar Work
  • Baseball
  • Basketball
  • Board Sailing (Windsurfing)
  • Body Boarding
  • Boogie Boarding
  • Bridge Walking e.g. Sydney Harbour Bridge
  • Canoeing/Kayaking - up to Grade 2 rivers only
  • Canopy Walking
  • Cricket
  • Curling
  • Cycling (not main purpose of trip - recreational only, no racing or competitions)
  • Fell Running/Walking
  • Fishing
  • Football/Soccer (non competitive)
  • Golf
  • Gymnastics (no competitions)
  • Hiking/Trekking/Walking under 2,500m
  • Ice Skating
  • Non-Manual Work. This includes work such as administrative and clerical duties, bar and restaurant work, fruit picking (not using machinery), musicians and singers.
  • Marathon Running
  • Mountain Biking (recreational including general cross country and off road cycling)
  • Paddle Boarding
  • Rambling
  • Restaurant Work
  • River Tubing (up to grade 2 rivers and not through caves)
  • Roller Skating/Blading (wearing pads and helmets)
  • Safari (professionally organised and without guns)
  • Sailing (inland waters or coastal waters within 12 miles of land)
  • SCUBA Diving (down to 30m accompanied by a qualified diver or instructor)
  • Sleigh Rides pulled by a horse or reindeer, as a passenger with a professional driver
  • Snorkelling
  • Softball
  • Squash
  • Surfing
  • Swimming
  • Swimming with dolphins
  • Tennis
  • Trampolining
  • Volleyball
  • Water Skiing (no jumping)
  • Water Polo
  • Windsurfing
  • Zip Lining/Wiring

The following activities are covered under our Essential, Standard and Premium policies. However, no cover is provided under the personal accident and personal liability:

  • Archery
  • Canoeing / Kayaking (up to grade 3 rivers only)
  • Fencing
  • Flotilla Sailing (with professional leader)
  • Go Karting
  • Hot Air Ballooning (organised pleasure rides only)
  • Indoor Climbing (sport climbing with belays)
  • Jet Boating (as a passenger only and no racing)
  • Motorcycling as a rider or passenger on a machine 125cc or under (You must wear a crash helmet and, as a rider, have held a motorcycle licence for at least 3 years and are conviction free)
  • Paint Balling (eye protection must be worn)
  • Parascending over water
  • Rowing (no racing)
  • Segway Riding (organised tours only and a safety helmet must be worn)
  • Zorbing

The following activities may be covered following payment of additional premium for the Sports and Activities cover.

  • Abseiling (within organiser’s guidelines)
  • Black Water Rafting
  • Land Skiing (not on snow)
  • Octopush
  • Rap Jumping/Running (within organiser’s guidelines)
  • Safari Trekking on foot (must be organised tour booked in the United Kingdom)
  • Sea Kayaking
  • White Water Rafting (up to grade 3 within organiser’s guidelines)

The following sports and activities are excluded in our policies:

  • Base Jumping
  • Big Game Hunting
  • BMX Stunt Riding
  • Bouldering
  • Boxing
  • Canyoning
  • Caving / Pot Holing
  • Coasteering
  • Cycle Racing
  • Flying except as a fare paying passenger in a licensed passenger carrying aircraft
  • Free / High Diving
  • Gliding
  • Hang Gliding
  • Judo / Karate / Martial Arts
  • Kite Surfing
  • Lacrosse
  • Manual Work
  • Micro Lighting
  • Motorcycling as a rider or passenger on a machine over 125cc
  • Mountaineering
  • Parachuting
  • Paragliding
  • Parascending over land
  • Polo
  • Professional / Semi Professional Sports
  • Quad Biking
  • Rock Climbing
  • Sailing outside territorial waters
  • Scuba Diving below 30m
  • Shark Cage Diving
  • Shark Diving
  • Tombstoning
  • Track Days using motorised vehicles
  • Water Ski Jumping
  • Weightlifting
  • White Water Rafting (grade 4 and above)
  • Wrestling

For all sports and activities, participation in competition is excluded unless agreed by us.

You can also check the full list of sports and activities that are covered and all the terms and conditions by visiting our policy information page, where you can find the full range of policy wordings for our Essential, Standard and Premium levels of cover.

Choose from three levels of cover

Below is a summary of some of the cover that is included as standard in A to Z policies. Terms, conditions, exclusions and sub-limits may apply. Please check our policy wording for full details. Other optional extras can be added as you go through the website, including Cruise, Winter Sports, Golf, Wedding, Enhanced Gadget, Excess Waiver and Rental Vehicle Excess Waiver Cover.

Included in this cover Essential Standard Premium
Emergency medical and repatriation expenses £10m £15m £20m
Excess £100 £75 £50
Cancellation £1,500 £3,000 £5,000
Curtailment (cutting your trip short) £1,500 £3,000 £5,000
Personal possessions (baggage) £1,000 £2,000 £3,000
Personal money £500 £750 £1,000
Gadget damage, theft, loss N/A £750 £1,000
Personal accident
Missed departure £300 £1,000 £1,250
Missed connection £250 £750 £1,000
Personal liability £2m £2m £2m
Legal costs and expenses £25,000 £25,000 £25,000
Passport and other documents £150 £200 £250
Event tickets £150 £200 £250

Why Choose A to Z Insurance?

Travel Insurance you can trust in your time of need.

Covid-19 Cover
Covid-19 cover
Great Value
Great Value
All Ages Considered
All ages considered<
Medical Conditions
Medical Conditions
24/7 Excellent Claims Service
Excellent Claim Service

Please check your policy wording for full details and any exclusions.​

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Guides and Tips

Helpful tips on city breaks, UK travel insurance, GHIC, holiday checklist, travelling when pregnant & what to cover when doing sports & activities.