The excess can be deleted for a small additional premium. Excess is per insured per incident.
Sporting/ work activities covered
Since young travelers have an independent streak they often engage in hazardous sporting activities on their trips. They also may do some light work to raise money. Below are details of activities this insurance policy will and wont cover.
Abseiling (within organiserís guidelines), Angling , Archery, Athletics, Badminton, Ballooning Ė hot air (organised pleasure rides only), Banana boating, Baseball, Basket ball, Boardsailing, Bowling, Bungee jumping (within organiserís guidelines), Canoeing (up to grade 2 rivers only), Climbing (on a climbing wall only), Cricket, Curling, Cycling, Deep sea fishing, Fell walking, Fishing, Glacier walking, Gliding (no cover for crewing or piloting), Golf, Gymnastics, Handball, Heptathlon, Hiking / trekking / walking (below 4,000 metres), Hill walking up to 2,000 metres, Horse riding (excl. Competitions / racing / jumping / hunting), Hot air ballooning (organised pleasure rides only), Ice skating, Indoor climbing (on climbing wall), Kayaking (up to grade 2 rivers only), Kite surfing, Marathon running, Motor cycling (up to 125cc), Mountain biking, Netball, Non-Competitive Football / Soccer, Organised safari without guns, Orienteering, Overland trips, Parascending - over water, Pony trekking, Racket ball, Rackets, Rambling, Rap jumping (within organiserís guidelines), Ringos, Roller skating / blading (wearing pads & helmets), Rounders, Rowing (except racing), Running, Safari trekking in a vehicle (must be organised tour), Safari trekking on foot (must be organised tour), Sail boarding, Scuba diving to 30 metres (within organiserís guidelines), Sea kayaking, Skateboarding (wearing pads and helmets), Sledging - pulled by horse or reindeer as a passenger, Snorkelling , Softball, Squash , Surfing, Table tennis, Ten pin bowling, Tennis, Trekking / walking / hiking (below 4,000 metres), Tubing, Tug of war, Volley ball, Wake-boarding, Walking / hiking / trekking (below 4,000 metres), Water polo, Water-skiing, White water
rafting (within organiserís guidelines), Wind-surfing, Zorbing
Manual Work: Work involving hands-on involvement with the installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant, (other than in a purely managerial/supervisory, sales or administrative capacity), or the undertaking of any trade of plumber, electrician, lighting or sound technician, carpenter, painter/decorator or builder, or manual labour of any kind (other than in the catering industry).
Cover for Manual Work will be provided where such work is solely in a voluntary capacity, for a charity registered under the Charity Commission in England and Wales, the Scottish Charity regulator or the Department for Social Development in Northern Ireland and where there is no financial gain. In such circumstances, there will be no cover for hands-on involvement with the installation, assembly, maintenance, repair or use of heavy electrical, mechanical or hydraulic plant or machinery, or for working more than 3 metres above the ground, and cover for Personal Accident and Personal Liability is excluded. In the event of an injury occurring as a result of voluntary labour, the Policy Excess under section 2 (Medical Emergency & Repatriation) will be increased to £250 and application of Excess Waiver will not delete this increased excess.
Cover excludes interaction with wild animals of any kind.
Additional Comments about this specific travel insurance policy
This insurance has a go/ no go attitude to medical conditions. Read the policy but if you have certain medical conditions you wont be covered for any pre-existing conditions. If you don't have the conditions then you will be covered for all pre-existing conditions.
Comments on backpacker travel insurance generally.
Always check on the activities that are covered (shown above) if you intend doing them. (We can arrange cover for high risk activities for anyone even if they have already left the country). If you have any medical conditions check that they are covered using the screening number we will supply at the quotation stage.
Links to other backpacker travel insurance policies