Activities in the air | Travel Insurance Direct (TID)

• What's covered?
• Cover for your travel gear
• What's not covered
• Activities we don't cover (at least some anyway)...
• FAQs

Travel Insurance Direct provides cover for many sky-high activities, whether you’re flying from one destination to another; taking a sightseeing helicopter ride; or perhaps dialling up the adrenaline in a hot-air balloon, or have your sights set on sky-diving. There are many activities in between that you shouldn’t simply assume there is cover for.

Coverage available on the following plans:

What's covered

• Overseas medical expenses if something goes wrong and depending on the situation medical evacuation and repatriation (not available on the Domestic plan)
• Loss, theft or damage to your luggage and personal effects - for example, losing your sunnies out of a hot-air balloon
• Emergency travel arrangements and accommodation expenses (conditions apply, see PDS for details)
• Cancellation or holiday deferment costs
• Accidental death
• Coronavirus travel expenses (conditions apply)

Cover for your travel gear

Under all of our TID plans – Domestic, The Works, The Basics, and Annual – we provide cover for your gear under the luggage and personal effects benefit. It covers you for accidental loss, theft and accidental damage for your hiking boots, camping equipment, sleeping bag, and even electronic equipment, for example, your Go Pro etc. 

For items on the more expensive side, we’re talking those that are worth more than the sub limits in the PDS, you can avoid depreciation by choosing to specify these items and paying an additional premium when purchasing your specific policy.  

What's not covered

There’s a number of things our policies don’t cover. It’s important you know what they are before you set off on your adventure of a lifetime. Be sure you understand the policy exclusions, which include but are not limited to the following: 

• Risky or reckless behaviour – there’s a reason so many people are afraid of heights (because it can be dangerous) and whilst BASE jumping may look thrilling, it’s not something we can cover.
• Taking part in activities while intoxicated – it’s a no-brainer really, but worth reminding you of.
• Travelling somewhere against Do Not Travel warnings or government advisories – if there’s advice suggesting you don’t go to a particular area, there’s a reason for it, so don’t ignore it. Warnings can include entire countries, regions, or specific localities.
• Participating in any competitive record attempts involving aerial devices or aircraft.
• Racing or professional sports. For example, if you are receiving a wage, salary, or appearance fee for training for or participating in the activity, you won’t be covered.
• Taking part in a competitive record attempt involving aircraft.
• Medical expenses in Australia or your country of residence.
• Personal liability - damage you cause to someone's property or if you injure someone arising from your ownership, possession, or use (including as a passenger) of any aircraft. 

Activities we don't cover (at least some anyway)...

While we do cover plenty of activities, there are some we don’t provide cover for. These include:

• Hunting
• Playing polo
• Mountaineering using support ropes
• Paragliding
• Rock climbing
• Abseiling
• Participating in BASE jumping
• Running with the bulls
• Pot holing

FAQs for travellers eyeing off airborne activities

1. Am I covered for Coronavirus (Covid19) if it grounds my plans?

All international TID plans cover for overseas medical expenses including evacuation and repatriation. Depending on the plan you opt for, there may also be cover options for some Coronavirus events under the Coronavirus travel costs benefit.

2. What happens if pre-booked activities are cancelled due to unforeseen circumstances?

If severe medical, weather, natural disaster, riots, strikes or a civil insurrection throw a spanner in your travel plans and you are unable to make your sky-diving departure point / destination, TID may provide compensation for addition accommodation and travel expenses incurred. There are conditions, so please check out this page.

This is a brief summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement.