Sports and Leisure Travel Insurance for Australian Travellers
Most amateur and recreational sport and leisure activities are automatically covered by Go Insurance Australian travel insurance — so you can hike, snorkel, cycle or play a round of golf overseas with cover already built in. Start a quote at goinsurance.com.au and check your activity against the list below.
Cover applies to participation on an amateur or recreational basis and is always subject to the PDS, including its limits, conditions and exclusions. There is no cover for any sport or leisure activity you take part in on a professional or paid basis.
Sport & Leisure Cover at a Glance
Built for the Way Australians Actually Travel
Very few overseas trips are spent sitting still. Whether it’s a coastal snorkel, a cycling tour, a round of golf or a long day’s trek, the activities you plan are often the whole point of the holiday — and they’re exactly where things can go wrong.
With Go Insurance, a wide range of amateur and recreational sport and leisure activities is automatically included, subject to the PDS. For higher-risk or equipment-heavy pursuits — snow sports, golf and water sports — optional extensions let you tailor your cover during the quote process, so you only pay for what your trip actually needs.
What’s Automatically Covered
Many sport and leisure activities are automatically covered under a Go Insurance policy, provided your participation is on an amateur or recreational basis.
What’s Not Covered
Like all travel insurance, sport and leisure cover has limits, conditions and exclusions. Key things to be aware of:
Sport & Leisure Activities Automatically Covered
The activities below are automatically covered under a Go Insurance Leisure Travel Insurance policy when you take part on an amateur or recreational basis, subject to the terms, conditions and exclusions in the PDS. Any condition shown in brackets (for example, a licensed commercial operator, supervision or a height limit) must be met for cover to apply. Read the PDS for full details.
Land & Adventure Activities
Ball, Court & Team Sports
Water Activities
Snow & Ice Activities
Automatically covered as listed. Snow sports such as skiing, snowboarding and snowmobiling require the Snow Sports extension added during your quote.
Air Activities
Riding & Touring Activities
Also Covered on Board a Cruise Ship
While you’re a passenger on a cruise ship, you’re also covered for the following activities when they’re organised by or provided to you by the cruise company, subject to the PDS:
Activities That Need Optional Cover
Some higher-risk or equipment-based activities aren’t part of the automatically covered list — they’re specialist extensions you add during the quote process. Each must be selected before you buy and shown on your Certificate of Insurance to be valid.
Snow Sports Cover
Planning to ski or snowboard? Snow Sports Cover extends your policy to eligible snow activities, equipment and lift passes — on and off the mountain.
Golf Cover
Travelling with your clubs? Golf Cover helps protect your golf equipment and prepaid green fees while you travel, so a swing at your trip isn’t a swing at your budget.
Water Sports Cover
For equipment-based water pursuits beyond the standard list, Water Sports Cover can be tailored to your trip — protecting selected gear and prepaid activity costs.
How to Make Sure Your Activity Is Covered
Checking your sport and leisure cover takes a couple of minutes during the quote process — here’s how.
Get a Quote
Start your quote at goinsurance.com.au and enter your travel details — destination, dates and traveller information.
Check Your Activity
Find your activity in the list above or in the PDS, and note any conditions — such as a licensed operator, supervision or height limit.
Add Optional Cover
If your activity needs an extension — snow sports, golf or water sports — select it during the quote. It can’t be added after purchase.
Confirm & Travel
Check your Certificate of Insurance shows the cover you need, keep your participation amateur or recreational, and travel with confidence.
Sport & Leisure Travel Insurance — Frequently Asked Questions
Everything Australian travellers commonly ask about sport and leisure cover with Go Insurance.
What sport and leisure activities does Go Insurance cover?
Go Insurance automatically covers a wide range of amateur and recreational sport and leisure activities — from hiking, cycling and snorkelling to golf, tennis and hot air ballooning. The full list of covered activities, with the conditions that apply to each, is shown above and set out in the PDS. Cover only applies to amateur or recreational participation.
Is scuba diving covered by Go Insurance travel insurance?
Yes, scuba diving is automatically covered when you dive on an amateur or recreational basis, subject to General Exclusion 31 in the PDS. That exclusion sets conditions such as diving within your certification and recommended depth limits, so read it before you travel.
Are snow sports included in sport and leisure cover?
No — skiing, snowboarding, snowmobiling and similar snow activities are not part of the standard sport and leisure list. You need to add the Snow Sports extension during the quote process, and it must show on your Certificate of Insurance to be valid.
Does Go Insurance cover professional or paid sport?
No. There is no cover for any sport or leisure activity — including training for it — in which you participate in a professional or paid capacity. Cover applies only to participation on an amateur or recreational basis, which includes school, club or college fixtures and competitions.
Do I need to add anything for activities like hiking, cycling or snorkelling?
No — activities like hiking, cycling and snorkelling are automatically covered, so there’s no add-on to buy. You do need to meet any condition listed for that activity, such as trekking on established routes within the stated height limits, or using a licensed commercial operator where the PDS requires one.
Are activities on a cruise ship covered?
Yes. While you’re a passenger on a cruise ship you’re also covered for listed onboard activities organised by the cruise company — water slide rides, the Flowrider surf simulator, laser tag, the rock climbing wall, indoor skydiving and ice karting — subject to the PDS. If you’re planning a cruise, our cruise travel insurance is built for life at sea.
What if my activity isn’t on the covered list?
If your activity isn’t listed, it may not be covered — so check before you travel rather than assume. Contact our team on 1300 819 888 or at sales@goinsurance.com.au and we’ll confirm whether it’s covered or needs an optional extension. Always check the current PDS as the definitive source.
How do I claim for a sport or leisure incident overseas?
You can start a claim through our claims support page, which explains what to do and what you’ll need. Keep any medical reports, receipts and incident details, and make sure the activity was covered — either automatically or through an extension shown on your Certificate of Insurance.