Activities and Sports Travel Insurance

Regular travel insurance covers many a holiday mishap. Things like trip cancellations, lost luggage and medical emergencies. But at JustCover, our regular travel insurance also includes cover for over 100 low-risk sports and activities at no extra cost. These include things like cycling, swimming and hiking. But it also includes more adventurous activities, like bungee jumping and zip-lining. 

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Sports travel insurance will protect you when your plans are a little more high-risk. If you're doing a more extreme sport like skiing or snowboarding, you'll need to pay for extra cover.

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Not sure if your sport is covered, or if any restrictions apply? Check your Policy Wording, or give us a call. We’re happy to help.

The price of sports and activity travel insurance varies. That’s because it’s based on:

• Your age: Generally, the older you are, the more you’ll pay.
• Your health: Pre-existing medical conditions can increase the likelihood of needing emergency treatment abroad.
• Trip duration: Longer trips mean a greater chance of making a claim.
• Your destination: Places like the USA have more expensive healthcare if the worst happens.
• Your chosen activity: We cover over 100 activities as standard. But high-risk sports like skydiving or rock climbing may require our extreme activities travel insurance add-on.

Since these factors vary from person to person, there’s no fixed price. It’s why we offer tailored quotes, so you get the right cover at the right price.

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We can’t cover you for professional sports. And if you’re taking part in an organised league or competition, we won’t cover any of the standard activities either.

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But many competitive sports are included as standard in our travel insurance policies.

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Like to go it alone? We’ll cover individual sports, from tennis to triathlons. Prefer to compete with friends? Team sports such as football (soccer), basketball, hockey and volleyball also come under our standard policy.

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For higher-impact competitive sports like rugby or American football, you’ll need to add our extreme sports add-on. And if you’re cross-country skiing, you’ll need our winter sports add-on.

Left things to the last minute? Unfortunately, we can’t cover you if you’ve already departed. Our policies are only valid if your trip begins and ends in the Republic of Ireland. 

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But if you’re planning a future adventure, we’re here to help. Feel free to get in touch before you set off.

Adventure has no age limit. And neither do we! Our policies cover all ages and all destinations. We can cover all medical conditions, as long as you’re fit to travel.

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Even if you’re over 80, we can offer you cover for most sports and activities. The only exception? Winter sports insurance. It’s only available for skiers up to 65 years of age at the time of issue.

Lost your racket or broken your bike? It won't spoil your holiday with JustCover. If your equipment is lost, stolen or damaged while you're travelling, our sports travel insurance can help replace it. Most personal items are covered as standard. But if you're bringing high-value gear, adding our gadget and valuables extension makes sure you're fully protected.

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Planning a golfing getaway? Your clubs, bag, balls, trolley, shoes and hired kit deserve the same level of care. Standard travel insurance only covers belongings up to a set value. However, our golf travel insurance provides extra protection against loss, theft or damage. You can tee off, stress-free.

Our standard policies include personal liability cover for many sports and activities. Personal liability insurance can help protect you from unexpected costs. That’s if an accident happens while you're taking part in a covered activity. 

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Some activities, like badminton, hiking, golf or marathon running, are automatically covered for personal liability. Certain higher-risk activities, like archery, bungee jumping or jet skiing, are excluded from personal liability cover. 

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Feeling particularly adventurous? Our hazardous activity add-on doesn’t cover personal accident or personal liability while you’re taking part in your high-risk activity.

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We recommend checking your Policy Wording to see if your chosen sport is included. If you're still unsure, just give us a call. We want to make sure you’re fully protected before you set off on your adventure!

Holiday activities are better when they’re shared. So if you're heading off with friends, our group travel insurance is perfect. It covers up to 10 adults travelling together.

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Over 100 sports and activities are included as standard with our group travel insurance. No one has to miss out on the fun!

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But what if one of the crew wants to do something more adventurous? It’s best to take out your own policy. That way, it won’t affect the price of the rest of the group’s insurance.

Yes, you do. If you're planning a snow-filled adventure, you’ll need our winter sports extension. You can focus on skiing, we’ll make sure you’re fully covered.

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We classify the following as winter sports:

• Cross-country skiing (on recognised paths)
• Dry skiing
• Inner tubing (in snow)
• Mono skiing (on Snow)
• Off-piste skiing (Hazardous activities cover also required)
• Skiing
• Sledging
• Sleigh rides
• Snowboarding
• Snowmobile
• Snowshoeing
• Tobogganing

A pre-existing condition shouldn’t stop you from enjoying sports and activities while on holiday. At JustCover, we believe adventure is for everyone. That’s why our travel health insurance covers a wide range of medical conditions. 

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When you get your quote, we’ll ask a few simple questions about your condition. This helps us get you the best possible cover for both your health and chosen activities. Some of the things we might ask include:

• Have you received treatment for your condition recently?
• Are you taking any medication related to your condition?
• Has your doctor advised against certain activities?

Once we have the details, we’ll tailor your sports travel insurance to suit your needs. 

Not with JustCover. Whatever your plans, we’ve got you covered, so you can focus on the fun! Our standard travel insurance covers 100 different sports as part of the package. Whether you're hiking, canoeing or cycling, you're already protected. 

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Have a look at our Policy Wording booklet to make sure your chosen sports are covered. Keep a lookout for any specific exclusions. For example, we’ll only cover a maximum of three bungee jumps. That’s provided you are: 

• Accompanied by a qualified instructor or guide.
• Taking part in an organised event, session or excursion.
• Using approved facilities.

If one of your chosen activities is classed as a winter or extreme sport, you'll need extra cover. And if you're playing a round, our golf insurance keeps your clubs and gear protected.

Sorry, our standard travel insurance only covers personal equipment. But we do have extras to protect your hired gear.

• Golf travel insurance covers hired clubs and equipment if they’re lost, stolen or damaged during your trip. 
• Winter sports insurance covers hired skis and boots. 

When you’re buying your travel insurance, you’ll need to tell us all the countries you plan to visit. This includes any brief layovers. You only need to tell us about the destinations where you leave the airport and enter the country.

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Planning to squeeze in some adventure? With JustCover, your standard policy covers over 100 sports and activities. But certain hazardous or extreme activities may require a policy add-on for full protection.

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If your stopover includes winter sports, skydiving or other high-risk activities, make sure you add the hazardous activity or winter sports extension. Not sure if your plans are included? Give us a call.