Covered Activities
Below are the activities included in your IEC Insurance policy, grouped by category:
Covered Activities
Your safety is our priority. Our IEC policies includes cover for a wide range of activities, but due care must always be taken. Wearing appropriate safety equipment and following activity guidelines is required. Activities performed in a professional capacity or involving high-risk racing are generally not covered.
General Adventure Activities
- Abseiling
- Archery
- Bungy Jumping
- Canyoning
- Caving (Please note rock-climbing not covered)
- Flying Fox / Zip Lining
- Glacier Walking
- Hot Air Ballooning
- Parasailing
- Snorkelling
- White Water Rafting
- Trekking (restrictions apply)
Note: Reasonable care must be taken during all activities.
Water Sports & Activities
- Body Boarding / Boogie Boarding
- Free Diving
- Jet Boating
- Jet Skiing
- Kayaking
- Kite Surfing
- Scuba Diving (certification may be required)
- Surfing
- Wakeboarding
- Water Skiing
- Windsurfing
Note: Some water activities may require proof of certification or adherence to safety guidelines.
Land Sports & Activities
- Cheerleading
- Cycling (non-racing, non-professional)
- Dancing
- Dog Sledding
- Fencing
- Football
- Horse Riding
- Ice Hockey
- Ice Skating
- Martial Arts
- Mountain Biking
- Quad Biking
- Rock Climbing (Indoor/Artificial Walls only)
- Segway Riding
- Shooting (not hunting)
- Tobogganing
Note: Professional participation in sports is not covered.
Motorised & Racing Activities
- Go Karting
- Off-Roading (4WD – rental exclusions may apply)
- Tuk-Tuk Riding
Note: Participation in motor racing or professional motorsports is not covered.
High-Risk Adventure Activities
- BASE Jumping
- Cross Country Skiing
- Free Climbing
- Freestyle BMX Riding
- Hang Gliding
- Heli Skiing
- Mountaineering
- Rodeo
- Skydiving
- Triathlons
Professional & Competitive Sports
- Any sport performed in a professional capacity
- Racing of any kind (except running/swimming races up to 10km)
- Martial Arts or Combat Sports (if competing)
Motorised Sports & Extreme Racing
- Moto Cross
- Motorcycling
- Snowmobiling
- Any motor racing event
IMPORTANT NOTES
Racing Exclusions: Only walking, running, and swimming races up to 10km are covered.
Sporting Equipment: Damage to sports equipment while in use is not covered.
Additional Cover: Some activities (e.g. snow activities) require an extra premium add-on.
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International This is a summary of the benefits provided only Single Trip Please read this PDS carefully to understand what this policy covers. Importantly, please note the conditions and exclusions. Limits and sub-limits apply. POLICY BENEFITS Limit per adult Summary of the benefits Overseas medical and
dental• Overseas medical
expenses* (including
emergency
repatriation/evacuation)$Unlimited Overseas hospital, medical, surgical, nursing and ambulance expenses if You suffer a Disabling Injury, Sickness or Disease. Major dental expenses only if You suffer an injury. • Emergency dental
expenses*$2,000 Emergency dental treatment overseas for the immediate relief of sudden and acute onset of pain to healthy, natural teeth following an infection or broken tooth. • Ongoing overseas
medical care*$1,000 For treatment by a qualified chiropractor, counsellor, psychologist, psychiatrist, psychotherapist or physiotherapist. Additional expenses* $Unlimited Additional accommodation and transportation expenses as a result of certain events including sickness, natural disasters, loss of travel documents and strikes. Amendment or
cancellation* costs$10,000 If the Journey has to be rearranged or cancelled due to an unforeseeable circumstance outside Your control, e.g. illness, accident, extreme weather conditions, exam resit or retrenchment. Luggage and travel documents* Luggage item limits, see page 8. For loss, theft or damage in transit (from or to Australia) or on Side Trips. • Luggage $8,000 • Travel documents $1,000 Delayed luggage allowance* $1,100 Cover for the cost of essential emergency purchases overseas if all Your luggage is delayed by a Transport Provider. Delays of over 24 hours – up to $375. Delays of over 72 hours – up to $750. Money* $100 Cash which is lost or stolen from your person Rental Car Insurance Excess* $4,000 Cover for the rental car insurance excess you become liable to pay as a result of damage to, or theft of, a Rental Car Travel Delay* $1,000 Additional accommodation expenses if your scheduled transport is delayed over 6 hours Hijacking* $2,000 $500 for each 24 hour period you are forcibly detained on a hijacked public transport vehicle Hospital Incidentals* $8,000 Covers the cost of miscellaneous expenses incurred up to a given limit per night if you are hospitalised overseas for at least 48 hours Loss of Income* $10,000 Benefit payable if, due to an injury sustained during your journey, you are unable to work on your return to Australia Personal Liability* $2,500,000 Cover for legal liability if Your negligent act during the Journey causes bodily injury or damage to property of other persons -
Medical Only This is a summary of the benefits provided only Single Trip Please read this PDS carefully to understand what this policy covers. Importantly, please note the conditions and exclusions. Limits and sub-limits apply. POLICY BENEFITS Limit per adult Summary of the benefits Overseas medical and
dental• Overseas medical
expenses* (including
emergency
repatriation/evacuation)$Unlimited Overseas hospital, medical, surgical, nursing and ambulance expenses if You suffer a Disabling Injury, Sickness or Disease. Major dental expenses only if You suffer an injury. Personal Liability* $2,500,000 Cover for legal liability if Your negligent act during the Journey causes bodily injury or damage to property of other persons • Emergency dental
expenses*$2,000 Emergency dental treatment overseas for the immediate relief of sudden and acute onset of pain to healthy, natural teeth following an infection or broken tooth. • Ongoing overseas
medical care*$1,000 For treatment by a qualified chiropractor, counsellor, psychologist, psychiatrist, psychotherapist or physiotherapist.
Your participation in any of the activities listed is subject to the terms of cover and in particular General Exclusions 22-25 on pages 58-59 and SECTION 12: Personal Liability exclusions 3 and 4 on page 51.
Eligibility criteria and conditions apply. Limits, sub-limits, conditions and exclusions apply. *Medical cover will not exceed 12 months from the onset of the illness or injury. Limits, sub-limits, conditions and exclusions apply. An excess may apply.
Eligibility criteria and conditions apply. Limits, sub-limits, conditions and exclusions apply. *Medical cover will not exceed 12 months from the onset of the illness or injury. Limits, sub-limits, conditions and exclusions apply. An excess may apply.
Refer to the Policy for full details.
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IEC travel insurance is provided by Cover-More.
Download the Product Disclosure Statement (PDS) for full details on coverage, benefits, and terms.