Sports & Activities Optional Coverage

When you buy the Sports & Activities Optional Coverage, you can add all the sports and activities that you would like to be covered for while you're away if you plan to participate, train or practice for any of them during your trip. See below for details on the sports & activities and the exclusion that may apply.

If a sport or activity is not listed as an option in the Sports & Activities Coverage and is not listed as an exclusion, coverage is already available under the Emergency Medical Insurance plan without the purchase of this optional coverage.

If you are coaching or teaching any of the sports or activities but are not actually participating in them, you do not need to purchase the Sports & Activities Coverage for coverage to apply.

BACK-COUNTRY SKIING & SNOWBOARDING 🏂

Backcountry means an area that is not marked, not patrolled and/or not cleared for avalanche dangers, but where public access is permitted. Backcountry is also known as slack-country, side-country and/or off-piste and does not include heli-skiing or cat skiing. Out of Bounds or “Excluded Activities” include your participating, training or practicing in any areas that have been closed off to public access and/or can typically only be accessed by crossing a fenced, gated or roped-off area that has been marked as off-limits according to recommendations of safety authorities in the area for the following activities. See Sports Exclusions for further details.

DOWNHILL FREESTYLE SKIING OR SNOWBOARDING IN ORGANIZED COMPETITIONS ⛷

Downhill freestyle skiing/snowboarding in organized competitions means any skiing/snowboarding competition with the following activities: aerial skiing/snowboarding, kite-skiing, mogul or cross competitions, half-pipes and/or slopestyle activities, rails, jumps and other terrain park features. Any skiing or snowboarding competition with the following activities: aerial skiing/snowboarding, kite-skiing, mogul or cross competitions, half-pipes and/or slopestyle activities, rails, jumps and other terrain park features.

DOWNHILL MOUNTAIN BIKING 🚴‍♂️

Downhill mountain biking means biking down mountain trails or rough mountain terrain (whether as part of a race or not) and often features jumps, drops, rock gardens or other obstacles. It often requires the use of mechanical lifts or elevators.

MOUNTAINEERING ⛰

Mountaineering means the act of climbing or descending a mountain using specialized equipment including but not limited to pickaxes, ice axes, anchors, bolts, crampons, carabineers and leads or top rope anchoring equipment. Mountaineering does not include ice climbing.

ROCK CLIMBING 🧗‍♂️

Rock climbing means the sport of climbing rock faces, especially with the aid of ropes and special equipment. Rock climbing includes the following activities: bouldering, traditional climbing, free soloing, top-rope, sports climbing, canyoning/canyoneering, but does not include indoor wall rock climbing.

ICE CLIMBING ⛏

Ice climbing means the act of climbing or rappelling from vertical or nearly vertical ice formations such as ice-falls, frozen waterfalls or cliffs or rock slabs that are covered with ice from flows of water freezing over. Ice climbing requires the use of specialized equipment including but not limited to ice axes, crampons or ice screws. Glacier hiking is not ice climbing. If the glacier hike is on a mountain, it is considered mountaineering.

HIGH-RISK SNOWMOBILING 🗻

High-risk snowmobiling means racing competitions, endurance events, high-marking and/or snowmobiling in unguided backcountry terrain.

MOTORIZED SPEED CONTEST 🏎

A motorized speed contest means any motorized vehicle race or timed event by land, air or water.

PARACHUTING / SKYDIVING / TANDEM SKYDIVING / BASE JUMPING / HANG GLIDING / PARAGLIDING 🪂

If it’s adrenaline you seek, we’ve got you covered!

WHITE WATER SPORTS - CLASS VI 🌊

White water sports – Class VI means rafting on extreme rapids or waterfalls deemed unnavigable according to safety authorities. Class VI white water sports includes rafting on rapids with substantial levels of white water, large waves, hazardous rocks and/or drops with the potential to damage most rafting equipment.

ICE HOCKEY 🏒

You can add ice hockey to the Sports & Activities Coverage if you are 21 years or over and plan to participate, train or practice on behalf of a registered team, league, association or club; or while competing in a registered tournament, competition or sporting event. If you are under 21 years, coverage is already available under the Emergency Medical Insurance plan without the purchase of this optional coverage.

RUGBY 🏉

You can add rugby to the Sports & Activities Coverage if you are 21 years or over and plan to participate, train or practice on behalf of a registered team, league, association or club; or while competing in a registered tournament, competition or sporting event. If you are under 21 years, coverage is already available under the Emergency Medical Insurance plan without the purchase of this optional coverage. If you are just casually playing rugby for fun, you don't need to purchase additional coverage.

FOOTBALL (AMERICAN OR CANADIAN) 🏈

You can add football to the Sports & Activities Coverage if you are 21 years or over and plan to participate, train or practice on behalf of a registered team, league, association or club; or while competing in a registered tournament, competition or sporting event. If you are just casually playing football for fun, you don't need to purchase additional coverage. If you are under 21 years, coverage is already available under the Emergency Medical Insurance plan without the purchase of this optional coverage.

MIXED MARTIAL ARTS 🥋

Mixed martial arts means a combat sport in which participants use fighting and grappling techniques from any combination of wrestling, boxing and martial arts. Mixed martial arts include ultimate fighting.

BOXING 🥊

Unless of course, you’re challenging Mike Tyson! Probably safer to stay home.

SCUBA DIVING OR FREEDIVING OVER 40 METERS 🤿

That about covers everything!

Sports & Activities Covered Up to the Policy Limit

If you do plan to participate, train or practice for any of the sports or activities listed above and you want to be covered for them, simply add all the ones that you need. The sports or activities must be listed on your policy declaration for coverage to apply. You only need to pay for the sport or activity with the highest premium charge.

If you add any of the sports or activities listed above, they will be covered up to the policy limit of the Emergency Medical Insurance plan.