There are 7 levels of Activity Pack cover to choose from: The Standard Pack which is included in all policies, the Activity Pack, the Extreme Activity Pack, the Extreme Activity Pack Plus, the Nepal Trekking Activity Pack and the Winter Sports and Winter Sports Plus - just decide which one is the right one for you. You will have the option to add any of the these packs during the quotation process.
Subject to the General exclusions and the relevant exclusions under each section of this policy, which continue to apply; the following recreational, non-professional (amateur), non-competitive activities detailed under ‘Standard pack’ are automatically covered at standard premiums.
‘Activity pack’, ‘Extreme activity pack’, ‘Extreme plus activity pack’, Nepal extreme activity pack’, ‘Winter sports extension’ and ‘Winter sports plus extension’ are only covered where the appropriate applicable additional premium has been paid and is detailed on your booking invoice or validation certificate (as applicable). If, for example, the ‘Extreme activity pack’ has been selected, you are also covered for ‘Activity pack’ activities.
To establish if cover can be provided for any professional or competitive activity, please contact Big Cat Travel Insurance for a quotation, as an additional premium may be payable phone UK +44 (0)333 003 3161.
| Activity | |||||||
|---|---|---|---|---|---|---|---|
| Abseilling | |||||||
| Aerial safari (passenger in light aircraft, helicopter or hot air balloon only) | |||||||
| Aerobics | |||||||
| American football | |||||||
| Archery | |||||||
| Athletics | |||||||
| Backpacking | |||||||
| Banana Boating | |||||||
| Baseball | |||||||
| Basketball | |||||||
| Battle-Re-enactment | |||||||
| Biathlon | |||||||
| Black Water Rafting (Any Grade) | |||||||
| Boogie Boarding | |||||||
| Bouldering | |||||||
| Bowls | |||||||
| Breathing Observation | |||||||
| Bridge Walking | |||||||
| Bubble Diving | |||||||
| Bungee Jumping (2 jumps) | |||||||
| Canoeing/kayaking (inland/coastal - grades 1-3) | |||||||
| Canoeing/kayaking (inland/coastal - grades 3-5) | |||||||
| Canyoning | |||||||
| Camel Trekking | |||||||
| Cat Skiing | |||||||
| Caving (as part of a group on known routes only) | |||||||
| Cheerleading (no stunts) | |||||||
| Cricket | |||||||
| Cross-Country Skiing | |||||||
| Curling | |||||||
| Cycle Touring (cycles only covered if extra premium paid to include cover under Section L - Valuables) | |||||||
| Cycling - BMX | |||||||
| Cycling - incidental or Cycling on an organized tour (cycles only covered if extra premium paid to include cover under Section L - Valuables) | |||||||
| Dog Sledging | |||||||
| Drag Hunting | |||||||
| Dune Bashing | |||||||
| Endurance obstacle courses (such as Tough Mudder) | |||||||
| Falconry | |||||||
| Fell Running | |||||||
| Fell Walking (on recognized routes) | |||||||
| Fencing | |||||||
| Field Hockey | |||||||
| Fishing (Course/Fly/Deep-sea) | |||||||
| Flying (as a pilot of non-commercial aircraft, if appropriate licence held or flying with a qualified instructor. No personal liability or personal accident cover) | |||||||
| Football (Soccer) | |||||||
| Gliding | |||||||
| Go Karting | |||||||
| Golf | |||||||
| Gorge Running | |||||||
| Gorge Swinging | |||||||
| Gorge Walking | |||||||
| Guided Glacier Walking | |||||||
| Gymnastics | |||||||
| Hang Gliding | |||||||
| Heli skiing | |||||||
| Hiking outside of Nepal up to 2,500 metres* | |||||||
| Hiking outside of Nepal up to 4,600 metres* | |||||||
| Hiking outside of Nepal over 4,600 metres* (No upper altitude limit) | |||||||
| Hiking within Nepal up to 7,000 metres* | |||||||
| Horse Riding or riding other animals | |||||||
| Hot Air Ballooning (as passenger only) | |||||||
| Hurling | |||||||
| Hydro Speeding | |||||||
| Ice hockey | |||||||
| Ice Skating | |||||||
| Jet Boating | |||||||
| Jet Skiing | |||||||
| Jogging | |||||||
| Kayaking (inland/coastal - grades 1-3) | |||||||
| Kayaking | |||||||
| Kite skiing | |||||||
| Kite surfing/boarding | |||||||
| Marathons | |||||||
| Martial Arts (non-contact) | |||||||
| Martial Arts (training only) | |||||||
| Motorcycling over 125cc with the appropriate full driving licence on a public highway (both tarmac and dirt road) | |||||||
| Motorcycling (up to 125cc hired or borrowed) | |||||||
| Motorcycling as a passenger only (pillion). This includes Motorcycle tours such as the Ha Giang Loop in Vietnam | |||||||
| Mountain Biking (cycles only covered if extra premium paid to include cover under Section L - Valuables) | |||||||
| Mountain Boarding | |||||||
| Mountaineering up to 6,000 metres (organised groups, using ropes and with guides only) | |||||||
| Multi-pitch rock climbing (outdoor - no free climbing or solo climbing) | |||||||
| Netball | |||||||
| Non Manual/Clerical Work | |||||||
| Off Piste Skiing | |||||||
| Off Piste Snowboarding | |||||||
| Open water swimming (organised only, maximum distance 10 kilometres) | |||||||
| Orienteering | |||||||
| Outward Bound Pursuits | |||||||
| Overland Travel | |||||||
| Paint Balling | |||||||
| Paragliding | |||||||
| Parapenting | |||||||
| Parasailing (over land) | |||||||
| Parascending | |||||||
| Polo | |||||||
| Paraskiing | |||||||
| Permitted Manual Work (As defined below) | |||||||
| Quad biking (over 125cc) | |||||||
| Quad biking (under 125cc) | |||||||
| Racquet Sports | |||||||
| Rambling up to 2,500 metres | |||||||
| Rap Jumping | |||||||
| Rock Climbing (Single pitch only - excludes solo climbing/climbing without ropes) | |||||||
| Roller Blading | |||||||
| Rounders | |||||||
| Rowing | |||||||
| Rugby (training & friendly games only - no tournaments) | |||||||
| Running | |||||||
| Safari Travel (in a vehicle or on foot) | |||||||
| Safari/Gorilla trekking | |||||||
| Sailing (coastal waters only) | |||||||
| Sailing (outside coastal waters) | |||||||
| Sand boarding | |||||||
| Sand Yachting | |||||||
| Scuba Diving (up to 18 metres in depth)** | |||||||
| Scuba Diving (up to 40 metres in depth)** | |||||||
| Shark Cage Diving | |||||||
| Shooting | |||||||
| Ski instructor course | |||||||
| Snorkelling | |||||||
| Snowboarding | |||||||
| Snowmobiling | |||||||
| Snow Skiing | |||||||
| Softball | |||||||
| Solo skydiving (no personal liability or personal accident cover) | |||||||
| Speed Boating | |||||||
| Surfing | |||||||
| Swimming (including swimming with with dolphins, whales and whale sharks) | |||||||
| Table Tennis | |||||||
| Tandem Sky Diving (2 jumps) | |||||||
| Tennis | |||||||
| Pipe and park freestyle skiing/boarding (but excluding competitions) in freestyle ski park areas (jumps permitted under 9m) | |||||||
| Trampolining | |||||||
| Trekking outside of Nepal up to 2,500 metres* | |||||||
| Trekking outside of Nepal up to 4,600 metres* | |||||||
| Trekking outside of Nepal over 4,600 metres* (No upper altitude limit) | |||||||
| Trekking within Nepal up to 7,000 metres* | |||||||
| Triathlon | |||||||
| Tubing | |||||||
| Tug of War | |||||||
| Ultimate frisbee | |||||||
| Via Ferrata | |||||||
| Volleyball | |||||||
| Volunteering/Working (as defined below) | |||||||
| Wadi Bashing | |||||||
| Wake Boarding | |||||||
| Wall Climbing (Man-made Climbing Walls) | |||||||
| Water Polo | |||||||
| Water Skiing | |||||||
| White Water Rafting (any grade) | |||||||
| Wind Tunnel Flying | |||||||
| Windsurfing (Boards not covered) | |||||||
| Zip Lining | |||||||
| Zorbing |
| Activity |
|---|
| Aerobics |
| Archery |
| Athletics |
| Backpacking |
| Banana Boating |
| Baseball |
| Basketball |
| Battle-Re-enactment |
| Boogie Boarding |
| Bowls |
| Bridge Walking |
| Canoeing/kayaking (inland/coastal - grades 1-3) |
| Cheerleading (no stunts) |
| Cricket |
| Curling |
| Cycling - if incidental or on an organised tour (cycles only covered if extra premium paid to include cover under Section L - Valuables) |
| Dog sledging |
| Drag Hunting |
| Dune Bashing |
| Falconry |
| Fell Walking (on recognized routes) |
| Fishing (Course/Fly/Deep-sea) |
| Football (Soccer) |
| Go Karting |
| Golf |
| Gorge Walking |
| Gymnastics |
| Hiking outside of Nepal up to 2,500 metres * |
| Hot Air Ballooning (as passenger only) |
| Hurling |
| Ice Skating |
| Jogging |
| Kayaking (inland/coastal – grades 1-3) |
| Martial Arts (non-contact) |
| Motorcycling up to 125cc |
| Motorcycling as a passenger only (pillion) |
| Netball |
| Non Manual/Clerical Work (including bar work) |
| Orienteering |
| Outward Bound Pursuits |
| Overland Travel |
| Quad biking (under 125cc) |
| Racquet Sports |
| Rambling up to 2,500 metres |
| Roller Blading |
| Rounders |
| Rowing |
| Running |
| Safari Travel (in a vehicle or on foot) |
| Safari/Gorilla trekking |
| Sailing (coastal waters only) |
| Scuba Diving (up to 18 metres in depth)** |
| Snorkelling |
| Softball |
| Speed Boating |
| Surfing |
| Swimming |
| Table Tennis |
| Tennis |
| Trampolining |
| Trekking outside of Nepal up to 2,500 metres * |
| Tug of War |
| Ultimate frisbee |
| Volleyball |
| Wadi Bashing |
| Wake Boarding |
| Wall Climbing (Man-made Climbing Walls) |
| Water Polo |
| Water Skiing |
| Wind surfing |
| Activity - includes all activities in the Standard Pack as well as ... |
|---|
| Abseilling |
| Aerial safari (passenger in light aircraft, helicopter or hot air balloon only) |
| Biathlon |
| Black Water Rafting (Any Grade) |
| Bouldering |
| Breathing Observation |
| Bubble Diving |
| Bungee Jumping (2 jumps) |
| Camel trekking |
| Canoeing/kayaking (inland/coastal - grades 3-5) |
| Cycle touring (cycles only covered if extra premium paid to include cover under Section L - Valuables) |
| Endurance obstacle courses (such as Tough Mudder) |
| Fell Running |
| Fencing |
| Field Hockey |
| Gorge Running |
| Gorge Swinging |
| Guided Glacier Walking |
| Hiking outside of Nepal up to 4,600 metres* |
| Horse Riding or riding other animals |
| Hydro Speeding |
| Jet Boating |
| Jet Skiing |
| Kayaking (inland/coastal - grades 3-5) |
| Kite surfing/boarding |
| Marathons |
| Martial Arts (training only) |
| Motorcycling over 125cc (on road only) |
| Mountain biking (cycles only covered if extra premium paid to include cover under Section L - Valuables) |
| Mountain Boarding |
| Paint Balling |
| Parasailing |
| Permitted Manual Work (As defined below) |
| Parasailing (over land) |
| Rap Jumping |
| Rock Climbing (Single pitch only - excludes solo climbing/climbing without ropes) |
| Rugby (training & friendly games only - no tournaments) |
| Sailing (outside coastal waters) |
| Sand Yachting |
| Scuba Diving (up to 40 metres in depth)** |
| Shark Cage Diving |
| Shooting |
| Tandem Sky Diving (2 jumps) |
| Trekking outside of Nepal up to 4,600 metres* |
| Triathlon |
| Tubing |
| Via Ferrata |
| Volunteering/Working (as defined below) |
| White Water Rafting (any grade) |
| Wind tunnel flying |
| Zip Lining |
| Zorbing |
| Activity - includes all activities in the Activity Pack as well as ... |
|---|
| American football |
| Canoeing (inland/coastal - grade 6) |
| Canyoning |
| Caving |
| Cycling - BMX |
| Flying (as a pilot of non-commercial aircraft, if appropriate licence held or flying with a qualified instructor. No personal liability or personal accident cover) |
| Gliding |
| Hang Gliding (no personal liability or personal accident cover) |
| Hiking outside of Nepal over 4,600m |
| Kayaking (inland/coastal - grade 6) |
| Multi-pitch rock climbing (outdoor - no fr ee climbing or solo climbing) |
| Open water swimming (organised only, maximum distance 10 kilometres) |
| Paragliding |
| Parapenting |
| Parascending |
| Polo |
| Pot holing (as part of a group on known routes only) |
| Quad biking (over 125cc) |
| Sandboarding |
| Trekking outside of Nepal over 4,600m |
| Activity - includes all activities in the Extreme Activity Pack as well as ... |
|---|
| Mountaineering up to 6,000 metres (organised groups, using ropes and with guides only) |
| Solo sky diving (no personal liability or personal accident cover) |
| Activity |
|---|
| Trekking within Nepal up to 7,000m |
For trekking in Nepal, if you need helicopter mountain medical rescue, all costs have to be pre-authorised by the insurer’s medical
emergency assistance service and the policy excess will be increased to £500. This policy excess still applies, even if the extra premium
has been paid for excess waiver.
There is no cover for any of the following whilst trekking in Nepal:
• Self-guided trekking,
• Trekking against local authority advice,
• Trekking on routes which are not recognised.
• Trekking above 7,000 meters in altitude
| Activity |
|---|
| Big foot skiing |
| Cat Skiing |
| Cross-Country Skiing |
| Downhill skiing |
| Kite skiing |
| Nordic skiing |
| Snowboarding |
| Snowmobiling |
| Snow Skiing |
| Activity |
|---|
| Ski Instructor Courses |
| Ice Hockey |
| Pipe and park freestyle skiing/boarding (but excluding competitions) in freestyle ski park areas (jumps permitted under 9m) |
| Paraskiing |
| Off-Piste skiing |
| Off-Piste snowboarding |
| Heli-Skiing |
* Please note there is no cover if trekking against local authority advice or trekking on routes which are not recognised
** Conventional scuba diving only. No air travel is permitted within 24 hours of scuba diving. The Insured Person must hold a British Sub Aqua Club certificate or equivalent and follow the relevant Club rules and guidelines at all times, or you must only dive under the constant supervision of a properly licensed diving school and follow their rules and instructions at all times.
If you are planning a longer trip abroad which may include volunteering, casual work, or extended travel between destinations, you may wish to consider our Backpacker Travel Insurance which is designed for long-stay travellers and gap year trips.
Volunteering/Working
Means an Insured Person’s participation in community or wildlife based conservation/project work when arranged by a professional organisation. This may include caring, teaching or nursing. It may also cover community / charity based supervised building / renovation projects or other Permitted Manual Work, provided the activity does not involve the use of plant/trade/industrial machinery or non-domestic power tools.
Permitted Manual Work
Means WWOOFing, fruit picking, casual farm work. Permitted Manual Work is not covered if it involves the use of plant/trade/industrial/agricultural machinery (other than tractors) or non-domestic power tools.
Big Cat Travel Insurance is a trading name of Flynow.com Ltd (registration No.FRN 1022075) who is authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register at www.fca.org.uk or by contacting them on (0) 800 111 6768. © 2026 Big Cat Travel Insurance Services. All rights reserved.