The Sports & Activities benefit is designed to cover travelers who are participating in sports and adventurous activities, some of which may otherwise be excluded. Travelers can indicate the activities they will be participating in by selecting the Sports & Activities filter.
If you have selected sports and/or activities filters, the provider has confirmed that these activities are not excluded from coverage for this policy. Please keep in mind that you may not specifically see your selections listed as covered in the policy certificate. We have confirmed with the provider that these activities are not excluded, however, we cannot guarantee adequate coverage for your particular trip. Please call us to review your policy certificate for coverage limitations and exclusions that may apply to your trip and activities.
The policy certificate includes the following language:
Coverages to which General Exclusions apply: In addition to any applicable benefit-specific exclusions, the following exclusions apply to all Losses and all benefits. Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, and Immediate Family Member.
We will not pay for Loss caused by or resulting from:
7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;
8. Your participation in Adventure Activities, Winter Activities or dangerous activities, except as a spectator;
10. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;
11. Piloting or learning to pilot or acting as a member of the crew of any aircraft;