Check your travel insurance for each activity before you pay, in writing, not by assumption. Look for exclusions on diving, hiking, watersports and anything with a height or depth limit. Keep every reply from your insurer.
This guide is general information, not advice on a specific policy. It sits in our itinerary styles topic. For the basics, read what honeymoon travel insurance covers.
Why check at all?
Policies sort activities into groups. Basic cover may include walking or snorkelling but leave out scuba, rafting or bungee. If you claim for an activity that is excluded, the insurer may decline.
A quick check before you book costs far less than a decline after an accident.
What is the five-step check?
Follow these steps for each activity:
- Find the policy wording and read the list of covered and excluded activities.
- Note any limits: depth, height, altitude, certified guide, or supervised only.
- Write to the insurer with the exact activity and location. Ask if it is covered.
- Ask whether an add-on is needed, and what it costs for two.
- Save the reply with your booking.
What wording should we look for?
Use this table as a prompt:
| Activity | Look for |
|---|---|
| Scuba diving | Depth limit, certification required, no-fly rules |
| Hiking | Altitude limit, “trekking” versus “walking”, guide required |
| Snorkelling and boats | Open sea versus lagoon, life jacket rules |
| Zipline, canopy | Height limits, “adventure sports” exclusion |
| Cycling | Helmet requirement, off-road exclusions |
If the wording is unclear, ask. Insurers can answer in plain language. Our guide on the diving no-fly window covers the flight side of diving.
What about excess and remote areas?
Read the excess, the amount you pay first in a claim. Our travel insurance excess explained page shows how it works. For islands far from a hospital, also check evacuation cover; see insurance for remote island honeymoons.
What should we ask the operator?
Ask in writing:
- Do you hold your own liability cover?
- Is there a safety briefing and are guides trained?
- What is the cancellation and weather rule?
- Do you need a medical form from us?
A good operator answers plainly. If the reply is vague, consider another.
What should we do next?
- List every activity you may book.
- Run the five-step check on each.
- Save the written replies in one folder or chat.
- Send us the list, and we will help you prepare operator questions and check the total for two.