Yep, you can get travel insurance that will cover claims related to paragliding or parasailing. However, you'll need to check the details. Paragliding and parasailing are risky activities, and are considered extreme sports, so they'll need a comprehensive policy. The extra cost you pay will account for the extra risk you're taking.
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There's no single best travel insurance for extreme sports like paragliding. Instead, you're best to compare travel insurance policies in general, and then adding adventure sports to your cover when you sign up.
You can use Finder to compare travel insurance quotes from 16 brands – that’s more than any other site in Australia.
If your policy says it covers extreme sports like paragliding, it’s important to check if there are any conditions that affect when cover will apply. Conditions may include:
It's not enough to just get a policy that's advertised as an 'extreme sports' package or similar. You really do need to check the details of the policy.
If you’re thinking of paragliding or parasailing while on holiday, be aware that travel insurers apply different definitions of what constitutes paragliding and what constitutes parasailing. Check with your insurer to confirm whether you will be covered before you participate in either sport.
There are certain situations when you won’t be able to receive any cover from your travel insurer for paragliding or parasailing. Some of these are specific to the sport itself, including:
In other cases, you may not be covered for paragliding-related claims under some of the general exclusions of your policy, such as:
Make sure you read the fine print of your policy to work out when you will and will not be covered.
Hang gliding is generally not able to be covered by travel insurance. While simiar to paragliding in some ways, the design of hang gliders make them harder to control than paragliders. That makes them inherently more dangerous.
You will pay more for a travel insurance policy that covers extreme sports. This is because you're putting yourself at higher risk, so the odds of you making a claim are higher.
How much extra you'll pay depends on your insurer's add-on options. For example, Fast Cover offers an adventure pack that costs about 30% on top of the cost of most policies. This adventure pack covers lots of sports including tandem paragliding, but not other sports like snowboarding, which requires a more expensive policy again.
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