What can I do if I am older than the maximum age limit for the policy?

You may be able to obtain an alternative travel insurance policy by contacting:

British Insurance Brokers Association: www.biba.org.uk
Tel: 0870 950 1790 (Lines open 9.00am – 5.00pm Monday to Friday)

Health conditions

Please note: this policy does not provide cover for pre-existing medical conditions. Please refer to full details below.

This policy contains conditions relating to your health. In particular, claims will not be covered where at the time of purchasing this insurance any insured person has suffered from or received any form of medical advice or treatment or medication for any of the following conditions:

• any heart or circulatory condition; or
• any respiratory condition; or
• any cancerous condition.

In addition, claims will not be covered where at the time of purchasing this insurance you or any insured person has suffered from any of the following:

• you have a medical condition for which you are taking prescribed medication; or
• you have consulted a hospital specialist or needed inpatient treatment within the last 12 months.

Please refer to the policy wording for further information.

Health of your relatives, travelling companions insured elsewhere and business associates

This policy will not provide cover for claims under section A (Cancelling your trip) or section C (Cutting your trip short) arising from any medical condition you knew about at the time of purchasing this insurance and that affects a relative, business associate, a person who you have booked to travel with or a relative or friend living abroad who you had planned to stay with if during the three months before you purchased this policy, they:

• have been diagnosed with a new medical condition for which they need to take prescribed medication;
• have consulted a hospital specialist or needed inpatient treatment;
• are receiving or waiting for hospital investigation or treatment for any undiagnosed condition or set of symptoms; or
• have been given a terminal prognosis.

Changes to your health after purchasing your policy

If after you have paid your insurance premium you are diagnosed with a heart condition, a circulatory condition, a respiratory condition, cancer or if you receive inpatient medical treatment or if you are placed on a waiting list for investigation or medical treatment, you do not have a duty to disclose details of your change in circumstances to Outbacker before your trip.

Provided you were not aware of the medical condition and you were not aware you would need to receive medical treatment or undergo investigations at the date you paid your insurance premium, cover will continue under the existing terms of the policy. However, if you are no longer able to travel on your forthcoming trip due to your change in circumstances, you would be entitled to make a claim under section A (Cancelling your trip) for your costs which cannot be recovered from elsewhere.

Please refer to the policy wording for further information.

Our Winter sports cover insures you to partake in the following winter sports:

Bigfoot skiing, Cross country Skiing, Curling, Glacier walking (up to 4,000 metres), Ice curling, Ice diving, Ice skating, Langlauf, Mono skiing, Off piste skiing or snowboarding (except in areas considered to be unsafe by local resort management), Skiing, Ski/snow biking, Ski/snow blading, Sledging/Sleighing, Snowboarding, and Tobogganing.

Upgrade to Extreme Wintersports (Sports and Activities Categories B & C) to additional receive cover for Cat skiing / boarding, Glacier skiing, Ice climbing, Kite skiing, Kite snowboarding, Ski randonee, Ski touring, Ski-dooing, Snow mobiling, Speed skating, Heli-skiing and Ice hockey.

In addition we cover winter sports equipment and hire, lift passes, ski pack, piste closure, avalanche cover and physiotherapy on your return to the UK for an during your trip whilst taking part in winter sports activities.

In addition to these winter sports all our policies include the following sports and activities as standard.

Aerobics, Air boarding, Angling, Archery, Badminton, Banana boating, Baseball, Basketball, Beach games, Biathlon, Boardsailing / windsurfing, Body boarding / boogie boarding, Bowling, Bowls, Breathing observation bubble diving (to 30 metres), Bridge walking Included Must be adequately supervised and full safety equipment used, Bungee jumping, Canoeing and kayaking - Grade 1 Rivers, Canopy walking / tree-top walking on fixed structure walkways, Catamaran sailing, Clay pigeon shooting, Cookery courses, Cricket, Croquet, Cross country running, Cycling, Darts, Dinghy sailing, Dog sledding, Dragon boating, Elephant trekking, Fell walking, Fishing, Golf, Gorilla trekking, Handball, Hiking (below 4,000 metres), Hot air ballooning, Husky sledge rides, Inline skating, Jet boating, Jet skiing, Jogging, Kayaking and canoeing - Grade 1 Rivers, Korfball, Motor cycling, Mountain biking (recreational), Netball, Paintballing, Parasailing, Parascending (over water), Pistol shooting, Pony trekking, Pool, Rafting, Rambling, Refereeing, Reverse bungee jumping, Rifle shooting, Ringos / doughnuts, Roller blading / skating, Rounders, Rowing, Running (not long distance), Safari (no guns), Safari trekking in a vehicle, Safari trekking on foot, Sail boarding, Sailing / yachting (within a 12-mile limit of the coastline), Scuba diving (up to 30 metres depth if qualified or with an instructor), Shooting, Skate boarding, Small bore target shooting, Snooker, Snorkelling, Softball, Street dancing, Surfing, Swimming, Swimming with dolphins, Swimming with stringrays, Sydney Harbour bridge walk, Table tennis, Tennis, Tenpin bowling, Trampolining, Trekking / walking / hiking up to 4,000 metres, Tug-of-war, Ultimate frisbee, Volleyball, Wake boarding, War games, Water polo, Water skiing, Windsurfing, Yoga, Zip lining

Please see the policy wording for further information.

Our Extreme Winter sports cover insures you to partake in the following base winter sports:

Bigfoot skiing, Cross country skiing, Curling, Glacier walking (up to 4,000 metres), heli-skiing, Ice curling, Ice diving, Ice skating, Langlauf, Mono skiing, Off piste skiing or snowboarding (except in areas considered to be unsafe by local resort management), Skiing, Ski/snow biking, Ski/snow blading, Sledging/Sleighing, Snowboarding and tobogganing.

You area also covered for Extreme Wintersports (Sports and Activities Category B & C) including cover for Cat skiing / boarding, Glacier skiing, Ice climbing, Kite skiing, Kite snowboarding, Ski randonee, Ski touring, Ski-dooing, Snow mobiling, Speed skating, Heli-skiing and Ice hockey.

In addition we cover winter sports equipment and hire, lift passes, ski pack, piste closure, avalanche cover and physiotherapy on your return to the UK for an during your trip whilst taking part in winter sports activities.

Selecting this option will insure you for the above activities and the following sports and activities so long as you follow the safety guidelines for the activity concerned and where applicable you use the appropriate and recommended safety equipment; the activity is not part of a competition or tournament; and the activity is not on a professional basis.

Category A
Canoeing and kayaking - Grade 2 Rivers, Charity work (no manual work), Education work (not qualified as a teacher), Fruit picking, Iron man (amateur), Kayaking and canoeing - Grade 2 Rivers, Lifeguards (non beach), Racketball, Rackets, Squash / rackets, Teacher (not qualified), Vegetable picking.

Category B
Abseiling, Amateur athletics, Assault courses, Bamboo rafting, Battle re-enactment, Body flying / Wind tunnel flying, Canoeing and Kayaking – Grade 3 Rivers, Canopy / Tree top walking (using ropes), Camel riding, Cave tubing / river tubing, Climbing (indoor), Cycle touring, Deep sea fishing, Dry slope skiing / boarding, Dune / wadi bashing, Equestrian events, Fell running, Fencing, Fives, Football / soccer, Gaelic football, Go-karting, Gymnastics, Hiking (4,000 - 5,000 metres), Hockey, Horse grooms, Horse riding (not polo, jumping or hunting), Hurling, Hydro speeding, Judo, Karate, Kendo, Kite buggying, Kite surfing (over land), Kite surfing (over water), Lacrosse, Marathon running, Martial arts, Modern pentathlon, Mountain boarding, Mud buggying, Orienteering, Parachute jumping (tandem), Parapenting, Parascending (over land), Rock scrambling, Roller hockey, Safari (with guns), Sand boarding, Sand dune surfing / skiing, Scrambling, Scuba diving (30 - 50 metres depth if qualified or with an instructor), Sea canoeing, Sea kayaking, Shark diving (in a cage), Shinty, Sky jump from Auckland Sky Tower (in New Zealand), Soccer, Street hockey, Summer tobogganing, Tae kwon do, Tall-ship crewing, Touch football, Touch rugby, Trekking (4,000 to 5,000 metres), Triathlon, White water canoeing / rafting (up to Grade 3), Zorbing.

Category C
Adventure racing, Alpine mountain biking, American football, Black water rafting, BMX riding - stunt / obstacle, Bouldering, Bridge swinging, Canoeing and kayaking - Grade 4 or 5 Rivers, Cascading, Caving / pot holing, Climbing (up to 4,000 metres using guides and ropes), Diving (high diving), Endurance tests, Flying as a pilot or trainee pilot in a private aircraft or helicopter, Football - American, Glacier skiing, Gliding, Gorge scrambling, Gorge swinging / canyon swinging, Gorge walking, Hang gliding, Harness racing, High diving (in excess of 5 metres), Kayaking and canoeing - Grade 4 or 5 Rivers, Kloofing, Micro-lighting, Ostrich riding, Parachute jumping (static line), Paragliding, Pot holing, Rap jumping, River bugging, Rock climbing, Rugby League, Rugby Sevens, Rugby Union, Sky diving, Via ferrata, Water ski jumping, White water canoeing / rafting (Grade 4 or 5).

If you are participating in an activity under Category C, your excess under section B1 (Medical and other expenses outside of the United Kingdom) will be increased to £250 and there will be no cover under section G (Personal accident) and section H (Personal liability) whilst taking part in the activity.

Please see the policy wording for further information.

All our policies include the following sports and activities as standard.

Aerobics, Air boarding, Angling, Archery, Badminton, Banana boating, Baseball, Basketball, Beach games, Biathlon, Boardsailing / windsurfing, Body boarding / boogie boarding, Bowling, Bowls, Breathing observation bubble diving (to 30 metres), Bridge walking Included Must be adequately supervised and full safety equipment used, Bungee jumping, Canoeing and kayaking - Grade 1 Rivers, Canopy walking / tree-top walking on fixed structure walkways, Catamaran sailing, Clay pigeon shooting, Cookery courses, Cricket, Croquet, Cross country running, Cycling, Darts, Dinghy sailing, Dog sledding, Dragon boating, Elephant trekking, Fell walking, Fishing, Golf, Gorilla trekking, Handball, Hiking (below 4,000 metres), Hot air ballooning, Husky sledge rides, Inline skating, Jet boating, Jet skiing, Jogging, Kayaking and canoeing - Grade 1 Rivers, Korfball, Motor cycling, Mountain biking (recreational), Netball, Paintballing, Parasailing, Parascending (over water), Pistol shooting, Pony trekking, Pool, Rafting, Rambling, Refereeing, Reverse bungee jumping, Rifle shooting, Ringos / doughnuts, Roller blading / skating, Rounders, Rowing, Running (not long distance), Safari (no guns), Safari trekking in a vehicle, Safari trekking on foot, Sail boarding, Sailing / yachting (within a 12-mile limit of the coastline), Scuba diving (up to 30 metres depth if qualified or with an instructor), Shooting, Skate boarding, Small bore target shooting, Snooker, Snorkelling, Softball, Street dancing, Surfing, Swimming, Swimming with dolphins, Swimming with stringrays, Sydney Harbour bridge walk, Table tennis, Tennis, Tenpin bowling, Trampolining, Trekking / walking / hiking up to 4,000 metres, Tug-of-war, Ultimate frisbee, Volleyball, Wake boarding, War games, Water polo, Water skiing, Windsurfing, Yoga, Zip lining

Please see the policy wording for further information.

Selecting this option will insure you for the following activities so long as you follow the safety guidelines for the activity concerned and where applicable you use the appropriate and recommended safety equipment; the activity is not part of a competition or tournament; and the activity is not on a professional basis.

Canoeing and kayaking - Grade 2 Rivers, Charity work (no manual work), Education work (not qualified as a teacher), Fruit picking, Iron man (amateur), Kayaking and canoeing - Grade 2 Rivers, Lifeguards (non beach), Racketball, Rackets, Squash / rackets, Teacher (not qualified), Vegetable picking.

Please see the policy wording for further information.

Selecting this option will insure you for category A sports and activities as well as for the following sports and activities so long as you follow the safety guidelines for the activity concerned and where applicable you use the appropriate and recommended safety equipment; the activity is not part of a competition or tournament; and the activity is not on a professional basis.

Abseiling, Amateur athletics, Assault courses, Bamboo rafting, Battle re-enactment, Body flying / Wind tunnel flying, Canoeing and Kayaking – Grade 3 Rivers, Canopy / Tree top walking (using ropes), Camel riding, Cave tubing / river tubing, Climbing (indoor), Cycle touring, Deep sea fishing, Dry slope skiing / boarding, Dune / wadi bashing, Equestrian events, Fell running, Fencing, Fives, Football / soccer, Gaelic football, Go-karting, Gymnastics, Hiking (4,000 - 5,000 metres), Hockey, Horse grooms, Horse riding (not polo, jumping or hunting), Hurling, Hydro speeding, Judo, Karate, Kendo, Kite buggying, Kite surfing (over land), Kite surfing (over water), Lacrosse, Marathon running, Martial arts, Modern pentathlon, Mountain boarding, Mud buggying, Orienteering, Parachute jumping (tandem), Parapenting, Parascending (over land), Rock scrambling, Roller hockey, Safari (with guns), Sand boarding, Sand dune surfing / skiing, Scrambling, Scuba diving (30 - 50 metres depth if qualified or with an instructor), Sea canoeing, Sea kayaking, Shark diving (in a cage), Shinty, Sky jump from Auckland Sky Tower (in New Zealand), Soccer, Street hockey, Summer tobogganing, Tae kwon do, Tall-ship crewing, Touch football, Touch rugby, Trekking (4,000 to 5,000 metres), Triathlon, White water canoeing / rafting (up to Grade 3), Zorbing.

In addition you will receive cover for the following sports and activities if you take winter sports cover at the same time:

Cat skiing / boarding, Glacier skiing, Ice Climbing, Kite skiing, Kite snowboarding, Ski randonee, Ski touring, Ski-dooing, Snow Mobiling, Speed skating.

Please see the policy wording for further information.

Selecting this option will insure you for category A & B sports and activities as well as the following sports and activities so long as you follow the safety guidelines for the activity concerned and where applicable you use the appropriate and recommended safety equipment; the activity is not part of a competition or tournament; and the activity is not on a professional basis.

Adventure racing, Alpine mountain biking, American football, Black water rafting, BMX riding - stunt / obstacle, Bouldering, Bridge swinging, Canoeing and kayaking - Grade 4 or 5 Rivers, Cascading, Caving / pot holing, Climbing (up to 4,000 metres using guides and ropes), Diving (high diving), Endurance tests, Flying as a pilot or trainee pilot in a private aircraft or helicopter, Football - American, Glacier skiing, Gliding, Gorge scrambling, Gorge swinging / canyon swinging, Gorge walking, Hang gliding, Harness racing, High diving (in excess of 5 metres), Kayaking and canoeing - Grade 4 or 5 Rivers, Kloofing, Micro-lighting, Ostrich riding, Parachute jumping (static line), Paragliding, Pot holing, Rap jumping, River bugging, Rock climbing, Rugby League, Rugby Sevens, Rugby Union, Sky diving, Via ferrata, Water ski jumping, White water canoeing / rafting (Grade 4 or 5).

In addition, you will receive cover for the following sports and activities (as well as the Category B extreme winterports activities) if you take winter sports cover at the same time:

Heli-skiing, Ice hockey.

If you are participating in an activity under this category, your excess under section B1 (Medical and other expenses outside of the United Kingdom) will be increased to £250 and there will be no cover under section G (Personal accident) and section H (Personal liability) whilst taking part in the activity.

Please see the policy wording for further information.