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tripcover.pl — travel insurance

Is my sport covered?

The answer depends on the product. Go Safe, for people who come to Poland, treats skiing and snowboarding as high-risk sports that need a surcharge. Travel World, for people living in Poland who travel abroad, covers skiing with no surcharge from the VIP plan upwards.

I am visiting Poland I live in Poland

Go Safe · you live outside Poland

Sports in Go Safe

Unless you pay a surcharge, Go Safe does not cover the consequences of high-risk, extreme and competitive sports (General Terms § 19 sec. 3). You add each group in the purchase form, under “Zwyżki i zniżki (dla osoby)”.

Covered with no surcharge

Amateur sport and qualified tourism: cycling, sailing a dinghy, kayaking, pedal boats, camel riding, jeep safari, fishing, hiking in the mountains up to 3,000 m without climbing equipment, sailing up to 20 nautical miles from the shore as a crew member (General Terms § 2 pt 30).

High-risk sports: surcharge

Skiing, snowboarding, horse riding, polo, hunting, scuba diving, rafting and other water sports on mountain rivers, martial arts and self-defence sports, quad biking, kitesurfing, windsurfing, surfing, water skiing, jet skiing, paintball (General Terms § 2 pt 26).

Extreme sports: surcharge

Air sports, mountain biking, motor sports, mountaineering, rock and crag climbing, caving, ski jumping, mogul skiing, acrobatic ski jumps, sports with vehicles on snow or ice, sailing more than 20 nautical miles from the shore, bungee jumping, trekking above 3,000 m (General Terms § 2 pt 24).

Competitive sports: surcharge

Regular training combined with competitions, sports events and training camps aimed at maximum results, and professional sport (General Terms § 2 pt 35).

Buy Go Safe Go Safe plans and exclusions

Travel World · you live in Poland

Search the sports list of Travel World

70 activities from Annex 1 to the Travel World General Terms. Skiing and snowboarding are covered from the VIP plan with no surcharge; extreme sports need an extension, also available from VIP.

We will check it against the list of 70 activities in the General Terms of Insurance.

Popular:

See the full list of 70 activities

Amateur sports

In every plan, no surcharge

If you do them competitively or professionally, you need the extension for competitive sports.

  • cycling, e-biking, riding in the mountains on marked trails
  • roller skating, inline skating, ice skating
  • swimming
  • sailing a dinghy, kayaking, pedal boats, wakeboarding
  • riding inflatables towed by a motorboat (e.g. banana boat, towable sofa)
  • camel or elephant riding
  • jeep safari
  • sports camps for children under 18
  • fishing
  • trekking and mountain running up to 5,500 m above sea level without climbing, safety or belay equipment
  • sailing up to 20 nautical miles from the shore (as a crew member)
  • horse riding, polo
  • scuba diving to a depth of 18 m
  • rafting and other water sports on mountain rivers
  • martial arts, self-defence sports
  • riding quads, buggies, tuk-tuks
  • kitesurfing, windsurfing, surfing
  • parasailing
  • water skiing, jet skiing
  • football, volleyball, beach volleyball
  • tennis, table tennis
  • squash, badminton
  • dancing
  • yoga
  • aerobics
  • paintball
  • golf
  • stand up paddling (SUP)
  • chess, draughts, billiards
  • zorbing
  • snorkelling
  • riding scooters, skateboards, segways
  • disc golf
  • skibob, curling
  • sledging, snow tubing
  • rope park, zip line
  • flying in a balloon, light aircraft or helicopter as a passenger

Winter sports

Only VIP, VIP Plus and The Best, no surcharge

In Standard and Standard Plus, skiing and snowboarding are not covered at all.

  • skiing on marked runs
  • snowboarding on marked runs

Extreme sports

Only VIP, VIP Plus and The Best, with a surcharge

They need an extension for an extra premium. Not available in Standard and Standard Plus.

  • air sports: gliding, ballooning, parachuting, hang gliding, paragliding, microlight flying, flying drones and their variants, and other disciplines involving movement through the air
  • mountain biking
  • motor sports
  • mountaineering, rock climbing, crag climbing, ice climbing
  • caving
  • ski jumping
  • mogul skiing
  • acrobatic ski jumps and sports with vehicles moving on snow or ice
  • sailing more than 20 nautical miles from the shore (as a crew member)
  • bungee jumping, jumping
  • trekking higher than 5,500 m above sea level
  • via ferrata
  • American football, rugby
  • bobsleigh
  • ice yachting
  • hockey
  • kite-skiing, kite-snowboarding
  • abseiling
  • bouldering
  • downhill
  • off-piste snowboarding and skiing
  • heli-skiing, heli-snowboarding, heliboarding
  • motocross, off-road motor rallies, MTB
  • canopying
  • diving deeper than 18 m, wreck and cave diving
  • freediving
  • jumping from high buildings or cliffs
  • parkour, freerunning, hydrospeed
  • acrobatic stunts
  • luge
  • sports involving firearms, including shooting and hunting

Source: Annex 1 to the General Terms of Insurance of Travel World (Towarzystwo Ubezpieczeń Europa S.A.). The General Terms describe the list as illustrative, not exhaustive; in case of doubt, the wording of the General Terms prevails. Practising any of these activities competitively or professionally requires the extension for competitive sports.

Travel World plans and exclusions