Sports Fees

• What is Sports Fees?
  Sports Fees can reimburse a traveler’s prepaid and non-refundable payments that are specific to sports and activities.

• What am I covered for?
  Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

  GENERAL LIMITATIONS AND EXCLUSIONS

  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, family member, host at destination, business partner, pet and service animal. This policy does not cover any loss for, caused by or resulting from:

  i. Aviation or related activities, other than as a fare‐paying passenger on a scheduled or charter flight operated 
by a scheduled airline; skydiving or parachuting; 
 j. Participation in or loss due to adventure activities unless the Adventure Sports Coverage is included with your 
plan or has been elected and consideration of premium has been paid (does not apply to Trip Cancellation, Travel Medical Expense, Emergency Evacuation and Repatriation of Remains, and Accidental Death and Dismemberment coverages); 


  k. Participation in or loss due to dangerous activities (does not apply to Trip Cancellation, Travel Medical Expense, Emergency Evacuation and Repatriation of Remains, and Accidental Death and Dismemberment coverages); 


  l. Participation in or loss due to extreme activities unless the Extreme Activities Coverage is included with your plan or has been elected and consideration of premium has been paid (does not apply to Trip Cancellation, Travel Medical Expense, Emergency Evacuation and Repatriation of Remains, and Accidental Death and Dismemberment coverages); 


  m. Participation in or loss due to winter activities unless the Winter Activities Coverage is included with your plan or has been elected and consideration of premium has been paid (does not apply to Trip Cancellation, Travel Medical Expense, Emergency Evacuation and Repatriation of Remains, and Accidental Death and Dismemberment coverages); 


  gg. Participation as a professional in athletics or sports.

  Adventure activities means leisure and non‐professional sports activities in:

  a) Snow skiing or snowboarding, except extreme skiing or extreme snowboarding;

  b) Mountain biking or mountain cycling;

  c) Mountain climbing below three thousand (3,000) meters;

  d) Ice fishing;

  e) Scuba diving for qualified divers up to a maximum depth of forty (40) meters or one hundred thirty (130) feet and for unqualified divers up to a maximum depth of twelve (12) meters or forty (40) feet;

  f) White or black water rafting (Grades one (1) – two (2));

  g) Water skiing;

  h) Kite surfing and wind surfing;

  i) Surfing;

  j) Hunting/Shooting;

  k) Sailing;

  l) Snowmobiling;

  m) Tobogganing or sledding;

  n) Or any activity materially similar to the above.

  Dangerous activities means:

  a) Air travel on a not‐for‐hire aircraft (whether as a pilot, crew member or a passenger);

  b) Bull riding;

  c) Running of the bulls;

  d) Free diving;

  e) Rock climbing without equipment;

  f) Scuba diving (below forty (40) meters or one hundred thirty (130) feet);

  g) Operating or learning to operate any aircraft, as student, pilot, or crew;

  h) Air travel on any air‐supported device, other than a regularly scheduled airline or air charter company;

  i) BASE jumping;

  j) Wingsuit flying;

  k) Parkour;

  l) Participation in bodily contact sports such as boxing and full‐contact martial arts;

  m) Riding, training or driving in races, or speed or endurance competitions or events;

  n) Fly‐by‐wire;

  o) Hang gliding;

  p) Mountain climbing over six thousand (6,000) meters;

  q) Participation in professional team sports or athletic events;

  r) Or any activity materially similar to the above.

  Extreme activities means:

  a) Cliff diving, only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator;

  b) Fly‐by‐wire, only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator;

  c) Hang gliding, only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator;

  d) Heli‐skiing, only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator;

  e) Heli‐snowboarding, (only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator);

  f) Mountain climbing (over three thousand (3,000) meters) and up to a maximum of six thousand (6,000) meters, and (only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator);

  g) Participation in semiprofessional, organized, interscholastic team sports or athletic events;

  h) Sky diving or parachuting (only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator);

  i) Bungee cord jumping (only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator);

  j) Spelunking or cave exploring (only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator);

  k) Extreme skiing (only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator);

  l) Extreme snowboarding (only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator);

  m) Riding upon, or rental of, electric or gasoline‐powered scooters, bicycles, mopeds, Segways or other motorized two‐wheeled conveyances;

  n) White or black water rafting (Grades three (3) – four (4)) (only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator);

  o) Or any activity materially similar to the above.

  Winter activities means:

  a) Skiing or snowboarding except extreme skiing and extreme snowboarding;

  b) Glacier walking (only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator);

  c) Dog sled rides (only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator);

  d) Ice climbing (only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator);

  e) Ice curling;

  f) Ice diving; (only when performed under the supervision or guidance of a qualified outfitter, guide or tour operator)

  g) Ice hockey;

  h) Ice skating;

  i) Sledding;

  j) Speed skating;

  k) Tobogganing; or

  l) Any activity materially similar to those activities described herein.