Hazardous Activity Exclusion
A standard clause voiding cover for activities the insurer considers dangerous. The list varies wildly — walking safaris, balloon flights, horse riding, and diving each appear on some insurers' lists and not others.
Every travel policy carries a hazardous pursuits clause; the question is only what's on the list. The frustrating part for safari travelers is inconsistency: one insurer excludes walking safaris but covers ballooning, the next does the opposite.
How to read the clause
Find the named exclusions list and check every activity on your itinerary against it, by name.
Absence from a "covered activities" list can be as bad as presence on an excluded list — silence is not coverage.
Many exclusions can be bought back with an adventure sports rider.
Our activity guides track which partners explicitly cover each safari activity.