Photo © Christian Wheatley

Travel insurance for water sports and activities

What to know when getting your adrenaline rush in and around the water

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Water, water everywhere! Whether you’re planning to set sail on your holiday, scuba dive the world’s great reefs, or you’re going to bounce down a canyon on a white-water adventure, World Nomads travel insurance can help you and your family if the unexpected happens.

What does World Nomads travel insurance cover?

Some of the key benefits that you may be covered for (up to the befit limits) include:

  • Emergency medical and evacuation coverage – if you or a member of your family suffers an injury or accident whilst participating in a covered water sports activity.
  • Baggage and high-value items cover – if your baggage or items are stolen, lost or damaged you may be covered, including if your bags are delayed.
  • Cover for Coronavirus-related events – our policies offer medical coverage if you or your family are diagnosed with Coronavirus. You may also be covered for Coronavirus-related travel costs such as quarantine and trip cancellation, depending on which policy you choose.
  • Coverage for extended stays – Your plan can be extended while still travelling for up to 12 months from your departure date (terms and conditions apply).

Why should I consider travel insurance when doing a water sports activity?

Before you head off on your adventure it might be worth considering how travel insurance can ensure that your holiday dreams don’t turn into a nightmare.

Our policies can help with medical costs and evacuation if you suffer an injury while sailing in the Greek Islands and need to seek medical treatment. Travel insurance can also help if your surfboard is damaged while on your way to your surfing adventure in Hawaii.

Having travel insurance can even help if your diving trip to the Great Barrier Reef by is cancelled due to an insured event by the tour provider and you’re left out of pocket.

Our policies cover a wide range of water sports activities, so don’t leave your aquatic adventure up to chance.

What’s covered by water sports activity insurance?

We want you to have the best experience on your travels, so we’ve designed our plans to cover the water sports that our nomads love the most including: 

  • Dragon boating
  • Jet Skiing
  • Kayaking
  • Snorkelling
  • Scuba diving (qualified to 40 metres)
  • Surfing
  • Stand-up paddleboarding.

We can even offer cover for experiences that really push the limits including:

  • Outdoor endurance, multi-sport and triathlon events (less than ultra-distance)
  • Shark cage diving
  • Cavern diving (qualified to 40 metres).

World Nomads offers two plans – Standard and Explorer. Each policy provides different levels of coverage depending on what you need:

  • The Standard Plan covers a range of benefits and certain adventure activities and has lower coverage limits.
  • The Explorer Plan covers all the benefits of the Standard plan, with larger coverage limits, more benefits and covers more sports and activities.
  • Both the Standard and Explorer plans offer cover for nominated low-risk water sports under “Level 1” cover. If you plan to participate in higher-risk water sports, as listed in section 8 of the PDS, you may need to upgrade your Standard or Explorer plan to “level 2” or “level 3” cover depending on which water sports activities you plan on participating in.

Depending on the level of cover you choose, our policies may cover you for the following when participating in water sports activities:

  • Medical emergency: if you suffer an accident on injury whilst participating in a water sports activity, you are covered for medical expenses incurred including evacuation and even repatriation if you need to return home.
  • Trip cancellation: if any part your trip is cancelled due to unforeseen circumstances you may be covered for expenses incurred as a result of the cancellation.
  • Cover for stolen baggage and gear: if your gear is lost, stolen or damaged on your trip you may be able to claim to have your gear replaced or repaired.
  • Natural disaster: If a natural disaster impacts your planned water sports adventure our policies may cover you if you need to cancel or interrupt your travel plans.

woman kayaking in Slovenia
Woman kayaking in Slovenia. Photo credit: Getty Images/Brusonja

What's not covered?

While there are several circumstances we can offer coverage for, there are also those we just won’t cover. These include, but are not limited to:

  • Damage to any sporting equipment while in use, sporting equipment over 3 years old or damage to or theft of any water sports equipment that are left unsupervised in a public place.
  • If you travel against medical advice or neglect to adhere to Australian Government ‘Do Not Travel’ warnings issued prior to departure. Find out more at Smartraveller.
  • A loss arising from participating in or training for a competition or race where you receive a financial reward (i.e., an appearance fee, a wage or salary).
  • Any adventure activities or sports that aren’t covered by our policies.
  • Any pre-existing medical conditions.
  • Any costs related to illegal activities or being under the influence of drugs or alcohol.

    Tips for your water activity and sports trip

    • Keep your receipts and paperwork:any claim you make will need supporting documentation such as receipts of your purchases. Keep these with you in printed or digital form if you intend to make a claim.
    • It pays to be prepared:check the weather, check your equipment, and check the credentials of your instructors and guides – if any seem unreliable then reconsider if it’s a smart move to go.
    • Don’t get in over your head:be responsible when choosing a water sports activity. Does it suit your experience level? Are you using an accredited tour operator? Make sure to wear appropriate safety gear.

      This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your PDS in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.


      True Claims Stories

      • Never travel without insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
        L.D.
        U.S. resident in Spain
      • I recently had a serious injury traveling on my own & the team was amazing. Being confused with a brain injury they took care of everything. Claiming was no problem, they were on the phone constantly to see if all was OK. I can't recommend them enough. Absolutely fantastic & l will always travel with World Nomads Insurance. Thanks guys for getting me home safely.
        A.B.
        Australian in Thailand
      • I was bitten by a monkey at the Batu Caves in Kuala Lumpur. I went to a nearby clinic and they gave me a rabies shot, antibiotics to take for 4 days, pain medicine, and anti-inflammatory medicine.
        T.R.
        Canadian in Malaysia

      24/7 emergency assistance

      If you need medical assistance or emergency medical evacuation our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

      Are you in need of emergency assistance right now?

      Phone: +61 2 8263 0470 or Phone: +61 2 8292 1470 (reverse charges via an operator from anywhere in the world)

      Contact the team
      Wherever you are, whatever has happened, our multi-lingual assistance teams are here to help you and your family.
      Aurelie's portrait photo
      Aurelie Menard,
      Emergency Assistance, World Nomads

      Travel Insurance Benefits: how we can take care of you

      Trip Cancellation

      Protect your trip from unexpected cancellation.

      • Explorer Plan: Unlimited
      • Standard Plan: $5,000
      Trip Protection
      • Unexpectedly hospitalised?
      • Travel buddy unfit to travel?
      • Been made redundant?

      We’ve got your back.

      Emergency Medical Overseas

      Take the pain out of medical costs.

      • Explorer Plan: Unlimited
      • Standard Plan: $5,000,000
      Emergency Medical Insurance
      • Need meds quick?
      • Accidentally injured?
      • Suddenly sick?

      We’ve got your back.

      Emergency Medical Transport

      We'll get you to hospital lickety-split

      • Explorer Plan: Unlimited
      • Standard Plan: $500,000
      Evacuation and Repatriation
      • Banged up abroad?
      • Need a hospital urgently?
      • Medivac home?

      Help starts here.

      Protect your gear

      Cover your stolen or damaged gear and tech.

      • Explorer Plan: $10,000
      • Standard Plan: $2,000
      Protect your gear
      • Luggage lost?
      • Airline lost your gear?
      • Tech trashed?

      Help starts here.

      • Overseas Medical Expenses
      • Emergency dental treatment
      • 24 hour assistance
      • Emergency medical transport & repatriation
      • Cancellation costs
      • Trip interruption costs
      • Compassionate emergency visit home
      • Resumption of trip
      • Theft or accidental damage to baggage and personal items
      • Baggage delay over 12 hours
      • Funeral expenses overseas or repatriation of remains
      • Personal liability
      This is a general summary for Australian residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the policy documents for full details.

      Travel insurance. Simple & flexible.

      Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.