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Travel insurance for kayaking

Everything you need to know about travel insurance for kayaking and rafting.

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Exotic sunsets, the water lapping at your bow, hurtling down river rapids; experiences on the water are often the most unforgettable part of any holiday. From paddling with the family on Lake Superior, to sea kayaking the turquoise waters around Indonesia’s Raja Ampat archipelago, get your next holiday flowing on a kayaking or rafting adventure.

What types of rafting and kayaking does World Nomads travel insurance cover?

When you get a travel insurance quote for your kayaking or rafting trip, you need to specify the adventure activity in your policy. When you choose your options, select your kayaking/rafting activity according to the following activity category:

  • Kayaking: inland/coastal waters within 3 nautical miles, grades 1-5
  • Sea Kayaking: beyond 3 nautical miles
  • Sea Kayaking: inland/coastal waters within 3 nautical miles, grades 1-5
  • White Water Kayaking: inland/coastal waters within 2 nautical miles, grades 1-5

Also note that if you are venturing more than 3 nautical miles from the land, complementary coverage does not apply for these cases.

Also note that complementary medical expenses are excluded for kayaking beyond than three nautical miles and rafting over grade 4 rapids.

What do those River Grades mean?

Several activity options above mention international river grades which can be described as:

  • Class 1: Easy
  • Class 2: Novice
  • Class 3: Intermediate
  • Class 4: Advanced
  • Class 5: Expert
  • Class 6: Extreme and Exploratory Rapids

We offer coverage for river grades (also known as classes) from Class 1 to Class 5. We do not offer coverage for Class 6 rapids.

When you are about to head down the river or rapids, always be aware of the rating. Read more about the International River Grading System from the American Whitewater association. 

Traveler’s Tip: before you launch, remember to check the International River Grading of the river you’re on so you won’t invalidate your cover. The scale is used for various water sports and activities, such as white water rafting, river boarding, white-water canoeing, stand up paddle surfing, and whitewater kayaking.

Choosing the right policy for you

We offer three plans – Standard, Explorer and Explorer Plus – each offers different levels of coverage. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific activity plans. In addition to kayaking and rafting, we over coverage for more than 180 adventure activities for our Brazilian nomads.

If you’re not sure whether your kayaking or rafting adventure is covered, please contact us.

What is covered by World Nomads Travel Insurance?

Our policies may cover you on your kayaking and rafting adventures (up to the policy limits) for:

  • Emergency medical: Emergency medical coverage could come in handy if you suffer an accident or injury that results in you going to the hospital.
  • Evacuation coverage: your water adventure may be far away from medical facilities. If your condition warrants it, you may be transported to an appropriate medical facility. And if your injuries are worse than first thought, you could be repatriated back home, subject to approval from our 24/7 Emergency Assistance Team.
  • Trip cancellation or interruption: if your trip is cancelled or interrupted due to an unforeseen event like an illness or injury, you may be able to recover your nonrefundable, prepaid travel expenses.
  • And more! Check out what else is covered on our policies.

Rafting and kayaking: What’s not covered

While there are several kayaking and rafting adventures, we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:

  • Any Class 6 kayaking or rafting trips – sorry, but that’s a no-go for us.
  • If you travel against medical advice.
  • Any pre-existing medical condition unless otherwise expressly stated in your policy.
  • Participation in a sport or activity not named in our adventure activities list or agreed by World Nomads.
  • Expenses you incur after you return to your Country of Residence.
  • Working or participating professionally as an athlete in any activity or sport.
  • For kayaking beyond three nautical miles, complementary medical expenses are excluded.
  • For rafting over grade 4, complementary medical expenses are excluded.

Kayaking and rafting: traveling smarter and safer

We love to find ways to help you enjoy your travels: from traveling smarter to travel safety and we endeavor to source the most up-to-date information about travel destinations. If you are going Kayaking or Rafting in another country, check out our Travel Safety content or you can read more about kayaking destinations.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip against unexpected cancellation.

  • Explorer Plus: USD $1,500
  • Explorer Plan: USD $1,000
  • Standard Plan: USD $500
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Medical Expenses Overseas

Take the pain out of medical costs.

  • Explorer Plus: USD $100,000
  • Explorer Plan: USD $70,000
  • Standard Plan: USD $30,000
Medical Expenses Overseas
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation and Repatriation

Emergency medical transportation: we’ll get you to hospital or home quickly.

  • Explorer Plus: USD $80,000
  • Explorer Plan: USD $60,000
  • Standard Plan: USD $40,000
Emergency Evacuation & Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Checked-in Baggage Loss

Covers the loss, theft or damage of your bags by a common carrier.

  • Explorer Plus: USD $1,200
  • Explorer Plan: USD $1,000
  • Standard Plan: USD $500
Checked-in Baggage Loss
  • Passport stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Trip Cancellation or Interruption
  • Baggage
  • Emergency Medical Evacuation & Repatration
  • 24 Hour Assistance Services
  • And more (depending on your country of residence)
This is a general summary for Brazil residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team are 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?

Your World Nomads policy is provided through Chubb Seguros:

Phone: +1 212-315-1806 (from anywhere in the world)

Phone: 0800-591-1043 (from Brazil)

WhatsApp message: +54 911 3053-3959

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.

Underwritten by:

Insured by Chubb. For Brazilian residents, we partner with Chubb to provide travel insurance products, customer service for 24/7 urgencies and emergencies, and claims service. You can purchase your insurance in up to six installments.