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Travel Insurance for China

Among ancient cities and amazing landscapes, learn how travel insurance can protect Americans traveling to China.

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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.

At a glance:

  • Travel insurance benefits for China may include trip cancellation, delay, and interruption
  • Coverage for medical emergencies, medical evacuation, and natural disasters while abroad
  • Protection for lost, stolen, or delayed baggage and personal belongings
  • Coverage for 250+ adventure and sports activities across China (hiking and rock climbing included)!
  • Optional Cancel For Any Reason (CFAR) upgrade for extra flexibility. Additional terms apply

Whether you’re braving the crowds of Beijing or retracing the footsteps of nomads before you on the Silk Road, China is as diverse as you’d expect a country of 1.4 billion people to be - and offers many exciting experiences for American visitors.

Foodies may want to taste their way through China on a search for the best xiaolongbao (also known as Chinese soup dumplings.) Partygoers can dance the night away in Shanghai, while history buffs may prefer to trade the skyscrapers for some of the ancient Chinese villages like Chengyang and Xitang. Many Americans also include the Great Wall of China as a part of their itinerary or decide to visit during the festive activities that happen during Chinese New Year.

Such uniqueness brings surprises – some are amazing, but others not so much.

For the not so awesome surprises like travel accidents and lost bags, you may want to consider travel insurance* for China. We also encourage you to check out our team’s tips for the things you need to know before visiting China.

Do I need travel insurance for China?

You booked the flights to Shanghai and even pre-purchased tickets for Yu Garden. You’ve taken the steps to plan an awesome vacation, but there are some things you just can’t plan for.

If you get hurt hiking through the bamboo forests at Monganshan National Park you may need to see a doctor. Or if a typhoon hits Shenzhen before your trip, it could make it impossible for you to travel there.

American travelers may want to consider travel insurance for China that could help with things like trip cancelation, overseas medical coverage, and repatriation. There are four plans to select from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.

Travel insurance for activities in China

World Nomads covers more than 250 activities for Americans traveling to China- including things like surfing in Houhai Bay, rock climbing in Yangshuo, and paragliding in Hangzhou.

When you get a quote for your travel insurance for China, it’s advantageous to have a rough idea of your activities. Knowing your itinerary in advance will help you choose the best plan for your needs to ensure you’re covered throughout your journey.

Each plan offers differing coverage. For example, kite flying in a traditional Chinese festival is covered under all plans, including the Standard Plan. Learning the ancient art of Kung Fu is also covered with every World Nomads travel insurance plan. However, if you choose to engage in a more intensive style of martial arts, including Mixed Martial Arts, you’ll want to invest in an Explorer or Epic Plan.

Travel insurance for medical emergencies in China

If you’re scuba diving the Great Wall of China (yes, that’s a thing!) and get decompression sickness, emergency medical coverage could reimburse you for your medical expenses. If your injury is serious, the 24/7 emergency assistance team may also recommend that you return home to the United States for treatment. In that instance, repatriation coverage that is included in your travel insurance for China may get you there.

Keep in mind that your health insurance likely won’t cover your medical expenses in China, so investing in travel insurance for China may help cover unexpected emergencies. If you have a medical emergency when traveling to China, you can call the 24/7 emergency assistance team and they can help refer you to a place that offers the level of care that you need. If your medical team only speaks Mandarin, our team can also help communicate with your doctors.

To streamline your experience seeking medical treatment in China, we recommend signing up for our Portable Health Records service. This non-insurance service allows your documents, prescriptions, test results, and emergency contacts to be accessible in one place, anywhere in the world. Whether you need to refill a prescription or deal with a more serious injury, this service can expedite the process.

Travel insurance for lost bags in China

It’s not something anyone wants to think about, but sometimes you’re left sitting at the carousel waiting for the bag that never comes.

What happens if your checked bag ends up in Hunan instead of Hainan? If you’re lucky, your bag just took a detour and will eventually make its way to you. Even a delayed bag can be stressful though. If your bag is delayed for at least 12 hours, you could still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.

If your bag never arrives, the first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact the Delayed or Lost Baggage Tracking and Delivery service, which is another of our non-insurance service partners. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.

Travel insurance for pickpockets in China

With such a large population, it can be hard dealing with the crowds while traveling in China. Unfortunately, where there are crowds, there can also be pickpockets.

We’ve heard claims of theft happening at transportation stations and on trains. It’s also not uncommon to hear reports of pickpocketing around major attractions located in some of the larger cities like Shanghai, Guangzhou, Xian, and Guiyang.

Before you leave the United States, make sure to review our tips for protecting yourself from petty crime in China. Be aware of your surroundings and avoid putting anything valuable in your back pockets.

If you’re robbed, make sure you file a police report. You’ll need that if you make a claim.

Travel insurance for canceled, interrupted, or delayed trips to China

What happens if you get sick a few days before leaving for China? If your doctor tells you not to leave the US at that time, you could be forced to cancel your trip. Your travel insurance for China plan includes cancellation coverage and could reimburse you for those non-refundable flights, hotels, and activities you paid for in advance.

Sometimes situations happen that can disrupt your plans once you’re already in China. If there’s an unexpected landslide, it could prevent you from continuing on with your planned activities.

If you have travel insurance for China, and something unexpected happens that causes you to cancel, delay, or interrupt your trip, you may be able to recover your unused, prepaid, non-refundable travel expenses.

If you want an additional safety net for your trip, consider purchasing CFAR (cancel for any reason) as an add-on benefit to your Explorer or Epic Plan. You must purchase this during the time sensitive period. Whether you simply change your mind or need to cancel your vacation for any reason not covered by the insurance plan, CFAR allows you to cancel and get back a portion of your prepaid, non-refundable trip expenses, whether that be a cruise or a cultural excursion.

Tips for traveling to China from the United States

Before you leave the US, we encourage you to check out the US government’s safety warnings for China. Weather, safety, and political situations can change at any time, and this is where they list their up-to-date warnings.

Watch out for some of the scams in China like counterfeit Chinese money. Try to carry smaller denominations or only pay with exact change to avoid getting fake money in return.

If you purchase travel insurance for China, it’s always a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens.

Before you head off on your trip, try to learn how to speak a few Mandarin phrases. In certain areas of China, you won’t find people that know how to speak English. You may also want to download our China Travel Safety Guide.

*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams 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?

Contact the team
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Kayaking and Rafting Travel Insurance Coverage

US Residents can protect their trips on the water with travel insurance

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At a glance:

  • All World Nomads plans may cover losses from kayaking and whitewater rafting, with some plans that offer higher limits of coverage.
  • Coverage for injuries if you're seriously hurt while kayaking or rafting, plus transportation if you’re hurt on a remote river, and your condition is severe, acute, or life threatening and adequate medical treatment is not available in your immediate area. Additional terms apply. 
  • Reimbursement for canceled tours, delays, or interruptions due to covered events — whether it's a missed whitewater rafting trip or a multi-day kayaking tour.
  • 24/7 Non-Insurance Global Help: Access to emergency assistance anytime, on any river, lake, trail or road.


For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.

From kayaking alongside glaciers in Alaska to whitewater rafting down the Balsa River in Costa Rica, there are plenty of ways to have fun on the water with a kayaking or rafting adventure. Our travel protection plans include a range of travel insurance benefits for kayaking and rafting that may help with everything from stolen bags to unexpected medical expenses while traveling.

Why should I consider travel insurance for my kayaking or whitewater rafting trip?

Nobody goes whitewater rafting with the intention of falling out of their raft, but it can happen. Even on a leisurely kayaking trip, the unexpected could happen like a sprained muscle or heat exhaustion that requires medical attention. Travel insurance and non-insurance services designed for kayaking and rafting may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently – whether you're navigating rapids or calm waters.

Travel insurance and non-insurance services for kayaking and rafting: What may be covered?

As paddlers ourselves, we’ve designed our plans that may cover kayaking and rafting while traveling. We also offer coverage for losses related to more than 250 other sports, activities and experiences.

  1. Emergency Medical Expenses
    For broken bones, cuts, and sprains after a kayaking or rafting accident

  2. 24/7 Non-insurance Emergency Assistance
    Available 24/7 to assist in an emergency situation, on or off the river

  3. Baggage & Gear Coverage
    Reimbursement for damaged or stolen paddling gear, or swimsuits packed in lost checked luggage

  4. Trip Delays, Interruptions & Cancellations
    A money-saver if inclement weather throws a wrench into your plans.

Terms, conditions, and limitations apply to all coverage mentioned.

NOMADS TIP: Depending on the plan purchased, consider the optional ‘Cancel for Any Reason’ benefit for added flexibility and protection for shifting plans. Optional benefits come at an additional cost; CFAR not available in NY. 

All plans also include several additional non-insurance services that may support you both before and during your trip. These include delayed or lost baggage tracking and delivery, portable health records, and pre-departure telehealth services that may support you both before and during your trip.

Get a quote  and compare the plans to see which level of coverage is right for you.

What level of travel insurance coverage do I need for my kayaking and rafting trip?

World Nomads offers four plans for US residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even if your main goal is to go kayaking or whitewater rafting, you’ll probably be doing other fun things like snorkeling or swimming. That’s totally fine, because you may be covered for more than 250 other sports, activities and experiences.

  • The Standard and Annual plans include travel insurance coverage for kayaking, sea kayaking, and sea canoeing, as well as whitewater rafting and kayaking. Black water rafting, cave tubing, hydrospeeding, and riverboarding are also covered for grades/classes 1-5. 
  • The Explorer plan covers more activities, including cave diving (to 165 feet/50 meters) and skydiving. It also has higher maximum amounts.
  • The Epic plan covers everything the Explorer plan covers, plus even more activities – including deep water soloing and using a jet pack. It also has the highest limits of coverage. 

Get a travel insurance quote

Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.

Get a quote
A group of people white water rafting

What may not be covered when kayaking or whitewater rafting?

  • Kayaking or whitewater rafting under the influence of drugs or alcohol
  • Unattended baggage, sporting equipment or personal items
  • Kayaking, rafting, or traveling within 100 miles of your home
  • Any Class 6 kayaking or rafting trips 
  • Rafting or kayaking against medical advice 

Top safety tips we recommend for your kayaking or whitewater rafting trip

  • Research your tour operator: If you’re going on a kayaking or whitewater rafting excursion, research the tour company’s credentials ahead of time. 
  • Know your own limitations: Kayaking and whitewater rafting are physically demanding, so make sure you’re up to it. If you have any concerns, talk to your doctor ahead of time, and make sure you plan a trip within your own skill level. If you decide to go kayaking or rafting after your doctor has told you not to, and then get hurt, you may not covered by your kayaking and rafting travel insurance benefits.
  • Wear a life jacket: Think less about your tan lines, and more about your safety. Accidents can happen at any time, and if you fall out of your kayak or raft, you may not have time to grab that if you unexpectedly go overboard. 
  • Don’t drink and paddle: Alcohol doesn’t mix well with kayaking and whitewater rafting, and being impaired could increase your risk of an accident. If you’re drinking and paddling, you also may not have travel insurance coverage for kayaking or rafting if something does happen. You can toast to a great day on the water after your paddling trip, but not before. 
  • Get a good dry bag to hold a copy of the documents showing your kayaking and whitewater rafting travel insurance coverage: If an accident happens, you’ll want that handy – and dry. Make sure you have the phone number for the 24/7 non-insurance Emergency Assistance Team easily accessible, as well as your plan number. You may want to save that in your phone as well. 

FAQ

Here are our most frequently asked questions about cover for kayaking and rafting. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • Can kayaking be covered under World Nomads Travel Insurance?
    Yes, kayaking may be covered under all four plans offered by World Nomads Travel Insurance. This includes sea kayaking, sea canoeing, and whitewater kayaking, up to grade/class 5. If you want higher maximum amounts of coverage, you’ll want to consider the Explorer or Epic plan.
  • What types of incidents may be covered while kayaking or rafting abroad?
    If your trip is cancelled or interrupted due to an unforeseen, covered event, you may be able to recover your travel expenses (up to the maximum benefit amount), and this may include unused, pre-paid, non-refundable rafting or kayaking tours that you paid for in advance. If you fall out of your kayak or raft, get hurt, and require medical assistance, emergency medical expense coverage may come in handy in the case of an unexpected injury. You may also be covered for unplanned situations such as lost bags.
  • Can I purchase a plan after my trip starts?
    Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan online anytime, from anywhere in the world. World Nomads Travel Insurance for U.S. residents take effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage for a kayaking or whitewater rafting excursion, you’ll need to buy your plan at least the day before you need coverage.
  • Do I get my money back if I cancel a trip?

    Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, kayak rentals, whitewater rafting tours and accommodations if your trip is cancelled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add at an additional expense our optional cancel for any reason coverage when certain World Nomads plans are purchased. 

  • What happens if my bags are delayed?

    When you purchase travel insurance coverage for kayaking or rafting, baggage protection is also included. If your checked-in bags are delayed more than 12 hours on the way to your destination, your plan may reimburse you for essential, reasonable items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes a non-insurance service that can help track down your bag and get it delivered to you.

Need destination inspiration for your next kayaking or rafting trip?

Not sure where your next paddling adventure should take you? Check out some of our favorite places around the world to go kayaking and rafting and get destination-specific travel insurance tips to help you plan with confidence.

Ecuador Discoveries: Kayaking the Amazon

Kayaking in the Shadow of Giants in Southern Greenland

5 of the Best Places to Kayak Around the US

Whitewater Rafting in Nepal: 7 Best Places to Go

Canada Discoveries: Rafting the Exploits River

20250730-4693876. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Work emergency?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Accidentally injured?
  • Suddenly sick?
  • Need a hospital?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Ambulance transfers
  • Medevac flights
  • Medical escort services

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Stolen I.D.s
  • Checked-in sports equipment
  • Damaged luggage

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams 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?

Contact the team
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  1. World Nomads
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Bungee Jumping Travel Insurance Coverage

Learn how US Residents can bungee jump with confidence with travel insurance

    As featured in:

  • As featured in:

At a glance:

  • All World Nomads plans cover losses resulting from bungee jumping trips, with some plans that offer higher limits of coverage.
  • Emergency Medical Coverage may assist with medical costs and transport if you're seriously hurt while bungee jumping.
  • Our travel protection plans include transportation if your condition is severe, acute, or life-threatening and adequate treatment is not available in your immediate area. Additional terms apply.
  • An optional Cancel for Any Reason upgrade is available on some plans (additional cost and state restrictions may apply.)

Maybe you’re taking the leap in New Zealand, the birthplace of commercial bungee jumping, or perhaps you want to be surrounded by the scenery of Costa Rica’s lush foliage when you make your first jump. Either way, it helps to always be prepared for the unexpected. If you’re planning an epic trip that includes bungee jumping, you may want to protect yourself with a travel protection plan that includes a range of travel insurance benefits and non-insurance services for bungee jumping. It may help with everything from stolen gear to unexpected medical expenses.

Why should I consider travel insurance for my bungee jumping trip?

Unexpected issues can mess up even the most carefully planned bungee jumping trips. An unexpected hurricane can put a halt to your jump, but adventure travel insurance and non-insurance services designed for bungee jumping may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently when you’re bungee jumping on a trip.

Travel insurance and non-insurance services for bungee jumping trips: What may be covered?

Bungee jumping can test you both physically and mentally – and as adrenaline-seekers ourselves, that’s part of what we love. Since unexpected situations can happen when bungee jumping though, we’ve designed coverage for losses resulting from bungee jumping while traveling. We also offer coverage for losses related to more than 250+ other sports, activities and experiences.

  1. Emergency Medical Expenses
    For injuries that happen when on your bungee jumping trip

  2. 24/7 Non-insurance Emergency Assistance
    Available 24/7 to assist in an emergency situation

  3. Baggage & Gear Coverage
    Damaged or stolen gear or luggage that is lost

  4. Trip Delays, Interruptions & Cancellations
    A money-saver if inclement weather keeps you from bungee jumping

Get a quote and compare the plans to see which level of coverage is right for you.

Terms, conditions, and limitations apply to all mentioned coverages.

All plans include adventure travel insurance coverage for bungee jumping, as well as several additional non-insurance services that may support you both before and during your trip. These include delayed or lost baggage tracking and delivery, portable health records and pre-departure telehealth services.

What level of travel insurance coverage do I need for my bungee jumping trip?

World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even when your main goal is to go bungee jumping, you may want to do other fun things when traveling too, like rock climbing or zip lining. That’s totally fine, because you may be covered for more than 250+ other sports, activities and experiences when you purchase a travel protection plan that includes extreme sports travel insurance coverage and non-insurance services.

  • Standard Plan – This is the most basic plan, but includes travel insurance coverage for incidents while bungee jumping. It includes up to $125,000 in emergency medical expenses and up to $2,500 for trip cancellation.
  • Explorer Plan – This plan also includes bungee jumping, plus even more activities – including skydiving. It also has higher limits of coverage for most benefits.
  • Epic Plan – This covers everything the Explorer plan covers, plus even more activities – including free soloing and cliff diving. It also has the highest benefit limits of coverage.
  • Annual Plan – If you’re planning multiple trips throughout the year, this plan may be for you. Just buy once and stay protected all year. It includes adventure travel insurance coverage for bungee jumping, as well as all of the other activities covered in the Standard Plan.

NOMADS TIP: For even more trip cancellation flexibility, check out the optional ‘Cancel for Any Reason’ benefit. It can be added to Explorer and Epic plans. Available at an additional cost for U.S. residents, except in New York.

Get a travel insurance quote

Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.

Get a quote
A man bungee jumping

What may not be covered when on your bungee jumping trip?

If you decide to throw back a couple of drinks to calm your nerves before your big jump – and then get hurt – you may not be covered. Your travel insurance coverage may not cover you if you get hurt when you’re under the influence of drugs or alcohol. Some other things that aren’t covered include:

  • Unattended baggage, gear or personal items
  • Not following ‘Do Not Travel’ warnings issued by the US government prior to departure
  • Participation in activities not listed in our 250+ sports, activities and experiences.
  • Ignoring your doctor if they have advised in writing that you are not medically fit to travel
  • Traveling or bungee jumping within 100 miles of your home

Top safety tips we recommend for your bungee jumping

  • Choose a reputable company. Take a look at their certifications, safety record and reviews.
  • Listen carefully to all instructions provided by your jump master.
  • Don’t try to show off. When you jump, don’t try to do flips or anything else that hasn’t been approved by the staff.
  • Take advantage of the pre-departure medical consultation included in your non-insurance services and see if there are any vaccinations or prescription medications, like altitude sickness pills, recommended for your destination. Depending on the medication, you may need to start it prior to your trip. 
  • Tell your jump master if you have any health concerns. Things like high blood pressure, heart conditions, dizziness, epilepsy, eye injuries, asthma, and neck, back, or spinal problems can make bungee jumping more risky.
  • Don’t drink and jump. Being under the influence of alcohol or drugs increases your chance of being injured.
  • Wear the right clothes. Comfortable clothing is recommended, but don’t wear anything loose.
  • If you have long hair, tie it back to keep it from getting tangled in equipment.
  • Check with the S. Department of State to see if they have issued any travel advisories for your destination.
  • Enroll in the free Smart Traveler Enrollment Program (STEP) to stay updated on emergency situations.
  • Have a copy of your plan documents saved in your phone. Save the phone number for the 24/7 Non-insurance Emergency Assistance team and have that easily accessible as well.

FAQ

Here are our most frequently asked questions about cover for bungee jumping. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • What should I do if I get hurt while bungee jumping?

    If you get hurt while bungee jumping, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help reimburse the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval.) Access to a 24/7 Non-Insurance Emergency Assistance team is also included for support anytime, anywhere when you purchase a travel protection plan that includes travel insurance coverage for extreme sports.

  • Do I get my money back if I cancel a trip?

    Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, tours and accommodations if your trip is cancelled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add additional cancel for any reason coverage when certain World Nomads plans are purchased.

  • What happens if my bags are delayed?
    When you purchase travel insurance for extreme sports trips, baggage coverage is also included. If your checked-in bags are delayed more than 12 consecutive hours on the way to your destination, your plan may reimburse you for reasonable essential items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance service that can help track down your bag and get it delivered to you.

Need destination inspiration for your next bungee jumping trip?

Ready to jump, but not sure where to go? There are plenty of great spots around the world to experience bungee jumping. Check out a couple of our favorite locations and get destination-specific travel insurance tips to help you plan with confidence.

New Zealand: Auckland

Africa: Victoria Falls

China: Macau Tower

20250929-4853600. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Work emergency?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Accidentally injured?
  • Suddenly sick?
  • Need a hospital?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Ambulance transfers
  • Medevac flights
  • Medical escort services

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Stolen I.D.s
  • Checked-in sports equipment
  • Damaged luggage

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams 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?

Contact the team
Photo © VichoT/IStock
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Travel Insurance Coverage for Mountain Biking Adventures

US Residents can ride prepared wherever the mountain biking trail leads

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Article at a glance:

  • Mountain biking travel insurance coverage may help cover emergency medical expenses, trip delays, and stolen or damaged gear while riding trails around the world.
  • Coverage includes off-road mountain biking, BMX, snow biking—plus 250+ other adventure sports.
  • Emergency medical expenses, 24/7 non-insurance emergency assistance, and baggage protection are included in all World Nomads plans.
  • Choose from Standard, Explorer, Epic, or Annual plans to match your biking trip style, budget, and activities.
  • Stay safe with pre-trip health support, proper equipment checks, and licensed guides to help ensure your ride—and your insurance—goes smoothly.

For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.

Why should you consider travel insurance coverage for your mountain biking adventure

Mountain biking adventures are thrilling—but they can come with unexpected bumps and twists. That’s why World Nomads includes mountain biking in our list of 250+ covered adventure sports for US residents. If your biking trip leads to an injury or other emergency, our travel insurance coverage for mountain biking may help with medical expenses, evacuations, and trip interruptions. Some plans even let you add optional cancel for any reason coverage. Whether you're biking through the jungle in Costa Rica or exploring remote trails in Asia, the right coverage gives you peace of mind to ride hard, knowing you’re protected if the unexpected happens.

What types of biking adventures can be covered by World Nomads Travel Insurance?

World Nomads offers benefits for losses relating to:

  • On and off-road mountain biking
  • BMX
  • Snow biking (yes, that’s a thing!)
  • Unicycling is also covered!

Mountain biking travel insurance benefits and non-insurance services: What may be covered?

  1. Emergency Medical Expenses
    For broken bones, cuts, and sprains after an epic crash on the trail.

  2. Non-insurance Emergency Assistance
    Available 24/7 to assist in an emergency situation

  3. Baggage & Gear Coverage
    Damaged or stolen biking gear

  4. Trip Cancellation
    A money-saver if inclement weather throws a wrench into your plans

Get a quote and compare the plans to see which level of coverage is right for you.

At World Nomads, we know your mountain biking trip is about more than just the ride down the trail. That’s why our travel insurance and non-insurance services for mountain bikers also cover 250+ other adventure sports and experiences—from alpine hikes and rock climbing to zip-lining and white-water rafting. Whether you’re navigating rugged backcountry or adding extra thrills to your itinerary, we offer four travel insurance plans with different levels of insurance coverage to match your trip style, budget, and appetite for adventure. Be sure to check out our (lengthy!) list of covered activities to pick the plan that fits everything you’re planning to do.

*All coverage is subject to plan terms and conditions. Be sure you read and understand your plan documents. Any questions, just ask!

What level of travel insurance coverage do I need for my mountain bike trip?

  • Standard Plan – Best suited for backpackers, budget travelers and families. Includes up to $125,000 in emergency medical expenses and $2500 for trip cancellation. This is our most basic plan, but it packs a punch.
  • Explorer Plan – For those trips you’ll be talking about for years to come! Covers over 300 activities and offers the optional ‘Cancel for Any Reason’ (CFAR) benefit for ultimate flexibility.
  • Epic Plan – Checking that big trip off your bucket list? We’re talking safaris, cruises, luxury resorts… you name it! This plan offers our highest level of coverage for trips that are truly once in a lifetime.
  • Annual Plan – Weekend warriors, digital nomads, world explorers… this plan is for you. Just buy once and stay protected all year.

You can compare plans and coverage limits when you get a quote. Optional benefits come at an additional cost; CFAR not available in NY.

Get a travel insurance quote

Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.

Get a quote
A woman hiking in front of a snow capped mountain

What may not be covered when mountain biking?

While we can offer coverage for many losses relating to mountain biking, there are some things that may not be covered. These include, but are not limited to:

  • Participating in any activity or sport as a professional athlete.
  • Bicycles and other sporting equipment that are damaged while in use due to wear and tear.
  • Search-and-rescue missions.
  • Unattended baggage, sporting equipment or personal items.
  • Biking while under the influence of alcohol or drugs.

Top safety tips we recommend for your mountain biking adventure

  • Get bike fit: Mountain biking requires a certain amount of strength and stamina, and in some cases, the ability to handle altitude. Be sure you are physically capable of it. Consider using our non-insurance service telehealth partner for pre-trip medical support to get travel medicines, like altitude sickness pills or malaria medication, delivered to your door before you leave on your trip. Make sure your bike is set up correctly before you ride check the saddle, pedals, handlebars, brakes, and tire pressure.
  • Put your safety first: only go riding with professional, qualified, licensed, and reputable operators. If you don't, your coverage may be void. If something doesn't feel right, then don't go.
  • Keep your body loose and springy. Be prepared to stand up on the bike; doing this moves you with the bike and can help you avoid injury and accidents.

FAQ

Here are our most frequently asked questions about cover for hiking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • What is mountain biking travel insurance coverage, and why do I need it?
    Mountain biking travel insurance coverage helps cover unexpected events like injuries, medical emergencies, trip interruptions, or stolen gear during your biking adventure. Whether you're riding downhill trails or exploring remote backroads, having coverage can give you peace of mind when the unexpected happens.
  • What types of travel protection plans are available for mountain bikers?

    World Nomads offers four plans tailored to your adventure style and budget:

    • Standard Plan – Great for budget-conscious riders.
    • Explorer Plan – Includes more extreme activities with CFAR (Cancel For Any Reason) as an optional addition. Not available to residents of NY and available at an additional cost.
    • Epic Plan – Best for once-in-a-lifetime trips with high maximum amounts.
    • Annual Plan – Ideal for frequent travelers or digital nomads.

Need destination inspiration for your next mountain biking adventure?

Check out our handy guides and insider travel tips on the best places to go mountain biking:

This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams 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?

Contact the team
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Travel Insurance for New Zealand

Water sports, snow sports, hiking, and biking, learn why Americans should protect themselves with travel insurance for New Zealand.

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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.

At a glance:

  • Travel insurance benefits for New Zealand may include trip cancellation, delay, and interruption
  • Coverage for medical emergencies, medical evacuation, and natural disasters while abroad
  • Protection for lost, stolen, or delayed baggage and personal belongings
  • Coverage for 250+ adventure and sports activities across New Zealand (high-altitude hiking and bungee jumping included!)
  • Optional Cancel For Any Reason (CFAR) upgrade for extra flexibility. Additional terms apply

From the waterfalls of Fjordland, to the Westland rainforests and the glacial peaks of Mount Cook, New Zealand is a dream vacation spot for many Americans.

The northland region’s Bay of Islands gives you the chance to island hop between over 100 islands, but you may also want to rent a campervan and trek over to Mount Parihaka to take in the picturesque panoramic views.

If you’re exploring Te Waipounamu (the South Island), check out the majestic Blue Pools of Makarora. The South Island has its share of phenomenal hiking opportunities and scenic cycling routes.

While a trip to New Zealand is an amazing experience, there are some things to be aware of. With everything from earthquakes to parasites, our nomads have learned some things along the way. We encourage you to check out our team’s insights on things to know about New Zealand before you go— and consider investing in travel insurance* for New Zealand.

Do I need travel insurance for New Zealand?

Even though you can book all your excursions in advance for your New Zealand adventure, what you can’t plan for are the unexpected things that may happen along the way.

With any overseas travel, there’s always going to be some things you can’t anticipate - like canceled trips, delayed baggage, and medical emergencies. If you tumble off your sand board and break a leg, your travel insurance for New Zealand could help you get the medical care you need.

Unexpected natural disasters could also put a halt to your plans. New Zealand is in an active seismic zone, and earthquakes and volcanic eruptions can happen there. If your trip to Tongariro National Park is canceled because Mount Ruapehu unexpectedly erupts and the US Government issues an advisory against travel to a destination, country, or region listed on the itinerary of your insured trip or the natural disaster makes it impossible for you to occupy your destination residence, your travel insurance for New Zealand could assist with reimbursing you for prepaid, non-refundable expenses for things like hotels and excursions.

There are four plans to select from. Compare the options to determine the best international travel insurance for your needs.

Travel insurance for activities in New Zealand

Since New Zealand is the birthplace of commercial bungee jumping, we know you may want to take that leap while you’re there. World Nomads covers more than 250 activities for Americans traveling to New Zealand- including bungee jumping.

In a country surrounded by water, you’ll probably be having some aquatic fun as well. Things like scuba diving, kayaking, surfing, and rafting on the Rangitata Gorge could be covered too.

It’s best to have a rough idea of your planned activities. Different plans cover different activities. By knowing your activities and adventures in advance, you’ll be able to purchase the best insurance plan for your trip. While a bungee jump off Kawarau Bridge is covered by all plans, if you’d rather make the leap from the plane and skydive over scenic spots like Fox Glacier or Mount Cook, you’ll need to upgrade to the Explorer or Epic Plan.

Travel insurance for medical emergencies in New Zealand

Our nomads agree that one of their favorite must-do activities in New Zealand is glacier walking.

The Haupapa/Tasman glacier is New Zealand’s longest glacier and is located in Aoraki/Mount Cook National Park on Te Waipounamu/ the South Island. Never venture out onto a glacier alone. Instead, we recommend choosing an eco-friendly tour operator and taking a guided tour.

While the coolness of glacier walking can’t be denied, anytime you’re walking on slippery ice, accidents can happen. If you lose your footing, slide, and fall into a crevasse, you could end up with injuries.

Travel insurance for New Zealand offers coverage for emergency medical expenses because of an injury, unexpected sickness, or death occurring on your trip, including emergency medical care and ambulance transportation.

Should you have a medical emergency when traveling to New Zealand, contact the 24/7 emergency assistance team prior to seeking medical attention. If your medical conditions prevent you from calling, call as soon as medically possible or have someone call on your behalf. Also remember to save all paperwork and receipts.

If your treating physician (and the 24/7 emergency assistance team) recommends that you return home because of your medical condition, World Nomads travel insurance for New Zealand includes coverage for emergency evacuation and repatriation.

To streamline your experience seeking medical care in New Zealand, sign up for our Portable Health Records service before your trip. This non-insurance service is included in all plans and allows documents, prescriptions, test results, and emergency contacts to be accessible in one place, anywhere in the world. Whether you need to refill a prescription or deal with a more serious injury, this service can expedite the process.

Travel insurance for lost bags in New Zealand

You may have packed your new snorkel and mask in your checked bag if you plan to visit Goat Island Marine Reserve. If you get to Auckland and your bag doesn’t, your travel insurance for New Zealand may reimburse you for the cost to replace your snorkel, mask, and other baggage.

The bag may have just taken a detour and will eventually make its way to you before your snorkeling excursion. If this happens, and your delayed bag is 12 or more hours late, you may be eligible to be reimbursed for the expenses you incur for a change of clothes and toiletries.

If that reunion never happens, the first step is to contact the airline to try and track down your bag. If the airline isn’t able to help you locate your lost bag, the second step is to contact the Delayed or Lost Baggage Tracking and Delivery service, which is another of our non-insurance service partners. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.

Travel insurance for canceled, interrupted, or delayed trips to New Zealand

You’ve put in the time to plan the perfect getaway to New Zealand, but sometimes things happen that can derail your plans.

If your travel companion unexpectedly gets sick before you leave the US, a doctor may tell him or her not to travel to New Zealand at that time. Your travel insurance for New Zealand includes trip cancellation coverage that may reimburse you for your non-refundable flights, hotels, and pre-paid activities.

Unexpected things can also happen once you are in New Zealand. If there are storms back home and you get a call that a tornado has destroyed your house, you may need to cut your trip short and go home to deal with that. Or perhaps an unannounced airline strike or a work emergency delays or interrupts your trip. Travel insurance for New Zealand helps you recover your unused, prepaid, non-refundable travel expenses if the reason is covered under the plan.

Tips for traveling to New Zealand from the United States

Before you leave the United States, we encourage you to check out the US government’s safety warnings for New Zealand to review their up-to-date warnings on any advisories.

New Zealand has unpredictable weather. The sun can be brutal, so make sure to always wear sunscreen. Pay attention to the weather forecasts. Weather can change quickly in New Zealand so even if the forecast shows nothing but sunny days, make sure you're prepared for strong winds and potential rain.

Remember the numbers 111. That's the emergency service number you can call if you need help from the police, fire department, or an ambulance when you’re in New Zealand.

If you purchase travel insurance for New Zealand, it’s always a good idea to save the 24/7 Emergency Assistance phone number and your policy number in your cell phone so you don’t have to search for that if an emergency happens.

Most Americans traveling to New Zealand have no problems at all, but since disasters like earthquakes and volcanoes are possible there, make sure to check out our information about what you need to know about natural hazards in New Zealand.

*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalized?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medevac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams 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?

Contact the team
Photo © South_agency/Getty Images
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Volunteering Travel Insurance Plans

Canadian Residents Can Protect Their Volunteer Trips with Travel Insurance

    As featured in:

  • As featured in:

At a glance:

  • World Nomads plans may provide coverage for your volunteering roles involving childcare, teaching, office work, or WWOOFING (general farm work, fruit picking, manual work), with the ability to pay an extra premium and be covered for additional activities involving manual work with power tools or volunteering as a scuba diving, ski, or snowboarding instructor 
  • Coverage for injuries and medical transport if you're seriously hurt while volunteering
  • Reimbursement for cancelled tours, delays, or interruptions due to covered events
  • Access to emergency assistance anytime, anywhere.

We love seeing our nomads give back and help make the world a better place. If you have travel insurance coverage for New Zealand, you may want to volunteer at an organic farm. You may also feel led to teach English in Cambodia or help with reforestation in Madagascar. But even when you set forth with the best intentions, you should be prepared for the unexpected. If you’ll be volunteering while travelling, you may want to protect your adventure with World Nomads Travel Insurance. Our travel insurance plans include a range of benefits that could help with everything from stolen bags to unexpected medical expenses.

Why should Canadians consider travel insurance for a volunteer trip abroad?

From animal bites in Australia to a horrible case of food poisoning in Europe, unexpected issues can derail even the most carefully planned volunteer trip. Travel insurance designed for volunteering may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently – whether you're protecting endangered turtle hatching grounds or teaching children in a faraway village.

Nomads tip: Each policy includes a '10-Day Right to Examine' period, giving you time after purchase to review the details, making sure the coverage works for you. If you're unsatisfied for any reason, you can cancel the policy and receive a full refund.

Volunteering travel insurance: What may be covered?

We love giving back and having opportunities to change the world, so we’ve designed our plans to include travel insurance for volunteering. We also offer coverage for more than 250 other sports, activities and experiences.

  1. Emergency Medical Expenses
    For broken bones, cuts, and sprains when building houses

  2. 24/7 Emergency Assistance
    Available 24/7 to assist in an emergency situation

  3. Baggage & Gear Coverage
    Damaged or stolen gear when travelling to your overseas volunteer trip

  4. Trip Cancellations
    Travel protection for your pre-paid nonrefundable trip costs and unexpected expenses.

Get a quote and compare the plans to see which level of coverage is right for you.

What level of travel insurance coverage do I need for my volunteer trip?

World Nomads offers two plans for Canadian residents – the Standard and Explorer – each with different levels of coverage. 

  • Standard Plan – This is the most basic plan, but includes volunteer travel insurance with up to $5,000,000 CAD in emergency medical expenses and $2,500 for trip cancellation and trip interruption. 
  • Explorer Plan – This plan also covers volunteering, but has higher limits of coverage.

When you purchase your policy, you’ll need to list volunteering and all of the other activities that you plan to participate in while on your trip. Even if your main goal is to volunteer, you may want to do other fun things while you’re travelling like hiking, paddleboarding, or camping. That’s totally fine, because there’s over 250 other sports, activities and experiences that could be covered. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time. Costs may vary depending on the type of volunteering you’re doing, as well as the additional activities you list.

  • Level 1 Activities: Volunteering in roles involving childcare, teaching, office work, or WWOOFING (general farm work, fruit picking, manual work)
  • Level 2 Activities: Manual work that involves power tools and working at heights under 5 metres
  • Level 3 Activities: Volunteering as a ski, snowboard, or scuba diving instructor

If you’re not sure if your volunteer duties will be covered, or if you are planning to participate in an activity that isn’t listed in our policy wording, you will need to contact us to determine if you will be covered. 

Nomads tip: World Nomads Travel Insurance can also cover your volunteer trips within Canada! Your Government Health Plan is limited once you leave your province. Your travel insurance plan can protect your domestic travels outside of your home province too.

Get a travel insurance quote

Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.

Get a quote
A group of volunteers chatting

What may not be covered when volunteering while traveling?

If you plan a volunteer trip to help others in another country, we commend you and think that’s awesome. However, if the Canadian government issues ‘Do Not Travel’ warnings for your destination, and you decide to go anyway, you won’t be covered by your travel insurance for volunteering. Some other things that are not covered include:

  • Unattended baggage or personal items
  • Participation in other activities not listed as covered in your policy
  • Ignoring your doctor if they have explicitly advised you not to travel to a particular destination or perform certain volunteer duties 
  • Not following government ‘Do Not Travel’ advisories issued by the Canadian government
  • Operating machinery
  • Working with dangerous animals or big game
  • Working at heights over 5 metres
  • Volunteering on offshore rigs, underground or caves

Top safety tips we recommend for volunteering

  • Research the organization you’ll be volunteering with to make sure they’re reputable. You’ll want to confirm they have a clear mission, vision, and values. It’s also not a bad idea to look for reviews from others who have worked with them. 
  • Understand what your duties are before you go, and make sure you’re aware of any risks associated with those. You’ll also want to make sure all activities are covered by your travel insurance coverage for volunteering abroad. 
  • No matter what volunteer service you’re providing, make sure you receive proper training, as that reduces your chance of injuries or accidents. 
  • Take along a copy of the documents showing your travel insurance coverage for volunteering. You may even want to save a copy in your phone so it is easily accessible. 
  • Check with the Public Health Agency of Canada to see if they have issued any travel health notices for your destination.  
  • Register with Canadians Abroad to stay updated on emergency situations. 

FAQ

Here are our most frequently asked questions about cover for volunteering. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • Is volunteering covered under World Nomads Travel Insurance?

    Yes, depending on your specific volunteer duties, volunteering may be covered under both plans offered by World Nomads Travel Insurance, but make sure you list this as an activity you’ll be participating in when you purchase your policy. Volunteering in roles involving childcare, teaching, office work, and WWOOFING (general farm work, fruit picking, manual work) are considered Level 1 activities and are automatically covered, but you’ll still need to list these as activities when you purchase your volunteering travel insurance policy. However, you’ll need to pay an additional premium to be covered for any Level 2 activities like manual work that involves power tools and working at heights under 5 metres, and Level 3 activities like volunteering as a ski, snowboard, or scuba diving instructor. If you aren’t sure if something is covered, we suggest you contact us to ask.

  • What types of incidents are covered while volunteering abroad?

    If your trip is cancelled, delayed, or interrupted due to an unforeseen event, you may be able to recover your non-refundable, prepaid travel expenses (up to the policy limits), and this could include unused, pre-paid, non-refundable tours that you paid for in advance. If you get cut while planting coral in the Caribbean and you require medical assistance, emergency expense medical coverage could come in handy in the case of an unexpected injury. You could also be covered for unplanned situations such as lost bags or Canadian government travel advisories advising travellers not to travel to a destination on your itinerary. 

  • What type of volunteer work is included in my volunteering travel insurance?

    Volunteering in roles involving childcare, teaching, office work, and WWOOFING (general farm work, fruit picking, manual work) are considered Level 1 activities and are automatically covered, but you’ll still need to list these as activities when you purchase your volunteering travel insurance policy. However, you’ll need to pay an additional premium to be covered for any Level 2 activities like manual work that involves power tools and working at heights under 5 metres, and Level 3 activities like volunteering as a ski, snowboard, or scuba diving instructor. If you aren’t sure if something is covered, we suggest you contact us to ask.

Need destination inspiration for your next volunteer trip?

Not sure where you can travel and volunteer? Check out some of our favorite ways to give back around the world and get destination-specific travel insurance tips to help you plan with confidence.

Argentina: Opportunities for Cultural Immersion

What’s It Like to be a Sea Turtle Conservation Volunteer? 

Beyond Machu Picchu: Exploring Peru’s Other Ancient Sites

The Real Hawaii: Slow Travel on Moloka’i and Lanai

How to Volunteer Overseas Without Breaking the Bank

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Work emergency?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Accidentally injured?
  • Suddenly sick?
  • Need a hospital?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Ambulance transfers
  • Medevac flights
  • Medical escort services

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Stolen I.D.s
  • Checked-in sports equipment
  • Damaged luggage

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams 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?

Contact the team
Photo © South_agency/Getty Images
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Volunteering Travel Insurance Coverage

US residents can protect their good deeds while traveling

    As featured in:

  • As featured in:

At a glance:

  • World Nomads plans may cover volunteering in roles involving childcare, teaching, environmental or conservation work, wildlife or animal care, and WWOOFing (general farm work, fruit picking, and manual work), with some plans that include additional volunteer roles and higher limits of coverage.
  • Coverage may include reimbursement for injuries and medical transport if you're seriously hurt while on your volunteering trip.
  • Gear and luggage benefits may help cover lost, stolen, or damaged baggage as you travel to your volunteer opportunity.
  • Plus, optional Cancel for Any Reason upgrade available on some plans (additional cost and state restrictions may apply.)


For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.

We love seeing our nomads give back and help make the world a better place. If you have travel insurance coverage for Costa Rica, you may want to volunteer at a wildlife sanctuary while you’re there. You may also feel led to teach English in Cambodia or help with reforestation in Madagascar. But even when you set forth with the best intentions, you should be prepared for the unexpected. Our travel protection plans include a range of travel insurance benefits and non-insurance services for volunteering that may help with everything from stolen bags to unexpected medical expenses.

Why should I consider travel insurance for my volunteer trip?

From animal bites to food poisoning in a remote village, unexpected issues can derail even the most carefully planned volunteer trip. Travel insurance and non-insurance services designed for volunteering may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently – whether you're volunteering on an organic farm in the Amazon or helping with environmental conservation projects in South Africa.

Travel insurance and non-insurance services for volunteering: What may be covered?

We love giving back and having opportunities to change the world, so we’ve designed coverage for losses resulting from volunteering while traveling. We also offer coverage for losses related to more than 250+ other sports, activities and experiences.

  1. Emergency Medical Expenses
    For broken bones, cuts, and sprains when building houses

  2. Non-insurance Emergency Assistance
    Available 24/7 to assist in an emergency situation

  3. Baggage & Gear Coverage
    Damaged or stolen gear or luggage that is lost in transit

  4. Trip Delays, Interruptions & Cancellations
    A money-saver if inclement weather keeps you from traveling for your volunteer work.

Get a quote and compare the plans to see which level of coverage is right for you.

What level of travel insurance coverage do I need for my volunteer trip abroad?

World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. You’ll want to make sure you have the correct coverage based on your specific volunteer duties. Also, you may want to do other fun things while you’re traveling such as hiking, paddleboarding, or camping. That’s totally fine, because you may be covered for more than 250+ other sports, activities and experiences when you purchase travel insurance coverage for volunteering.

  • Standard Plan – This is the most basic plan, but includes travel insurance coverage for incidents while volunteering in roles involving childcare, teaching, environmental or conservation work, wildlife or animal care, and WWOOFing (general farm work, fruit picking, and manual work.) This plan includes up to $125,000 in emergency medical expenses and up to $2,500 for trip cancellation. 
  • Explorer Plan – This plan covers more activities, including construction or renovation work (manual work involving painting, using power tools, operating machinery, roadwork, and working at height), volunteering in roles that involve high risk work (such as offshore, underground or caves, and commercial diving), disaster relief, NGO support, and volunteering as a ski instructor or in medical and health care services. It also has higher limits of coverage for most benefits.
  • Epic Plan – This plan covers everything the Explorer Plan covers, plus even more activities – like serving as a pilot or crew of an aircraft. It also has the highest benefit limits of coverage. 
  • Annual Plan – Weekend warriors, digital nomads, world explorers… this plan is for you. Just buy once and stay protected all year. It includes travel insurance coverage for volunteering, as well as all of the other activities and experiences that are covered in the Standard Plan.

NOMADS TIP: For even more trip cancellation flexibility, check out the optional ‘Cancel for Any Reason’ benefit. It can be added to Explorer and Epic plans. Available at an additional cost for U.S. residents, except in New York.

Get a travel insurance quote

Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.

Get a quote
A group of volunteers chatting

What may not be covered when volunteering while traveling?

We love that you’ve planned a volunteer trip to help others in another country, and commend you for your efforts. However, if the U.S. government issues ‘Do Not Travel’ warnings for your destination, and you decide to go anyway, the travel insurance coverage for volunteering that’s included in your travel protection plan may not cover you. Some other things that are not covered include:

  • Unattended baggage, sporting equipment, or personal items
  • Participation in other activities not listed as covered in your policy
  • Ignoring your doctor if they have explicitly advised you not to travel to a particular destination or do certain volunteer work 
  • Volunteering within 100 miles of your home 

Top safety tips we recommend for your volunteer trip

  • Research the organization you’ll be volunteering with to make sure they’re reputable. You’ll want to confirm they have a clear mission, vision, and values. It’s also not a bad idea to look for reviews from others who have worked with them. 
  • Understand what your duties are before you go, and make sure you’re aware of any risks associated with those. You’ll also want to make sure all activities are covered by your travel insurance coverage for volunteering abroad. 
  • No matter what volunteer service you’re providing, make sure you receive proper training, as that reduces your chance of injuries or accidents. 
  • Take along a copy of the documents showing your travel insurance coverage for volunteering. You may even want to save a copy in your phone so it is easily accessible. 
  • Check with the U.S. Department of State to see if they have issued any travel advisories for your destination. 
  • Enroll in the free Smart Traveler Enrollment Program (STEP) to stay updated on emergency situations. 

FAQ

Here are our most frequently asked questions about cover for volunteering. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • Can a volunteer trip abroad be covered under World Nomads Travel Insurance?

    Yes, volunteering may be covered under all four plans offered by World Nomads Travel Insurance. The Standard and Annual Plans include travel insurance coverage for volunteering in roles that involve childcare, teaching, environmental or conservation work, wildlife or animal care, and WWOOFing (general farm work, fruit picking, and manual work.) The Explorer Plan covers more activities including construction or renovation work (manual work involving painting, using power tools, operating machinery, roadwork, and working at height), volunteering in roles that involve high risk work (such as offshore, underground or caves, and commercial diving), disaster relief, NGO support, and volunteering as a ski instructor or in medical and health care services. The Epic Plan covers everything the Explorer Plan covers, plus even more activities – like serving as a pilot or crew of an aircraft. It also has the highest benefit limits of coverage. 

    If you’re not sure if your volunteer duties can be covered, you can contact us and ask. 

  • What type of volunteer work is included in my trip protection plan?

    World Nomads offers travel protection plans that include non-insurance services, as well as travel insurance coverage for volunteering. The Standard Plan includes travel insurance coverage for volunteering in roles involving childcare, teaching, environmental or conservation work, wildlife or animal care, and WWOOFing (general farm work, fruit picking, and manual work.) The Explorer Plan covers more activities including construction or renovation work (manual work involving painting, using power tools, operating machinery, roadwork, and working at height), volunteering in roles that involve high risk work (such as offshore, underground or caves, and commercial diving), disaster relief, NGO support, and volunteering as a ski instructor or in medical and health care services. The Epic Plan covers everything the Explorer Plan covers, plus even more activities – like serving as a pilot or crew of an aircraft. It also has the highest benefit limits of coverage. If you’re not sure if your volunteer duties are covered, you can contact us and ask. 

  • What should I do if I get hurt while I’m volunteering?

    If you get hurt while you're volunteering, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help cover the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval.) Access to a 24/7 Non-Insurance Emergency Assistance team is also included for support anytime, anywhere when you purchase a travel protection plan that includes travel insurance coverage for your volunteering trip. 

  • Do I get my money back if I cancel a trip?

    Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, tours and accommodations if your trip is cancelled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add additional cancel for any reason coverage when certain World Nomads plans are purchased. 

  • What happens if my bags are delayed?
    When you purchase travel insurance coverage for volunteering, baggage coverage is also included. If your checked-in bags are delayed more than 12 consecutive hours on the way to your destination, your plan may reimburse you for reasonable essential items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance service that can help track down your bag and get it delivered to you.

Need destination inspiration for your next volunteer trip?

Not sure where you can travel and volunteer? Check out some of our favorite ways to give back around the world and get destination-specific travel insurance tips to help you plan with confidence.

Argentina: Opportunities for Cultural Immersion

What’s It Like to be a Sea Turtle Conservation Volunteer? 

Beyond Machu Picchu: Exploring Peru’s Other Ancient Sites

The Real Hawaii: Slow Travel on Moloka’i and Lanai

How to Volunteer Overseas Without Breaking the Bank

20250821-4760264. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Work emergency?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Accidentally injured?
  • Suddenly sick?
  • Need a hospital?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Ambulance transfers
  • Medevac flights
  • Medical escort services

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Stolen I.D.s
  • Checked-in sports equipment
  • Damaged luggage

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams 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?

Contact the team
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Top travel insurance tips to know before you go

Good insurance begins a long way from the departure lounge

    As featured in:

  • As featured in:

Whether or not you're a boy scout, there's wisdom in the maxim 'be prepared.' This is possibly even truer when adventuring abroad. Carry a first-aid kit. Research local etiquette and customs. Learn some of the language. And most importantly take the time to understand your travel insurance policy and what to do in case you need to use it.

Tip 1: Check if your favorite adventure activity is covered by your policy

World Nomads covers more than 150 adventure sports, activities and experiences. But some activities are more dangerous than others and may not be covered.

Upgrade required?

Depending on your Country of Residence, you may need to include an insurance upgrade when you buy to have cover for some activities. If you don't have the right level of coverage, you won't be able to claim if something goes wrong.

Get it right when you buy

The time to add upgrades or activities is when you purchase your travel insurance – you can't do it afterwards. So if you decide to detour to the ski slopes, make sure you have the policy to match.

What's not covered?

Some activities aren't covered at all. Your policy has the full list, but common sense can help: long walks along the beach – generally OK; dive-bombing to the depths of the Mariana Trench without your flippers – probably not. If you're unsure whether an activity is covered, contact us.

Read your policy wording

Many activities have special conditions and exclusions. If you don't follow these you may void your coverage. These include safety gear requirements, terrain limitations, geographical boundaries and more. And then there's the issue of licenses…


Tip 2: You might need a license for that

Having the right level of coverage is just the beginning. Travelers from some parts of the world need to have valid licenses in their home country as well as at the destination to have insurance cover for some activities. Broadly, these include:

  • Driving rented vehicles, such as cars and motorbikes. For example, you may need to be a licensed motorbike rider at home to be covered to ride the same class of motorbike on holiday. Plus, you'll need to follow your country of residence's laws on safety gear too, such as helmets or safety belts.
  • Scuba diving. If coverage for this is available under your policy, you'll need to be pre-accredited for the dive you want to do.

So before you jump on that bike or strap on an oxygen tank, make sure you already have the permit and expertise.


Tip 3: Gear gone? Stuff stuffed? A little admin makes claiming a cakewalk

It's tough enough when your bags or belongings are stolen or damaged. Keep your claim's process as smooth as possible with some pre-trip prep.

Keep the paperwork for your gear

Save photos of your items and digital copies of receipts, valuations or proof of ownership to cloud storage or your email. It's a good idea to leave copies of any documents with someone at home too.

If something is stolen or damaged

Along with your ownership and value documents, get reports from the police and, if your checked-in luggage went missing in transit, from the carrier (such as the airline).

While this might seem time-consuming, we ask it of all our travelers to help combat baggage claim fraud. Unfortunately, this is the number one reason we have to increase premiums for everyone. And remember, any payments include depreciation of an item's value unless you've nominated it as a high-value/specified item and paid the extra premium.


Tip 4: There are some places travel insurance won't go

World Nomads provides coverage to more than 130 countries but not all. We exclude some places because they are too dangerous for you to go there and too expensive for us to cover.

A 'do not travel' advisory means exactly that.

Before you start booking flights and accommodation or paying deposits, check out the relevant government's travel advisory for your destination. If there's a 'do not travel' advisory or similar, we can't insure you to go there. Please keep in mind that these warnings change regularly and might affect your cover.

Other places we don't cover

Your policy may exclude other regions, such as polar areas or places with political instability. Government sanctions may also restrict us from paying claims in certain countries, so we can't pay expenses incurred there. When you get your quote, World Nomads' online purchase path will tell you if we can't cover your destination country(ies).

All of the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.


Tip 5: Stress less with added coverage for some Coronavirus (COVID-19) related events

With COVID-19 affecting our travel plans, it is more important than ever to know that you have access to coverage for some COVID-19-related events. Depending on your Country of Residence and the travel insurance plan you choose, you may also have access to:

  • Emergency medical coverage, evacuation and/or repatriation if you're diagnosed with COVID-19 while overseas;
  • Coverage for some additional COVID-19-related events such as cancellation following a diagnosis to assist our travelers on the Explorer Plan.

To find out what cover applies to you, read our What's Covered for Coronavirus article, which has all of the details, including benefit limits, conditions and exclusions.

Coverage depends on your Country of Residence and varies between plans.

Our policies aren't designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details so that there are no surprises if you need to use it. If you're not sure if something is covered get in touch.

What Does my Travel Insurance Cover?

Teeth hit the ground

I put my foot in a funny way while I was walking quickly because it was raining, I just fell unexpectedly to the floor my face first so I put my arm bad and broke the shoulder a little bit and hit the ground with my front teeth so the lip was in blood and one tooth broken.
Claim paid: USD $3441.64
P.R. Italian Nomad.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalized?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Suddenly sick?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams 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?

Contact the team
Photo © Mitiander/IStock
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Standard vs Explorer Plans

Why two travel insurance plans and what’s the difference?

    As featured in:

  • As featured in:

No two travelers are the same, so why should travel insurance be one-size-fits-all?

You might be at the ski lodge in Queenstown or Sapporo, and half your crew are heading to the café while you hit the slopes. Or maybe your sister always rents a car when she travels, while you prefer to bus it. World Nomads offers different plans with different levels of coverage so you can choose one to suit your needs.

Two plans to choose from

World Nomads offers two plans – a Standard Plan and an Explorer Plan – each with different benefits, limits and sub-limits of coverage.

Standard Plan: Includes a range of benefits such as overseas medical, coverage for your belongings, pre-trip cancellation and certain adventure activities.

Explorer Plan: Has all the benefits of a Standard Plan and a few more, and is more expensive to buy.

Please choose carefully from the outset, as you can’t upgrade from a Standard Plan to an Explorer Plan mid-trip. Depending on your Country of Residence, you may also need to add adventure activities to your quote as another type of coverage upgrade as you can’t add this mid-trip.

What are the differences between a Standard and an Explorer Plan?

This varies depending on your Country of Residence. Broadly speaking, though:

  • An Explorer Plan has benefits not available in the Standard Plan.
  • An Explorer Plan has higher benefit limits and/or sub-limits than the Standard Plan.

An easy way to see the differences is in the benefit summary when you get an instant online quote. The quote page will also tell you how much each plan costs and has links to the policy wording, which details the coverage in full.

Which plan should I choose?

That’s your decision to make. Ask yourself, how much cover will you need if something goes wrong? Only you know where you’re planning to go, how much you paid, what you’re planning to do, see and visit, and how your personal situation might influence your choice.

Am I covered for COVID-19 related events on both the Standard and Explorer plans?

The coverage you will have for Coronavirus (COVID-19) related events under our Standard and Explorer plans will depend on your Country of Residence. If you are diagnosed with COVID-19 while overseas, your benefits may include:

  • 24/7 access to our Emergency Assistance team, who can help you access local medical care;
  • Medical costs including hospitalization;
  • Evacuation or repatriation if deemed medically necessary by us and in consultation with your attending medical practitioner.

Some of our Explorer plans also offer cover for some additional COVID-19-related events such as cancellation following a diagnosis to assist our travelers.

To find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, conditions and exclusions.

Coverage depends on your Country of Residence and varies between plans.

Our policies aren’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.

Want all the details?

You can compare the Standard and Explorer plans and prices through getting an instant online quote.

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

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Come to a sticky end?
  • Called to jury duty?
  • Been made redundant?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need drugs?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • You or a family member dead?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams 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?

Contact the team
Photo © South_agency/Getty Images
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Travel Insurance for volunteering

Don't let your good deeds go uncovered.

    As featured in:

  • As featured in:

At World Nomads, our travel insurance allows you to participate in a range of volunteer activities and vacations, from summer teaching programs to clean water projects. We’re strong supporters of paying it forward and giving back — and what better way to strengthen communities, forge meaningful connections and open your eyes (and arms and hearts) than contributing to a worthy purpose?

Should I consider insurance when volunteering overseas?

If you’re planning to volunteer your time while traveling, World Nomads Travel Insurance may help when stepping on the plane to start your adventure. Travel insurance can cover you for issues you may encounter while on the road, such as medical issues, baggage theft or delay, and travel interruption.

friends working at table in non-profit organization
Friends volunteering. Photo: Getty images / Maskot

What's covered for volunteers?

Want to step out into the world and volunteer your time?

World Nomads plans may cover:

  • Trip cancellation
  • Trip interruption
  • Medical emergency care
  • Emergency evacuation
  • Baggage delay
  • Theft of baggage and personal belongings

A choice of policy and extras for your next holiday

Always make sure that you’ve selected the right travel insurance plan for your specific needs. World Nomads has two levels of cover - the Standard Plan and Explorer Plan - that offer different benefits, limits and sub-limits of coverage. It’s always good to spend time comparing the plans to see which one suits your travel needs.

You can get a quote, make a claim, or buy a policy instantly online, even while traveling.

What volunteer activities may I participate in?

The types of activities that are covered depend on your Country of Residence. Check your plan and policy wording to get more details. Examples of volunteering that could be covered include environmental and conservation work or teaching in literacy programs.

Sorting clothes at community service center
Sorting clothes at community service center. Photo: Getty images / Maskot

What’s not covered?

As a traveler who wants to do good while overseas, we can only assume doing good things is in your nature. But momentary lapses in judgement do happen so just to be clear, we won’t cover any incidents related to:

  • Alcohol or drug abuse
  • Reckless behavior
  • Criminal or illegal acts
  • Changing your mind
  • Pre-existing conditions unless specified by your policy

This is only a summary of coverage and does not include the full terms and conditions of the policy. You should read your policy wording in full so you understand what is and isn’t covered.

If haven’t yet chosen a volunteer program, you can find inspiration in our article about choosing ethical volunteer programs.

About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams 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?

Contact the team

FAQ

Here are our most frequently asked questions about volunteering. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.