Travel insurance for vacation rentals
Support for a canceled trip, stolen belongings, medical emergencies, and more
- As featured in:
As featured in:
- Why should you consider insurance when getting a vacation rental?
- Choosing the right policy for you
- What's covered by insurance when in a vacation rental?
- What's not covered?
- Tips to get the most out of your vacation rental?
Space, privacy, the comforts of a home away from home – renting a vacation home is a great way to really get to know a place, whether it’s a lakeside chalet in Switzerland or a studio in New York City. But sometimes booking from a private homeowner could add a layer of “What if?”
World Nomads travel insurance is here to help with the need-to-know details of our vacation rental coverage, so you can get on with your getaway.
Why you should consider insurance when get a vacation rental
There are lots of reasons to consider travel insurance and hopefully, the worst thing that happens when you’re staying at your rental is eating the free snacks too fast. But, if you find yourself in a pinch or experience an emergency, travel coverage can save your sanity.
Note: all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any optional extras or upgrades you add.
Choosing the right policy for you
It’s important to know that we offer two insurance plans – Standard and Explorer – each of which offers different levels of coverage and benefits. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific holiday plans.
Keep in mind that depending on your travel plans and Country of Residence, you may need to upgrade your policy to be covered for the activities and benefits you choose.
You can get a quote, make a claim, or buy a policy instantly online, even while traveling.
What's covered by insurance when in a vacation rental?
Some of the benefits on our policies for vacation rentals may include cover (up to policy limits) for:
If your trip is cancelled
If you have to cancel your vacation rental at the last second due to something such as an urgent illness, you may be able to recoup your pre-paid, non-refundable trip costs, including your accommodation.
If your gear is stolen
Did a thief break into your vacation rental while you were out at dinner and make off with your expensive laptop or brand new DSLR camera? Personal effects may be covered, up to their cash value at the time they got swiped. (Just be sure to file a police report and keep a copy for your claim and keep any copies or original receipts.)
If you have a medical emergency
You may be staying in a comfortable home, but if you suffer an illness or injury in a foreign place, it can be a daunting experience. If you need to see a doctor or go to the hospital, you can claim your medical bills; just be sure to contact our 24/7 Emergency Assistance team.
Our team is available 24 hours a day, 7 days a week, 365 days a year to help you if you experience any issues on your travels including helping you access medical care in your location, help with translation at the medical facility and arrange medical evacuation or repatriation if required.
If there is a natural disaster
Is a flood or forest fire standing between you and the vacation rental of your dreams? If the property has been destroyed or you’ve been prevented from staying there due to an unforeseen natural disaster, we’ve got a silver lining in the cloud for you: you may be reimbursed your pre-paid trip expenses (moolah you can save for your next adventure!).
Keep in mind that terms, conditions, exclusions, and limits apply, so be sure to check your policy wording carefully. If you’re not sure whether something is covered, or have any questions, just contact us.
What's not covered?
- Illegal activities and any incidents caused from being under the influence (partying is banned at most vacation rentals, anyway.)
- Loss of enjoyment. If the vacation rental doesn’t look exactly like it did in the pictures or has a weird smell, you may have to take Plan B into account and choose your second-choice place to stay, which will be on your own dime.
- If you travel against medical advice, or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
Tips to get the most out of your vacation rental
- Be sure to book your vacation rental home through a reputable source or website to avoid being scammed or turning up and there’s no vacation rental at all!
- Check the rules and fine print of the vacation rental. Many rental homes have rules about maximum occupancy, age requirements, party policies and pet policies. Understand what you’re agreeing to before you book.
- If something does happen on your trip – for example, your personal effects are stolen, you need to go to hospital, or your travel is delayed – make sure you get official reports, documentation, receipts and other relevant evidence to support any claims.
Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. If you’re not sure if something is covered, get in touch.
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)
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 teamKayaking and Rafting Travel Insurance Plans
Canadian Residents can protect their fun on the water with travel insurance
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As featured in:
At a glance:
- World Nomads plans may cover kayaking in inland/coastal waters and whitewater kayaking and rafting for grade/class 1-5, with the ability to pay an extra premium and be covered for sea kayaking outside coastal waters.
- Coverage for injuries and medical transport if you're seriously hurt while kayaking and rafting.
- Reimbursement for your non-refundable, prepaid rafting and kayaking tours if you need to cancel, plus coverage for trip delays or trip interruptions due to covered events.
- Gear & Baggage Protection helps cover lost, stolen, or damaged gear and luggage.
- Access to emergency assistance anytime, anywhere.
- Why should I consider travel insurance for my kayaking or whitewater rafting trip?
- Kayaking and rafting travel insurance: What may be covered?
- What level of travel insurance coverage do I need for my kayaking or whitewater rafting trip?
- What may not be covered when kayaking or rafting?
- Top safety tips we recommend for your kayaking or rafting trip
- FAQs
From kayaking alongside glaciers in Alaska to whitewater rafting down the Balsa River in Costa Rica, there’s 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.
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, you could sprain a muscle or get heat exhaustion. Travel insurance 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.Kayaking and rafting travel insurance: 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.
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Emergency Medical Expenses
For broken bones, cuts, and sprains after a kayaking or rafting accident -
24/7 Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation, on or off the river -
Baggage & Gear Coverage
Damaged or stolen paddling gear, or swimsuits that have gotten lost with your checked luggage -
Trip Delays, Interruptions & Cancellations
A money-saver if an unforeseen covered event throws a wrench into your plans
Terms, conditions, and limitations apply to all coverage mentioned.
What level of travel insurance coverage do I need for my kayaking or whitewater rafting trip?
World Nomads offers two plans for Canadian residents – the Standard and Explorer – each with different levels of coverage.
- The Standard plan includes travel insurance for kayaking, snow rafting, cave tubing, and sea kayaking. Whitewater rafting and kayaking, blackwater rafting, hydrospeeding, and river boarding for classes 1-5 are also included.
- The Explorer plan also covers these activities, but has higher limits of coverage.
When you purchase your policy, you’ll need to list kayaking, rafting, and all of the other activities that you plan to participate in while on your trip. There’s over 250 other sports, activities and experiences that may 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.
Kayaking in inland/coastal waters (within three nautical miles of shore), snow rafting, and cave tubing are considered Level 1 activities. Whitewater and blackwater rafting, hydrospeeding, and river boarding for grades/classes 1-5 are too. All Level 1 activities are automatically covered, but you’ll still need to list them when you purchase your policy. However, you will need to pay an additional premium to be covered for Level 2 and Level 3 activities like sea kayaking and swimming outside of coastal waters. 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.
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
What may not be covered when kayaking and rafting?
- Kayaking or whitewater rafting under the influence of drugs or alcohol
- Unattended baggage, sporting equipment or personal items
- Kayaking, rafting, or travelling within your home province
- Rafting or kayaking if your doctor has advised against it
- Any Class 6 kayaking or rafting trips
Top safety tips we recommend for your kayaking or 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 you get hurt, you won’t be covered by your travel insurance for whitewater rafting and kayaking.
- 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.
- Store a copy of your rafting and kayaking travel insurance documents in a dry bag: If an accident happens, you’ll want that handy – and dry. Make sure you have the phone number for the 24/7 Emergency Assistance Team easily accessible, as well as your policy 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
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Is kayaking covered under World Nomads Travel Insurance?
Yes, World Nomads offers kayaking travel insurance, but make sure you list this as an activity you’ll be participating in when you purchase your policy. Kayaking within inland/coastal waters is considered a Level 1 activity and is automatically covered, but you’ll still need to list it when you purchase your policy. However, you will need to pay an additional premium to be covered for Level 2 and Level 3 activities like kayaking and swimming outside of coastal waters. If you are doing something else on your trip and aren’t sure if it’s covered, we suggest you contact us to make sure.
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Is whitewater rafting covered under World Nomads Travel Insurance?
Yes, World Nomads offers whitewater rafting travel insurance for grades/classes 1-5, but make sure you list this as an activity you’ll be participating in when you purchase your policy. However, you will need to pay an additional premium to be covered for Level 2 and Level 3 activities like kayaking and swimming outside of coastal waters. If you are doing something else on your trip and aren’t sure if it’s covered, we suggest you contact us to make sure.
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What types of incidents are covered while kayaking or rafting abroad?
If your trip is cancelled, delayed, or interrupted due to an unforeseen event, you may be able to recover your travel expenses (up to the policy limits), and this may include unused, pre-paid, non-refundable kayak rentals or rafting excursions. If you fall out of your kayak or raft, get hurt, and require medical assistance, emergency medical coverage may come in handy in the case of an unexpected injury. You may also be covered for unplanned situations such as lost bags.
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Can I get coverage after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You may buy a plan online anytime, from anywhere in the world. If you buy a plan after departing from your home province, you won’t be covered for any loss or expense related to any injury or sickness that occurs in the 48-hour period after your departure date.
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Does World Nomads Travel Insurance offer coverage for kayaking and rafting outside of Canada?
Yes, there are so many great places around the world where you can kayak or go whitewater rafting, and World Nomads doesn’t want to limit your fun. For example, if you have coverage that includes travel insurance for Asia, you could have the opportunity to go whitewater rafting on the Trishuli River in Nepal or kayaking through the mangroves in Okinawa. When you get a quote for travel insurance for kayaking and rafting, you’ll need to input where you’ll be travelling, and also list kayaking as rafting as activities you’ll be participating in.
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What should I do if I get hurt while kayaking or rafting?
If you have travel insurance for rafting and kayaking and unexpectedly get hurt, you can contact the 24/7 Emergency Assistance team and they can help direct you to nearby medical facilities. They may also translate for you if you’re travelling outside of Canada and your medical team doesn’t speak French or English. Make sure you keep all documentation including doctor reports, invoices, etc. You’ll need those things if you plan to make a claim.
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Does World Nomads Travel Insurance cover other activities during my trip?
Yes, with your rafting and kayaking travel insurance benefits, you may be covered for more than 250 other sports, activities and experiences. Things like hiking, biking, rock climbing, and camping may all be covered. When you purchase your policy, you’ll need to list all of the activities that you plan to participate in while on your trip. 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. If you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
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Do I get my money back if I cancel a trip?
Trip cancellation coverage is offered by both plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, kayak rentals, whitewater rafting excursions, and accommodations if your trip is cancelled for a covered reason.
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What happens if my bags are delayed?
When you purchase travel insurance for rafting and kayaking, baggage coverage 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.
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
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)
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 teamTravel Insurance for Mountain Biking
Whether you’re a hobby mountain biker or serious fiend, travel insurance for mountain biking can stand you in good stead when the mountain wins.
- As featured in:
As featured in:
Check what’s covered before you head up the mountain
Nothing shouts adventure for Irish travellers than the speed and thrills of mountain biking. But as fun as mountain biking can be it can also lead to nasty cuts, bruises and injuries. That’s why travel insurance comes in handy when your mountain bike ride doesn’t go to plan.
What’s covered for mountain biking?Our plans can help you navigate any unexpected mishaps and help get you back on track. World Nomads may offer cover (up to the policy limits) for:
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Two travel insurance plans to suit your sport and activity needs
Unfortunately we can’t help with that punctured tyre but if you’ve seriously hurt yourself World Nomads Travel Insurance Standard and Explorer plans can offer coverage for unforeseen medical costs on your next mountain biking adventure overseas. Both our plans offer optional upgrades so if you plan on taking lifts for some gripping descents, you must upgrade to the activity level that suits your needs at the time you purchase your policy.
What do you do if something happens to you?
We understand that unexpected accidents and illnesses may strike at any moment, that’s why the World Nomads 24/7 Emergency Medical Assistance team is here to help you navigate any issues you may have if you end up in hospital. If you’re admitted to hospital, you (or someone else) must notify our 24/7 Emergency Medical Assistance team as soon as reasonably possible. Your medical expenses can be paid directly to the hospital, where possible, once cover is confirmed. For more information on what to do if you need emergency assistance while overseas check out our Overseas Medical Treatment and Hospitalisation Help Centre article.
Travel insurance tip: Irish travellers, if you require any medical treatment during your trip while outside of Ireland (and as soon as your medically able to do so) you’ll need to contact your private medical insurance (PMI) provider (if applicable) and follow their emergency medical procedures and claims procedures. Where your PMI provider cannot provide assistance, get in touch with our 24-hour Emergency Medical Assistance Team as soon as reasonably possible before incurring medical costs, and also please provide us with details of your PMI provider to help us coordinate your care. For more information on what to do please refer to Section 8 Medical Sections of Cover, Important Information, in your Policy Wording.
You can also claim for your non-refundable costs of cancelling your trip if you or your travel buddy suddenly gets sick or hurt before you go on your trip. We also offer cover if you’re left empty-handed when the airline loses your baggage; or if a storm affects your connecting flight and puts the brakes on your travel plans (Explorer Plan only).
Why buy travel insurance when you’re going mountain biking?
Having travel insurance can help take some of the stress out if you end up in hospital with unexpected medical costs from a broken leg to some bangs and scrapes. Importantly travel insurance offers coverage for those ‘worst possible case’ scenarios when you need to be repatriated to Ireland to recover.
An upgrade for certain activities and sports may be required and terms and conditions apply for each activity. Check out our activities article for details or contact us if you have questions.
World Nomads plans offer cover for many mountain bike destinations:
- Les Gets, France where the lower Alps make for perfect mountain biking trails
- Spain’s southern Andalucía region for riding in the sun
- The downhill, cross-country and single tracks of Whistler Canada
- Desert riding around Colorado and New Mexico
What’s not covered?
Some things we may not cover for mountain bike riding include:
- Pre-existing medical conditions
- Theft, loss and damage to bikes and their related accessories
- Participating in racing events
- Personal liability while bike riding
- Leaving baggage, personal items or any mountain biking gear unattended
- Any search or rescue operations to remove you from a life-threatening situation
- Misuse of alcohol or drugs to the extent that it risks your health or impairs your faculties
- Damage from any illegal activity.
For more information, go to our Help Desk mountain biking article.
This is a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the Policy Wording for complete details of cover and exclusions. If you are unsure of your level of travel cover, please contact us for help.
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)
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 teamTravel Insurance for Mountain Biking
Whether you’re a hobby mountain biker or serious fiend, travel insurance for mountain biking can stand you in good stead when the mountain wins.
- As featured in:
As featured in:
Embrace the thrill of the trails! Whether you're a weekend warrior, or a downhill daredevil, having travel insurance can keep you focused on the fun, not the what-ifs. From the rugged peaks of Scotland to the challenging trails of the Alps…there’s so many mountains waiting to be climbed on two wheels! But before you hit the paths less pedalled, check out our tips to ensure you're fully geared up with the right cover.
- Should I consider travel insurance when mountain bike riding?
- What’s actually covered when you go mountain biking
- What’s not covered when mountain biking?
- World Nomad’s handy tips for your mountain bike adventures
- Need some inspo for your next mountain biking adventure?
- Frequently asked questions
Should I consider travel insurance when mountain bike riding?
Accidents and Injuries: the rugged nature of mountain biking increases the risk of falls and injuries. Whether it's a minor scrape or a more serious injury requiring hospitalisation, travel insurance can cover medical expenses and emergency treatments.
Remote Locations: many of the best trails are off the beaten path. If you get injured in a remote area, emergency evacuation can be costly. Travel insurance can cover the expense of medically necessary evacuations, ensuring you receive the best possible care swiftly.
Damage or Loss of Gear: mountain biking gear is an investment. If your essential equipment is damaged or stolen during your trip, travel insurance can help cover these costs, allowing you to replace or repair your gear without significant financial burden. World Nomads provides baggage protection for lost, stolen, or damaged items of up to £3,000 with the Explorer Plan and £1,500 with the Standard Plan. For high-value gear, you may want to consider adding them as high value items. You can increase the level of cover of item up to £750 on the Explorer plan and £400 on the Standard. The maximum limit for all high value items is £2,250 on the Explorer and £1,200 on the Standard. An additional premium is required when adding high value items.
What’s actually covered when you go mountain biking?
As long as you’re not doing anything silly, like riding without a helmet or under the influence of drugs or alcohol, World Nomads offers cover for mountain biking (on and off road, cross country, or downhill). We offer two plans – Standard and Explorer – each of which offers different levels of coverage. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific mountain biking plans. Here are some of the things our plans over:
If you’re injured or have an accident whilst biking
It’s not nice to think about, but if you suffer an injury or accident on your ride, our emergency medical assistance coverage may protect you for emergencies that require:
- Hospitalisation
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Prescribed medicines
- Ambulances
If you need medical treatment, it’s essential that you get in touch with our Emergency Medical Assistance team as soon as possible so they can support you.
If you need to be evacuated or repatriated
You might be riding in a remote area, far from medical assistance, so our policies include coverage if you need to be evacuated to a medical facility.
Emergency Medical Assistance Team available 24/7
Having a medical emergency in a foreign country can be overwhelming but buying a World Nomads policy means you’ll have access to our 24/7 Emergency Medical Assistance team. Our Medical Emergency Assistance team can help with a range of services in whatever part of the world you’re travelling 365 days a year.
Cancellation of your ride
If your ride is cancelled or interrupted due to an unforeseen event, you may be able to recover your unused/additional travel expenses. With the Explorer plan this can include if your destination is affected by a natural catastrophe.
Note: There are specific terms and conditions, limits and exclusions that apply to mountain biking, so be sure to check the exclusions section of this article, and also check your policy wording carefully. If you’re not sure whether something is covered, contact us.
What’s not covered when mountain biking?
While we can offer coverage for mountain biking, there are also things we just won’t cover. These include, but are not limited to:
- No matter how safe you are, we won’t cover any mountain biking on the infamous Death Road – otherwise known as Yungas Road in Bolivia.
- Riding at altitudes over 6,000 metres
- Participation in a sport or activity not listed as covered in the policy wording or agreed by World Nomads, or where you haven’t paid the required additional premium.
- Working or participating professionally in any activity or sport.
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
- Any pre-existing medical condition.
World Nomad’s handy tips for your mountain bike adventures
- Make sure your bike is set up correctly before you ride – check the saddle, pedals, handlebars, brakes, suspension, and tyre pressure.
- Put your safety first: only go riding with professional, qualified, licensed and reputable operators. If you don’t, your cover may be void. If something doesn’t feel right, then don’t go.
- Keep your body loose and springy and be prepared to stand up on the bike – doing this moves you with the bike and can help you avoid injury and accidents.
- Study the trail map and understand the route before you start. Use GPS or a reliable app to keep track of your location, especially in remote areas.
- Bring enough water and high-energy snacks to keep you hydrated and energised throughout your ride.
Need some inspo for your next mountain biking adventure?
Check out our handy guides and insider travel tips on the best places to go mountain biking:
- The best mountain biking tracks around Nepal
- A guide to mountain biking in New Zealand
- 4 of the best places for mountain biking in the US
This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
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)
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 teamFAQ
Here are our most frequently asked questions about buying travel insurance for mountain biking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Can I get travel insurance if I’ve already started travelling?
Yes! With World Nomads, you can purchase travel insurance after you’ve left UK. Keep in mind though, there is a 72-hour waiting period before cover is activated.
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Can I upgrade my travel insurance to include high-risk mountain bike riding
Here’s the deal: general off-road/cross-country mountain bike riding is covered under both our Standard and Explorer plan. However, if you intend to up the anti with some gnarly downhill trails, you’ll need to select add this activity from the beginning, and pay the additional premium, because you can’t upgrade once you’ve purchased.
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Does World Nomads travel insurance cover competitive mountain biking events?
No, World Nomads doesn’t cover competitive (or professional) mountain biking events.
Flexcations Travel Insurance Coverage
US Residents can protect their working vacations with travel insurance
- As featured in:
As featured in:
At a glance:
- All World Nomads plans could cover losses resulting from flexcation trips where working and fun come together, with some plans that offer higher limits of coverage.
- Emergency Medical Expense Coverage may assist with medical costs and transport if you're seriously hurt while working and traveling.
- Our travel protection plans can include coverage for transportation if your condition is severe, acute, or life-threatening and adequate treatment is not available in your immediate area. Additional terms apply.
- Baggage and Personal Effects protection helps cover lost, stolen, or damaged personal gear and luggage.
- An optional Cancel for Any Reason upgrade is available on some plans (Additional cost and terms apply. Not available in New York.)
- Why should I consider travel insurance for my flexcation?
- Travel insurance and non-insurance services for flexcations: What may be covered?
- What level of travel insurance coverage do I need for my flexcation trip?
- What may not be covered when on a flexcation?
- Top tips we recommend for a successful and productive flexcation
- FAQs
Because of flexible work and school schedules, more travelers are opting to take flexcations – extended stays away from home that are a mixture of leisure and work travel. Digital nomads have the flexibility to travel to some of the world’s most intriguing places, but no matter where you’re headed, it helps to always be prepared for the unexpected when traveling. For example, if you’re planning to spend your weekdays working in Rome and your weekends tasting your way through Tuscany, a travel protection plan that includes travel insurance coverage for Italy can help protect your trip. Your plan may help with everything from stolen bags to unexpected medical expenses.
Why should I consider travel insurance for my flexcation?
The 9-5 grind of work isn’t so bad if you have your toes in the sand and a fruity drink by your side. These days, you can work from just about anywhere in the world with a strong Wi-Fi connection – including some of the most scenic tropical landscapes like the Caribbean and Costa Rica. But what happens if you get hurt while scuba diving or snorkeling on your lunch break? A travel protection plan that includes travel insurance coverage 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 while you’re on a flexcation.
Travel insurance and non-insurance services for flexcations: What may be covered?
The purpose of a flexcation is to be able to fully enjoy the destination where you’re traveling, and you’ll hopefully be experiencing new cultures and activities while you’re there. But when you’re working and studying remotely and away from home, unexpected situations can happen – and that’s why we’ve designed our travel protection plans to include travel insurance coverage for flexcations. We also offer coverage for losses related to more than 250 sports, activities and experiences.
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Emergency Medical Expenses
For injuries that happen to digital nomads when on a flexcation -
24/7 Non-Insurance Emergency Assistance
Available 24/7 to assist in an emergency situation -
Baggage & Gear Coverage
Coverage for damaged or stolen luggage and personal gear -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather impacts your trip.
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 travel insurance coverage for your flexcation trip, 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 flexcation trip?
World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. A flexcation isn’t supposed to be all work and no play, and depending on where you’re headed, you may want to enjoy a variety of other activities such as hiking, snorkeling, or skiing. That’s totally fine, because you may be covered for 250+ sports, activities and experiences.
- Standard Plan – This is the most basic plan, but includes travel insurance coverage for unexpected illness or injury incidents while on a flexcation. It includes up to $125,000 in emergency medical expenses and up to $2,500 for trip cancellation.
- Explorer Plan – This plan includes everything in the Standard plan, plus even more activities – including skydiving It also has higher limits of coverage for most benefits.
- Epic Plan – This plan covers everything the Explorer plan covers, plus even more activities – including cliff diving and ice climbing (up to 26,247 feet/8,000 meters). It also has the highest benefit limits of coverage.
- Annual Plan – This plan is for digital nomads who are planning multiple trips. Just buy once and stay protected all year. It includes travel insurance coverage for flexcations, as well as all of the other activities covered in the Standard Plan.
It’s important to note that the maximum trip length for a single trip plan (the Standard, Explorer or Epic) is 180 days. It’s 45 days per trip for an Annual 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
What may not be covered when on a flexcation?
So what happens if your boss told you that you could work remotely and be a digital nomad, but then changes his mind as soon as you land in Europe? If you have to go home because your employer won’t let you work remotely anymore, your travel insurance coverage for your trip to Europe won’t reimburse you for the costs of your trip. While many things are covered by travel insurance and non-insurance services, there are some things that aren’t – including your boss changing his mind. (Although it’s totally not cool.)
Some other things that aren’t covered include:
- Unattended baggage or personal items
- Participation in activities not listed in our 250+ sports, activities and experiences.
- Not following ‘Do Not Travel’ warnings issued by the US government prior to departure
- Ignoring your doctor if they have advised in writing that you are not medically fit to travel
- Traveling within 100 miles of your home
- Any electronics or other equipment that you use for professional purposes.
- A non-emergency treatment or surgery, including routine physical examinations
Top tips we recommend for a successful and productive flexcation
From our own experiences of being digital nomads, we’ve worked in some really interesting destinations around the world. It's never been easier to unplug and take off now that you can work and study remotely. But travel glitches can arrive in all shapes and sizes, and it helps to prepare as much as you can. Here are a few tips that you may find helpful when planning your next flexcation.
- Check to see if there’s reliable Wi-Fi. It’s better to ask questions in advance before you’ve traveled all the way there and see that there’s a problem.
- See if there’s ample space for you to work productively. You’ll want to make sure you have a quiet space for those times that require more focus and concentration.
- 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.
- 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.
- 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.
- Make time for work and play. The point of a flexcation is to be able to experience a new place, so plan out some time to enjoy your destination.
FAQ
Here are our most frequently asked questions about cover for flexcations. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Are flexcations covered under World Nomads Travel Insurance?
Yes, flexcations or ‘work and travel programs’ may be covered under all four plans offered by World Nomads Travel Insurance. However, note that the maximum trip length for a single trip plan is 180 days. It’s 45 days per trip if you have an Annual Plan.
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Will travel insurance cover my laptop and other electronics that I use for work?
Our plans are designed to provide coverage for your baggage and personal effects, including electronic devices and personal computers. While our plans may provide coverage for your personal electronics that you own and take with you on your trip, we will not cover your professional electronics that is owned by someone other than yourself or used for professional purposes.
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What types of incidents may be covered while on a flexcation?
If your trip is canceled or interrupted due to an unforeseen 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 tours that you paid for in advance. If you get hurt when on a flexcation and require medical assistance, emergency medical coverage may come in handy in the case of an unexpected injury. You may also be covered for unplanned situations such as lost bags.
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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 that includes travel insurance coverage and non-insurance services for flexcations 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, you’ll need to buy your insurance at least the day before you need coverage.
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Does World Nomads Travel Insurance offer coverage for overseas flexcations?
Yes, some of the best places to take a flexcation are outside of the US and World Nomads doesn’t want to limit your fun. For example, if you have a travel protection plan that includes travel insurance coverage for your trip to France, you could have the opportunity to be a digital nomad in Paris. If you have travel insurance coverage for your trip to Japan, you could work remotely and spend your free time skiing in the Japanese Alps. When you get a quote for a travel protection plan that includes travel insurance coverage for flexcation trips, you’ll need to input where you’ll be traveling.
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Does travel insurance cover routine healthcare when I’m working remotely in another country?
World Nomads plans include medical expense coverage in the event you suffer a medical emergency while on your trip. Travel insurance won’t pay for everyday or preventative care, such as allergy medications or routine check-ups. If you have an unexpected medical emergency though, World Nomads Travel Insurance may help with things such as hospital stays, prescription medications, and x-rays (subject to approval.)
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What should I do if I get hurt while on a flexcation?
If you get hurt while you’re on a flexcation, 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 flexcation trips.
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Does World Nomads cover other activities during my trip?
Yes, when you purchase travel insurance and non-insurance services for flexcations, you could be covered for 250+ sports, activities and experiences. We know you’ll be doing more than working and studying, and that’s what makes it fun to be a digital nomad. Things like hiking and biking may be covered. You can review the list of activities, but if you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
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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.
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What happens if my bags are delayed?
When you purchase travel insurance coverage for flexcations, 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 necessary personal items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance services that can help track down your bag and get it delivered to you.
Need destination inspiration for your next flexcation?
There are actually some pretty amazing places where you can work remotely here in the United States (and you can get a travel protection plan that includes travel insurance coverage for the US as long as you’re traveling more than 100 miles away from your home.) But there’s an abundance of great places around the world where you can embrace your inner digital nomad, too. Check out a couple of our favorite locations and get destination-specific travel tips to help you plan with confidence.
A World Nomad’s Guide to Puerto Vallarta, Mexico
Six Things to Know Before Going to France
A Local’s Guide to Visiting Berlin, Germany
Italy Travel Tips: Six Things to Know Before Visiting
Six Things to Know Before Traveling to Norway
How to Experience Ho Chi Minh City Like a Local
Five Incredible Cities to Explore in Spain
For more tips on working remotely, you may also want to check out the World Nomads Podcast: Saying Goodbye to the Office.
20251106-4950434. 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)
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 teamTravel Insurance while camping
Simple and flexible travel insurance to take you camping around the world. Buy at home or while travelling, and claim online from anywhere in the world.
- As featured in:
As featured in:
World Nomads loves camping
We get it. You want to escape from the hustle and unwind under a blanket of stars. From lush forests to the endless horizons of Australia’s Outback, a camping trip offers every manner of revival. As exciting as planning your outdoor adventure is, travelling far from home and urban comforts also comes with risks.
- What's covered for camping?
- Cover for adventure or sports activities while camping
- Know where you’re going and what to do if the unexpected happens
- What's not covered?
World Nomads Travel Insurance Standard and Explorer plans have been designed to offer cover for sudden and unforeseen events on your next camping trip such as being left empty handed when the airline loses your baggage (with your hiking gear in it), if you need to see a doctor if you are hurt or unwell or if severe weather washes away your travel plans.
Nothing soothes the soul like the crackle of a campfire. As passionate campers ourselves, we’ve designed our plans to cover all types of camping adventures:
- Searching for the Northern Lights in Lapland
- Pitching camp among the old growth forests of British Columbia
- Trekking through Cradle Mountain – St Clair National Park, Tasmania
What's covered for camping?
Our plans can help you navigate any mishaps and help get you back on track. World Nomads may offer cover (up to the policy limits) for:
- The non-refundable costs of cancelling your trip due to sudden injury or illness to you, a travelling companion or close relative.
- The Explorer Plan includes cover for official ‘Do Not Travel’ advice issued for your destination after you’ve received your Certificate of Insurance, which causes you to cancel your trip.
- Overseas emergency medical expenses for sudden injury or illness.
- Overseas emergency medical evacuation or repatriation back to Ireland.
- Loss, theft or damage to baggage or personal items. Remember to keep copies of your original receipts if you need to make a claim.
- Checked-in baggage delayed for more than 24 hours and the replacement costs for essential clothing and toiletries while waiting for your baggage (keep receipts).
- Rental car insurance excess (Explorer Plan only).
- Cover for some Coronavirus (COVID-19) related events. To find out more about our cover for COVID-19 related events, including benefit limits and exclusions, click here.
Cover for adventure or sports activities while camping
What’s a camping trip without some action?
Both our plans offer cover for activities such as bungee jumping, stand up paddle boarding/surfing and scuba diving up to 30 metres. While there are many activities available on the Standard plan, those feeling extra adventurous can upgrade to the Explorer Plan which offers higher benefits and a broader range of activities and sports pursuits. It costs more but it may better suit your needs as it offers upgrades for activities such as camping and hiking up to 6,000 metres, or mountaineering (with ropes, picks or specialist climbing equipment) up to 6,000 metres.
Travel insurance tip: Your cover will depend on the activity(ies) you chose at the time of policy purchase and terms and conditions apply for each activity. Level 1 sports and activities are automatically covered on the Standard and Explorer Plans. You can upgrade your cover for a range of other activities, experiences and manual work if you select the activities (listed as Level 2, 3 and 4) but you will need an upgrade to the Explorer Plan.
Check your Policy Wording for details or contact us if you have questions.
Know where you’re going and what to do if the unexpected happens
Before you head off to the wilderness, it pays to arm yourself with these camping tips for a safer trip:
- Make sure to include all the countries you’ll be visiting or travelling through on your policy as well as the adventure activities you’re planning.
- Check you have all the paperwork you’ll need for the countries you’ll be visiting for example, visas, and camping or visitor permits for national parks.
- Don’t leave home without your European Health Insurance Card (EHIC); it entitles you to reciprocal healthcare in certain countries.
- Check the local camping regulations for the places you are visiting. Some countries allow you to camp anywhere on public or private land away from habitation, however many countries do not allow this and if you cross a border unknowingly, you could be fined and it could affect your cover.
- Be responsible when choosing a camping destination or activity. Does it suit your experience level? Are there any travel or weather alerts for your destination? Are you using an accredited operator? Can our 24/7 Emergency Assistance team reach you if you get into trouble?
What's not covered?
Some things we do not cover include:
- Any expenses that relate to pre-existing medical conditions, as outlined in the Policy Wording.
- Unattended baggage or personal items.
- Any items left unattended in a motor vehicle.
- Working or participating professionally in any activity or sport.
- Any search or rescue operations to remove you from a life-threatening situation (unless cover is available for a natural catastrophe under your policy).
- Misuse of alcohol or drugs to the extent that it risks your health or impairs your faculties.
- Damage from any illegal activity.
- Expenses that are recoverable from elsewhere, e.g. transport carriers or accommodation providers.
This is not a full list of what’s covered and what’s not; please check your Policy Wording for a full list of limitations and exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.
Did you know travel insurance covers...
- Trip cancellation
- Emergency medical
- Evacuation and repatriation
- Lost or damaged gear
- Delayed baggage
- Death overseas
- Terrorism
- And more...
You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.
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?
- 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 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
- Luggage lost?
- Airline lost your gear?
- 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)
True Claims Stories
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 teamTravel Insurance for Camping
Simple and flexible travel insurance to take you camping around the world. Buy at home or while travelling, and claim online from anywhere in the world.
- As featured in:
As featured in:
World Nomads love camping
We get it. You want to escape from the hustle and unwind under a blanket of stars. From lush forests to the endless horizons of Australia’s Outback, a camping trip offers every manner of revival. As exciting as planning your outdoor adventure is, travelling far from home and urban comforts also comes with risks.
- What's covered for camping?
- Cover for adventure or sports activities while camping
- Know where you’re going and what to do if the unexpected happens
- What's not covered?
World Nomads Travel Insurance Standard and Explorer plans have been designed to offer cover for sudden and unforeseen events on your next camping trip such as being left empty handed when the airline loses your baggage (with your hiking gear in it), if you need to see a doctor if you are hurt or unwell or if severe weather washes away your travel plans.
Nothing soothes the soul like the crackle of a campfire. As passionate campers ourselves, we’ve designed our plans to cover all types of camping adventures:
- Searching for the Northern Lights in Lapland
- Pitching camp among the old growth forests of British Columbia
- Trekking through Cradle Mountain – St Clair National Park, Tasmania
What's covered for camping?
Our plans can help you navigate any mishaps and help get you back on track. World Nomads may offer cover (up to the policy limits) for:
- The non-refundable costs of cancelling your trip due to sudden injury or illness to you, a travelling companion or immediate relative.
- The Explorer Plan includes cover for official ‘Avoid All’ or 'All but Essential' advice issued for your destination after you’ve received your Certificate of Insurance, which causes you to cancel your trip.
- Overseas emergency medical expenses for sudden injury or illness.
- Overseas emergency medical evacuation or repatriation back to the UK.
- Loss, theft or damage to baggage or personal items. Remember to keep copies of your original receipts if you need to make a claim.
- Checked-in baggage delayed for more than 24 hours and the replacement costs for essential clothing and toiletries while waiting for your baggage (keep receipts).
Cover for adventure or sports activities while camping
What’s a camping trip without some action?
Both our plans offer cover for activities such as stand up paddle boarding/surfing and scuba diving up to 30 metres. You can also choose to upgrade your activity cover by paying an additional premium, here you can be covered for activities like hiking up to 6,000 metres and mountaineering (with ropes, picks and specialist climbing equipment on both Standard and Explorer plans.
The Explorer offers higher benefit limits along with some additional insured events.
Travel insurance tip: Your cover will depend on the activity(ies) you chose at the time of policy purchase and terms and conditions apply for each activity. Level 1 sports and activities are automatically covered on the Standard and Explorer Plans. You can upgrade your cover for a range of other activities, experiences and manual work if you select the activities (listed as Level 2, 3 and 4) but you will need to pay an additional premium.
Check your Policy Wording for details or contact us if you have questions.
Know where you’re going and what to do if the unexpected happens
Before you head off to the wilderness, it pays to arm yourself with these camping tips for a safer trip:
- Make sure to include all the countries you’ll be visiting or travelling through on your policy as well as the adventure activities you’re planning.
- Check you have all the paperwork you’ll need for the countries you’ll be visiting for example, visas, and camping or visitor permits for national parks.
- Don’t leave home without your GHIC (Global Health Insurance Card)
- Check the local camping regulations for the places you are visiting. Some countries allow you to camp anywhere on public or private land away from habitation, however many countries do not allow this and if you cross a border unknowingly, you could be fined and it could affect your cover.
- Be responsible when choosing a camping destination or activity. Does it suit your experience level? Are there any travel or weather alerts for your destination? Are you using an accredited operator? Can our 24/7 Emergency Medical Assistance team reach you if you get into trouble and require medical assistance?
What's not covered?
Some things we do not cover include:
- Any expenses that relate to pre-existing medical conditions, as outlined in the policy wording.
- Unattended baggage or personal items.
- Any items, clearly visible from the outside, left unattended in a motor vehicle.
- Working or participating professionally in any activity or sport.
- Any search or rescue operations to rescue you.
- Misuse of alcohol or drugs to the extent that it risks your health or impairs your faculties.
- Damage from any illegal activity.
- Expenses that are recoverable from elsewhere, e.g. transport carriers or accommodation providers.
This is not a full list of what’s covered and what’s not; please check your Policy Wording for a full list of limitations and exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.
Did you know travel insurance covers...
- Trip cancellation
- Emergency medical
- Evacuation and repatriation
- Lost or damaged gear
- Delayed baggage
- Death overseas
- Terrorism
- And more...
You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.
True Claims Stories
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 teamTravel 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?
- 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 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
- Luggage lost?
- Airline lost your gear?
- 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)
