Kayaking and Rafting Travel Insurance Coverage
US Residents can protect their trips on the water with travel insurance
- As featured in:
As featured in:
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.
- Why should I consider travel insurance for my kayaking or whitewater rafting trip?
- Kayaking and rafting travel insurance benefits
- Plan levels for kayaking and rafting trips
- What's not covered
- Top safety tips we recommend for your kayaking or whitewater rafting trip
- FAQs
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.
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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
Reimbursement for damaged or stolen paddling gear, or swimsuits packed in lost checked luggage -
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
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
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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.
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Can whitewater rafting be covered under World Nomads Travel Insurance?
Yes, whitewater rafting may be covered under all four plans offered by World Nomads Travel Insurance. This includes whitewater and blackwater rafting, up to grade/class 5. If you want higher maximum amounts of coverage, you’ll want to consider the Explorer or Epic plan.
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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.
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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 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.
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Does World Nomads Travel Insurance offer coverage for kayaking or rafting outside of the United States?
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 kayak through the mangroves in Okinawa. When you get a quote for travel insurance coverage for rafting and kayaking, you’ll need to input where you’ll be traveling.
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What should I do if I get hurt while rafting or kayaking?
If you’re hurt while rafting or kayaking, 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.
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Does World Nomads Travel Insurance cover other activities during my trip?
Yes, you’ll have coverage that includes travel insurance for rafting and also coverage that includes travel insurance for kayaking. However, you may also be covered for more than 250 other sports, activities and experiences. Things like cave tubing, hydrospeeding, and riverboarding may also be covered for grades/classes 1-5. 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, 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.
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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
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)
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 teamBungee 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.)
- Why should I consider travel insurance for my bungee jumping trip?
- Travel insurance and non-insurance services for bungee jumping trips: What may be covered?
- What level of travel insurance coverage do I need for my bungee jumping trip?
- What may not be covered when on your bungee jumping trip?
- Top safety tips we recommend for your bungee jumping
- FAQs
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.
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Emergency Medical Expenses
For injuries that happen when on your bungee jumping trip -
24/7 Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation -
Baggage & Gear Coverage
Damaged or stolen gear or luggage that is lost -
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
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
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Is bungee jumping covered under World Nomads Travel Insurance?
Yes, bungee jumping may be covered under all four plans offered by World Nomads Travel Insurance. If you want higher limits of coverage, you’ll want to consider the Explorer or Epic plan.
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What types of incidents may be covered while on your bungee jumping trip?
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 bungee jumping 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 adventure travel insurance coverage for bungee jumping online anytime, from anywhere in the world. World Nomads Travel Insurance for U.S. residents takes 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 bungee jumping trip, you’ll need to buy your plan at least the day before you need coverage.
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Does World Nomads Travel Insurance offer coverage for bungee jumping overseas?
Yes, some of the best bungee jumping spots are outside of the US and World Nomads doesn’t want to limit your fun. For example, if you have travel insurance for your trip to China, you could have the opportunity to bungee jump at Macau Tower. When you get a quote for a travel protection plan that includes extreme sports travel insurance coverage, you’ll need to input where you’ll be traveling.
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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.
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Does World Nomads cover other activities during my trip?
Yes, when you purchase travel insurance and non-insurance services for bungee jumping, you could be covered for more than 250+ other sports, activities and experiences. Things like swimming, hiking and camping may all 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 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)
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 Coverage for Mountain Biking Adventures
US Residents can ride prepared wherever the mountain biking trail leads
- As featured in:
As featured in:
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.
- Why should you consider travel insurance coverage for your mountain biking adventure
- What types of mountain biking adventures can be covered by World Nomads Travel Insurance?
- Mountain biking travel insurance benefits
- Plan levels for mountain biking trips
- What's not covered?
- Top safety tips we recommend for your mountain biking adventure
- Frequently asked questions
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?
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Emergency Medical Expenses
For broken bones, cuts, and sprains after an epic crash on the trail. -
Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation -
Baggage & Gear Coverage
Damaged or stolen biking gear -
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
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
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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.
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Does travel insurance cover off-road mountain biking and BMX riding?
Yes, World Nomads Travel Insurance plans may offer coverage for a wide range of biking styles, including off-road mountain biking, BMX, and even snow biking and unicycling. Be sure to check this list to confirm that your specific activity is included.
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What travel insurance benefits are included for mountain biking trips?
Coverage may include emergency medical expenses, baggage and gear protection, trip delays, cancellations, and 24/7 non-insurance emergency assistance. This means if you crash on the trail, miss a flight, or your bike gear is stolen, you may be covered depending on your plan.
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What happens if I get injured while mountain biking abroad?
If you're hurt while biking overseas, World Nomads travel insurance may help cover the cost of medical treatment, hospital stays, or even emergency evacuation if needed (subject to approval). Access to a 24/7 non-insurance Emergency Assistance team is also included for support anytime, anywhere.
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Can travel insurance cover stolen or damaged biking gear?
Yes—many World Nomads plans offer baggage and personal effects protection, which can help reimburse the cost of stolen or damaged biking gear, such as helmets, pedals, or tools. Just make sure the gear was not in use at the time of damage and that you have supporting documentation.
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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.
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What are some exclusions in travel insurance for mountain biking trips?
Travel insurance may not cover:
- Professional competition biking
- Damage to gear in use or from wear and tear
- Incidents involving drugs or alcohol
- Unattended gear or personal items
Always read your plan details to understand what’s not included and excluded.
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Does the travel insurance coverage have altitude limits for mountain biking?
Yes, some travel protection plans have elevation limits for covered activities. If you're planning to bike at high altitudes (like in the Andes or Himalayas), select the right plan that includes higher-altitude rides, if needed. If you need help picking the right one, give our customer service team a call.
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:
- 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 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)
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 New Zealand
Water sports, snow sports, hiking, and biking, learn why Americans should protect themselves with travel insurance for New Zealand.
- As featured in:
As featured in:
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
- Do I need travel insurance for New Zealand?
- Travel insurance for activities in New Zealand
- Travel insurance for medical emergencies in New Zealand
- Travel insurance for lost and stolen luggage in New Zealand
- Travel insurance for canceled, interrupted, or delayed trips to New Zealand
- Tips for traveling to New Zealand from the United States
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)
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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