Travel insurance when visiting Great Britain
What to know when planning your British getaway.
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Savouring a quiet ale in a centuries-old British pub is a time-honoured tradition for Aussies jetting off to the UK. From the drama of West End theatre to the dragon-like mists of the Welsh countryside, this island nation packs a punch that keeps Aussies coming back.
- What's covered
- Lost or delayed baggage cover
- Overseas medical insurance and cover for Coronavirus-related events
- Access to our Emergency Assistance Team around the clock
- Cover for activities and sports when in Great Britain
- What's not covered
What's covered
If you head south for the Falmouth International Sea Shanty Festival in Cornwall, which celebrates all things nautical, it could be worth considering travel insurance to help with those unexpected costs if you are struck down with food poisoning or suffer an injury that lands you in hospital.
World Nomads offers cover (up to the policy limits) for:
- Overseas emergency medical: The charms of the UK can’t prevent life’s surprises. You can submit a claim to recover unexpected medical expenses while travelling around the UK.
- Baggage protection: if your gear is damaged or snatched from under your nose, our gear cover may help with replacing covered items (policy excess applies).
- Family plans: The UK offers spellbinding treats for the whole family; our cover includes 2 adults and up to 8 dependents on the one policy.
- Your plan can be extended while still travelling for up to 12 months from your departure date (terms and conditions apply)
What should I look out for when travelling to Great Britain?
Lost, stolen or delayed baggage cover
A Scottish summer is full of surprises, sea kayaking the sheltered sea lochs of the Western Highlands or even snorkelling the Outer Hebrides Island chain (yes - you’ll need a thick wetsuit!). But if your gear is delayed, damaged or stolen on public transport before you even arrive, our baggage cover can help.
- Bags stolen or damaged: as soon as possible report any theft to the police, and if stolen from your private, locked accommodation, there must be visible evidence of forced entry. You must also report any damage to the relevant authority and make a claim directly with the carrier first. Remember you’ll need official reports, supporting documentation and copies of your receipts if you need to make a claim.
- Bags delayed: if your checked-in baggage is delayed for more than 12 hours, there is cover to replace those essential items and toiletries while you wait for your bags to arrive.
Overseas medical insurance and cover for Coronavirus-related events
No one likes being left out of pocket from unexpected medical costs while travelling. If your hike along the beautiful Seven Sisters coastal walk leaves you hobbling in pain and you need to find a doctor or a hospital, our plans have got your back to recover medically necessary expenses such as hospital stays, prescriptions, outpatient treatment and emergency dental treatment.
Our travel insurance plans include emergency medical and repatriation cover if you get sick with Coronavirus while travelling, but terms and conditions as well as benefit limits apply and vary between plans. It’s always a good idea to wear a face mask when visiting any of the UK’s popular hotspots but if you do get sick, contact the 24/7 Emergency Assistance Team so they can help direct you to local medical facilities if needed and help you understand your options. For all the details including benefit limits and exclusions under our Coronavirus cover, check out our Coronavirus cover article.
Access to our 24/7 Emergency Assistance Team around the clock
It’s good to know with World Nomads travel insurance, you can call our 24/7 Emergency Assistance Team if you suddenly find yourself in a crisis overseas. The EA 24/7 team can help get you to the nearest medical facility, provide help navigating language barriers, or assist with evacuation for medical reasons.
For injuries where treatment costs are not expected to exceed AUD$2,000, you can submit your receipts for reimbursement. If you are hospitalised or if your treatment expenses as an outpatient are likely to go above AUD$2,000, you must call our 24/7 Emergency Assistance Team who will work with us to confirm cover and they will liaise with the hospital on your behalf to arrange payments.
Traveller tip 1: don’t forget when travelling overseas, your Australian passport must have at least six months before its expiry date.
Cover for activities and sports when in Great Britain
Whether it’s caving in the limestone dales of Yorkshire or a canoe trip down the Thames, the UK is a haven for adventure lovers. Whatever the activity, both our Standard and Explorer plans off cover for level 1 sport and adventure activities that include hiking up to 2,000 metres, and activities such as kayaking, horse riding and cycling.
For more adventurous pursuits you may need to upgrade your cover if you’re hiking up to 6,000 metres, for example if you’re going mountain biking or skiing in Scotland. Simply specify all the activities you have planned for your trip when you get your quote, as you can’t add them afterwards. Terms and conditions apply, check your PDS for details or contact us.
If you manage to get some sweet sunshine, the Pembroke coast in Wales has some of the UK’s best beaches as well as being much quieter than the English coast. If you hire a car for a self-drive holiday, the Explorer Plan has cover for the rental insurance excess if you’re involved in an accident. Check out the article on how our road trip insurance can help you.
What's not covered
Travel insurance is not designed to cover everything. Some things we don’t cover include:
- Unattended baggage or personal items, including any items left in a locked car overnight.
- Any pre-existing medical conditions as per your PDS. Check your PDS carefully.
- If you do not use a professional, qualified and licensed guide and operator for activities where required.
- If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
- The policy excess per person per insured event where applicable (check the Summary of Benefits in your PDS).
Traveller tip 2: the number 9 bus in London will take you past the best sights the city has to offer for just a few pounds.
This is not a full list of what's covered and not covered. There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Please read your PDS carefully. If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.
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
- 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)
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 teamSeguro Viagem para mountain bike
Seja você um ciclista experiente ou iniciante, o Seguro Viagem para mountain bike pode ajudá-lo com os obstáculos no caminho.
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- Que tipos de aventuras de mountain bike são cobertas?
- Escolhendo a apólice ideal para as suas necessidades
- O que está coberto quando você pratica mountain bike?
- O que não está coberto para mountain bike?
- Dicas úteis para suas aventuras de mountain bike
- Precisa de inspiração para suas próximas aventuras?
Nada se compara a descer uma montanha ou fazer cross-country com o almoço na mochila e seus pés no pedal, te impulsionando para novas paisagens. Nossos nômades, principalmente os residentes no Brasil, amam a prática de mountain bike, e é por isso que a modalidade faz parte da lista de atividades de aventura cobertas por nossos planos de Seguro Viagem. Antes de se embrenhar pela natureza, leia nossas dicas para aproveitar ao máximo seu Seguro Viagem.
Que tipos de aventuras de mountain bike são cobertas?
Contanto que você não esteja fazendo nada insensato, como andar sem capacete ou sob a influência de drogas ou álcool, a World Nomads oferece cobertura para mountain bike, incluindo off-road, cross-country, downhill e até snow bike.
Escolhendo a apólice ideal para as suas necessidades
Oferecemos três planos – Standard, Explorer e Explorer Plus – e cada um oferece diferentes limites e sublimites de cobertura e incluem diferentes atividades. Além de mountain bike, nossos planos cobrem mais de 180 atividades de aventura para nossos nômades do Brasil.
Cabe a você escolher qual plano tem o nível ideal de cobertura para atender às suas necessidades de viagem e que corresponda aos seus planos específicos. Fazendo uma cotação, você pode comparar nossos planos Standard, Explorer e Explorer Plus e escolher aquele que melhor atende às suas necessidades. Você não pode fazer um upgrade em sua apólice após a compra, então escolha com cuidado.
Confira todos os detalhes de sua apólice e entre em contato com nossa equipe de atendimento ao cliente se tiver alguma dúvida.
O que está coberto quando você pratica mountain bike?
Prática eventual durante a viagem
Cobrimos apenas a prática eventual de mountain bike em suas férias: quando você só planeja andar de bicicleta ou mountain bike por alguns dias, e não está usando uma bicicleta como seu principal meio de transporte durante suas viagens.
Se você sofrer um acidente enquanto anda de bicicleta
Não é bom pensar nisso, mas se você sofrer uma lesão durante sua viagem, nossa assistência médica emergencial poderá cobrir despesas relacionadas a:
- Traslado médico
- Internação
- Atendimento especializado
- Medicamentos prescritos
Caso necessite de tratamento médico, é fundamental que você entre em contato com nossa equipe de Atendimento Emergencial o mais rápido possível para que possamos ajudá-lo.
Se você precisar de regresso sanitário
Você pode estar em uma área remota, com acesso difícil a assistência médica, portanto, nossas apólices incluem cobertura específica caso sua condição exija que você seja evacuado para um centro médico ou mesmo repatriado. Lembre-se apenas de que você precisará obter a aprovação de nossa equipe de Assistência Emergencial antes que uma evacuação possa ocorrer.
Equipe de Assistência Emergencial 24 horas
Ter uma emergência num país estrangeiro pode ser assustador, mas com um seguro World Nomads você terá acesso à nossa equipe de Assistência Emergencial 24 horas por dia, 7 dias por semana. Nossa equipe pode ajudar com diversos serviços em qualquer parte do mundo, fala vários idiomas e está disponível 365 dias por ano.
Cancelamento de viagem
Se sua viagem for cancelada ou interrompida devido a um evento imprevisto, como doença ou lesão, você poderá recuperar suas despesas de viagem não reembolsáveis, pré-pagas e não utilizadas.
Bagagem extraviada ou danificada (incluindo sua bicicleta)
Se houver um atraso de mais de 12 horas na chegada de sua bagagem, podemos reembolsar despesas com itens pessoais, como roupas e produtos para higiene pessoal. Se você despachar sua bicicleta e ela for permanentemente perdida ou danificada pela companhia aérea, você poderá ter direito a reembolso para substituí-la, sujeito à depreciação e aos limites listados em sua apólice.
O que não está coberto para mountain bike?
Embora nossos planos ofereçam cobertura para mountain bike, há algumas situações que não estão cobertas. Isso inclui, mas não se limita a:
- Não importa quão experiente você seja, não cobrimos nenhum passeio de mountain bike pela infame Estrada da Morte – também conhecida como Camino a Los Yungas, na Bolívia.
- Participação em um esporte ou atividade não mencionos em nossa lista de atividades cobertas pela World Nomads.
- Participação em qualquer atividade ou esporte como atleta profissional.
- Se você viajar contra orientação médica.
- Qualquer condição médica pré-existente, salvo indicação expressa em contrário na sua apólice.
- Bicicletas e outros equipamentos esportivos danificados durante o uso.
Dicas úteis para suas aventuras de mountain bike
- Certifique-se de que sua bicicleta esteja configurada corretamente antes de pedalar – verifique o selim, os pedais, o guidão e a pressão dos pneus.
- Verifique seu condicionamento físico, faça alongamentos antes de iniciar e cuide para que você tenha alimentação e hidratação adequados ao percurso que pretende realizar.
- Coloque a sua segurança em primeiro lugar: só contrate operadoras profissionais, qualificadas e licenciadas. Caso contrário, sua cobertura poderá ser anulada.
- Mantenha o corpo solto e flexível e esteja preparado para pedalar em pé – isso alinha seu movimento ao da bicicleta e pode ajudar a evitar lesões e acidentes.
Precisa de inspiração para suas próximas aventuras?
Comece a pensar em suas próximas aventuras lendo sobre as experiências e dicas de outros nômades como você (artigos em inglês) e não se esqueça de planejar também seu Seguro Viagem. Faça uma cotação online!
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
- Você ou sua família estão doentes, feridos ou mortos?
- Perdeu seu emprego?
- Teve sua casa destruída?
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
- Precisa de medicamentos?
- Sofreu um acidente?
- Ficou doente?
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
- Se acidentou no exterior?
- Precisa urgentemente de um hospital?
- Impossibilitado de prosseguir viagem?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Suas malas sumiram?
- Não encontra sua bagagem?
- Malas danificadas?
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 teamObtenha uma cotação de seguro de viagem
Seguro viagem simples e flexível. Compre em casa ou durante a viagem e faça a solicitação online de qualquer lugar do mundo
Faça uma cotação
Mountain biking Travel Insurance
Whether you're an experienced mountain biker or a beginner, travel insurance can help you with any obstacles along the way.
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As featured in:
- What types of mountain biking adventures are covered?
- Choosing the right policy for you
- What's covered when you go mountain biking?
- What's not covered when mountain biking?
- World Nomads handy tips for your mountain biking adventures?
Nothing beats heading down a mountain or practicing cross country with your lunch in your backpack and your feet pedaling you toward new landscapes. Our nomads, especially those residing in Brazil, love mountain biking, which is why this activity is on our list of covered adventure activities. Before you head off into the great outdoors, read our tips to make the most of your travel insurance.
What types of mountain biking adventures are covered?
As long as you're not doing anything reckless, like riding without a helmet or under the influence of drugs or alcohol, World Nomads provides coverage for mountain biking, including on and off road, cross country, downhill and even snow biking.
Choosing the right policy for you
We offer three plans – Standard, Explorer, and Explorer Plus – each offering different coverage limits and sub-limits, and including different activities. In addition to mountain biking, our plans cover more than 180 adventure activities for our Brazilian nomads.
It's up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific plans. When you get a quote, you can compare our Standard, Explorer and Explorer Plus plans side by side and choose the one that best suits your needs. You can’t upgrade your policy after the purchase, so choose carefully.
Check out your policy wording and contact customer service if you have any questions.
What’s covered when you go mountain biking?
Occasional practice during the trip
We cover only the occasional practice of mountain biking on your holidays: when you plan to ride a bike or mountain bike for a few days and are not using a bicycle as your main mode of transportation during your travels.
If you’re injured or have an accident while biking
It’s not nice to think about it, but if you suffer an injury or accident on your ride, our emergency medical coverage may cover you for emergencies that require:
- Medical transfer
- Hospitalization
- Specialized care
- Prescribed medications
If you need medical treatment, it's essential that you get in touch with our Emergency Assistance team as soon as possible so we can assist 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 your condition requires you to be evacuated to a medical facility or repatriated back home. Just remember you’ll need to get approval from our Emergency Assistance team before an evacuation can take place.
Emergency Assistance Team available 24/7
Having an emergency in a foreign country can be overwhelming but buying a World Nomads policy means you’ll have access to our 24/7 Emergency Assistance team. Our Emergency Assistance team can help with a range of services in whatever part of the world you're traveling, can speak multiple languages, and they're available 365 days a year.
Cancellation of your ride
If your ride is canceled or interrupted due to an unforeseen event like an illness or injury, you may be able to recover your nonrefundable, prepaid, unused travel expenses.
Delayed, damaged or lost luggage (including your bicycle)
If there's a delay of more than 12 hours in the arrival of your luggage, we can reimburse expenses for personal items such as clothing and toiletries. If you checked your bike in with your airline, and it's permanently lost or damaged by the airline, you may be entitled to a reimbursement to replace it, subject to depreciation and the limits listed in your policy.
What’s not covered when mountain biking?
While we can offer coverage for mountain biking, there are some things we don’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.
- Participation in a sport or activity not named in our list of covered activities or agreed by World Nomads.
- Participating in any activity or sport as a professional athlete.
- If you travel against medical advice.
- Any pre-existing medical condition unless otherwise expressly stated in your policy.
- Bicycles and other sporting equipment that are damaged while in use
World Nomads handy tips for your mountain biking adventures
- Make sure your bike is set up correctly before you ride – check the saddle, pedals, handlebars and tire pressure.
- Assess your physical condition, stretch before starting, and ensure you have adequate food and hydration for the route you plan to take.
- 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 and be prepared to stand up on the bike – doing this moves you with the bike and can help you avoid injury and accidents.
Need some inspiration for your next mountain biking adventure?
Start thinking about your next adventures by reading about experiences and tips from other nomads like you and don't forget to plan your Travel Insurance too. Get a quote online!
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 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 teamGet 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 quoteSeguro Viagem para caiaque e rafting
Tudo o que você precisa saber sobre Seguro Viagem para canoagem e rafting.
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As featured in:
- Rafting e Caiaque: O que está coberto
- Seguro viagem e o Sistema Internacional de Classificação de Rios
- Rafting e caiaque: o que não está coberto
- Caiaque e rafting: viajando de forma mais inteligente e segura
Um pôr do sol de tirar o fôlego, água batendo na proa; experiências aquáticas geralmente são as mais inesquecíveis de quaisquer férias. Seja para remar com a família no Lago Superior (o maior lago de água doce do mundo, localizado na América do Norte) ou para explorar de caiaque o mar de águas azul-turquesa ao redor do arquipélago de Raja Ampat, na Indonésia, deixe suas próximas férias fluírem em aventuras de canoa, caiaque ou rafting, sem esquecer de levar na mala seu Seguro Viagem.
Rafting e Caiaque: O que está coberto
Quando você faz uma cotação de seguro para uma viagem que envolva passeio de caiaque ou rafting, precisa especificar a atividade de aventura em sua apólice. Ao escolher suas opções, selecione sua atividade de caiaque/rafting de acordo com as seguintes categorias:
- Caiaque: águas interiores/costeiras dentro de 3 milhas náuticas, graus 1-5
- Caiaque no mar: além de 3 milhas náuticas
- Caiaque no mar: águas interiores/costeiras dentro de 3 milhas náuticas, graus 1-5
- Canoagem de águas brancas: águas interiores/costeiras dentro de 2 milhas náuticas, graus 1-5
Seguro viagem e o Sistema Internacional de Classificação de Rios
Várias das opções de atividades listadas acima mencionam graus de dificuldade de rios que são classificados internacionalmente como:
Classificação Internacional de Rios
- Classe 1: Fácil
- Classe 2: Iniciante
- Classe 3: Intermediário
- Classe 4: Avançado
- Classe 5: Especialista
- Classe 6: Corredeiras Extremas e Exploratórias
Dica do viajante: lembre-se de verificar com antecedência a Classificação Internacional de Rios do local em que pretende navegar para não invalidar sua cobertura. A escala é usada para vários esportes aquáticos e atividades, como rafting em águas brancas, river boarding (espécie de bodyboarding em corredeiras), canoagem em corredeiras, surfe de stand up paddle e caiaque em águas brancas.
Com relação ao Seguro Viagem com cobertura para rio/rafting, lembre-se, se você estiver andando de caiaque/rafting para além de 3 milhas náuticas, as despesas médicas complementares não são aplicadas.
Saiba mais sobre nossos seguros.
Rafting e caiaque: o que não está coberto
A World Nomads não oferece cobertura para andar de caiaque/canoa/rafting em rios de classe 6: 'Correntes extremas e exploratórias'. Desculpe, nós adoraríamos, inclusive seria demais filmar você e publicar em nosso site, mas, infelizmente, não podemos. Além disso, para atividades de rafting acima do grau 4, as despesas médicas complementares são excluídas.
Caiaque e rafting: viajando de forma mais inteligente e segura
Nós adoramos te ajudar a aproveitar mais suas aventuras: seja com dicas de como viajar de forma mais inteligente e com segurança, ou nos esforçando ao máximo para obter informações atualizadas sobre destinos de viagem. Se você for praticar caiaque ou rafting em outro país, confira nosso conteúdo de segurança em viagens ou leia mais sobre os destinos favoritos de nossos nômades (artigos em inglês).
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
- Você ou sua família estão doentes, feridos ou mortos?
- Perdeu seu emprego?
- Teve sua casa destruída?
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
- Precisa de medicamentos?
- Sofreu um acidente?
- Ficou doente?
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
- Se acidentou no exterior?
- Precisa urgentemente de um hospital?
- Impossibilitado de prosseguir viagem?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Suas malas sumiram?
- Não encontra sua bagagem?
- Malas danificadas?
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 teamObtenha uma cotação de seguro de viagem
Seguro viagem simples e flexível. Compre em casa ou durante a viagem e faça a solicitação online de qualquer lugar do mundo
Faça uma cotaçãoTravel insurance for kayaking
Everything you need to know about travel insurance for kayaking and rafting.
- As featured in:
As featured in:
- What types of rafting and kayaking does World Nomads travel insurance cover?
- What do those River Grades mean?
- Choosing the right policy for you
- What is covered by World Nomads Travel Insurance?
- Rafting and kayaking: What’s not covered
Exotic sunsets, the water lapping at your bow, hurtling down river rapids; experiences on the water are often the most unforgettable part of any holiday. From paddling with the family on Lake Superior, to sea kayaking the turquoise waters around Indonesia’s Raja Ampat archipelago, get your next holiday flowing on a kayaking or rafting adventure.
What types of rafting and kayaking does World Nomads travel insurance cover?
When you get a travel insurance quote for your kayaking or rafting trip, you need to specify the adventure activity in your policy. When you choose your options, select your kayaking/rafting activity according to the following activity category:
- Kayaking: inland/coastal waters within 3 nautical miles, grades 1-5
- Sea Kayaking: beyond 3 nautical miles
- Sea Kayaking: inland/coastal waters within 3 nautical miles, grades 1-5
- White Water Kayaking: inland/coastal waters within 2 nautical miles, grades 1-5
Also note that if you are venturing more than 3 nautical miles from the land, complementary coverage does not apply for these cases.
Also note that complementary medical expenses are excluded for kayaking beyond than three nautical miles and rafting over grade 4 rapids.
What do those River Grades mean?
Several activity options above mention international river grades which can be described as:
- Class 1: Easy
- Class 2: Novice
- Class 3: Intermediate
- Class 4: Advanced
- Class 5: Expert
- Class 6: Extreme and Exploratory Rapids
We offer coverage for river grades (also known as classes) from Class 1 to Class 5. We do not offer coverage for Class 6 rapids.
When you are about to head down the river or rapids, always be aware of the rating. Read more about the International River Grading System from the American Whitewater association.
Traveler’s Tip: before you launch, remember to check the International River Grading of the river you’re on so you won’t invalidate your cover. The scale is used for various water sports and activities, such as white water rafting, river boarding, white-water canoeing, stand up paddle surfing, and whitewater kayaking.
Choosing the right policy for you
We offer three plans – Standard, Explorer and Explorer Plus – each offers different levels of coverage. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific activity plans. In addition to kayaking and rafting, we over coverage for more than 180 adventure activities for our Brazilian nomads.
If you’re not sure whether your kayaking or rafting adventure is covered, please contact us.
What is covered by World Nomads Travel Insurance?
Our policies may cover you on your kayaking and rafting adventures (up to the policy limits) for:
- Emergency medical: Emergency medical coverage could come in handy if you suffer an accident or injury that results in you going to the hospital.
- Evacuation coverage: your water adventure may be far away from medical facilities. If your condition warrants it, you may be transported to an appropriate medical facility. And if your injuries are worse than first thought, you could be repatriated back home, subject to approval from our 24/7 Emergency Assistance Team.
- Trip cancellation or interruption: if your trip is cancelled or interrupted due to an unforeseen event like an illness or injury, you may be able to recover your nonrefundable, prepaid travel expenses.
- And more! Check out what else is covered on our policies.
Rafting and kayaking: What’s not covered
While there are several kayaking and rafting adventures, we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:
- Any Class 6 kayaking or rafting trips – sorry, but that’s a no-go for us.
- If you travel against medical advice.
- Any pre-existing medical condition unless otherwise expressly stated in your policy.
- Participation in a sport or activity not named in our adventure activities list or agreed by World Nomads.
- Expenses you incur after you return to your Country of Residence.
- Working or participating professionally as an athlete in any activity or sport.
- For kayaking beyond three nautical miles, complementary medical expenses are excluded.
- For rafting over grade 4, complementary medical expenses are excluded.
Kayaking and rafting: traveling smarter and safer
We love to find ways to help you enjoy your travels: from traveling smarter to travel safety and we endeavor to source the most up-to-date information about travel destinations. If you are going Kayaking or Rafting in another country, check out our Travel Safety content or you can read more about kayaking destinations.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
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 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 teamGet 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 quoteTravel Insurance Cover for COVID-19 Related Events
Travel insurance may help if Coronavirus cancels your travel plans.
- As featured in:
As featured in:
For information relating to policies purchased prior to 27 June 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 27 June 2024, please see below.
All our travel insurance plans include emergency overseas medical and repatriation cover if you get sick with Coronavirus while abroad.
Our Trip Disruption Section offers cover if you have no choice but to cancel or cut short your trip due to some Covid-19 related events.
If you first purchase your policy while already travelling overseas, a 72-hour waiting period applies for all cover. Benefit limits, conditions and exclusions also apply, and cover varies depending on the plan you choose.
Benefit limits apply and vary between plans.
| Benefit | Standard | Explorer |
|---|---|---|
| Emergency medical expenses overseas | Yes | Yes |
| Medical repatriation/ evacuation (including funeral expenses or repatriation of your remains if the worst-case scenario happens) | Yes | Yes |
| Coronavirus Travel Costs Note: This section has its own benefit limits which apply. Check your policy wording for full details or have a look at our Help article which has all of the details, including waiting periods, benefit limits, conditions and exclusions. |
Yes | Yes |
What do I do if I get COVID-19 before or during my trip?
If you need to cancel or cut short your trip due to yourself being certified as too ill to travel due to COVID-19 by a medical practitioner, or if you, an immediate relative, travel companion or person you were planning to stay with is hospitalised or dies due to coronavirus, we have provided some tips below, especially if you intend to make a claim. Please follow these simple tips:
- Isolate! And seek the relevant medical attention.
- Contact your doctor as soon as reasonably possible. They will need to certify that due to the COVID-19 diagnosis you are medically unfit to continue with your original travel plans. The diagnosis of Coronavirus must be made after policy purchase.
- Don’t delay in the cancellation of your plans to maximise the opportunity of refunds from your providers.
- Always keep receipts for any trip payments you make and wherever possible, request written reports from providers or local authorities.
Travel insurance isn’t designed to cover everything, so make sure you’re careful with your planning and you read the Policy Wording to make sure you understand what’s included and what’s not, as well as the terms, conditions, limitations and exclusions. If you have any questions get in touch.
How to get medical assistance
Contact our 24/7 Emergency Medical Assistance Teams as soon as possible, so they can support you from the time you fall sick or get injured, until the time you get home.
When you call please have ready:
- Your policy number
- A contact number and travelling companion details for where you are now
- The nature of your problem
FAQs
Here are our most frequently asked questions about Coronavirus. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team-
Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course). You must contact the Emergency Medical Assistance team as these costs must be pre authorised by the insurer.
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Why don't you cover ongoing treatment at home?
Medical cover in your home country is not offered with our travel insurance. Cover for your trip cancellation expenses may be available if you deemed too ill to travel due to contracting COVID-19. Speak with your travel providers; you may be able to cancel or change your arrangements at no or minimal cost. If you booked through a travel agent, they may be able to assist you with this, too. Please note, if you’re already travelling and need to make changes to a flight or your accommodation, even at the last minute, don’t delay in speaking with your airline or provider. If you can’t continue with your planned arrangements due being deemed too ill to travel due to Covid 19, simply not showing up could mean you forfeit your booking or incur additional fees when you may have been able to move your dates or times at no or minimal cost. If you booked through a travel agent, they may be able to assist you with this too.
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
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 220+ Adventure Sports and Activities
Travel insurance designed for adventures while travelling.
- As featured in:
As featured in:
When planning an overseas holiday, it’s not always easy to decide on the types of activities you’re going to do. This is why we’ve designed our travel insurance plans to offer cover for more than 220 adventure sports and activities from hiking, zip lining, dog sledding, scuba diving, snow skiing, white water rafting and more.
Your coverage will vary according to whether you choose a Standard or an Explorer plan, so its important to take the time to understand what activities you are likely to do, and the difference between our plans.
- Adventure sports, travel insurance and what’s covered by our plans
- What activities are covered?
- What’s not covered
- Questions to ask when choosing a plan
Adventure sports, travel insurance and what’s covered by our plans
The following is a small sample of what World Nomads plans offer (up to the benefit limits):
Emergency medical and evacuation coverage: if at any time during your trip, you or any of your travelling companions becomes sick or injured, then you’ll need to contact our 24/7 Emergency Assistance team right away. They can help to locate the nearest hospital or medical centre and will facilitate your repatriation back to New Zealand if your treating doctor believes this to be medically necessary.
Trip cancellation coverage: if you or anyone in your party gets sick or injured and you need to cancel your holiday plans, we may cover the non-refundable travel expenses. Please note, travellers must have already been issued with a Certificate of Insurance from World Nomads to have cancellation coverage available to them.
Coverage for extended stays: if you’re having an awesome time on your trip and choose to delay your return home to New Zealand, then you may be eligible to extend your travel insurance policy. You must not have had any change to your health, submitted a claim or intend to and are 69 years old or younger at the time to be eligible to extend. This must be done prior to 11:59pm on the return date that is listed on your policy. The policy may be extended for a total of 12 months from the start date that is indicated on your Certificate of Insurance.
Coverage for baggage and personal belongings: if your baggage or personal items are lost, damaged or stolen, then you’ll need to submit receipts, along with police reports or statements from your carrier (if the belongings were lost in transit).
The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Policy Document.
What activities are covered?
Kiwis are well known around the world for their love of the outdoors, sports and trying new experiences. During your holiday, you may wish to try activities and sports that aren’t commonly done back home in New Zealand.
Before purchasing your travel insurance policy, check your Policy Document to make sure that all the sports and activities that you intend to do are covered. World Nomads provides travel insurance for 220+ activities, sports and experiences. While this list might seem immense, it doesn’t cover everything. That’s why you should never take for granted that your preferred activities will be covered.
The following are only some of the many sports and activities covered under our policies:
- Kayaking
- Hiking
- Surfing
- Sandboarding
- Snorkelling
An upgrade for certain sports may be required and terms and conditions apply for each sport. Check your policy for details or contact us if you have questions.
Questions to ask when choosing a plan
When hunting around for a travel insurance policy, you might be tempted to take the most cost-effective cover without reading through the Policy Document first. There are different policies to cover different types of holidays, and although reading this document can be a tedious task, it’s best to familiarise yourself with all the benefits, policy limits and exclusions before you purchase your cover.
World Nomads offer two travel insurance plans, the Standard Plan and the Explorer Plan. Both plans may offer protection for many of the same types of risks and can cover the costs associated with hospitalisation, repatriation, replacing lost baggage, as well as other unplanned for expenses.
However, the Explorer Plan offers a wider level of cover, with a greater range of benefits, and higher policy limits. For instance, you might wish to include cover for hiking or diving on your trip. Therefore, when choosing between the two plans, you would need to know the exact altitudes of your hiking trips and the depths of your planned dives.
As with many of the other activities that we cover, there are different levels of cover for hiking. For example, thinking rips to an altitude of 2,000 metres is classed as Level 1. Hikes to an altitude of 6,000 metres are listed as Level 3. While there is no cover under our policies for hiking expeditions that exceed an altitude of 6,000 metres.
Before choosing the right type of cover for your holiday, you need to research the details of any activities, sports, and tours you will be participating in, to make sure you make you have an adequate level of cover.
When deciding which policy is best suited to your adventures you might want to consider:
- What kind of activities will I be doing on holiday?
- What activities are my travel buddies planning?
- What cover do the two different plans offer for these activities?
- What exclusions might apply?
Note: It’s important you choose your policy carefully as you can’t upgrade from a Standard Plan to an Explorer Plan mid-trip.
What’s not covered
Here are just a few examples of what is not covered under our plans. Please refer to your policy for the complete list.
- Existing medical conditions: cover is usually not offered for existing medical conditions. Although, there's automatic cover for over 40 existing medical conditions when certain criteria are met. Please check your PDS for the full details.
- If you are under the influence of alcohol or drugs.
- If you do not use a professional qualified and licenced guide or operator where required.
- Any search or rescue operations to find or rescue you from a life-threatening situation.
- If you refuse to be repatriated or evacuated for further treatment on the reasonable recommendation of the 24/7 Emergency Assistance Team.
- Damage to sporting equipment while in use.
- Unattended baggage or personal items.
- You are behaving in a reckless manner, or your actions are in breach of the local laws.
- If you participate in any sport or engage in any activity on a professional basis during your overseas holiday.
Overseas adventure activity tips to help you have a safer experience
Here are some general tips for New Zealand travellers to keep in mind.
Be careful with valuables - wallets poking out of back pockets or unzipped handbags displaying the contents inside are irresistible attractions for pickpockets and muggers. Keep all valuable items safely concealed on your body, or securely locked away in your hotel room when you don’t require them.
Listen to local news updates - during your stay in any country, make sure you pay attention to local news broadcasts, including weather updates. If a violent storm is expected to blast the region in the coming days, then it’s probably wise to postpone any outdoor activities or adventures you had planned until a later date.
Only work with qualified and licensed instructors - if you are planning to participate in any activities that require an instructor, then you should investigate whether that instructor has received the right training. They must be qualified and licenced to lead hiking, diving, abseiling, or other types of tours and be registered with the governing association for their recreational activity.
There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Of course, always read the full terms, conditions limitations and exclusions in the plan you choose so there’ll be no surprises if you need to use it. If you are unsure of your level of travel cover, please contact us for help.
The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form, and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.
World Nomads covers more than 220 activities and sports, and if it’s not on the list you can contact us and we’ll let you know if we’ll cover it.
You can read more about coverage for some specific activities, or select your Country Of Residence and click here to see the activities covered by the plans available to you.
We offer cover for:
- 24/7 Emergency Assistance
- Overseas medical assistance
- Cancellation
- Baggage
I bit on something hard
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
B.P. U.S Resident in South Africa.
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 adventure activities and sports. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).
-
Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered?
We don't publish a list of doctors or dentists. If you need help finding one, call our assistance teams, and they'll guide to the most appropriate medical professional.
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Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas. They don't stand in place of primary medical insurance or government healthcare.
