Travel insurance when rock climbing
Check out World Nomads travel insurance plans when rock climbing. Be adequately covered if injuries or extreme weather issues strike.
- As featured in:
As featured in:
Travel insurance when rock climbing
When looking for a mix of thrills, adventure and breath-taking natural landscapes, rock climbing delivers on all three. With so many top rock climbing destinations globally such as the Dolomites in Italy, Kalymnos in Greece, and Yosemite National Park in the USA, adrenaline junkies don’t have to look far.
Whether you’re a beginner or an experienced climber you may want to consider travel insurance as rock climbing can test your physical and mental abilities.
Insurance is essential if you are injured, severe weather derails your trip, or your equipment is lost or damaged.
- What's covered when rock climbing?
- Cover for more than 150 adventure and sports activities on both World Nomads plans
- What am I covered for?
- What's not covered?
- Key insurance tips for your rock climbing trip
What's covered when rock climbing?
World Nomads covers most rock climbing activities whether it is an indoor rock climbing day with friends or a week away at Yosemite National Park. However, we will not be able to cover you for rock climbing over 6,000 metres (19,685 feet) or if you plan on free soloing.
Depending on your Country of Residence and whether you’ve selected the Standard or Explorer plan, we may offer coverage for rock climbing for the following:
- Rock climbing (indoor)
- Rock climbing (bouldering)
- Rock climbing outdoor under 6,000m (19,685 feet)- multi-pitch climbing / sport climbing / bolted / aid climbing / traditional climbing / top or bottom rope climbing.
Residents of some countries may require an upgrade to include certain rock climbing activities and at certain altitudes.
Cover for more than 150 adventure and sports activities on both World Nomads plans
While there are many activities available on the Standard Plan, those feeling adventurous can upgrade to the Explorer Plan, which offers higher benefits and cover for a broader range of activities and sports.
Travel insurance tip: to have cover for an adventure sport or activity, you may need to add it to your policy or select a plan with more benefits/coverage when you buy and pay the extra premium, depending on your Country of Residence. Remember, you can’t upgrade your coverage after you buy, so it’s important to get this right on the first go.
What am I covered for?
Travel insurance is designed for many reasons, for example if extreme weather derails your rock climbing trip, However, there are specific reasons why it’s important for a rock climbing trip. World Nomads offers coverage (up to the policy limits) for:
- Baggage protection: had your ropes or rappelling gear stolen while rock climbing? Our gear coverage may help to replace belongings that were swiped.
- Emergency medical: rock climbing and fresh air can be great for the body and soul but not if it ends up in a bad fall. Emergency medical coverage will help in the case of an accident or when you need urgent medical treatment for an injury. Get to a doctor for treatment and medication and you can submit a claim to recover the costs (up to your benefit limit).
- Evacuation: your next rock climbing adventure may be far away from medical facilities. With our cover, you can get transported to the medical facility best for your care, subject to approval from us. Please note that remote travel is not covered.
- Trip cancellation: has a sick or injured traveling companion put a stop to your rock climbing adventure? Depending on your plan, you may be able to recover your travel expenses.
- Coverage for some Coronavirus (COVID-19)-related events: depending on your Country of Residence and the plan you’ve selected you may be covered for some Coronavirus-related events. To find out more, read our What’s Covered for Coronavirus article.
What's not covered?
Some things we may not cover include:
- Training for and/or participating in an activity at a professional level.
- Competing at an international event as a national representative.
- Going against local authority warnings by entering closed or restricted areas or places or putting yourself in an unsafe or dangerous situation.
- If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
- Any remote search or rescue operations to remove you from a life-threatening situation (unless covered by natural catastrophe).
- Unattended baggage or personal items.
Key insurance tips for your rock climbing trip
- Got your paperwork?: you’ll need the right visas and permits wherever you go to climb – insurance doesn’t cover you for not doing your paperwork.
- Know where to go… and where not to: check you can camp / climb or just generally be wherever that ‘hot’ climbing spot is. You don’t want to find yourself spending dinner in the local police station instead of the local bar… and insurance doesn’t cover you for illegal acts,
- Proof of purchase: yep, any claim you make will need supporting documentation such as receipts of your purchases.
- It pays to be prepared: check the weather, check your equipment, and check the credentials of your climbing instructor (if it’s a group climb) – if any seem unreliable then reconsider if it’s a smart move to go.
- Don’t get in over your head: be responsible when choosing a rock climbing destination or activity. Does it suit your experience level? Are you using an accredited tour operator?
- Keep an eye on your gear: don’t leave your expensive rock climbing gear or any other baggage unattended -those 'I spaced out” moments might not qualify for coverage.
- Be responsible: Choose a tour operator that promotes responsible tourism, works as part of the local community, as well as actively helps to conserve the environment.
This is not a full list of what’s covered and what’s not; please check your policy for a full list of terms, conditions, limitations & exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.
True Claims Stories
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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 teamEssential tips for first-time World Nomads travel insurance buyers
- As featured in:
As featured in:
You may be weighing up the pros and cons of travel insurance for your next trip overseas, especially if you’ve never used it before. With Coronavirus adding an extra level of uncertainty, now could be the right time to consider travel insurance.
World Nomads offers insurance for travelers aged between 18 and 69. Our policies are available to travelers from more than 100 countries worldwide. You can get a quote online and be covered in no time.
If you’ve never had the need for travel insurance but you are thinking about buying it for your next trip, some of the scenarios where it may help include:
- If you need to cancel or curtail your trip because you’re sick.
- If you want your tech gear, valuables, and baggage covered.
- If you need emergency treatment during your trip due to an unexpected illness or injury.
- If you plan to do several activities and sports and need that extra level of cover.
- If you end up stuck at the airport for an extended period due to a travel delay or trip interruption.
What to look out for when considering travel insurance
Get a doctor to approve your fit to travel: know your own medical needs, for example, whether you have pre-existing medical condition(s) that may invalidate your cover. You may need to have a doctor’s sign off that you’re fit to travel, for example, if you’re pregnant and having pregnancy-related complications or if you’re unsure about a specific medical condition.
Research all your travel destinations: always do your research on the countries or regions you plan to visit. Check government travel advisories as they can change rapidly. Check out our travel alerts, and health organizations advisories, such as the World Health Organization.
Take time out to read the fine print: check your policy’s benefit limits, terms and conditions and exclusions to ensure you are getting the right level of cover for your travel plans and destinations to cover any potential claims. You can always get in touch with the Customer Service team who can help answer any questions.
Ensure all activities and sports are covered: our plans include cover for more than 200 activities globally, from backpacking to kayaking, hiking, and bungee jumping, but not all are covered under every plan – you can find out what is available for your Country of Residence here. You may need to pay an additional premium for higher-risk activities or choose a different plan. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip.
We’re here to help in case of emergency: make sure to know what to do in case of an emergency, which you can discuss with our 24/7 Emergency Assistance Team.
I have never bought World Nomads travel insurance. Why should I consider it?
For many first-time buyers, buying travel insurance can be daunting and confusing. At World Nomads, we have made choosing a travel insurance plan less time-consuming and stressful by offering two travel insurance plans with different levels of cover depending on your travel needs.
Standard Plan: includes a range of benefits such as overseas medical, coverage for your belongings, pre-trip cancellation and certain adventure activities.
Explorer Plan: has all the benefits of a Standard Plan and a few more, but it is more expensive.
Check out our Standard vs Explorer article for information on coverage, benefit limits, terms and conditions and exclusions.
Can I buy or extend my travel insurance while overseas?
With a World Nomads policy, you can buy cover anytime, anywhere. Plus, if you decide to stay longer somewhere or want to change direction on a whim, we are happy to extend your policy as long as it’s done before the end date shown on your Certificate of Insurance.
Traveler tip: if you buy a policy while traveling overseas, you must wait 72 hours before any cover is activated. The maximum duration available for any policy, including extensions, is 12 months from the start date.
Does World Nomads travel insurance include cover for Coronavirus-related events?
We offer cover for some Coronavirus-related events, however level of coverage under our Standard and Explorer Plans will depend on your Country of Residence and the plan you’ve selected.
If you are diagnosed with Coronavirus while overseas, your benefits may include:
- 24/7 access to our Emergency Assistance Team, who can help you access local medical care.
- Medical costs including hospitalization.
- Evacuation or repatriation if deemed medically necessary by us and in consultation with your attending medical practitioner.
Some of our Explorer plans offer cover for some additional Coronavirus-related insured events, such as cancellation following a COVID-19 diagnosis, to assist our travelers.
To find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, conditions and exclusions.
Things to look out for when buying travel insurance:
- Make sure you correctly choose the right trip dates, age limit, and level of cover.
- Ensure all your destinations are covered.
- Make sure you understand what a pre-existing medical condition is under our policy.
- Some activities and sports may require extra level of cover or may not be covered.
- Make sure you clearly understand the benefit limits and the excess as per the level of cover you’ve selected.
- Understand that there will be General Exclusions in your cover for which you won’t be covered under any circumstances.
- Make copies of travel documents and keep receipts in case you need to make a claim.
This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Did you know travel insurance covers...
- Trip cancellation
- Emergency medical
- Evacuation and repatriation
- Lost or damaged gear
- Delayed baggage
- Death overseas
- Terrorism
- And more...
You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.
True Claims Stories
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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 teamNatural Disaster Travel Insurance Coverage
Learn how travel insurance benefits for natural disasters may help US Residents when emergency strikes
- As featured in:
As featured in:
At a glance
- World Nomads offers plans that include travel insurance coverage for natural disasters. Terms and Conditions apply.
- Disasters such as earthquakes, floods, wildfires, hurricanes, blizzards, and volcanic eruptions may be covered
- You may be reimbursed for medical expenses and evacuation expenses incurred for your transportation to your home country or nearest place of safety
- Additional coverage may be included if you need to cancel, delay, or interrupt your trip due to a natural disaster
- Why should you consider travel insurance coverage that includes protection from losses relating to natural disasters?
- What Natural Disasters May Be Covered
- Important to Know
- Evacuation Benefit Maximums
- What should I do if there’s a natural disaster while I’m traveling outside of the United States?
- Recommended Travel Safety Tips
- FAQs
Why should you consider travel insurance coverage that includes protection from losses relating to natural disasters?
According to data from NOAA*, the US averages nine weather and climate disasters per year. It’s scary enough when it happens here, but it’s even worse when you’re stuck in Japan after an earthquake or if you have to cancel your trip to Vietnam because floods have washed out the roads. But a single-trip or annual travel protection plan that includes benefits for natural disasters may help in a variety of ways, including trip cancellation and medical expenses. It may even help with emergency evacuation so you can get you back to your home country or to a safe place.
What Natural Disasters May Be Covered
- Earthquakes
- Floods
- Wildfires
- Hurricanes
- Blizzards
- Volcanic Eruptions
Important to Know
- You may only be covered if the natural disaster wasn’t already forecast at the time you purchased your plan
- Evacuations must occur within 14 days of the disaster and require pre-approval
- Limits, terms, and conditions of coverage vary depending on the plan you buy.
Evacuation Benefit Maximums
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
| Up to $25,000 for evacuation Get a quote |
Up to $25,000 for evacuation Get a quote |
Up to $50,000 for evacuation Get a quote |
Up to $5,000 for evacuation per trip Get a quote |
What should I do if there’s a natural disaster while I’m traveling outside of the United States?
It’s one thing if a rainy day washes out your trekking expedition in Mexico, but what if a hurricane blows the roof off your hotel, making it uninhabitable? If you’re faced with a natural disaster when you’re traveling outside of the US, make sure you follow these steps.
- If you find yourself away from home and dealing with a natural disaster, first make sure you and your travel partners are somewhere safe.
- Reach out to the 24/7 Non-insurance Emergency Assistance Team to let them know what happened. If you need medical care, they may help direct you to a place where you can get the care you need. They may also be able to help with emergency evacuation if needed.
- Continue to monitor the weather and developing situation if you have access to a radio, television, or mobile device.
- You can start a claim for your natural disaster travel insurance coverage, but you’ll want to make sure you have all of your documentation to submit. This includes things such as proof of all non-refundable, prepaid deposits or payments, unused transportation tickets, original receipts for any expenses incurred because of the natural disaster, original receipts for any new tickets, documentation from your medical team, etc.
Recommended Travel Safety Tips
As travelers ourselves, we’ve dealt with weather situations while traveling. We’ve also had to cancel trips because of natural disasters that put a halt to our plans. We’ve learned a few things along the way and these are a few of our personal tips.
- Do your research and check out the US government’s safety warnings* for your destination before traveling. You can see if there are any natural disasters that your destination is prone to, such as volcanoes, flooding, tsunamis, wildfires, and more. This is also where the US Department of State lists any current advisories.
- Enroll in the free Smart Traveler Enrollment Program (STEP)* to stay updated on emergency situations.
- Plan the timing of your trip appropriately. If you know that hurricane season runs from June through November in the Caribbean, you may want to plan your trip to the Bahamas outside of that window.
- If you need to go somewhere that is especially prone to natural disasters, you may want to consider adding optional Cancel For Any Reason’ insurance during the time-sensitive period to your plan; this way you may be able to cancel your trip for any reason other than what is listed in your plan (not available to residents of New York; terms and conditions apply).
- Share your travel plans with family or friends back home so that someone knows where you are in case a natural disaster strikes your destination.
- If you purchase a travel protection plan, keep a copy of it saved in your phone. It’s also helpful to save the phone number for the 24/7 Non-insurance Emergency Assistance team and have that easily accessible as well.
- Since natural disasters have the potential of knocking out cell service and electricity, have a printed copy of your plan too just in case you aren’t able to use your phone.
FAQ
Here are our most frequently asked questions about cover for natural disasters. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
What qualifies as a natural disaster?
Natural Disaster means a flood, wildfire, hurricane, blizzard or volcanic eruption; it could also include earthquakes, avalanches and landslides, all of which are due to natural causes. The event needs to be declared a disaster area by the appropriate local government authorities and are deemed to be uninhabitable or dangerous. For more details on the definition of a natural disaster, read the details of your plan.
-
Can I cancel my trip if I’m worried about traveling to my destination?
You may not be eligible for travel insurance benefits that include coverage for natural disasters unless the disaster actually occurs. You may not be reimbursed for prepaid, non-refundable, unused travel expenses if you cancel your trip because you’re nervous about traveling to a destination that may have a natural disaster. If you’re worried though, and have purchased our Explorer or Epic plan along with the optional add-on ‘Cancel For Any Reason’ insurance benefit during the time-sensitive period, changing your mind is perfectly ok (not available to residents of New York; terms and conditions apply). When you get a quote, you can compare the travel protection plans side-by-side and determine which one might be right for you.
-
How do I know if my destination is at risk of natural disasters?
We encourage you to check out the US government’s safety warnings* for your destination before traveling. You can see if there are any natural disasters that your destination is prone to, such as volcanoes, flooding, tsunamis, wildfires, and more. This is also where the U.S. Department of State lists any current advisories.
-
How much does it cost to get travel insurance benefits for natural disasters?
When you get a quote for travel insurance benefits that include coverage for natural disasters (like emergency medical coverage, trip cancellation, and more) you’ll input information about your trip, including the destination and dates. It just takes a few minutes and you’ll then be shown the prices for the different single-trip and annual travel protection travel protection plans. At that point, you can choose the best plan for your needs.
-
If I’m evacuated back to the United States, what happens to my belongings?
Even if you’re purchasing a World Nomads plan for the natural disaster travel protection coverage, your plan will include other benefits as well – including a benefit that may cover baggage. If you are evacuated and have to leave your baggage behind (because there are weight limits on the aircraft evacuating you, for example), we may reimburse you (up to maximum benefits) for the cost of transporting your baggage to your return destination or to the evacuation location.
-
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 takes effect at 12:01 a.m. local time the day after you purchase your plan. However, if you wait until a natural disaster is already forecast before you buy your plan, you won’t be covered for natural disaster travel insurance coverage.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly 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)
Travel Insurance when horse riding
Make your horse riding adventure a memorable one for all the right reasons
- As featured in:
As featured in:
Are you hot to trot and mounting a case for an equine-inspired holiday? If it’s the sole reason for your trip or just one of the activities you’re planning on your travels, World Nomads travel insurance may help when the unexpected happens.
- Why should I consider travel insurance for horse riding?
- What's covered
- Coverage for more than 150 activities, sports, and experiences
- What's not covered?
Why should I consider travel insurance for horse riding?
If horse riding in the Loire Valley in France, riding and camping in Torres del Paine National Park in Chile, or galloping on an Andalucían beach in Spain is on your to-do list, we can offer coverage for many types of social/leisure, and non-competitive horse riding activities. For those who take it more seriously, some of our plans may also offer cover for equestrian, dressage, show jumping, and eventing.
Note: all our plans are different, which means you may require an upgrade for some activities and sports depending on your Country of Residence and the plan you've selected. Conditions and exclusions apply. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip.
Horse riding can be a rewarding and exciting experience. If it’s your first time horse riding, you might want to keep the following handy tips in mind:
- Have the right gear: wearing a helmet is a MUST, no matter how experienced you are.
- Wear proper clothing: long pants and closed-toed footwear are essential.
- It pays to be prepared: check the weather, check your equipment, and check the credentials of your riding instructor (if it’s a group ride) – if they’re not good then reconsider if it’s a smart move to go.
- Keep an eye on your gear: don’t leave your expensive horse-riding gear or any other baggage unattended – those 'I spaced out” moments might not qualify for coverage.
- Proof of purchase: any claim you make will need supporting documentation such as receipts of your purchases.
- Saddle up properly: make sure you and your children’s saddles are fitted properly. If the saddle is the wrong size, you or your child could be more likely to slip out of it and fall and it could end up being a costly mistake.
Check your policy wording carefully as terms and conditions and special exclusions may apply for horse riding activities.
What's covered
Our policies may cover you (up to the policy limits) for:
- Trip cancellation or disruption: if your trip is cancelled or interrupted due to an unforeseen event, you may be able to recover your travel expenses.
- Baggage delays and personal belongings: if you arrive at your destination but your baggage doesn’t, our policies cover baggage delays that stretch from 12 to more than 24 hours.
- Emergency medical: horse-riding and fresh air can be great for the body and soul, but not if it you’re on the wrong end of a feisty hoof and require medical assistance. Emergency medical coverage could come in handy in the case of an accident or injury that results in you going to hospital.
- Evacuation cover: your horse-riding adventure may be far away from medical facilities. With our cover, you can get transported to the medical facility best for your care, subject to approval from us. If your injuries are worse than first thought, you could be repatriated back to your Country of Residence if it's medically necessary.
- Natural catastrophe: If you find yourself amid a natural disaster or your destination is affected by extreme weather, we can offer coverage if you can’t use your booked accommodation or need to move to a safer location. If you’re caught up in a natural disaster you must contact our 24/7 Emergency Assistance Team as soon as possible as it may impact what we pay you if you intend to make a claim.
Keep in mind that benefit limits, terms and conditions, and exclusions apply, so be sure to read your policy wording carefully. If you have any questions about your cover, contact us.
Coverage for more than 150 activities, sports, and experiences
At World Nomads, we know that adventurous activities go hand-in-hand with traveling abroad. That’s why World Nomads offers cover for 150+ adventure activities, sports, and experiences, everything from hot-air ballooning, rafting, hiking, and of course – horse riding.
We offer two plans – Standard and Explorer – each of which offers different levels of coverage. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific activity plans.
If your favorite sport is not on the list get in touch with our Customer Assistance Team and they will let you know if we cover it. Be aware that an upgrade for certain activities and sports may be required.
Also, if things go wrong during your horse-riding trip and you intend to make a claim, please be aware that, in most cases, a claim will require that you prove you acted responsibly, used the recommended safety clothing and equipment, and were guided by a professional, qualified, and licensed guide, instructor, or operator.
What's not covered
While there are several things, we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
- Any pre-existing medical condition unless otherwise expressly stated in your policy.
- Participation in a sport or activity not listed as covered in the policy wording or agreed by World Nomads or where you haven’t paid the required additional premium.
- Expenses you incur after you return to your Country of Residence.
- Unattended baggage or personal items.
This is not a full list of what’s covered and what’s not; please check your policy for a full list of terms, conditions, limitations, and exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.
Traveler tip 1: horse riding requires a certain amount of strength, stamina, flexibility, and balance to mount and ride the horse, especially for all-day horse-riding adventures. We do not recommend you ride a horse unless you are physically capable of it.
Traveler tip 2: horses can be easily spooked, and this is when many injuries occur. Some examples of things that can spook a horse include – sudden or unexpected movements, loud, sudden noises (alarms, whistles, bells, cell phones, screams, etc.), large crowds, other animals (for example, unleashed dogs), wasps and other insects, and camera flashes.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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
