Photo © Meghan Pinsonnault/Stocksy

Ski & snowboarding travel insurance

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

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Why buy travel insurance when going skiing or snowboarding?

Big dumps, fresh tracks and bluebird days will make for an epic trip, yet accidents on and off the hill do happen, even to the most experienced sliders. If you’re just learning on your first trip or you’re a ski bum chasing seasons, World Nomads travel insurance can help you and your family when the unexpected hits your next winter adventure.

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?
  • Ski 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
  • Slipped on ice?
  • Tore your ACL or MCL?
  • Popped a shoulder?

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
  • Road or air ambulance?
  • Flight assistance?
  • Medivac needed home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Go Pro stolen?
  • Bags lost in transit?
  • Luggage delayed?

Help starts here.

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

World Nomads loves the snow

As passionate ski bums, we’ve designed our plans to offer cover for the style of riding our Nomads love the most*:

  • Skiing and boarding within resorts
  • Cross country skiing on marked trails
  • Terrain parks, heli-skiing & heli-boarding
  • Snowmobiling, ice skating, snow rafting & more

*All plans are different and may require an upgrade for skiing or snowboarding cover to apply. Conditions and exclusions apply. Read the policy wording carefully to choose the right plan and/or adventure sport upgrade for your trip.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

FAQ

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

Photo © Kanarys/IStock

Scuba Diving travel insurance

Simple and flexible travel insurance to keep you safe on your next dive trip. Buy at home or while traveling, and claim online from anywhere in the world.

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Why buy travel insurance when going scuba diving?

Calm waters, crystal clear visibility and a bulletproof dive plan might make for the perfect underwater adventure, but accidents can happen, even to the most experienced divers. Whether you're learning or you’ve done hundreds of dives, World Nomads travel insurance can help take the pressure off you and your family when the unexpected sinks your next dive trip.

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?
  • Dive 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
  • Stepped on a stonefish?
  • Got a serious squeeze?
  • Need 02 or hyperbaric treatment?

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
  • Sea level medical evac?
  • Need an ambulance?
  • Medivac needed home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Go Pro stolen?
  • Bags lost in transit?
  • Luggage delayed?

Help starts here.

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

World Nomads love Scuba Diving

As passionate divers ourselves, we’ve designed our plans to cover dives from the Great Blue Hole to The Yongala.

  • Scuba diving (qualified divers to 30 meters – an additional premium may apply)
  • Learn-to-dive courses or discover scuba dives (with qualified instructors)
  • Shark cage diving
  • Snorkeling, island escapes, live-aboard trips, and more

*Note: All plans are different and may require an upgrade to go scuba diving. Conditions and exclusions apply. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

FAQ

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

Photo © South_agency/Getty Images

Travel Insurance for volunteering

Don't let your good deeds go uncovered.

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

What’s covered for volunteers?

Want to step out into the world and volunteer your time? If you need cover because you want to volunteer overseas, or you’re planning a volunteer vacation, World Nomads plans may safeguard against:

  • Trip disruption
  • Medical emergency expenses
  • Emergency medical evacuation
  • Baggage delay
  • Theft of baggage and personal belongings

What volunteer activities may I participate in?

We provide travel insurance cover for a range of non-manual volunteer activities involving light duties only which may include:

  • Retail work such as helping out in a co-op shop.
  • Teaching.
  • Clerical work.
  • Child care.
  • Some volunteering in communities on projects.

For all volunteering work you must wear the right gear, have the right training or be supervised appropriately, and add the activity when you purchase the travel insurance so it’s included in your policy. Some kinds of volunteering require an optional upgrade to your travel insurance cover. If you pay the optional upgrade, travel insurance coverage under your policy may also include volunteer work for manual and non-manual work such as:

  • World Wide Opportunities on Organic Farms (WWOOF) .
  • Environmental and conservation work that involved farm hand style activities.
  • Manual work or work with power tools under 2 meters in height not involving the use of mechanical or industrial machinery.

Which volunteer activities are excluded

Some volunteer activities may not be covered as they’re just too risky for us to cover, for example volunteer fire-fighting, panther minding or activities in places known to be unsafe or dangerous. This includes volunteer work that includes:

  • Work performed over 2 meters in height.
  • Work performed offshore, underground or in caves.
  • Operating machinery.
  • Working with dangerous animals and / or big game.

If you’re not sure, contact us and we’ll tell you if you’re covered.

What’s not covered?

As a global citizen contributing to good causes, we hope that you’ll act responsibly and within your limits! But just to be clear, we won’t cover any incidents related to:

  • Alcohol or drug abuse.
  • Reckless behavior.
  • Criminal or illegal acts.
  • Changing your mind.
  • Pre-existing medical conditions.
  • Any volunteer work over 2 meters in height.
  • Personal liability – this means for example, if you hurt or injure someone in the course of volunteering you will need to pay for it.

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

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




Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

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

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

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

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

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

Help starts here.

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

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

FAQ

Here are our most frequently asked questions about volunteering insurance cover. 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 happened. If it’s an emergency situation, where medical evacuation is required, World Nomads can cover these costs upfront (provided the incident is covered as per the policy wording and you get pre-approval from the Emergency Medical Assistance team). You must contact World Nomads 24/7 Emergency Assistance if you have a medical emergency.
Photo © Westend61

Travel Insurance Coverage for Surfing

US Residents can protect their surf trips abroad with travel insurance

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At a glance:

  • Travel insurance coverage for surfers may help cover emergency medical expenses, trip cancellations, and damaged surfboards—whether you're surfing in Costa Rica, Europe, or beyond.
  • Coverage may include surf-related injuries, like reef cuts, board collisions, and jellyfish stings.
  • 24/7 non-insurance emergency assistance is available if you run into trouble in or out of the water.
  • Choose from four travel protection plans: Standard, Explorer, Epic, or Annual—tailored to your trip style and level of adventure.
  • World Nomads plans also cover 250+ other adventure activities, from scuba diving and snorkeling to zip-lining and jungle trekking.


Whether you're catching waves in Bali, tackling reef breaks in Fiji, or just learning to surf on vacation, accidents can happen. Wipeouts, board collisions, reef cuts, or even jellyfish stings can quickly turn your dream surf trip into one you’d rather forget. That’s where travel insurance can step in — helping with emergency medical costs and other unexpected events.

Why should I consider travel insurance for my surf trip?

Wave chasing is thrilling—but even the best-planned trip can run into trouble. Wipeouts, sudden illness, or flight delays can disrupt your itinerary, while gear damage or theft can leave you stranded without a board. Travel insurance may help with the costs of medical care if you’re hurt while on your trip, reimburse you for canceled plans if you need to cancel for a covered reason, and may assist with lost or damaged equipment.

Whether you're paddling out stateside or heading to remote islands in search of world-class waves, World Nomads offers plans that support your sense of adventure—backed by 24/7 non-insurance emergency assistance and coverage for more than 250 sports and activities.

What travel insurance coverage and non-insurance services are offered by World Nomads for surfers?

World Nomads Travel Insurance for US residents may cover a range of unexpected problems you could face on and off the water. Plans may include:

  1. Emergency Medical Expenses
    Broken bones or gashes from epic surfing wipeouts

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

  3. Baggage & Gear Coverage
    Broken or damaged surfboards in transit

  4. Trip Cancellation
    Reimbursements of pre-paid, unused, non-refundable expenses like flights, tours and accommodations if you’re unexpectedly too sick to go on your surf trip

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

At World Nomads Travel Insurance, we know your surf trip is about more than just riding waves. That’s why our plans include travel insurance coverage for surfers and protection for over 250 other adventure sports and experiences – from jungle hikes and scuba dives to zip-lining and snorkeling. Whether you’re chasing swells or exploring off the beach, we offer four travel protection plans with different levels of insurance coverage to suit your trip style, budget, and adventure level. Check out our (lengthy) activity list and ensure you pick the plan that covers everything you plan 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 surf trip?

  • Standard Plan – Best suited for backpackers, budget travelers and families. Includes benefit maximums up to $125,000 in emergency medical expenses and up to $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’ 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 maximum benefit amounts when you get a quote. Optional coverages come at an additional cost.

Get a travel insurance quote

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

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

What may not covered by the travel protection plan I buy for surfing internationally?

Some things we may not cover include:

  • Surfing during competitions or as a professional under contract with an agreed upon salary or compensation
  • Surfing under the influence of alcohol or drugs
  • Any damage related to the wear and tear of sports equipment.
  • Unattended baggage, sporting equipment or personal items.
  • Travel within 100 miles from your home.

Top safety tips we recommend for your surfing adventure

  • Always check local conditions and surf reports
  • Wear reef booties and rash guards for protection
  • Know your limits — and don’t surf alone
  • Use a leash and inspect your gear before hitting the waves
  • Respect local surf etiquette
  • Save the 24/7 non-insurance Emergency Assistance Line on your phone and print out a copy of your travel insurance documents. If you need help in a pinch, you don’t want to be searching for who to call.
  • Keep your receipts and paperwork. Any claim you make will need supporting documentation such as receipts of your purchases and a loss or theft report. Keep these with you in printed or digital form if you need to make a claim. 

FAQ

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

  • What does travel insurance for surfing cover?
    Travel insurance coverage for surfing may help cover emergency medical expenses, trip cancellations, damaged or stolen surf gear, and 24/7 non-insurance emergency assistance. World Nomads offers plans designed for adventure travelers, including surfers chasing waves internationally.
  • Does travel insurance cover surfboard damage or loss?
    World Nomads travel protection plans include baggage and personal effects benefit that could reimburse you if your surfboard is damaged or stolen while traveling. Keep receipts and incident reports to support your claim.
  • Are surf competitions or professional surfing covered?
    Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation is excluded. This does not include athletes participating in exchange for a scholarship or tuition. Always review your plan details to understand any exclusions related to professional sports.

Need destination inspiration?

Already picked your surf spot? Nice. But if you’re dreaming about your next wave—or just want to daydream between sessions—check out some of our surf stories for inspiration. You might just discover your next favorite break.

Surfing in Europe: 5 unexpected spots to explore

Where to find the best surfing on Mexico’s West Coast

Surf town hopping in Costa Rica

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 specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

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

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

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

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

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

Help starts here.

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

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Artur Debat / Getty

Travel Insurance for Domestic Trips

US Residents May Be Able To Protect Their Trips Within the United States

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At a glance

  • All World Nomads protection plans may cover domestic trips within the United States
  • Trips more than 100 miles from your home may be covered 
  • You may be covered for more than 250+ activities 
  • Benefits may include trip cancellation, accident & sickness medical expenses, baggage and personal effects and more
  • An optional ‘Cancel for Any Reason’ upgrade may be available for the Explorer and Epic plans offered by World Nomads (Not available for New York residents)

Why should you consider travel insurance for domestic trips?

Here in the United States, there’s so much to see and do – and you don’t have to leave the country to have an awesome vacation. According to recent data, US residents took 720 million trips within the country in 2025*. Those trips may be closer to home, but travel challenges like canceled trips, delayed bags and medical emergencies can still happen. 

What happens if a hurricane wipes out your Florida beach bungalow making it uninhabitable, the airline loses your luggage, or you get hurt in Colorado while skiing? Those situations can be annoying and costly, but if you’re traveling more than 100 miles away from your home, you may be able to still get travel insurance coverage for your trip within the United States. When you get a quote for a travel protection plan with domestic travel insurance benefits, you’ll be able to compare the coverage included in each of the four plans that World Nomads offers for US residents

Exclusions

  • Travel within 100 miles of your home
  • Activities not listed as covered in your plan
  • Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period and qualified for the pre-existing condition exclusion waiver. Additional terms apply.
  • Injuries that happen while under the influence of drugs or alcohol 
  • Routine physical examinations or routine dental care

Maximum Benefit Amounts

Standard PlanExplorer PlanEpic PlanAnnual Plan

Accident & Sickness Medical Expense: $125,000 per person

Trip Cancellation: $2,500 per person


Get a quote

Accident & Sickness Medical Expense: $150,000 per person

Trip Cancellation: $10,000 per person


Get a quote

Accident & Sickness Medical Expense: $250,000 per person

Trip Cancellation: $15,000 per person


Get a quote

Accident & Sickness Medical Expense: $100,000 per trip 

Trip Cancellation: $5,000 per coverage term 


Get a quote

What is the difference between the Trip Cancellation benefit and the optional Cancel for Any Reason travel insurance benefit?

Trip cancellation insurance benefits are included in all single-trip and annual domestic travel insurance plans offered by World Nomads and this gives you the opportunity to cancel your trip before you depart – but only for covered reasons. You may be reimbursed for unused, forfeited, prepaid, non-refundable expenses that you paid for in advance if your situation is one of the covered cancellation reasons listed in your plan documents. 

‘Cancel for any reason’ coverage allows you to cancel for any reason not otherwise covered by the plan , but it isn’t automatically included. It’s an optional add-on benefit with an additional cost for US residents (Not available to New York residents) that’s available if you purchase the Epic or Explorer plan within seven days of the date your initial payment/deposit on your trip. This is called the ‘time sensitive period’. With ‘Cancel for Any Reason’ coverage, benefits can be reimbursed for up to 75% of prepaid and non-refundable deposits and payments you made towards your canceled trip. Additional terms and conditions apply.

Fun Ideas for Your Next Vacation in the United States 

You don’t have to travel overseas to have great adventures. Here are a few cool destinations that our nomads love. 

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FAQ

Here are our most frequently asked questions about cover for domestic travel insurance. You can also find the answers to other questions in our Help Center or you can ask the customer service team.

  • How do I file a claim?

    You can file a claim online. Be sure to save all your trip receipts – you’ll need to show proof of those non-refundable expenses when you submit a claim. Make sure you have documentation showing the reason for your claim. For example, if you are canceling your trip due to illness, you may need to show medical reports proving you were unable to travel.

20260223-5224775. *This website is not affiliated with United States Fire Insurance Company, World Nomads, or Trip Mate. 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 hospitalized?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

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

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

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

Help starts here.

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