Travel Insurance for Kayaking and Rafting
Americans can get covered for adventures on the water.
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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
- What kinds of kayaking and rafting do we cover?
- What do those River Grades mean?
- Choosing the right plan for you
- What is covered by World Nomads Travel Insurance?
- What's not covered?
Going kayaking or rafting on your vacation?
Exotic sunsets, the water hitting your face, hurtling down river rapids; experiences on the water are often the most unforgettable part of any vacation. From paddling with the family on Lake Superior, to sea kayaking the turquoise waters around Indonesia’s Raja Ampat archipelago, get your next vacation flowing on a kayaking or rafting adventure.
What kinds of kayaking and rafting do we cover?
When you get a travel insurance quote for your kayaking or rafting trip, you need to double-check the Adventure Sports & Activities list. The following categories have coverage under all our plans:- Kayaking
- Sea kayaking
- Sea canoeing
- White water rafting and kayaking
- Black water rafting (grades 1-5)
- Cave Tubing (grades 1-5)
- Hydrospeeding (grades 1-5)
- Riverboarding (grades 1-5)
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.
Choosing the right plan for you
We offer four travel insurance plans – Standard, Explorer, Epic and Annual – each with 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 the adventure activities you’re planning. In addition to kayaking and rafting, we over coverage for more than 250 adventure activities for our U.S. nomads.
When you get a quote, you can compare the travel insurance plans, which offer coverage up to 180 days per trip. Choose the one that best meets your needs and level. If you plan to take numerous trips during the year, then the Annual Travel Insurance Plan could be best for you.
What is covered by World Nomads Travel Insurance?
Our plans may cover you on your kayaking and rafting adventures (up to the plan limits) for:- Emergency medical: Emergency medical expense 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 the 24/7 Emergency Assistance Team.
- Trip cancellation or interruption: If your trip is cancelled, interrupted, or delayed due to an unforeseen event like an illness or injury, you may be able to recover your nonrefundable, prepaid travel expenses through our trip cancellation, trip interruption or trip delay coverage.
- Natural disaster: If you find yourself amid a natural disaster that renders your destination accommodation uninhabitable, you may have coverage for trip cancellation. Just note you’ll need to have purchased your World Nomads plan before the storm is named or the disaster happens.
- Concerned about any scenario not covered here? Consider the optional ‘cancel-for-any-reason' benefit. If you have an Explorer or Epic plan, by adding this benefit (for an additional charge), you can cancel your trip for any reason and get reimbursed for up to 75% of non-refundable costs. You must purchase this benefit during the time sensitive period.
Rafting and kayaking: what’s not covered
While there are many 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:
- Working or participating professionally as an athlete in any activity or sport.
- Participation in a sport or activity not named in our adventure activities list.
- Search and rescue missions.
- Any pre-existing medical condition, unless you purchased your plan within the time-sensitive period and have a waiver.
- If you travel against medical advice.
- Any Class 6 kayaking or rafting trips – sorry, but that’s a no-go for us.
Safety tips and handy hints for your paddling trip
- Before you launch, remember to check the International River Grading of the river or water you’re on so you won’t invalidate your coverage.
- Kayaking and rafting are physically demanding – make sure you’re up to it. Plan a trip within your capabilities.
- Check the weather, check your equipment, and check the credentials of your instructor/guides.
- Wear the right gear – it can get cold on the water, and being cold and wet can lead to hypothermia.
- Get fit – kayaking requires a certain amount of strength and stamina, so be sure you are physically capable of what you plan on doing. Consider using our non-insurance service partner Runway Health for pre-trip medical support to get travel medicines, like altitude sickness pills, delivered to your door before you leave on your 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?
- 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 Bungee Jumping
Bundled coverage for bungee jumping and extreme sports for US residents.
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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
Taking a leap into the abyss – aka bungee jumping – is surely one of the most breathtaking adventure activities out there. While there many brilliant bungee destinations all over the world, New Zealand’s South Island is still one of the most popular for good reason. The first commercial bungee jumping operation started there and it’s a hub for all kinds of thrills, such as canyoning, rafting and snowshoeing, all amidst spectacular scenery.
But before you take the leap of faith though, you want to secure your safety net for those unexpected events that can quickly derail your plans. World Nomads offers travel insurance* that covers more than 250 activities for US residents, including bungee jumping.
What does travel insurance for bungee jumping cover?
World Nomads offers four plans – Standard, Explorer, Epic and Annual. Every plan covers bungee jumping, and our Explorer and Epic plans cover other extreme adventures and activities at higher altitudes.
If you plan to take numerous trips during the year, then the Annual Plan could be best for you. This plan covers the same activities as the Standard Plan.
No matter what plan you choose, travel insurance is designed to cover losses arising from sudden, unexpected, and unforeseeable circumstances. For US residents, World Nomads may offer coverage for:
- Baggage and Gear: If the airline loses or delays your bags, our non-insurance service Blue Ribbon Bags will track and expedite their return. Simply report your lost airline bags and Blue Ribbon Bags will take it from there. If your baggage or personal items can’t be located, or they’ve been damaged or stolen, our gear coverage may help with reimbursement of the cost to repair or replace damaged, lost or stolen items. You need to submit receipts, along with police reports or an incident report from your carrier (if your belongings were lost in transit).
- Emergency Medical Expenses: You never know what might happen before, during or after you take your leap. Emergency medical expense coverage could help protect your wallet if you need urgent medical treatment for an injury or sickness.
- Emergency Evacuation: Your bungee adventure may be far away from medical facilities. With medical evacuation coverage, the 24/7 Emergency Assistance Team could help you get transported to a place that offers the level of care you need.
- Trip cancellation or interruption: If your trip is cancelled, interrupted, or delayed due to an unforeseen event, you may be able to recover your nonrefundable, prepaid travel expenses through our trip cancellation, trip interruption or trip delay coverage.
What's not covered by travel insurance?
World Nomads travel insurance does not cover:
- Participation in any professional sports event.
- Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period were medically able to travel at the time of purchase. Not following your doctor’s instructions or what the 24/7 Emergency Assistance Team advises you to do.
- Any adventure activities not listed in your insurance plan.
- If travelling domestically, bungee jumping within 100 miles of your home.
Key travel insurance tips for your bungee jumping trip
- Before you buy your insurance, make sure to choose the plan that covers the activities you intend doing during your trip, including bungee jumping. You can look up the adventure sports list to see what’s covered in our four plans.
- Don't do this on your own… We only provide for cover for bungee jumping with a licenced operator, so be sure to check the credentials of the operator you choose.
- Any claim you make will need supporting documentation such as receipts of your purchases.
- Be responsible – we can’t provide cover for any activities done in an irresponsible way or while under the influence of drugs or alcohol.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.
We cover 250+ activities you love
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 Coverage for Mountain Biking Adventures
Ride prepared: Learn how travel insurance coverage for mountain biking can help when the unexpected happens to US Residents
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As featured in:
Article at a glance:
- Mountain biking travel insurance coverage may help cover emergency medical expenses, trip delays, and stolen or damaged gear while riding trails around the world.
- Coverage includes off-road mountain biking, BMX, snow biking—plus 250+ other adventure sports.
- Emergency medical expenses, 24/7 non-insurance emergency assistance, and baggage protection are included in all World Nomads plans.
- Choose from Standard, Explorer, Epic, or Annual plans to match your biking trip style, budget, and activities.
- Stay safe with pre-trip health support, proper equipment checks, and licensed guides to help ensure your ride—and your insurance—goes smoothly.
- Why should you consider travel insurance coverage for your mountain biking adventure
- What types of mountain biking adventures can be covered by World Nomads Travel Insurance?
- Mountain Biking travel insurance and non-insurance services: What can be Covered?
- What level of travel insurance coverage do I need for my mountain bike trip?
- What may not be covered when mountain biking?
- Top safety tips we recommend for your mountain biking adventure
- Frequently asked questions
Why should you consider travel insurance coverage for your mountain biking adventure
Mountain biking adventures are thrilling—but they can come with unexpected bumps and twists. That’s why World Nomads includes mountain biking in our list of 250+ covered adventure sports for US residents. If your biking trip leads to an injury or other emergency, our travel insurance coverage for mountain biking may help with medical expenses, evacuations, and trip interruptions. Some plans even let you add optional cancel for any reason coverage. Whether you're biking through the jungle in Costa Rica or exploring remote trails in Asia, the right coverage gives you peace of mind to ride hard, knowing you’re protected if the unexpected happens.
What types of biking adventures can be covered by World Nomads Travel Insurance?
World Nomads offers benefits for losses relating to:
- On and off-road mountain biking
- BMX
- Snow biking (yes, that’s a thing!)
- Unicycling is also covered!
Mountain Biking travel insurance and non-insurance services: What can be covered?
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Emergency Medical Expenses
For broken bones, cuts, and sprains after an epic crash on the trail. -
Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation -
Baggage & Gear Coverage
Damaged or stolen biking gear -
Trip Cancellation
A money-saver if inclement weather throws a wrench into your plans
Get a quote and compare the plans to see which level of coverage is right for you.
At World Nomads, we know your mountain biking trip is about more than just the ride down the trail. That’s why our travel insurance and non-insurance services for mountain bikers also cover 250+ other adventure sports and experiences—from alpine hikes and rock climbing to zip-lining and white-water rafting. Whether you’re navigating rugged backcountry or adding extra thrills to your itinerary, we offer four travel insurance plans with different levels of insurance coverage to match your trip style, budget, and appetite for adventure. Be sure to check out our (lengthy!) list of covered activities to pick the plan that fits everything you’re planning to do.
*All coverage is subject to plan terms and conditions. Be sure you read and understand your plan documents. Any questions, just ask!
What level of travel insurance coverage do I need for my mountain bike trip?
- Standard Plan – Best suited for backpackers, budget travelers and families. Includes up to $125,000 in emergency medical expenses and $2500 for trip cancellation. This is our most basic plan, but it packs a punch.
- Explorer Plan – For those trips you’ll be talking about for years to come! Covers over 300 activities and offers the optional ‘Cancel for Any Reason’ (CFAR) benefit for ultimate flexibility.
- Epic Plan – Checking that big trip off your bucket list? We’re talking safaris, cruises, luxury resorts… you name it! This plan offers our highest level of coverage for trips that are truly once in a lifetime.
- Annual Plan – Weekend warriors, digital nomads, world explorers… this plan is for you. Just buy once and stay protected all year.
You can compare plans and coverage limits when you get a quote. Optional benefits come at an additional cost; CFAR not available in NY.
Get a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
What may not be covered when mountain biking?
While we can offer coverage for many losses relating to mountain biking, there are some things that may not be covered. These include, but are not limited to:
- Participating in any activity or sport as a professional athlete.
- Bicycles and other sporting equipment that are damaged while in use due to wear and tear.
- Search-and-rescue missions.
- Unattended baggage, sporting equipment or personal items.
- Biking while under the influence of alcohol or drugs.
Top safety tips we recommend for your mountain biking adventure
- Get bike fit: Mountain biking requires a certain amount of strength and stamina, and in some cases, the ability to handle altitude. Be sure you are physically capable of it. Consider using our non-insurance service telehealth partner for pre-trip medical support to get travel medicines, like altitude sickness pills or malaria medication, delivered to your door before you leave on your trip. Make sure your bike is set up correctly before you ride check the saddle, pedals, handlebars, brakes, and tire pressure.
- Put your safety first: only go riding with professional, qualified, licensed, and reputable operators. If you don't, your coverage may be void. If something doesn't feel right, then don't go.
- Keep your body loose and springy. Be prepared to stand up on the bike; doing this moves you with the bike and can help you avoid injury and accidents.
FAQ
Here are our most frequently asked questions about cover for hiking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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What is mountain biking travel insurance coverage, and why do I need it?
Mountain biking travel insurance coverage helps cover unexpected events like injuries, medical emergencies, trip interruptions, or stolen gear during your biking adventure. Whether you're riding downhill trails or exploring remote backroads, having coverage can give you peace of mind when the unexpected happens.
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Does travel insurance cover off-road mountain biking and BMX riding?
Yes, World Nomads Travel Insurance plans may offer coverage for a wide range of biking styles, including off-road mountain biking, BMX, and even snow biking and unicycling. Be sure to check this list to confirm that your specific activity is included.
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What travel insurance benefits are included for mountain biking trips?
Coverage may include emergency medical expenses, baggage and gear protection, trip delays, cancellations, and 24/7 non-insurance emergency assistance. This means if you crash on the trail, miss a flight, or your bike gear is stolen, you may be covered depending on your plan.
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What happens if I get injured while mountain biking abroad?
If you're hurt while biking overseas, World Nomads travel insurance may help cover the cost of medical treatment, hospital stays, or even emergency evacuation if needed (subject to approval). Access to a 24/7 non-insurance Emergency Assistance team is also included for support anytime, anywhere.
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Can travel insurance cover stolen or damaged biking gear?
Yes—many World Nomads plans offer baggage and personal effects protection, which can help reimburse the cost of stolen or damaged biking gear, such as helmets, pedals, or tools. Just make sure the gear was not in use at the time of damage and that you have supporting documentation.
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What types of travel protection plans are available for mountain bikers?
World Nomads offers four plans tailored to your adventure style and budget:
- Standard Plan – Great for budget-conscious riders.
- Explorer Plan – Includes more extreme activities with CFAR (Cancel For Any Reason) as an optional addition. Not available to residents of NY and available at an additional cost.
- Epic Plan – Best for once-in-a-lifetime trips with high maximum amounts.
- Annual Plan – Ideal for frequent travelers or digital nomads.
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What are some exclusions in travel insurance for mountain biking trips?
Travel insurance may not cover:
- Professional competition biking
- Damage to gear in use or from wear and tear
- Incidents involving drugs or alcohol
- Unattended gear or personal items
Always read your plan details to understand what’s not included and excluded.
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Does the travel insurance coverage have altitude limits for mountain biking?
Yes, some travel protection plans have elevation limits for covered activities. If you're planning to bike at high altitudes (like in the Andes or Himalayas), select the right plan that includes higher-altitude rides, if needed. If you need help picking the right one, give our customer service team a call.
Need destination inspiration for your next mountain biking adventure?
Check out our handy guides and insider travel tips on the best places to go mountain biking:
- The best mountain biking tracks around Nepal
- A guide to mountain biking in New Zealand
- 4 of the best places for mountain biking in the US
This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for New Zealand
Water sports, snow sports, hiking, and biking, learn why Americans should protect themselves with travel insurance for New Zealand.
- As featured in:
As featured in:
For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
- Do I need travel insurance for New Zealand?
- Travel insurance for activities in New Zealand
- Travel insurance for medical emergencies in New Zealand
- Travel insurance for lost and stolen luggage in New Zealand
- Travel insurance for canceled, interrupted, or delayed trips to New Zealand
- Tips for traveling to New Zealand from the United States
From the waterfalls of Fjordland, to the Westland rainforests and the glacial peaks of Mount Cook, New Zealand is a dream vacation spot for many Americans.
The northland region’s Bay of Islands gives you the chance to island hop between over 100 islands, but you may also want to rent a campervan and trek over to Mount Parihaka to take in the picturesque panoramic views.
If you’re exploring Te Waipounamu (the South Island), check out the majestic Blue Pools of Makarora. The South Island has its share of phenomenal hiking opportunities and scenic cycling routes.
While a trip to New Zealand is an amazing experience, there are some things to be aware of. With everything from earthquakes to parasites, our nomads have learned some things along the way. We encourage you to check out our team’s insights on things to know about New Zealand before you go— and consider investing in travel insurance* for New Zealand.
Do I need travel insurance for New Zealand?
Even though you can book all your excursions in advance for your New Zealand adventure, what you can’t plan for are the unexpected things that may happen along the way.
With any overseas travel, there’s always going to be some things you can’t anticipate - like canceled trips, delayed baggage, and medical emergencies. If you tumble off your sand board and break a leg, your travel insurance for New Zealand could help you get the medical care you need.
Unexpected natural disasters could also put a halt to your plans. New Zealand is in an active seismic zone, and earthquakes and volcanic eruptions can happen there. If your trip to Tongariro National Park is canceled because Mount Ruapehu unexpectedly erupts and the US Government issues an advisory against travel to a destination, country, or region listed on the itinerary of your insured trip or the natural disaster makes it impossible for you to occupy your destination residence, your travel insurance for New Zealand could assist with reimbursing you for prepaid, non-refundable expenses for things like hotels and excursions.
There are four plans to select from. Compare the options to determine the best international travel insurance for your needs.
Travel insurance for activities in New Zealand
Since New Zealand is the birthplace of commercial bungee jumping, we know you may want to take that leap while you’re there. World Nomads covers more than 250 activities for Americans traveling to New Zealand- including bungee jumping.
In a country surrounded by water, you’ll probably be having some aquatic fun as well. Things like scuba diving, kayaking, surfing, and rafting on the Rangitata Gorge could be covered too.
It’s best to have a rough idea of your planned activities. Different plans cover different activities. By knowing your activities and adventures in advance, you’ll be able to purchase the best insurance plan for your trip. While a bungee jump off Kawarau Bridge is covered by all plans, if you’d rather make the leap from the plane and skydive over scenic spots like Fox Glacier or Mount Cook, you’ll need to upgrade to the Explorer or Epic Plan.
Travel insurance for medical emergencies in New Zealand
Our nomads agree that one of their favorite must-do activities in New Zealand is glacier walking.
The Haupapa/Tasman glacier is New Zealand’s longest glacier and is located in Aoraki/Mount Cook National Park on Te Waipounamu/ the South Island. Never venture out onto a glacier alone. Instead, we recommend choosing an eco-friendly tour operator and taking a guided tour.
While the coolness of glacier walking can’t be denied, anytime you’re walking on slippery ice, accidents can happen. If you lose your footing, slide, and fall into a crevasse, you could end up with injuries.
Travel insurance for New Zealand offers coverage for emergency medical expenses because of an injury, unexpected sickness, or death occurring on your trip, including emergency medical care and ambulance transportation.
Should you have a medical emergency when traveling to New Zealand, contact the 24/7 emergency assistance team prior to seeking medical attention. If your medical conditions prevent you from calling, call as soon as medically possible or have someone call on your behalf. Also remember to save all paperwork and receipts.
If your treating physician (and the 24/7 emergency assistance team) recommends that you return home because of your medical condition, World Nomads travel insurance for New Zealand includes coverage for emergency evacuation and repatriation.
To streamline your experience seeking medical care in New Zealand, sign up for FootprintID before your trip. This non-insurance service is included in all plans and is a portable personal health record where your documents, prescriptions, test results, and emergency contacts are accessible in one place anywhere in the world. Whether you need to refill a prescription or deal with a more serious injury, FootprintID expedites the process.
Travel insurance for lost bags in New Zealand
You may have packed your new snorkel and mask in your checked bag if you plan to visit Goat Island Marine Reserve. If you get to Auckland and your bag doesn’t, your travel insurance for New Zealand may reimburse you for the cost to replace your snorkel, mask, and other baggage.
The bag may have just taken a detour and will eventually make its way to you before your snorkeling excursion. If this happens, and your delayed bag is 12 or more hours late, you may be eligible to be reimbursed for the expenses you incur for a change of clothes and toiletries.
If that reunion never happens, the first step is to contact the airline to try and track down your bag. The second step is to file a claim with Blue Ribbon Bags-- a non-insurance service that will track and expedite the return of your undelivered baggage by the airline. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call Blue Ribbon Bags so you can file a lost luggage claim.
Travel insurance for canceled, interrupted, or delayed trips to New Zealand
You’ve put in the time to plan the perfect getaway to New Zealand, but sometimes things happen that can derail your plans.
If your travel companion unexpectedly gets sick before you leave the US, a doctor may tell him or her not to travel to New Zealand at that time. Your travel insurance for New Zealand includes trip cancellation coverage that may reimburse you for your non-refundable flights, hotels, and pre-paid activities.
Unexpected things can also happen once you are in New Zealand. If there are storms back home and you get a call that a tornado has destroyed your house, you may need to cut your trip short and go home to deal with that. Or perhaps an unannounced airline strike or a work emergency delays or interrupts your trip. Travel insurance for New Zealand helps you recover your unused, prepaid, non-refundable travel expenses if the reason is covered under the plan.
Tips for traveling to New Zealand from the United States
Before you leave the United States, we encourage you to check out the US government’s safety warnings for New Zealand to review their up-to-date warnings on any advisories.
New Zealand has unpredictable weather. The sun can be brutal, so make sure to always wear sunscreen. Pay attention to the weather forecasts. Weather can change quickly in New Zealand so even if the forecast shows nothing but sunny days, make sure you're prepared for strong winds and potential rain.
Remember the numbers 111. That's the emergency service number you can call if you need help from the police, fire department, or an ambulance when you’re in New Zealand.
If you purchase travel insurance for New Zealand, it’s always a good idea to save the 24/7 Emergency Assistance phone number and your policy number in your cell phone so you don’t have to search for that if an emergency happens.
Most Americans traveling to New Zealand have no problems at all, but since disasters like earthquakes and volcanoes are possible there, make sure to check out our information about what you need to know about natural hazards in New Zealand.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamExplore: destinations
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