Travel insurance for South Africa
What UK Travellers Need to Know About Safety in South Africa
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As featured in:
- Why Should British Travellers Consider Travel Insurance for South Africa?
- Air Doctor: When You Need a Doctor, But Not a Hospital
- Annual Multi-Trip (AMT) Policy
- What’s not covered?
- 5 Key Safety & Travel Tips for UK Travellers in South Africa
From tracking lions on safari to hiking Table Mountain sipping world-class wines, to shark cage diving in Gansbaai, South Africa is as wild as it is breathtaking. It’s a country that demands exploration, where adventure is always just around the corner - but so too are risks.
Whether you are road-tripping the Garden Route, surfing in Jeffreys Bay, or navigating the lively streets of Cape Town, World Nomads has travel insurance designed for the way you roam.
Why Should British Travellers Consider Travel Insurance for South Africa?
While South Africa is stunning, it’s not the place to wing it without cover. Whether it’s a medical emergency, stolen personal items, or a last-minute trip cancellation, travel insurance could help you avoid those unexpected costs and unnecessary stress.
Our Standard and Explorer plans can offer cover (up to the policy limits) for:
- Family coverage: Traveling with your crew? Our plans (both Single and Annual Multi-Trip) can cover two adults and up to six dependents under one policy (provided dependents are under 18 at the time of policy purchase).
- Medical emergencies: A bad fall on Table Mountain or a stomach bug from that questionable roadside braai? Our travel insurance for overseas medical could cover you for up to £5,000,000 (Standard Plan) or £10,000,000 (Explorer Plan), including overseas medical treatment, hospital stays, and prescribed medication. And our Emergency Medical Assistance Team is available 24/7 to help with medical emergencies,
- Evacuation & repatriation: If the worst happens and you need medical evacuation or repatriation back to the UK, we may cover the costs.
- Lost, delayed, or stolen baggage: Whether it’s a pickpocket in Cape Town or a baggage mishap at Heathrow, we may help replace the essentials (think socks, jocks, and a brush for the ole’ teeth).
- Trip interruption & cancellation: Flights get delayed. Plans change. A last-minute emergency back home in the UK forces you to cut your trip short. We cover trip interruptions and cancellations for specific insured events, so you’re not left out of pocket.
- Adventure activities: Whether you’re cage diving with great whites in Gansbaai or bungee jumping off Bloukrans Bridge, our policies cover over 150 adventure sports and activities - so you can chase the thrills without worrying about the fine print.
Dive into your policy details for the full scoop, and if anything's unclear, contact us.
Air Doctor: When You Need a Doctor, But Not a Hospital
A mild case of food poisoning from a dodgy Durban curry? A run-in with some unfiltered tap water in Johannesburg? Not every medical issue warrants a hospital visit, and that’s where Air Doctor comes in.
With Air Doctor, British travellers can connect with a doctor virtually or find one nearby, so you don’t have to stress about navigating South Africa’s mix of public and private healthcare systems. Whether you need a quick consult, a prescription refill, or minor treatment, Air Doctor helps you get sorted quickly so you can get back to your adventure - minus the downtime.
Ready to explore the wild plains of Africa? Grab your travel insurance quote here.
Annual Multi-Trip (AMT) Policy
If you’re a Brit with a serious case of wanderlust, our Annual Multi-Trip (AMT) policy is designed to keep up. Whether you’re hopping to Spain for a weekend, jetting off to South Africa for a safari, or chasing winter sun in Thailand, AMT covers your baggage, medical emergencies, and trip disruptions across multiple trips - without the hassle of buying a new policy every time you travel.
A Single Trip policy might be better if you’re sticking around South Africa for a longer stretch. Not sure which suits you best? Compare Annual Multi-Trip vs Single Trip Travel Insurance.
What’s not covered?
While World Nomads travel insurance has your back for many unexpected mishaps, there are limits. Here’s what isn’t covered, so you know before you go:
- Unattended valuables: Left your phone on a café table in Cape Town or your backpack unlocked at a hostel? If your valuables go missing while unattended, they won’t be covered.
- Reckless behaviour: Had one too many Castle Lagers and got into trouble? Alcohol - or drug-related incidents aren’t covered - so keep it responsible.
- Extreme adventure activities: Shark cage diving? Covered. BASE jumping off Table Mountain? Not so much. If you have the incorrect level of activity cover or it is specifically excluded, it's out of bounds.
- Ignoring medical advice: If your doctor (or our Emergency Medical Assistance Team) tells you to take it easy, but you ignore them and make things worse, that’s on you.
- Cold feet: Changing your mind about travelling isn’t a covered event - so make sure you're set on your South Africa plans before you book!
5 Key Safety & Travel Tips for UK Travellers in South Africa
- Stay street-smart in cities: Petty crime is common, especially in Cape Town and Johannesburg. Avoid flashing valuables, use ATMs inside banks or malls, and take Uber or Bolt instead of street taxis - especially at night.
- Keep your car doors locked: Whether self-driving or in a taxi, keep windows up and doors locked, particularly at traffic lights. Carjackings can happen, so stay alert and avoid stopping in isolated areas.
- Tap water? It depends. It’s generally safe in major cities but stick to bottled or filtered water in rural areas. Avoid ice cubes in smaller towns and be mindful when brushing your teeth.
- Don’t be that tourist: Self-driving through Kruger? Stay in your vehicle when on safari tours. Tempted to feed a monkey for a photo? Don’t - those little guy’s bite. Wildlife is unpredictable, and you’re in their territory.
- Know the common scams: Watch out for fake "helpful locals" at ATMs, taxi drivers claiming your hotel is “fully booked,” and overpriced souvenir shops where guides get a kickback. Trust your instincts and book activities through reputable sources.
Look for more South Africa inspiration? We’ve written a heap of articles on this awe-inspiring destination!
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?
- Passport pilfered?
- 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 teamTravel insurance when cycling
Take life by the handlebars and check out World Nomads travel insurance plans when cycling on your next overseas adventure.
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Ready to swap the UK drizzle for sunnier cycles abroad? Whether you dream of dodging sheep in New Zealand's trails or weaving through Tuscany's vineyards, consider packing World Nomads travel insurance with your helmet. It could be your backup plan for when those quaint cobbled streets throw a spoke in your wheel, covering everything from scrapped knees to swiped gear. Gear up, get insured, and go!
- How you may benefit from World Nomads travel insurance cover
- What's covered for cycling?
- Know where you’re going and what to do if the unexpected happens
- What's not covered
- Frequently asked questions
How you may benefit from World Nomads travel insurance cover
Hitting the road on two wheels is exhilarating, but every turn brings the unknown – especially abroad. While cycling lets you connect with landscapes and cultures intimately, it also exposes you to risks not present back home. From navigating unfamiliar traffic rules and road conditions to potential mishaps like a fall or a collision with a vehicle, the physical risks are real. And then there's theft – bicycles are a popular target.
When choosing World Nomads products, you’ll have access to two simple and flexible plans – Standard and Explorer. We offer cover (up to the policy limits) for:
- Baggage & Gear protection: With our travel insurance, whether it’s the Standard or Explorer plan, you're protected. If your baggage is delayed for more than 24 hours, we cover the cost of essential items. And if your prized cycling gear is lost or stolen, we’re here to help cover replacement costs. For high-value gear, consider upgrading for coverage up to £750 per item on the Explorer Plan and £400 per item on the Standard Plan, with maximum upgrade limits of £2,250 and £1,200 respectively.
- Emergency overseas medical: cycling through the Alps and taking in the fresh air can be great for the body and the mind, but not if it ends up in a bad injury. Emergency medical coverage will come in handy in the case of an accident, illness or injury.
- Evacuation: your cycling route 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 World Nomads. Note, there is no cover for search and rescue expenses.
- Trip disruption: has a sick or injured travelling companion put a stop to your cycling abroad? You may be able to recover your unused, prepaid travel expenses.
- 24-hour emergency medical assistance: if you find yourself in need of urgent medical help, it’s not always easy to find help. World Nomads provides 24-hour Emergency Medical Assistance.
Traveller tip: always carry enough water, especially in hot climates, and use sunscreen and sunglasses to protect against sunburn and glare.
What’s covered for cycling?
Under both of World Nomads plans – Standard and Explorer – you may be automatically covered. However you may need to upgrade and pay an additional premium depending on the type of cycling activity you'll be doing. United Kingdom travellers could be covered for the following cycling activities:
- Cycling (incidental to the trip): level 1 activity
- Cycling (on an organised tour): Level 2 activity – upgrade required
- Cycling (independent cycle touring): level 3 activity - upgrade required
Note: all our plans are different and may require an upgrade to include cycling at certain altitude. In some instances, you must be with a professional, qualified and licensed cycling guide, instructor or operator. Terms and conditions, limits and exclusions, apply. Read your policy wording carefully to choose the right plan and cycling option for your trip.
For more information on cycling and mountain biking coverage check out our Help Centre article, ‘Am I covered if I'm cycling or mountain biking?’ in the Help Centre which explains what you need to know to be adequately covered. Choose your “for European residents” and you’ll access the most up to date information.
Traveller tip: keep your essential documents (passport, travel insurance details, and emergency contacts) secure in a waterproof pouch.
Know where you’re going and what to do if the unexpected happens
Before you hit the road with your bike, helmet and gear, it pays to arm yourself with these cycling tips for a safer trip:
- Include all countries you’re visiting or traveling through on your policy: as well as all the adventure activities you’re planning to do or participate in. With World Nomads you’ll have a choice of more than 150+ activities, sports and experiences to choose from.
- Check you have all your paperwork: you’ll need to have all the appropriate paperwork, these may include any required vaccinations, visitor permits if you plan to visit any national parks, and special tourist visas for the countries you’ll be visiting,
- Be responsible when choosing a cycling destination or activity: does the cycling tour your planning suit your experience level? Are there any travel or weather alerts for your destination? Have you got a ‘fit for travel’ thumbs up from your doctor to take on the mountains and specific altitudes? Do you need to use an accredited tour provider or operator? Can our 24/7 Emergency Medical Assistance Team reach you if you get into trouble?
- Wear a helmet and visible clothing: this should be a no brainer, but it’s still worth mentioning, as in many countries around the world, the locals don’t wear helmets when cycling. Another no brainer is if you’re planning to ride at night, you should have high vis clothing on yourself, your bike, or both to make sure other riders and vehicles see you.
- Proof of purchase: remember that any claim you make will need supporting documentation such as receipts of your purchases. Keep these with you in printed or digital form if you intend to make a claim.
Travel insurance tip: World Nomads provides travel insurance for more than 150+ activities, sports and experiences. While this list might seem exhaustive, it doesn’t cover everything. That’s why you shouldn’t take for granted that your preferred activities will be covered. You can’t upgrade your level of cover mid-way through your holiday, so do consider this wisely.
What's not covered?
Some things we may not cover include:
- Costs incurred if you refuse to be repatriated after being declared medically unfit to continue your trip.
- Costs incurred if you ignore the advice of your doctor or our 24/7 Emergency Medical Assistance Team.
- Damage to any sporting equipment while in use; loss, damage or theft of any sporting equipment left unattended.
- Pre-existing medical conditions.
- Expenses that can be recovered from another source, e.g., transport carriers or accommodation providers
- Unattended baggage or personal items
- Participating or training in activity or sport at a professional level
- Any search or rescue operations as explained in the policy wording
- Misuse or being under the influence of alcohol or drugs.
- Fraudulent or criminal acts.
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.
Traveller tip: keep a list of local emergency contacts, including medical facilities and the local police, on your person when cycling – just in case.
True Claims Stories
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel 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)
FAQ
Here are our most frequently asked questions about buying travel insurance for cycling. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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How do I claim if my bike or cycling gear is stolen while travelling?
While our policies excludes cover for bicycles, if your cycling equipment is stolen, making an online claim is simple. This article will take you through all the necessary steps (including documentation and timelines).
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Can I upgrade my cycling coverage mid-trip?
Good news is, if you already have World Nomads travel insurance, all our plans cover incidental cycling adventures (T&Cs apply). However, if you’re planning some independent cycling touring, you will need to plan and purchase an appropriate activity cover and pay an additional premium from the beginning, as you cannot upgrade mid-trip.
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What should I do if I need emergency medical assistance while cycling abroad?
Contact our 24/7 Emergency Medical Assistance Team straight away, and they’ll help get you sorted.
Travel Insurance for 150+ Adventure Sports and Activities
Travel insurance designed for adventures while traveling
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Adventure Sports and Activities
For many travellers, one of the most exciting parts of planning an overseas holiday is deciding what activities and sports to play during their trip. Overseas holidays present the perfect chance to indulge in all your favourite sports; or try a new adrenaline pumping activity that you don’t get to do back home in the your country of residence.
No matter whether you’re packing your cricket bat or that expensive pair of hiking boots, it might be worth considering travel insurance when preparing for your trip.
- Adventure sports, travel insurance and what’s covered by our plans
- What activities are covered?
- What’s not covered
- Questions to ask when choosing a plan
- List of Adventure, sport and activities covered
Adventure sports, travel insurance and what’s covered by our plans
Whether you’re picking up a new sport or you’re a seasoned outdoors adventure person, World Nomads offers cover (up to the policy limits) for the following:
Activities and sports cover: travel and adventure go hand-in-hand, that’s why our policies offer cover more than 150 sports, experiences, and activities. While some activities are considered less dangerous, other types of activities such as rock climbing (outdoor) require an insurance upgrade and an additional premium.
Emergency medical and evacuation coverage – if you suddenly become sick or injured at any time during your holiday, seek medical assistance straight away. Contact our 24/7 Emergency Medical Assistance team to advise them of your situation and sort out any further care requirements. They can contact the hospital where you’re staying to arrange payment for your accommodation, treatment, and medications. We may also cover the cost of your repatriation back to your country of residence if your injury or illness is serious enough, in our doctor's opinion. Exclusions, and in some cases excesses, do apply. These medical transport and repatriation benefits are payable, subject to our approval, for up to a maximum of 12 months from the date the sudden illness first manifested or the injury happened.
Baggage and personal belongings coverage – if any of your luggage or personal items are lost, stolen or damaged, then you may be covered for the costs of replacing these. Make sure you have your receipts as you will need to submit these when you claim. Always report any stolen belongings to the local police within 48 hours and request a police report. If there were any witnesses to the incident, then ask them to accompany you to the police station to give their statement. Witness statements should be included with your other supporting documentation.
Extended stays – if you’re having the time of your life on holiday and don’t want to return home to your country of residence just yet, then you may extend your travel insurance policy subject to meeting residential eligibility requirements. Extensions can be approved for up to a maximum of 12 months from the starting date listed on your policy certificate. Applications for policy extensions must be made prior to 11:59pm GMT/BST on the date that your existing policy expires, however we suggest not waiting to the last day to submit your request.
Trip cancellation costs – few things in life are more disappointing than having to cancel a long-awaited holiday due to unexpected sickness or a last-minute injury. Should you or one of your travel companions become injured or sick after making your holiday arrangements, and need to cancel your trip, then we may cover your non-refundable travel expenses such as accommodation and flights. You will need to provide medical evidence to substantiate your claim.
What activities are covered?
While many Brits live and breathe their football and cricket, we also know that our travellers have a vast range of sporting preferences. That’s why we offer cover for over 150 different sports, activities, and experiences. While the list is long, by no means do we cover every single sport or activity.
Always make sure that any planned sports and activities that you’ll be doing are clearly stated. If you’re injured playing a sport that is not listed in your Policy Wording, then any claim you submit, may not be approved.
World Nomads offers two travel insurance plans, the Standard Plan and the Explorer Plan. These plans both offer cover for expenses in connection with hospitalisation, lost luggage, repatriation, and more. However, the Explorer Plan costs more than the Standard Plan as it offers higher policy limits and more benefits.
Note: When travelling to Nepal, select Nepal from the countries list to make sure you are buying the correct cover.
Always read through the Policy Wording to decide which plan is best suited for the activities and sports that you have planned. If you’re not sure if something you’re planning on doing while on holiday is covered, please contact us.
What level of sports and activity cover do I get?
Our travel insurance plans categorise sports and leisure activities into four separate levels. Travellers are covered for all sports and activities listed under the level of cover they select, as well as those leisure pursuits assigned to any lower levels. The following is just a small selection of the sports we cover. Please check your Policy Wording for the full list.
Level 1
- Camping (to a maximum of 3,000 metres)
- Cricket
- Dance (ballet, ballroom, capoeira, salsa, and interpretive dance)
- Roller skating
Level 2
- Rock climbing
- Rugby (League/Union)
- Running (up to marathon distance)
- Water skiing (barefoot)
Level 3
- Mountain biking (downhill)
- Skiing/snowboarding (includes cross country, Nordic on marked trails)
Level 4
- Skiing/snowboarding (terrain park in resort; outside resort boundaries; back country; helicopter/snow; alpine touring)
- Snow rafting
- Mountaineering (to a maximum of 6,000 metres)
- Hiking (to a maximum of 6,000 metres)
- Triathlon (full distance)
Travel insurance tip 1: several of our covered activities or sports are listed on multiple levels to reflect the varying degrees of difficulty or intensity. Always check before you go that you have the right level of cover for your desired activities, as you cannot upgrade to a higher level or add any other sports, after your trip has begun.
What’s not covered
Here are just a few of our travel insurance exclusions. For the entire list, please check your Policy Wording.
- If your behaviour was reckless, or your actions were in violation of the laws of that country.
- Being intoxicated by alcohol or prohibited substances.
- Unattended belongings and luggage that is stolen, lost, or damaged.
- Pre-existing medical conditions unless otherwise expressly stated in your policy.
- Dental treatment that is not undertaken to alleviate any constant pain or discomfort. An example could be an implant procedure to replace a tooth that had been extracted in a surgery that you had years ago.
Questions to ask when choosing a plan
Before selecting a plan, it’s best to know what types of sports and activities you and your travel buddies will be enjoying when you’re overseas. These are just some of the questions for you to consider when picking a travel insurance plan:
- What sports and activities will I be engaging in on my holiday?
- What sports and activities do my friends have planned? Make sure you ask them about their holiday plans to be certain that they don’t have any surprise activities up their sleeves. A spur of the moment decision to play a sport that you’re not covered for might be fun, but would you really want to take such a risk?
- What types of equipment, footwear, or protective clothing will you need for your preferred activities?
- Do you need a licensed tour guide or instructor for any of your leisure activities? If so, have you checked that the person is in fact certified?
- What are the depths of my dives, altitudes of my hikes, or distances of my competitions? These types of details all need to be established before choosing your plan.
Travel insurance tip 2: Where urgent medical assistance is required, get in touch with our 24-hour Emergency Medical Assistance Team as soon as reasonably possible before incurring medical costs. For more information on what to do please refer to the section titled, ‘Health conditions & your policy’ in your Policy Wording.
Overseas activity tips to help you have a safer experience
Are you fit enough for that?
Overseas holidays offer a selection of leisure activities, many of which you may not have ever tried. Before you go trying new experiences, think about your fitness and plan your activities accordingly. Whatever you’re planning, make sure it’s something you’re physically capable of.
The right gear
When participating in a sport or activity, always wear safety gear. For example, wear a helmet when cycling or riding a horse. Before embarking on that mountain climbing adventure, ask yourself if you have the right equipment required for such an undertaking.
Your activity operator should be certified/accredited
Make sure operators are certified and/or accredited by the appropriate body. For example, diving instructors should be registered with the Professional Association of Diving Instructors (PADI).
Keep a watch on your sporting equipment
Nothing beats the feeling of elation that comes from being victorious in a game of sport. Yet before you rush off to hit the bar with your teammates, it’s a good idea to lock up any sporting equipment first. All too often valuable sporting gear and bags are left unattended or even worse, forgotten about.
Opportunistic thieves can take advantage of these situations. No matter how safe you think your sporting gear is, never leave it unattended. If you can’t take your equipment with you or back to your hotel, then place it in a locker or keep it locked in a room.
This is a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the Policy Wording for complete details of cover and exclusions. If you are unsure of your level of travel cover, please contact us for help.
Get a quote today and find out if our policies are right for you.
World Nomads covers more than 150 activities and sports, and if it’s not on the list you can contact us and we’ll let you know if we’ll cover it. You can read more about coverage for some specific activities to see the activities covered by the plans available to you.
We offer cover for:
- 24/7 Emergency Assistance
- Overseas emergency medical expenses
- Cancellation
- Baggage
Important information
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List of Adventure, Sport and Activities covered
Adventure, Sport and Activities
List of Activities covered; including Level 2, 3 and 4 Upgrades:
UPGRADE FOR LEVELS 2, 3, 4 ACTIVITIES
Adventure, sport, work, study and volunteer activities
Level
Special Conditions that apply
Special Exclusions that apply
Abseiling (rappelling, rapping, rap jumping, deepelling, abbing)
1
(a)
(iv)
Aerial safari
1
(a)
(iv)
Aerobics
1
Athletics
1
Badminton
1
Ballet
1
Banana boat rides
1
(a)
Baseball
1
Basketball
1
Biking (see Cycling, Mountain biking)
-
Black water rafting (Cave tubing) (grades 1-3)
1
(a)
(iv)
Boating (inland and coastal waters); see also Speed boating and Sailing
1
(a) or (b)
Excludes: white water; (v)
Boating (outside coastal waters); see also Speed boating, and Sailing
2
(a) or (b) and (c)
(iv); (v)
Bowling / Bowls / Pétanque / Boules
1
Boxing (gym or outdoor training)
2
Excludes competition, bouts
Bungee/Bungy jumping
2
(a)
Camel riding (day tour)
1
(a)
(v)
Camel trekking (overnight/main mode of transport)
2
(a)
(v)
Camogie
2
A helmet must be worn.
(iv); (v)
Camping up to 3,000 metres (see also Hiking, and Mountaineering)
1
Camping up to 4,500 metres (see also Hiking, and Mountaineering)
2
Camping up to 6,000 metres (see also Hiking, and Mountaineering)
4
Caving (sightseeing/tourist attraction/recreational only)
1
(a)
Excludes: where ropes, picks or other specialist climbing equipment is required
Cheerleading
1
Clay pigeon shooting
1
(a) or (b)
(v)
Cricket
1
Cruising (cruise ship)
1
Curling
1
Cycling/Biking (incidental to the trip)
1
(v)
Cycling (independent cycle touring)
3
(v)
Cycling (on an organised tour)
2
(a)
(v)
Dance (ballet, ballroom, capoeira, salsa, interpretive dance)
1
Darts
1
Dogsledding / Sleigh rides (horse drawn): on recognised trails
1
(a)
Excludes: remote areas; racing; time trials; endurance events
Dragon boating (inland or coastal waters only)
1
Elephant riding
1
(a)
Elephant riding (overnight/main mode of transport)
2
(a)
(v)
Fishing/Angling (ice)
1
(a) or (b)
Fishing (inland or coastal waters): sports / leisure only
1
Fishing (outside coastal waters, deep sea fishing): sports / leisure only
2
(a) or (b); and (c)
Fitness training
1
Flag football / rugby / soccer / gridiron: non-contact
1
Flying (as a fare paying passenger in a licensed scheduled or chartered aircraft or helicopter)
1
(a)
Football (Gaelic football)
2
(iv)
Football (Soccer) including 5 a side
1
Frisbee / Ultimate Frisbee
1
Glacier walking / Ice walking
2
(a)
Go karting
1
(a)
(v)
Golf
1
Gym training (aerobics, spinning, Zumba, body pump, weight training, cross training, cross fit) (See also Boxing, and Martial arts)
1
Excludes power lifting
Gymnastics
1
Handball / Tchoukball
1
Hiking / trekking / rambling / bushwalking / fell walking: up to 3,000 metres, on recognised routes
1
Hiking / trekking / rambling / bushwalking / fell walking: up to 4,500 metres, on recognised routes
2
Hiking / trekking / rambling / bushwalking / fell walking: up to 6,000 metres, on recognised routes
4
Hockey
1
Horse riding (leisure/social /non-competitive riding)
1
(a); a helmet must be worn
Excludes: hunting; (v)
Hot air ballooning (ballooning) as passenger only
1
(a)
(v)
Hurling
2
A helmet must be worn
(iv); (v)
Hydro foiling / Kite foiling
1
(a) or (b)
Excludes: jumping; (v)
Ice skating (indoor); excludes ice hockey
1
Ice skating (outdoor) on a commercially managed rink; excludes ice hockey
1
(a)
Jet boating: as a passenger, inland / coastal waters only
1
(a)
Jet skiing: inland / coastal waters, grades 1-2 only
2
(a) or (b)
(v)
Kayaking / Canoeing / Sea kayaking / Sea canoeing: inland/coastal waters, grades 1-3 only
1
Kite boarding / Kite surfing (on land or water); land surfing
2
(v)
Kite buggy
2
(v)
Kite flying
1
Lacrosse
1
LARP (Live action role play)
1
Excludes: battle re-enactments; (v)
Martial arts (Judo & Karate only)
2
(a)
(iv) (v)
Martial arts training (non-contact)
1
Moped riding/Scooter biking on road under 125cc
2
(b); a helmet must be worn
(v)
Motor racing experience (passenger only)
1
(a)
Motorbiking on road under 125cc, including pillion
2
(b); a helmet must be worn
(v)
Mountain biking - downhill (using downhill trails and/or mechanical lifts)
3
(v)
Mountain biking - general (off road/cross country)
1
(v)
Mountaineering to 6,000 metres (with ropes, picks or specialist climbing equipment)
4
Do not venture into any area without taking local advice and appropriate rescue equipment.
(iii) (iv)
Netball / Korfball
1
Orienteering
1
Outdoor endurance course / obstacle course / assault course / trim trail / tough mudder: up to 3 miles
1
Outdoor endurance course / obstacle course / assault course / trim trail / tough mudder: up to 8 miles
3
Outrigger canoeing (inland or coastal waters only)
2
Outward Bound, up to 3,000 metres
1
(a)
Paint balling/Airsoft
1
(a) or (b)
(v)
Parasailing: over water only
1
(a) or (b)
(iv) (v)
Rambling. See Hiking if above 3,000 metres
1
Rifle range/sports shooting
1
(a) or (b)
(v)
River boarding / Hydro speeding (grades 1-3); see also Canoeing.
1
(a)
Rock climbing (indoor)
1
(v)
Rock climbing: outdoor / traditional / bouldering / sport climbing / bolted / aid climbing / free climbing; see also Mountaineering
2
(iv)
Rollerblading / Roller Skating / In-line skating
1
Rowing / Sculling (inland/coastal waters)
1
Excludes: white water rowing; (v)
Rugby (League/Union)
2
(iv) (v)
Running, up to marathon distance; racing exclusion doesn't apply
2
Running/jogging: half marathon distance or less; racing exclusion doesn't apply
1
Safari tours
1
(a)
Excludes: firearms; handling and/or work with dangerous animals; e.g. big cats, crocodiles, alligators, snakes, elephants etc.
Sail boarding (see wind surfing)
Sailing / Yachting (inland/coastal waters)
1
(a) or (b)
(v)
Sailing / Yachting (outside coastal waters)
2
(a) or (b); and (c)
(v)
Sandboarding / Sand skiing
2
(v)
Scuba diving, including Shark cage diving; to 30 metres
1
(e)
Excludes: free diving; cliff diving; (ii)
Scuba diving (unqualified/learn to dive course/discover dive with qualified instructor)
1
(a)
Excludes: free diving; cliff diving; (ii)
Segway tours
1
(a); a helmet must be worn, safety gear
(iv) (v)
Skateboarding (ramp, half pipe, skate park, street)
1
a helmet must be worn, safety gear
Skiing (cross country/Nordic skiing on marked trails)
3
(d)
(i)
Skiing (snowblading)
3
(d)
(i)
Skiing / Snowboarding
3
(d)
(i)
Skiing / Snowboarding: (backcountry/outside of resort boundary/alpine ski touring)
4
(d)
(i) (iv)
Skiing / Snowboarding: (by helicopter/snow cat)
4
(d)
(i) (iv)
Skiing / Snowboarding: (dry slope)
3
(d)
(i)
Skiing / Snowboarding: (terrain park within resort)
4
(d)
(i) (iv)
Skydiving/Parachuting (tandem jumps only)
4
(a) or (b)
(iv) (v)
Sledding / Tobogganing / Snow sleds / Snow sleighs (on snow)
3
(iv) (v)
Snooker
1
Snorkelling
1
Snow rafting / Tubing on snow
4
(a)
(iv) (v)
Softball / Rounders
1
Spearfishing
2
(v)
Speed boating, passenger only: inland/coastal waters only
1
(a)
Squash / Racquetball
1
Stand up paddle surfing/paddle boarding
1
Surfing
2
Swimming (pool; enclosed, inland or coastal waters only)
1
Swimming with whales/whale sharks (inside or outside coastal waters)
1
(a)
Table tennis
1
Tennis / Pickleball
1
Theme parks / Fairgrounds
1
(a)
Trampolining
1
Triathlon up to full distance / Ironman; racing exclusion doesn't apply
4
Triathlon up to middle distance; racing exclusion doesn't apply
2
Triathlon up to sprint distance; racing exclusion doesn't apply
1
Tubing on rivers (grades 1-2 only)
1
(a)
(iv)
Tuk Tuk (as a passenger)
1
(a)
Via Ferrata
2
Volleyball
1
Water skiing / Wake skating / Wakeboarding
1
(a) or (b)
Excludes: jumping; (v)
Walking (see Hiking)
War games (online gaming)
1
War games/military simulation (see Paint balling/airsoft OR Rifle range/sports shooting)
Water polo
1
Water skiing (barefoot)
2
(a) or (b)
Excludes: jumping; (v)
Weight training (see also Gym training)
1
Excludes powerlifting.
White water rafting (grades 1-3)
1
(a)
Windsurfing / Sailboarding (inland or coastal waters only)
1
(v)
Working: professional, clerical or administrative work; working as a classroom teacher, classroom assistant; au pair, nanny or child minder.
1
(v)
Working: retail, bar or hospitality work involving light duties only.
1
(v)
Working: general work and manual work not involving the use of mechanical or industrial machinery, and not working at a height exceeding 2 metres above ground level.
2
(v)
Yoga
1
Zip line
1
(a)
Zorbing
2
(a)
(iv) (v)
-
General Conditions - which apply to all covered activities
We are unable to provide cover for anyone participating in any sport or activity if you are participating in or training:
- For a competition or a tournament at a national level (and where otherwise excluded).
- On a professional or semi-professional basis.
- Water based activities outside coastal waters, except where listed with the covered activity.
- Water based activities on white or black water above grade 3.
- At an altitude between 3,000 and 6,000 metres unless the activity is selected and the additional premium for the Upgrade is paid at time of policy purchase. (No cover is available for activities over 6,000 metres.)
- For any adventure, sport, study, work or volunteer activity listed under Adventure, Sports and Activities Not Covered.
Where noted in the List of Activities at
- UK - https://www.worldnomads.com/uk/travel-insurance/whats-covered/adventure-sports-and-activities
- IE - https://www.worldnomads.com/ie/travel-insurance/whats-covered/adventure-sports-and-activities
- EU - https://www.worldnomads.com/eu/travel-insurance/whats-covered/adventure-sports-and-activities
the following Special Conditions and Special Exclusions apply to some activities in addition to all other policy terms, conditions and exclusions.
-
Special Conditions
Special Conditions:
- You must be with a professional, qualified and licensed guide, instructor or operator.
- You must have the appropriate certification or licence to participate in this sport, activity or experience at home. If operating a motor vehicle, you must have the appropriate licence or certification, relevant to the vehicle in use, in your country of residence and you must hold any other licence for the vehicle and any other licence required by law in the country of operation.
- You must stay within 60 miles of a safe haven (a protected body of water used by marine craft for refuge from storms or heavy seas).
- This policy covers conventional skiing/snowboarding only. It is not a condition of cover that you ski or snowboard with a guide, however, you must follow the International Ski Federation code or the resort regulations; and you should not venture into back country areas without taking local advice and appropriate rescue equipment.
- This policy covers conventional scuba diving only. You are limited to your current qualification limit, unless accompanied by a qualified instructor, taking part in a recognised course requirement of your chosen Diving Association. You must hold a current P.A.D.I. (Professional Association of Diving Instructors), B.S.A.C. (British Sub Aqua Club), SAA (Sub Aqua Association), C.M.A.S. (Confederation Mondiale Des Activites Subaquatiques), or equivalent internationally recognised qualification and follow their relevant Association, Club or Confederation rules and guidelines at all times, or you must only dive under the constant supervision of a properly licensed Diving Instructor and follow their rules and instructions at all times.
-
Special Exclusions
There is no cover for:
- Any competition, free-style skiing/snowboarding, ski/snowboard jumping, ski-flying, ski/snowboard acrobatics, ski/snowboard stunting, or ski/snowboard racing or national squad training, the use of skeletons.
- Any unaccompanied dive, any dive in overhead environments, any dive for gain or reward, solo diving, cave diving, any dive which takes you deeper than your current qualification limits, or any dive deeper than 30 metres under any circumstances.
- Free mountaineering, climbing in remote or inaccessible regions, exploratory expeditions and new routes, high altitude climbing over 6,000 metres, mountaineering expeditions, or expeditions to the Arctic or Antarctica or of a dangerous nature.
- Personal Accident (Section 10 cover excluded)
- Personal Liability (Section 10 cover excluded)
-
Definitions
Work; working: any work, including volunteer work, work placements, incidental work and work experience, whether paid or unpaid, which can be classified as either:
- Non-manual work, which is any professional, clerical or administrative work involving light duties only, including for example a classroom teacher or assistant, au pair, nanny or child minder; or
- Manual work, which is general work other than non-manual work. Manual work includes for example general cleaning, maintenance, bartending, WWOOFing (participating in World Wide Opportunities on Organic Farms) and general farmhand activities.
Level 1 activities in the List of Activities are automatically covered. Your policy can be upgraded to include cover for Level 2, 3 and 4 adventure, sport, work, study and volunteer activities when you select the activity(ies) and pay the additional premium. All activities are subject to the General Conditions:
-
List of Activities NOT Covered under any level
- Acrobatics
- Activities at a professional or semi-professional level
- American football (Gridiron)
- Base jumping; Wingsuit
- Boating on white water
- Bobsled/Bobsleigh
- Boxing competitions or bouts
- Canyoning
- Caving/spelunking: other than sightseeing or tourist attraction
- Cliff diving
- Climbing: exploratory expeditions, new routes, remote or inaccessible regions
- Climbing: high altitude, over 6,000 metres
- Competing; competing at international events as national representative
- Crewing a vessel over 60 miles from a safe haven
- Cycling/biking: intercontinental touring, with a tour operator or independent
- Cycle jumping / BMX / racing / time trial
- Diving/scuba diving: unaccompanied dive / in overhead environments / for gain or reward
- Dogsledding / Sleigh rides (horse drawn): remote areas / racing / time trials / endurance events / on unrecognised trails
- Electronic scootering
- Expeditions to the Arctic / to Antarctica / of a dangerous nature
- Extreme pursuits / Hazardous activities (other than listed)
- Fishing/angling: commercially / rock fishing
- Flying: gliding / ultralight / private light aircraft / stunt flying
- Free Mountaineering
- Free-style skiing / Free-style snowboarding
- Hang gliding
- High diving
- Hiking / trekking / rambling / bushwalking / fell walking / fell running: where ropes, picks or other specialist climbing equipment is required.
- Horse riding (equestrian, dressage, show jumping, eventing)
- Horse riding: racing / jumping / competing
- Hunting
- Ice climbing
- Ice hockey
- Kite wing (land, water, snow)
- Martial arts competitions or bouts
- Moped riding / Motorbiking: touring, or mode of transport to /from home
- Moped riding / Motorbiking over 125cc
- Motorbiking / Trail biking: off-road
- Motor sports
- Mountaineering expeditions
- Outdoor endurance course / obstacle course / assault course / trim trail / tough mudder: over 8 miles
- Paragliding / parapenting / parascending
- Potholing
- Quad biking / ATVs / Dune buggy
- Rock climbing: soloing
- Rollerblading, roller skating and in-line skating stunting / roller derby / roller hockey
- Running: over marathon distance
- Scuba diving / cage diving: deeper than 30 metres
- Skeleton
- Skiing / Snowboarding: (jumping / stunting / ski-flying / acrobatics)
- Skiing / Snowboarding: (racing / competition / national squad training)
- Snowmobiling / Snow kiting / Snow biking
- Speed boating outside coastal waters
- Speed trials
- Work: offshore / underground, including as a guide
- Work: with mechanical / industrial machinery
- Work: with dangerous animals; e.g. big cats, crocodiles, alligators, sharks, snakes, elephants, etc.
- Work as instructor or guide: diving / skiing/ snowboarding / underground, in caves / where ropes or other specialist climbing equipment is required.
- Work: dangerous or extreme pursuits
- Work: at height from 2 metres above ground level
I bit on something hard
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
B.P. U.S Resident in South Africa.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy in an accident?
- Sudden death of an immediate relative?
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?
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
- Injured abroad?
- Need a hospital urgently?
- Medical evacuation home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about adventure activities and sports insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).
-
Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered?
We don't publish a list of doctors or dentists. If you need help finding one, call our assistance teams, and they'll guide to the most appropriate medical professional.
-
Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas. They don't stand in place of primary medical insurance or government healthcare.
