Travel Insurance for 150+ Adventure Sports and Activities
Travel insurance designed for adventures while traveling
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As featured in:
World Nomads travelers love experiencing the culture and places they visit, which is why we’ve designed our travel insurance plans to offer cover for more than 150 adventure sports and activities from hiking, zip lining, dog sledding, scuba diving, snow skiing, white water rafting and more.
Coverage varies between plans, so its important to take the time to understand what activities you are likely to do, and the difference between our plans.
- Adventure sports, travel insurance and what’s covered by our plans
- What activities are covered?
- What’s not covered
- Questions to ask when choosing a plan
Adventure sports, travel insurance and what’s covered by our plans
Sometimes things don’t go quite as expected, so if you take a tumble out of that sled, or fall out of the raft and are injured, travel insurance may be able to help. All our plans include cover for
24/7 emergency assistance: our teams are available to take your call and can help you negotiate the medical systems and possible language barriers wherever you are.
Some of the benefits our policies offer that might help if you’re injured while participating in a covered sport or activity include:
- Overseas emergency medical treatment: includes cover as needed for hospital stays, medical costs, tests such as x-rays, drugs and medicine.
- Medical evacuation: if needed – travel insurance can help with evacuation and ambulance services, and in the worst case scenario repatriation back home.
- Trip interruption: if your trip is cut short because of a medical event whilst participating in a listed adventure sport or activity, you could be reimbursed for your pre-paid, non-refundable travel costs.
- Baggage: travel insurance may be able to help if your sport equipment is damaged or lost in transit. Note it won’t be able to help if you snap your board while surfing, as exclusions apply to sports equipment in use.
What activities are covered?
With more than 150 sports and activities covered under our Standard and Explorer plans, you can get the most out of your holiday. You can find the full list of sports and activities covered here – select your Country of Residence to see those that apply to you. If you’re not sure if something you’re planning on doing while on holiday is covered, please contact us.
Questions to ask when choosing a plan
When choosing a policy, you should consider your plans and any activities you might choose to do, and the cover available. Once purchased, you can’t upgrade your policy – you can however buy a new policy even if you’re already overseas.
We have two policies to choose from – Standard and Explorer. While both plans cover a wide range of sports and activities, activity terms and conditions can vary between them. This means you may find the Explorer Plan has more generous activity conditions and limits than the Standard Plan. You should also note that depending on your Country of Residence, you may be required to add the activity at the time of the purchase, in order to have coverage for it.
When deciding which policy is best suited to your adventures you might want to consider:
- What kind of activities will I be doing on holiday?
- What activities are my travel buddies planning?
- What cover do the two different plans offer for these activities?
- What exclusions might apply?
It’s important you choose your policy carefully as you can’t upgrade from a Standard Plan to an Explorer Plan mid-trip.
What’s not covered
There are also things we just won’t cover. These include, but are not limited to:
- Any pre-existing medical condition unless otherwise expressly stated in your policy.
- Participation in a sport or activity not listed as covered in the policy wording or agreed by World Nomads.
- Participating professionally in any activity or sport (eg: medical volunteering).
- incidents that occur if you are intoxicated with drugs or alcohol.
- Reckless behavior or taking needless risk.
- Extreme sports, other than what is listed as covered.
- Participation as a professional in athletics.
- Sporting equipment damaged while in use.
Overseas adventure activity tips to help you have a safer experience
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).
The right gear
When participating in a sport or activity, always wear safety gear. For example, wear a helmet when cycling or riding a scooter.
Health and fitness
Think about your fitness and plan your activities accordingly. Whatever you’re planning, make sure it’s something you’re physically capable of.
There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Of course, always read the full terms, conditions limitations and exclusions in the plan you choose so there’ll be no surprises if you need to use it. And if you’ve any more questions, please get in touch.
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, or select your Country Of Residence and click here to see the activities covered by the plans available to you.
We offer cover for:
- 24/7 Emergency Assistance
- Overseas medical assistance
- Cancellation
- Baggage
I bit on something hard
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
B.P. U.S Resident in South Africa.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.
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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).
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Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered?
We don't publish a list of doctors or dentists. If you need help finding one, call our assistance teams, and they'll guide to the most appropriate medical professional.
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Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas. They don't stand in place of primary medical insurance or government healthcare.
Travel insurance when visiting France
What you should consider when buying travel insurance for a trip to France.
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Steeped in cultural icons, surrounded by some of the world’s best mountains and coastlines, and with more delicious cheese and wine than you could ever want, it’s understandable why France is high on many traveler’s itineraries.
- What’s covered
- Should I consider travel insurance for a trip to France?
- What to look out for when traveling around France
- What’s not covered
- Tips for traveling in France
What’s Covered
Here are some of the highlights of our coverage, depending on your Country of Residence and the plan you’ve selected:
- Emergency overseas medical: if you become sick or injured during your trip your policy may cover you for overseas medical expenses, up to the policy limits and when agreed by us.
- Travel delays/interruption: if your trip is interrupted due to an insured event. Depending on your country of residence and which plan you’ve selected you may be covered for your non-refundable, pre-paid transport and accommodation expenses.
- Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost. Terms and conditions apply. You’ll need official reports, supporting documentation and copies of your receipts if you need to make a claim.
- Adventure activities and sports: we cover more than 150 activities, sports and experiences across land, water and sky. Check before you buy that your adventure is covered and find out what policy upgrade options may be available.
- Cover for some Coronavirus-related events: to find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, terms and conditions, and exclusions.
Please note that all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any options or upgrades you buy.
Should I consider travel insurance for a trip to France?
France is Europe’s 3rd largest country, which means there is a lot to see and do. In most cases, traveling goes without a hitch, but considering the right travel insurance for you can take the added stress out of travel if things don’t go to plan.
Families
Traveling as a family can be an incredibly rewarding experience, and France is the perfect destination with plenty of family-friendly locations and activities on offer. Our policies can help cover for medical emergency, pregnancy and Covid, trip interruption and also provide 24/7 worldwide emergency assistance. Cover includes two adults and up to eight dependents on one policy.
Multi-Destination Trips
If you’re making your way around Europe and visiting France on your travels, travel insurance can cover medical emergencies and evacuation, stolen items, and more than 150 adventures, sports and activities including volunteering and working.
If you’re traveling to multiple European countries, World Nomads can help with:
- Translation and interpreting services in case of an emergency
- Physician referrals
- Pre-trip information
Summer Adventures
You can enjoy your summer travels around France knowing our policies may cover you for a range of activities including hiking trips around the mountains of Chamonix, road trips in Provence, kayaking & rafting and even sailing the Cote D’Azur.
We offer two plans depending on your country of residence – Standard and Explorer. Each policy provides different levels of coverage depending on what you need:
- The Standard Plan covers a range of benefits and has lower coverage limits.
- The Explorer plan covers all the benefits of the Standard plan, with larger coverage limits, more benefits.
Simply specify all the activities you have planned for your trip when you get your quote, as you can’t add them afterwards. Terms and conditions apply, check your Policy Wording for details or contact us.
Winter Travel
From taking the family ice-skating on the rink at Champs-Elysees, to hunting for black truffles in the snow-dusted forests of Perigord, or sipping hot chocolate in between snowboard sessions in the French Alps, our travel insurance can cover you for more than 150 adventures, snow and winter sports activities, medical emergencies and even extended stays if you are enjoying your winter escape to France too much.
What to look out for when traveling around France
- Keep an eye on your gear 24/7: It’s very important that you NEVER leave your valuables out of sight. You should also make copies of all key documents you’ll be traveling with — passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets — and keep them separate from the originals while abroad so you’ll have backups and proof of purchase if anything happens.
- Baggage theft or loss: if you’re on a road trip and your rental car gets broken into, or your airline loses your bags, you may be able to claim to replace the item or claim for essential clothing and toiletries while you wait for your bag to be returned.
- Rental car coverage and road safety – France is the perfect place for a road trip, with so many different regions to explore. Available on our Explorer plan, we may cover your rental vehicle insurance excess, or the cost of repairing the rental vehicle if you’re involved in a motor accident or your rental vehicle is damaged or stolen.
- Pickpockets: Whilst France is amongst the safest countries to travel to there is always the chance that you might end up being pickpocketed in a tourist hotspot. If your items are stolen travel insurance could help replace them.
What’s not covered
Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:
- Pre-existing medical conditions – see the Policy Wording for details.
- Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the U.S. Department of State (see travel.state.gov).
- Unattended baggage or personal items, including any items left in a locked car overnight.
- If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
- Participation in a sport or activity where you fail to adhere to the terms of coverage for listed sports or activities.
- Being intoxicated by alcohol or drugs.
Note: be sure to read the Policy Wording, terms, conditions and General Exclusions for other scenarios and expenses we don’t cover so there’ll be no surprises if you need to use your cover.
Tips for traveling in France
- Always check the Visa requirements – depending on your Country of Residence you may require a Visa to visit France or any of the other Schengen countries.
- Pack light – especialy if you’ll be traveling around France using public transport.
- Book attraction tickets in advance – if you know your plans then consider booking ahead for popular tourist sites such as the Eiffel Tower, Palace of Versailles and the Louvre as tickets can sell out and some attractions require pre-booking.
This is not a full list of what's covered and what's not; please check your Policy Wording for a full list of terms, conditions, limitations and exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.
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 team
