Travel Insurance for Scuba Diving
Simple and flexible travel insurance to keep you safe on your next dive trip. Buy at home or while traveling, and claim online from anywhere in the world.
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Why should I consider travel insurance when going scuba diving?
Whether you’re an experienced diver or its your first time heading into the deep blue when going diving you may need to have the right level of scuba diving activity under our travel insurance plans
- What am I covered for when scuba diving?
- What's covered?
- What's not covered?
- Key tips when going scuba diving
- Want to know more?
All our plans are different and may require an upgrade to go scuba diving. Read the Product Disclosure Statement (PDS) carefully to choose the right plan and/or adventure sport option for your trip. Terms and conditions and exclusions apply, check your policy for details or contact us.
What are the different levels of activity cover?
There are three different levels of activity and sport coverage under World Nomads policies, these are as follows:
- Level 1 - Automatically covers Level 1 sports, activities & experiences in the Standard Plan and Explorer Plan
- Level 2 - Upgrade required - Also includes Level 1 sports, activities & experiences
- Level 3 - Upgrade required - Also includes Level 1 & 2 sports, activities & experiences.
Simply specify all the sports and activities you have planned for your trip when you get your quote, as you can’t add them afterwards.
What am I covered for when scuba diving?
Under our Standard and Explorer plans there are certain special conditions and exclusions depending on the type of scuba diving experience you’re planning. See our list below to know what you’ll be covered or not covered for:
- Scuba diving (qualified to 30 metres)# (1#) - Covered
- Scuba diving (qualified to 40 metres)# (2#) - Covered
- Scuba diving (unqualified/discover diving tour with qualified instructor)* (1*) – Covered
- Shark cage diving (non-qualified at surface or qualified to scuba dive to 30 metres)*# (1*#) – Covered
- Cavern diving (qualified to 40 metres)*# (3*#) - Covered
- Scuba diving - commercial – Not Covered
- Scuba diving (over 40 metres) – Not Covered
- Cave diving – Not Covered
- Cavern diving (over 40 metres) – Not Covered
- Free diving - Not Covered
(*) You must be with a professional, qualified and licensed guide or operator
(#) You must have the appropriate qualification, certification or license to participate in this sport, activity or experience
Note: sporting equipment that is checked-in is only covered where the carrier requires it be checked-in due to its size or weight. Always carefully read your PDS so you are clear on what is and isn’t covered under each plan. If you are still unsure about coverage you can contact us.
What's covered?
The right travel insurance can be very helpful in keeping your trip on track. World Nomads offers two policies – Standard and Explorer – that provide coverage when backpacking overseas.
Our plans are designed to provide cover for sudden and unforeseen events on your next overseas adventure, such as being left empty-handed when the airline loses your luggage, if you need to see a doctor if you are hurt or feeling unwell, if severe weather interrupts your plans, and for many other reasons.
World Nomads may offer cover for the following (up to the policy limits):
- Cancellation protection: trip cancellations happen from time to time and travel insurance can help when the unexpected forces you to cancel your trip. Depending on what’s happened, we may pay for the value of your unused, non-refundable expenses
- Overseas emergency medical: exploring the world through a scuba diving lens can be a great experience, but not if it ends in sickness or an injury. Your policy may cover you for your overseas medical expenses, up to the policy limits and when agreed by us. You can submit a claim to recover unexpected medical expenses while abroad
- Family cover: it includes overseas medical expenses for up to 12 months after sudden illness or injury. There’s also cover for dental treatment under both Standard and Explorer plans
- Delayed baggage: It can be a pain, however, if it’s been 12 hours and there’s no sign of your bags yet, insurance will cover you for the cost of some basic replacements such as pyjamas, toothbrush, and shampoo
- And much more…
Note: Read your PDS for details on maximum benefit limits, exclusions and terms and conditions of your coverage.
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?
Travel insurance is not designed to cover everything so understanding what’s not covered is important. There are several situations we can cover you for, but there are also some we just won’t cover.
These include, but are not limited to:
- Diving professionally
- Reckless behaviour while diving or doing any activity or sports
- Search and rescue expenses
- Your scuba dive equipment while it is in use
- Diving under the influence of drugs or alcohol
- If you don’t keep your gear safe and secure at all times.
- Expenses that can be recovered from other sources e.g., transport carriers, accommodation providers or other insurance policies
Key tips when going scuba diving:
- Only dive if you are fit to do so. You may need to consult your medical practitioner before going scuba diving and get a ‘fit to travel’ approval.
- Check all your gear to ensure everything is in good working order and then do a buddy check of your fellow divers.
- When scuba diving with a group, listen to your instructor or dive guide regarding the planned route and what to look out for.
- Monitor your air gauge and make sure you have enough air left to get back to the boat.
- Descend and ascend slowly during every dive.
- Only dive with reputable companies using licensed, seaworthy boats and well-maintained dive equipment. Make sure you check your instructor's credentials.
- Don't fly for at least 24 hours after scuba diving. The aircraft's pressurised environment can trigger decompression sickness if you still have excess nitrogen in your system.
- Make sure you have the right level of scuba diving travel insurance and that the kind of diving you plan to do is fully covered.
Want to know more?
Our Help Desk article on scuba diving can help you out if you have any further queries on coverage.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your PDS 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.
World Nomads love scuba diving
As passionate divers ourselves, we’ve designed our plans to cover dives from the Great Blue Hole to The Yongala.
- Recreational scuba diving (qualified divers to 40 meters – an additional premium may apply)
- Learn-to-dive courses or discover scuba dives (with qualified instructors)
- Shark cage diving
- Cavern diving (up to 40 meters – an additional premium applies)
- Snorkeling, island escapes, live-aboard trips, and more
FAQ
Here are our most frequently asked questions about buying travel insurance for scuba diving. You can also find the answers to other questions in our Help Centre or you can ask the customer service team.
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What’s covered when scuba diving?
We’ve tried to give you the freedom to learn or hone your diving skills by helping cover some of those nasty accidents. For further info, click here.
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How do I get to the medical centre if I’m injured underwater?
Contact our emergency assistance team so that they can help you access the care that you need. For further info, click here.
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What if the airline damages my gear?
If your diving gear is damaged by the airline, World Nomads can help cover some of the cost to replace them. Some exclusions apply. For further info, click here.
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Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
It will depend on the situation at the time of the medical emergency! Should you require hospitalisation and/or medical evacuation the insurer will work directly with the hospital and evacuation services on your behalf. They work very hard to ensure you don't have to pay out-of-pocket. However, should you require to visit an urgent care facility they will not accept any insurance, so you most likely will have to pay out of pocket and, upon your claim being approved, be reimbursed for your expenses.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Dive buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Stepped on a stonefish?
- Got a serious squeeze?
- Need 02 or hyperbaric treatment?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Sea level medical evac?
- Need an ambulance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro stolen?
- Bags lost in transit?
- Luggage delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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 ski & winter sports
Simple and flexible travel insurance for skiers and snowboarders. Buy at home or while travelling, and claim online from anywhere in the world.
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As featured in:
Whether you're carving up the slopes, enjoying the crisp powder, or unwinding après-ski, mishaps can occur both on and off the mountain. Whether you're a newbie going to ski school or a seasoned enthusiast chasing winter thrills, World Nomads travel insurance can help if the unexpected interrupts your winter escapade.
- What does World Nomads travel insurance cover for snow sports?
- Choosing the right travel insurance policy for you
- What snow sports activities are covered?
- What’s not covered
- Tips for your winter sports adventures
- FAQs
What does World Nomads travel insurance cover for snow sports?
Depending on the plan and options you choose, our policies can protect you up to policy limits for benefits including:
- Medical treatment, evacuation and repatriation: if you suffer an injury while you’re shredding and need urgent medical assistance, our 24/7 emergency assistance team is here to help you organise treatment, evacuation and get home
- Trip cancellation: if you have to cancel your travel plans
- Baggage and equipment cover: if your gear is lost, stolen or damaged. We may even pay for you to hire replacement ski and snowboard gear depending on your policy.
- Cover for natural disasters: if you have to cancel or rearrange your travel plans due to a natural disaster such as an avalanche or severe weather event
- Activities and sports coverage: we can cover you for up to 150 sports, activities and experiences.
- Coverage for families: our policies can cover up to eight dependents, so you can take the whole family to a winter wonderland!
Choosing the right travel insurance policy for you
We offer two travel insurance plans – Standard and Explorer – each of which offers different levels of coverage and benefits for your winter adventures. It is up to you to choose which plan has the right level of coverage to meet your travel needs and matches your specific snow sports plans.
With World Nomads you can get a quote, make a claim, or extend your policy instantly online, anytime, from anywhere.
What snow sports activities are covered?
As passionate ski bums, we’ve designed our plans to offer cover for the winter activities that our Nomads love the most. We can cover:
- Skiing and boarding within resorts, including off-piste
- Backcountry Skiing and boarding
- Cross-country skiing on marked trails
- Terrain parks, heli-skiing & heli-boarding (some plans only, check yours carefully)
- Sledding and tobogganing
- Snowmobiling, ice skating, snow rafting and more.
It’s important to note that all plans are different and may require an upgrade and/or you to have a relevant licence, qualification or use the services of a qualified guide for cover to apply. Read the Policy Document carefully to choose the right plan and/or adventure sport option for your trip. If you’re not sure whether the snow sports you want to do are covered, contact us.
What’s not covered
While there are several things we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:
- Any competition, free-style skiing / free-style snowboarding, ski/ snowboard jumping, ski-flying, ski / snowboard acrobatics, ski / snowboard stunting, or ski racing or national squad training
- Any of your ski or winter sports items lost, stolen or damaged that are unsupervised or unattended, that are over 3 years old or while in use
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure
- Any adventure activities or sports that aren’t covered by our policies or where you don’t purchase the appropriate level upgrade
- Any existing medical conditions
- Any costs related to illegal activities or being under the influence of drugs or alcohol.
Tips for your winter sports adventures
Whether you’re a pro skier or planning your first ever winter trip overseas, these tips may be helpful when planning your next winter getaway:
- It pays to be prepared: check the weather, check your equipment, and check the credentials of your ski instructor – if any seem unreliable then reconsider if it’s a smart move to go.
- Don’t get in over your head: be responsible when choosing a skiing or snowboarding destination or winter sports activity. Does it suit your experience level? Are you using an accredited tour operator?
- Keep an eye on your ski gear: don’t leave your expensive ski and winter sports gear or any other baggage unattended - those 'I spaced out” moments might not qualify for coverage.
- Proof of purchase: any claim you make will need supporting documents such as receipts of your purchases. Keep these with you in printed or digital form if you intend to make a claim.
- Be responsible: choose a ski tour operator that promotes responsible tourism, works as part of the local community, as well as actively helps to conserve the environment.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document 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 contact us.
The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.
FAQ's
Here are our most frequently asked questions about skiing and snowboarding. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Does World Nomads travel insurance cover skiing and snowboarding accidents overseas?
Our policies can cover skiing and snowboarding accidents overseas. There’s cover for emergency medical expenses, evacuation if required and even repatriation back home.
It’s important that you select the snow sports activities you intend to do when purchasing your policy. If you don’t declare the snow sports activities you intend to do, you may not be covered if you suffer an accident on the slopes. Restrictions apply to certain winter sport activities, so be aware of this so you’re covered if something goes wrong.
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Are winter sports equipment covered by World Nomads travel insurance?
We can cover your ski and snowboard equipment if it is damaged, lost, stolen or delayed. Our Explorer plan even covers you for hire of replacement equipment so your time on the slopes isn’t affected! Our travel insurance plans offer different limits of cover for baggage, so be sure to choose the plan that best meets your needs. Keep in mind that we can’t cover damage to sporting equipment while in use, loss, damage or theft of any sporting equipment left unattended or sporting equipment more than three years old. Terms and conditions apply.
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Do you cover trip cancellations due to adverse weather conditions on the slopes?
If your snow trip is cancelled, delayed or restricted due to a severe weather event or natural disaster, our policies provide cover for the value of your unused travel arrangements, less any refunds you receive, up to the benefit limit of your plan. If your trip is affected by adverse weather conditions, be sure to get supporting documents for your claim.
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Is snow sports cover just for medical expenses?
Snow sports cover provides cover for the unexpected, whether that’s a medical situation on the slopes, your gear is lost or delayed, or your trip is cancelled due to an avalanche. Our policies can help protect you against those unexpected situations.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Ski buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Slipped on ice?
- Tore your ACL or MCL?
- Popped a shoulder?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Road or air ambulance?
- Flight assistance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro stolen?
- Bags lost in transit?
- Luggage delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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 ski & winter sports
Simple and flexible travel insurance for skiers and snowboarders. Buy at home or while travelling, and claim online from anywhere in the world.
- As featured in:
As featured in:
It doesn’t matter whether you’re all about the big dumps, fresh powder or apres-ski, accidents can happen on and off the piste, even for the most experienced powder hound. If you’re learning on your first trip or you’re a ski bum chasing seasons, World Nomads travel insurance can help if the unexpected hits your next winter adventure.
- What does World Nomads travel insurance cover for snow sports?
- Choosing the right travel insurance policy for you
- What snow sports activities are covered?
- What’s not covered
- Tips for your winter sports adventures
- FAQs
What does World Nomads travel insurance cover for snow sports?
Depending on the plan and options you choose, our policies can protect you up to policy limits for benefits including:
- Medical treatment, evacuation and repatriation: if you suffer an injury while you’re shredding and need urgent medical assistance, our 24/7 emergency assistance team is here to help you organise treatment, evacuation and get home
- Trip cancellation: if you have to cancel your travel plans
- Baggage and equipment cover: if your gear is lost, stolen or damaged. We may even pay for you to hire replacement ski and snowboard gear depending on your policy.
- Cover for natural disasters: if you have to cancel or rearrange your travel plans due to a natural disaster such as an avalanche or severe weather event
- Activities and sports coverage: we can cover you for up to 150 sports, activities and experiences.
- Coverage for families: our policies can cover up to eight dependents, so you can take the whole family to a winter wonderland!
Choosing the right travel insurance policy for you
We offer two travel insurance plans – Standard and Explorer – each of which offers different levels of coverage and benefits for your winter adventures. It is up to you to choose which plan has the right level of coverage to meet your travel needs and matches your specific snow sports plans.
With World Nomads you can get a quote, make a claim, or extend your policy instantly online, anytime, from anywhere.
What snow sports activities are covered?
As passionate ski bums, we’ve designed our plans to offer cover for the winter activities that our Nomads love the most. We can cover:
- Skiing and boarding within resorts, including off-piste
- Backcountry Skiing and boarding
- Cross-country skiing on marked trails
- Terrain parks, heli-skiing & heli-boarding (some plans only, check yours carefully)
- Sledding and tobogganing
- Snowmobiling, ice skating, snow rafting & more.
It’s important to note that all plans are different and may require an upgrade and/or you to have a relevant licence, qualification or use the services of a qualified guide for cover to apply. Read the Product Disclosure Statement carefully to choose the right plan and/or adventure sport option for your trip. If you’re not sure whether the snow sports you want to do are covered, contact us.
What’s not covered
While there are several things we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:
- Any competition, free-style skiing / free-style snowboarding, ski/ snowboard jumping, ski-flying, ski / snowboard acrobatics, ski / snowboard stunting, or ski racing or national squad training
- Any of your ski or winter sports items lost, stolen or damaged that are unsupervised or unattended, that are over 3 years old or while in use
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure
- Any adventure activities or sports that aren’t covered by our policies or where you don’t purchase the appropriate level upgrade
- Any existing medical conditions
- Any costs related to illegal activities or being under the influence of drugs or alcohol.
Tips for your winter sports adventures
Whether you’re a pro skier or planning your first ever winter trip overseas, these tips may be helpful when planning your next winter getaway:
- It pays to be prepared: check the weather, check your equipment, and check the credentials of your ski instructor – if any seem unreliable then reconsider if it’s a smart move to go.
- Don’t get in over your head: be responsible when choosing a skiing or snowboarding destination or winter sports activity. Does it suit your experience level? Are you using an accredited tour operator?
- Keep an eye on your ski gear: don’t leave your expensive ski and winter sports gear or any other baggage unattended - those 'I spaced out” moments might not qualify for coverage.
- Proof of purchase: any claim you make will need supporting documentation such as receipts of your purchases. Keep these with you in printed or digital form if you intend to make a claim.
- Be responsible: choose a ski tour operator that promotes responsible tourism, works as part of the local community, as well as actively helps to conserve the environment.
FAQ's
Here are our most frequently asked questions about ski and snowboarding. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Does World Nomads travel insurance cover skiing and snowboarding accidents overseas?
Our policies can cover skiing and snowboarding accidents overseas. There’s cover for emergency medical expenses, evacuation if required and even repatriation back home.
It’s important that you select the snow sports activities you intend to do when purchasing your policy. If you don’t declare the snow sports activities you intend to do, you may not be covered if you suffer an accident on the slopes. Restrictions apply to certain winter sport activities, so be aware of this so you’re covered if something goes wrong.
-
Are winter sports equipment covered by World Nomads travel insurance?
We can cover your ski and snowboard equipment if it is damaged, lost, stolen or delayed. Our Explorer plan even covers you for hire of replacement equipment so your time on the slopes isn’t affected! Our travel insurance plans offer different limits of cover for baggage, so be sure to choose the plan that best meets your needs. Keep in mind that we can’t cover damage to sporting equipment while in use, loss, damage or theft of any sporting equipment left unattended or sporting equipment more than three years old. Terms and conditions apply.
-
Do you cover trip cancellations due to adverse weather conditions on the slopes?
If your snow trip is cancelled, delayed or restricted due to a severe weather event or natural disaster, our policies provide cover for the value of your unused travel arrangements, less any refunds you receive, up to the benefit limit of your plan. If your trip is affected by adverse weather conditions, be sure to get supporting documents for your claim.
-
Is snow sports cover just for medical expenses?
Snow sports cover provides cover for the unexpected, whether that’s a medical situation on the slopes, your gear is lost or delayed, or your trip is cancelled due to an avalanche. Our policies can help protect you against those unexpected situations.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Ski buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Slipped on ice?
- Tore your ACL or MCL?
- Popped a shoulder?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Road or air ambulance?
- Flight assistance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro stolen?
- Bags lost in transit?
- Luggage delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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 kayaking
Everything you need to know about travel insurance for kayaking and rafting
- As featured in:
As featured in:
- What Kayaking and Rafting do we cover
- What do those Grades Mean?
- Choosing the Right Policy For You
- What is Covered by World Nomads Travel Insurance?
- What's not covered?
- Safety tips and handy hints for your paddling trip
Going Kayaking or Rafting on your Holiday?
Exotic sunsets, the water lapping at your bow, hurtling down river rapids; experiences on the water are often the most unforgettable part of any holiday. From paddling with the family on Lake Superior, to sea kayaking the turquoise waters around Indonesia’s Raja Ampat archipelago, get your next holiday flowing on a kayaking or rafting adventure.
What Kayaking and Rafting do we cover?
When you get a travel insurance quote for your kayaking or rafting trip, you need to specify the adventure activity in your policy. If you don’t, you may not be covered.
When you 'choose your options', select your kayaking/rafting activity according to the following activity category:
- Kayaking: (inland/coastal waters within 3 nautical miles, grades 1-5)
- Sea Kayaking: (Beyond 3 nautical miles)
- Sea Kayaking: (inland/coastal waters within 3 nautical miles, grades 1-5)
- White Water Kayaking (inland/coastal waters within 2 nautical miles, grades 1-5)
What do those 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 (unfortunately we can’t offer cover for this class/grade of kayaking or rafting)
We offer cover for river grades (also known as classes) from Class 1 to Class 5.
Choosing the Right Policy For You
We offer two plans – Standard and Explorer – each of which offers different levels of coverage. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific activity plans.
Depending on the type of kayaking or rafting activity you’re planning on doing, you may need to pay for an upgrade to be covered.
For example, if you are venturing more than 3 nautical miles from your kayaking/rafting point of departure an additional specified item is required on our policies. This means your travel insurance policy will require an additional premium so that you can be covered. If you are kayaking/rafting more than 3 nautical miles and you haven't specified this on your World Nomads policy, you won’t be covered!
If you’re not sure whether your kayaking or rafting adventure is covered, you can contact us.
What is Covered by World Nomads Travel Insurance?
Our policies may cover you on your kayaking and rafting adventures (up to the policy limits) for:
- Emergency medical: Emergency medical coverage could come in handy if you suffer an accident or injury that results in you going to hospital. Find more info here.
- Evacuation cover: your water adventure may be far away from medical facilities. With our cover, you can get transported to the medical facility best for your care, subject to approval from our 24/7 Emergency Assistance Team. If your injuries are worse than first thought, you could be repatriated back to your Country of Residence. Click here to learn more.
- Trip cancellation or disruption: if your trip is cancelled or interrupted due to an unforeseen event, you may be able to recover your travel expenses.
- Natural catastrophe: If you find yourself amid a natural disaster, or your destination is affected by extreme weather, we can offer coverage if you can’t use your booked accommodation or need to move to a safer location.
- And more! Check out what else is covered on our policies.
Keep in mind that benefit limits, terms and conditions and exclusions apply depending on your Country of Residence, so be sure to read your policy wording carefully. If you have any questions about your cover, contact us.
Rafting and kayaking: What’s not covered
While there are several 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:
- Any Class 6 kayaking or rafting trips – sorry, but that’s a no-go for us.
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
- Any pre-existing medical condition unless otherwise expressly stated in your policy.
- Participation in a sport or activity not listed as covered in the policy wording or agreed by World Nomads or where you haven’t paid the required additional premium.
- Expenses you incur after you return to your Country of Residence.
- Working or participating professionally in any activity or sport.
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 cover.
- 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.
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.
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 teamTrue stories from the claims department
The best of the worst. Real stories from our nomads around the world.
- As featured in:
As featured in:
Why it pays to consider travel insurance
A broken leg in Thailand
I fell on my side and heard the sound of dry stick breaking, I realized my leg was broken, then I just lay on the beach... The first phone call I got was from World Nomads and they basically told me, you don't worry about this Anton, just focus on getting better...and we'll take care of the rest.
World Nomads customer from Iceland
More true travel claims stories
True Claims Stories
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- 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 team
