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Travel Insurance for 150+ Adventure Sports and Activities

Travel insurance designed for adventures while traveling

    As featured in:

  • As featured in:

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

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.

a couple snorkelling
A couple snorkelling. Photo credit: Getty images / isitsharp

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.

A couple backpacking in the mountains
A couple backpacking in the mountains. Photo credit: Getty images / Jordan Siemens

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

  • 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)
  • Special Conditions

    Special Conditions:

    1. You must be with a professional, qualified and licensed guide, instructor or operator.
    2. 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.
    3. 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).
    4. 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.
    5. 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:

    1. 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.
    2. 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.
    3. 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.
    4. Personal Accident (Section 10 cover excluded)
    5. 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:

    1. 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
    2. 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.
Claim paid: USD $82.33
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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team

FAQ

Here are our most frequently asked questions about 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. 

Photo © IStock/Getty
  1. World Nomads
  2. Category
  3. Topic
  4. Activity
  5. Scuba Diving

Esportes e Atividades de Aventura

Seguro Viagem criado sob medida para o brasileiro aventureiro.

    As featured in:

  • As featured in:

Esportes de aventura, Seguro Viagem e o que nossos planos cobrem

O mundo é vasto, e isso só pode significar uma coisa – aventura é o que não falta! Na World Nomads, queremos ajudá-lo a aproveitar ao máximo suas férias e o que o planeta tem a oferecer. É por isso que oferecemos um Seguro Viagem que cobre mais de 180 esportes e atividades de aventura. Portanto, se você planeja mergulhar no México ou andar de mountain bike no Himalaia, pode ser uma boa ideia obter um Seguro Viagem para cobrir suas aventuras.

Todo mundo imagina o final perfeito para um dia divertido de ski: contar histórias ao redor de uma fogueira. Mas e se o dia terminar com você contando ao médico como bateu em uma árvore ou quebrou a perna? As coisas nem sempre saem como planejado, então todos os nossos planos incluem assistência de emergência profissional 24 horas por dia na forma de uma linha direta de suporte.

Algumas das situações cobertas pelo seu Seguro Viagem de aventura podem incluir:

Atendimento Médico de Emergência e Evacuação

Se você cair de um buggy enquanto dirige pela areia a quilômetros de qualquer cidade, podemos ajudá-lo a encontrar o hospital mais próximo e até providenciar o transporte para levá-lo até lá o mais rápido possível. Nossa equipe de Assistência Emergencial também pode entrar em contato com sua família no Brasil para informá-los sobre o que pode ter acontecido e seu estado de saúde.

Documentos Extraviados

Se você estiver pescando em alto mar e seus documentos caírem na água enquanto você lida com um atum de 110 kg, seu Seguro Viagem pode providenciar substituições para garantir que suas férias continuem e você possa voltar para casa. Nossa equipe de Assistência Emergencial também pode ajudar aqui, oferecendo orientação a sua família de como enviar dinheiro ao exterior.

Perda de Bagagem
Tudo pronto para os Alpes quando você descobre que a companhia aérea perdeu seus esquis e todas as suas roupas de inverno? Infelizmente, isso pode acontecer, então seu Seguro Viagem de aventura pode reembolsá-lo pelo equipamento de substituição enquanto a companhia aérea resolve as coisas. Lembre-se de preencher toda a papelada adequada no aeroporto e tê-la em mãos para quando estiver pronto para acionar o seguro.

Cancelamento de viagem

Você pode ter terminado a caminhada do dia pelo norte da Espanha sem problemas, mas um de seus amigos pode não ter tido tanta sorte. Se um de seus companheiros de viagem se machucar ou adoecer e você tiver que interromper sua viagem, sua apólice poderá ajudá-lo a voltar para casa e cobrir suas despesas.

a couple snorkelling
A couple snorkelling. Photo credit: Getty images / isitsharp

Que atividades são cobertas?

Existem alguns esportes radicais que nós, brasileiros, amamos especialmente, como o surf e o rapel. Embora muitas modalidades desses esportes estejam incluídas em nossos planos, há outras que são populares entre os brasileiros, como paraquedismo e alpinismo, que podem não estar.

We cover 180 activities you love + more

Snow 28 activities
Water 38 activities
Air 9 activities
Land 61 activities
Sports 54 activities
Experiences 8 activities
  • Scuba diving
  • Surfing
  • Snowboarding
  • Skiing
  • Snow Activities
    • Alpine ski touring Glacier walking Ice hockey Ice skating Ski joring Skidoos Skiing(cross country / nordic skiing on marked trails) Skiing(snowblading(on the designated run, skiing within resort boundaries)) Skiing / snowboarding(dry slope) Skiing / snowboarding(on piste or within resort boundaries) Skiing / snowboarding(terrain park within resort; excluding acrobatics) Sledding or Tobogganing Sleigh rides Snow mobiling Snow rafting Snowmobiling Tubing on snow
  • Water Activities
    • Angling Banana boat rides Black water rafting / cave tubing (grades 1-5) Boating Canoeing Deep sea fishing Dragon boating Fishing Jet boating Jet skiing Kayaking Kite boarding Kite Surfing Kiteboarding on water Outrigger canoeing (inland or coastal waters within 3 nautical miles) River boarding grade 1 - 3 Rowing / Sculling(inland/coastal waters, White Water) Sail boarding Sailing Scuba diving (qualified to 50 metres) Scuba diving (unqualified/discover diving tour with qualified instructor) Sculling Sea canoeing Sea kayaking Snorkelling Stand up paddle surfing Surf boat rowing Surfing Swimming (pool; enclosed, inland or coastal waters within 3 nautical miles only) Swimming with whales/whale sharks (inside or outside coastal waters) Tubing on rivers (also see black water rafting) Water polo Water skiing (barefoot) Water skiing (excluding jumps) White water kayaking (grades 1-3) White water rafting (grades 1-3) Windsurfing (coastal waters within 3 nautical miles only) Yachting
  • Air Activities
    • Abseiling Aerial safari Ballooning Canyon swing Flying (as a passenger in a licensed scheduled or chartered aircraft or helicopter) Flying (as a passenger in light aircraft) Hot air ballooning Passenger in a scheduled air charter Zip line
  • Land Activities
    • Aerobics Air guitar Ballet Bowling Bowling (lawn or ten pin) Bushwalking up to 3,000 metres Camel riding/trekking Camping up to 3,000 metres in elevation Canyoning Caving (sightseeing/tourist attraction) Dance (including interpretive dance) Dog sledding Dune buggy Fell Running/Walking Fitness training Go karting Hiking up to 3,000 metres in elevation Hunting (excluding big game) In-line skating Kite buggy Kite flying Kite wing (land, water) Kiteboarding on land Land surfing Obstacle course/assault course/trim trail Orienteering Outdoor endurance, multi-sport, triathalon (less than ultra distance) Outward Bound Paint balling Potholing and Caving Quad biking Rock climbing (bouldering) Rock climbing (indoor) Roller blading / inline skating Safari tours Sandboarding Sandskiing Segway tours Skateboarding (ramp / half pipe; skate park; street) Snooker Stilt walking Tough Mudder Trekking on recognised routes up to 3,000m Tuk Tuk (hired transport as a passenger) Walking (see hiking) War games (online gaming) Zorbing
  • Sports Activities
    • American football Archery Athletics Badminton Baseball Basketball Capoeira dancingn contact Clay pigeon shooting Cricket Croquet Darts Dodge ball Equestrian activities Fencing Football (soccer) Frisbee Golf Gym training Gymnastics Handball Hockey (field) Horse riding Korfball Lacrosse Martial arts (judo, karate) Martial arts (kickboxing) Martial arts (non-contact) Martial arts training Netball Racquetball Rambling Rifle range/sports shooting Roller hockey Roller skating Rounders Rugby (League/Union) Running / jogging (marathon distance) Soccer Softball Squash Stoolball Table Tennis / Ping Pong Tchoukball Ten Pin Bowling Tennis Trampolining Ultimate frisbee Via Ferrata Volleyball Wakeboarding Wakeskating Weight training Yoga (in class or alone) Yoga (Yoga teacher)
All activities are included in the Standard, Explorer and Explorer Plus Plans.
Antes de viajar, você deve sempre ler as diferentes apólices de seguro da World Nomads - Standard, Explorer e Explorer Plus- para garantir que você tenha cobertura para tudo o que planeja fazer. Verifique também se seus companheiros de viagem estão planejando atividades de aventura para as quais você também deseja obter cobertura. Você não poderá atualizar seu plano existente no meio da viagem, portanto, sempre tome a decisão certa antes de sair de casa.

O que não está coberto

Embora a World Nomads possa oferecer seguro para uma ampla gama de esportes e eventos imprevistos, ela não pode cobrir tudo. A seguir estão algumas situações que não são cobertas:

  • Emergências de saúde relacionadas a quaisquer condições médicas pré-existentes.
  • Esportes ou atividades não cobertos pela apólice que você escolheu.
  • Participação profissional numa atividade ou esporte (ex: mountain biking ou surf profissional).
  • Qualquer coisa que aconteça se você tiver usado drogas ou álcool.
  • Comportamento imprudente ao correr riscos desnecessários.
  • Equipamentos esportivos danificados durante a viagem para o seu destino de férias podem ser cobertos, mas danos durante o uso, não.
A couple backpacking in the mountains
A couple backpacking in the mountains. Photo credit: Getty images / Jordan Siemens

Dicas de atividades de aventura para te ajudar a ter uma experiência mais segura

Escolha os guias certos

Mesmo que apenas para flutuar na piscina do hotel, você deve sempre pensar nos riscos que o rodeiam. Portanto, se você planeja descer algumas corredeiras praticando canyoning, deve estar ainda mais ciente dos riscos que pode enfrentar!

Ao escolher uma operadora turística, verifique sempre se ela está devidamente certificada e registrada para guiá-lo em sua nova e emocionante aventura.

Escolha o equipamento certo

Certifique-se de que está devidamente protegido para os esportes de aventura que planeia praticar. Verifique novamente a rede de segurança do iate de alta velocidade e coloque seu capacete e protetores ao andar de skate.

Esteja ciente de suas próprias limitações

Você pode caminhar todo dia pela cidade, mas isso não significa que seu corpo estará pronto para um dia inteiro de mountain bike nos Altos Pirinéus. Sempre avalie se a atividade na qual deseja se envolver é adequada para seus níveis específicos de condicionamento físico.

Se você tiver alguma dúvida sobre a cobertura, basta nos perguntar – ficaremos felizes em ajudar.

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.
Claim paid: USD $82.33
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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team

Obtenha uma cotação de seguro de viagem

Seguro viagem simples e flexível. Compre em casa ou durante a viagem e faça a solicitação online de qualquer lugar do mundo

Faça uma cotação
A person hiking in front of a mountain

FAQ

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.

Photo © IStock/Getty
  1. World Nomads
  2. Category
  3. Topic
  4. Activity
  5. Scuba Diving

Travel Insurance for 180+ Adventure Sports and Activities

Travel insurance designed for adventures while traveling.

    As featured in:

  • As featured in:

World Nomads covers more than 180 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

Adventure sports, travel insurance and what’s covered by our plans

It’s a wide, wide world, and that can only mean one thing – Adventure! Here at World Nomads, we believe in helping you get the most out of your vacation and the most out of what the planet has to offer. That’s why we offer travel insurance covering more than 180 adventure sports and activities. So if you’re planning on scuba diving in Mexico or mountain biking the Himalayas, it may be a good idea to get travel insurance to cover your adventures.

Everyone envisages the end of a fun day skiing telling stories around a log fire, but what if it ends up with you telling the doctor how you hit a tree or broke your leg? Things don’t always go as planned, so all our policies include round-the-clock professional emergency assistance in the form of a support hotline.

Some of the situations covered by your adventure travel insurance may include:

Emergency Medical Care and Evacuation

If you tumble out of a dune-buggy miles from anywhere, we can help direct you to the nearest hospital and may even be able to arrange the transportation to get you there as soon as possible. Our Emergency Assistance team may also be able to contact your family back in Brazil to let them know what might have happened and how you are getting on.

Lost documents

If you’re out deep-sea fishing when your documents fell overboard while hauling in a 110kg tuna, your travel insurance may be able to arrange replacements to ensure your vacation continues and you’ll be able to get back home. Our Emergency Assistance team may be able to help here as well, offering guidance on getting money wired from overseas.

Baggage Loss

All ready to hit the Alpine slopes only to discover the airline has lost your skis and all your winter clothing? Unfortunately, it can happen, so your adventure travel insurance may be able to reimburse you for replacement gear while the airline sorts things out. Just remember to complete all the proper paperwork at the airport and keep it safe for when you’re ready to claim.

Trip cancellation

You might have finished the day’s trekking across Northern Spain without a hitch, but one of your buddies might not have been so lucky. If one of your traveling companions injures themselves or falls ill and you have to cut your trip short, your policy may be able to help you get back home and cover you for lost expenses.


What activities are covered?

There are some radical sports which we in Brazil particularly love, such as surfing and rappelling. While many forms of these sports are included in our policies, there are others which are popular amongst Brazilians, such as skydiving and mountain climbing, which may not be.

We cover 180 activities you love + more

Snow 28 activities
Water 38 activities
Air 9 activities
Land 61 activities
Sports 54 activities
Experiences 8 activities
  • Scuba diving
  • Surfing
  • Snowboarding
  • Skiing
  • Snow Activities
    • Alpine ski touring Glacier walking Ice hockey Ice skating Ski joring Skidoos Skiing(cross country / nordic skiing on marked trails) Skiing(snowblading(on the designated run, skiing within resort boundaries)) Skiing / snowboarding(dry slope) Skiing / snowboarding(on piste or within resort boundaries) Skiing / snowboarding(terrain park within resort; excluding acrobatics) Sledding or Tobogganing Sleigh rides Snow mobiling Snow rafting Snowmobiling Tubing on snow
  • Water Activities
    • Angling Banana boat rides Black water rafting / cave tubing (grades 1-5) Boating Canoeing Deep sea fishing Dragon boating Fishing Jet boating Jet skiing Kayaking Kite boarding Kite Surfing Kiteboarding on water Outrigger canoeing (inland or coastal waters within 3 nautical miles) River boarding grade 1 - 3 Rowing / Sculling(inland/coastal waters, White Water) Sail boarding Sailing Scuba diving (qualified to 50 metres) Scuba diving (unqualified/discover diving tour with qualified instructor) Sculling Sea canoeing Sea kayaking Snorkelling Stand up paddle surfing Surf boat rowing Surfing Swimming (pool; enclosed, inland or coastal waters within 3 nautical miles only) Swimming with whales/whale sharks (inside or outside coastal waters) Tubing on rivers (also see black water rafting) Water polo Water skiing (barefoot) Water skiing (excluding jumps) White water kayaking (grades 1-3) White water rafting (grades 1-3) Windsurfing (coastal waters within 3 nautical miles only) Yachting
  • Air Activities
    • Abseiling Aerial safari Ballooning Canyon swing Flying (as a passenger in a licensed scheduled or chartered aircraft or helicopter) Flying (as a passenger in light aircraft) Hot air ballooning Passenger in a scheduled air charter Zip line
  • Land Activities
    • Aerobics Air guitar Ballet Bowling Bowling (lawn or ten pin) Bushwalking up to 3,000 metres Camel riding/trekking Camping up to 3,000 metres in elevation Canyoning Caving (sightseeing/tourist attraction) Dance (including interpretive dance) Dog sledding Dune buggy Fell Running/Walking Fitness training Go karting Hiking up to 3,000 metres in elevation Hunting (excluding big game) In-line skating Kite buggy Kite flying Kite wing (land, water) Kiteboarding on land Land surfing Obstacle course/assault course/trim trail Orienteering Outdoor endurance, multi-sport, triathalon (less than ultra distance) Outward Bound Paint balling Potholing and Caving Quad biking Rock climbing (bouldering) Rock climbing (indoor) Roller blading / inline skating Safari tours Sandboarding Sandskiing Segway tours Skateboarding (ramp / half pipe; skate park; street) Snooker Stilt walking Tough Mudder Trekking on recognised routes up to 3,000m Tuk Tuk (hired transport as a passenger) Walking (see hiking) War games (online gaming) Zorbing
  • Sports Activities
    • American football Archery Athletics Badminton Baseball Basketball Capoeira dancingn contact Clay pigeon shooting Cricket Croquet Darts Dodge ball Equestrian activities Fencing Football (soccer) Frisbee Golf Gym training Gymnastics Handball Hockey (field) Horse riding Korfball Lacrosse Martial arts (judo, karate) Martial arts (kickboxing) Martial arts (non-contact) Martial arts training Netball Racquetball Rambling Rifle range/sports shooting Roller hockey Roller skating Rounders Rugby (League/Union) Running / jogging (marathon distance) Soccer Softball Squash Stoolball Table Tennis / Ping Pong Tchoukball Ten Pin Bowling Tennis Trampolining Ultimate frisbee Via Ferrata Volleyball Wakeboarding Wakeskating Weight training Yoga (in class or alone) Yoga (Yoga teacher)
All activities are included in the Standard, Explorer and Explorer Plus Plans.
Before traveling, you should always read through the different World Nomads insurance policies - Standard, Explorer and Explorer Plus - to make sure you get coverage for all you plan on doing. Also check whether your travel companions are planning any adventure activities that you might want to get coverage for as well. You won’t be able to upgrade your existing plan mid-trip, so always make the right decision before leaving home.

 

What’s not covered

While World Nomads may provide insurance for a wide range of sports and unforeseen events, it can’t cover everything. The following are some situations that won’t be covered:

  • Healthcare emergencies related to any pre-existing medical conditions.
  • Sports or activities not covered in the policy you have chosen.
  • Professional participation in an activity or sport (e.g.: professional mountain biking or surfing).
  • Anything that happens if you have taken drugs or alcohol. Water and wine don’t mix!
  • Reckless behavior or taking needless risk.
  • Sports equipment damaged while traveling to your vacation destination may be covered, but damage while in use won’t be.
A couple backpacking in the mountains
A couple backpacking in the mountains. Photo credit: Getty images / Jordan Siemens


Adventure activity tips to help you have a safer experience

Choose the right guide

Even if you’re just floating on a tube in the hotel pool, you should always be aware of the risks surrounding you. So if you’re planning to tube down some canyon rapids, you should be that much more aware of risks you face!

When choosing a tour operator, always check they are properly certified and registered to guide you through your exciting new adventure.

Choose the right gear

Make sure you are properly protected for the adventure sports you plan on doing. Double-check the harness on that high-speed yacht and pop on your helmet and pads when going skateboarding.

Be aware of your own limitations

You may ride around town every day at home, but that doesn’t mean that your body will be ready for a full day’s mountain biking in the high Pyrenees. Always take a step back and sensibly consider whether the activity you want to get involved in is suitable for your specific levels of fitness.

If you have any questions about coverage, just ask us – we’re happy to help.

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.
Claim paid: USD $82.33
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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team

Get a travel insurance quote

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

Get a quote
A person hiking in front of a mountain

FAQ

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.

Photo © IStock/Getty
  1. World Nomads
  2. Category
  3. Topic
  4. Activity
  5. Scuba Diving

Travel Insurance Benefits for Adventure Sports and Activities

Canadian adventurers may be covered for 250+ sports and activities while travelling

    As featured in:

  • As featured in:

At a glance

  • World Nomads offers single trip and annual multi-trip travel insurance plans for Canadian residents that may include 250+ adventure sports and activities
  • Covered activities may include kayaking, cycling, hiking, scuba diving, camping, safari tours and more
  • An optional Adventure Sports Coverage Upgrade is required for coverage for Level 2 and Level 3 activities such as skiing, cliff diving, deep sea fishing, and rappelling 
  • Medical emergencies that happen while participating in covered activities may be covered
  • Prepaid, unused, non-refundable trip costs may be reimbursed if your trip gets cancelled or interrupted
  • You may be covered the depreciated value of lost, stolen, damaged or sporting gear

Why should you consider travel insurance that covers adventure sports and activities?

A recent survey shows that over one-fifth of Canadian travellers identify as adventure seekers. For some that may be rafting in Costa Rica, hiking in Iceland, or taking on the epic bike trails of New Zealand. No matter what adventures and activities you’re planning on your trip though, there are some things you can’t plan for.

If you get hurt while participating in a covered activity, travel insurance may help with emergency medical coverage that could cover things such as a hospital visit, ambulance ride, prescription medication and x-rays. (Just remember, you must have Government Health Insurance Plan (GHIP) coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefit. If you don't, your total limit for all emergency medical expenses is limited to $40,000 CAD). 

If your trip is cancelled or interrupted due to an unforeseen covered event, you may be able to claim for reimbursement of your prepaid, unused, non-refundable travel expenses (up to the maximum benefit limit shown in your policy), and this may include prepaid, unused, non-refundable tours and activities. If your sporting gear is lost, damaged, or delayed for at least 12 hours by your airline, or it’s stolen, travel insurance may be able to help as well. Because of these unexpected situations that can happen while travelling, you may want to consider getting a quote for travel insurance for activities and adventure sports. Level 1 activities such as snorkeling, kayaking, cycling, hiking, scuba diving, camping, safari tours may be included, but you’ll need to purchase an upgrade to be covered for Level 2 and 3 activities such as skiing, cliff diving, deep sea fishing, and rappelling. 

 Important to know 

  • You’ll need to list out all your activities when purchasing a plan, and you may need to pay an additional premium to be covered for Level 2 and 3 activities
  • Coverage doesn’t include participation as a professional athlete
  • Sporting equipment damaged while you’re using it isn’t covered
  • You must report stolen sporting equipment to the police and get a written report
  • Some adventure sports are excluded or have special conditions, so check the list of covered activities and adventure sports and refer to the policy for complete details

Maximum Limits

Standard PlanExplorer PlanEpic PlanAnnual Plan

Emergency Medical Expenses: Up to $1,500,000 CAD 

Trip Cancellation: Up to $2,500 CAD 

Sporting Equipment Theft or Loss by a Common Carrier: Up to $1,000 CAD, with a $250 CAD per-item limit  

Sporting Equipment Delay: Up to $400 CAD 



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Emergency Medical: Up to $5,000,000 CAD 

Trip Cancellation: Up to $10,000 CAD 

Sporting Equipment Theft or Loss by a Common Carrier: Up to $2,500 CAD, with a $500 CAD per-item limit 

Sporting Equipment Delay: Up to $1,000 CAD



Get a quote

Emergency Medical: Up to $10,000,000 CAD 

Trip Cancellation: Up to $15,000 CAD 

Sporting Equipment Theft or Loss by a Common Carrier: Up to $4,000 CAD, with a $750 CAD per-item limit  

Sporting Equipment Delay: Up to $1,500 CAD 



Get a quote

Emergency Medical: Up to $5,000,000 CAD 

Trip Cancellation: Up to $10,000 CAD 

Sporting Equipment Theft or Loss by a Common Carrier: Up to $2,500 CAD, with a $500 CAD per-item limit

Sporting Equipment Delay: Up to $1,000 CAD 



Get a quote
Compare all benefits and plans

Included Activities 

There are over 250 sports, activities and experiences that may be covered by World Nomads Travel Insurance plans for Canadian residents. When you purchase your policy you’ll need to list out all of your activities and pay an additional premium for Level 2 and 3 activities if any fall in that category.

Some examples of activities that may be included in your travel insurance plan include:

Some activities also have special conditions and special exclusions, so make sure you read your policy and understand what is covered under your policy for activities and adventure sports. You can contact us if you have any questions.

If you decide to purchase the Level 2 upgrade, you’ll be covered for all adventure sports and activities that are listed in Levels 1 and 2. If you decide to purchase the Level 3 upgrade, you’ll be covered for all adventure sports and activities that are listed in Levels 1, 2, and 3.

Questions to Ask When Choosing a Plan

It may be tempting to purchase travel insurance coverage without reading the policy wording. However, you should read and understand the policy and ensure it meets your individual travel insurance needs. You’ll want to pick the plan that has the best travel insurance for the adventure sports and activities you’ll be participating in.

When deciding which plan is best matched to your adventures you might want to ask yourself:

  • What kind of activities will I be doing while I’m travelling?
  • What activities are my travel companions planning? Will I want to participate too?
  • What coverage is offered by the different plans for these activities?
  • What exclusions might apply?

World Nomads offers single trip and annual multi-trip plans for Canadian residents, and when you get a quote for travel insurance, you’ll be able to compare the coverage of each plan side by side. You’ll want to familiarize yourself with all the benefits, limits and exclusions before you buy a plan that includes travel insurance for activities and adventure sports. If you’re participating in a Level 2 or Level 3 activity, make sure you upgrade the plan and pay the additional premium. You will need to list all of the activities you will be participating in when you purchase your policy. If you have any questions about what activities are covered, you can contact us.

FAQ

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

  • What types of medical expenses may be covered if I get injured?

    All of the single trip and annual multi-trip plans offered by World Nomads include travel insurance for medical emergencies that may cover a variety of expenses, including:

    • Physician costs
    • Hospitalization
    • Prescription medication
    • Tests needed to diagnose your condition
    • Ambulance transport

    Just remember, you must have Government Health Insurance Plan (GHIP) coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefit. If you don't, your total limit for all emergency medical expenses is limited to $40,000 CAD.

  • Will travel insurance pay for sporting equipment lost by my airline?

    World Nomads adventure sports travel insurance includes coverage for baggage and personal effects and sporting equipment. If your checked bag or sporting equipment is lost or damaged by a common carrier, you may be able to be reimbursed for certain items that you can prove you owned (maximum limits and per-item limits apply). You’ll want to speak to the airline about reimbursement first, though. Your travel insurance for your baggage, personal effects and sporting equipment won’t kick in until you’ve exhausted the benefits from the source of your loss.

    If your sporting equipment is delayed by your airline more than 12 hours on the way to your destination, you could also be reimbursed (up to the maximum limit shown in your policy documents) if you need to rent sporting equipment while on your trip.

  • Do I get my money back for activities I paid for in advance if I have to cancel my trip?

    Trip cancellation coverage is included in all World Nomads Travel Insurance plans for adventure sports and activities, and you may be reimbursed for prepaid, unused, non-refundable expenses such as tours and excursions if your trip is cancelled for a covered reason. Other expenses such as prepaid, unused, non-refundable flights and hotel accommodation may be reimbursed as well.

    If you think there’s a possibility that you may cancel your trip for a reason that isn’t included, you may want to consider the optional ‘Cancel for Any Reason’ add-on. The ‘Cancel for Any Reason’ travel insurance coverage isn’t automatically included, but it’s an optional add-on you can select if you purchase the Explorer or Epic plan within 15 days of paying the first payment or deposit for your trip. With ‘Cancel for Any Reason’ coverage, benefits may be paid for up to 50% of prepaid, non-refundable deposits and payments you made towards your cancelled trip (up to policy limits), as long as you cancel your trip at least 48 hours before the scheduled departure date listed on your policy certificate.

This article is for general informational purposes only. It is not intended to provide medical, legal, insurance, or travel advice and provides only a general summary of certain features that may be available under applicable travel insurance policies. Coverage is subject to the specific terms, conditions, limitations, exclusions, and pre-existing condition provisions of the applicable insurance policy. In the event of any inconsistency between this article and the wording of any insurance policy, the policy wording shall govern and take precedence. It is important that you read and understand your policy before travelling. If you have questions about your coverage or are unsure how your policy applies to your circumstances, please contact us for clarification

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

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

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

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

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

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

Help starts here.

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

Travel Insurance Benefits for Trips With Adventure Sports and Activities

US Residents may be covered for 250+ adventure sports and activities while on a trip

    As featured in:

  • As featured in:

At a glance

  • World Nomads offers plans that include travel insurance benefits and non-insurance services for 250+ adventure sports and activities
  • The Epic and Explorer plans cover even more activities and adventures
  • If you get seriously injured while traveling and participating in covered activities, you may be reimbursed for things such as x-rays, a hospital visit, and prescription medication

Why should you consider travel insurance that may cover adventure sports and activities?

Whether you’re going rafting in Costa Rica, hiking in Iceland, or taking on the epic bike trails of New Zealand, the more you do to prepare for your adventure, the more enjoyable your trip is likely to be. There are some things you can’t always plan for, though, like a trip getting canceled because of a hurricane or fracturing a rib while mountain biking. Because of these unexpected situations that can happen while traveling, you may want to consider getting a quote for a single-trip or annual travel protection plan that includes travel insurance benefits for activities and adventure sports.

What May Be Covered for 250+ Adventure Sports and Activities

Important to Know

  • You can’t participate in any sport on a professional basis
  • Damage to any sports or activity equipment while in use is not covered
  • Only trips more than 100 miles from your home may be covered
  • Some adventure sports are excluded or have special conditions, so check the list of covered adventure sports

Maximum Benefit Amounts for Accident & Sickness Medical Expenses

Standard PlanExplorer PlanEpic PlanAnnual Plan
Up to $125,000 per person

Get a quote		 Up to $150,000 per person

Get a quote		 Up to $250,000 per person

Get a quote		 Up to $100,000 per trip

Get a quote
Compare all benefits and plans

What activities are included?

All plans, including the Standard and Annual Plans, cover more than 250 activities, sports and experiences, and the Explorer and Epic Plans cover even more than that. Some examples of adventure sports and activities travel insurance benefits may cover include:

The Explorer and Epic Plans offer coverage for more adventurous activities as well, like high altitude hiking or cliff diving. The full list of 250+ activities can be found here. If you’re not sure if an activity is covered, you can contact us and ask.

Questions to ask when choosing a plan

It may be tempting to consider the cheapest coverage option without reading the plan wording. However, you’ll want to pick the plan that has the best travel insurance benefits for the specific activities you’ll be participating in.

When deciding which plan is best matched to your adventures you might want to ask yourself:

  • What kind of activities will I be doing on vacation?
  • What activities are my travel companions planning?
  • What coverage do the different plans offer for these activities?
  • What exclusions might apply?

You’ll want to familiarize yourself with all the benefits, limits and exclusions before you buy a plan that includes travel insurance benefits for adventure sports and activities. Contact us if you have any questions about what activities are covered by each plan.

FAQ

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

  • Can I purchase a plan after my trip starts?

    Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan that includes travel insurance coverage for adventure sports and activities online anytime, from anywhere in the world. World Nomads Travel Insurance for U.S. residents takes effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage for a particular activity, you’ll need to buy your insurance at least the day before you need coverage.

  • What should I do if I get hurt while on my trip?

    If you get hurt while participating in a covered adventure sport or activity, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may reimburse the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval.) Access to a 24/7 Non-Insurance Emergency Assistance team is also included for support anytime, anywhere when you purchase a travel protection plan.

  • If the airline loses or damages my sporting gear, will it be covered?

    Your travel insurance benefits for adventure sports and activities includes baggage and gear coverage. If your checked gear is lost or damaged by a common carrier, you may be reimbursed for certain items that you can prove you owned. You’ll want to speak to the airline about reimbursement first though. Your plan is considered secondary coverage, and your travel insurance benefits for baggage and gear may kick in after you’ve exhausted the benefits from the source of your loss.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

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

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

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

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

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

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.
20260117-5117784. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.
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