Scuba Diving Travel Insurance Coverage
Travel Insurance for Scuba Diving Trips for US Residents
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At a glance:
- All World Nomads plans cover:
- Scuba diving up to 165 feet/50 meters
- Higher-tier plans offer coverage for:
- Cave diving up to 196 feet/60 meters
- Free diving up to 196 feet/60 meters
- Shark cage diving
- Working as a scuba diving instructor or guide
- Commercial diving up to 165 feet/50 meters
- Coverage for injuries and medical transport if you're seriously hurt while scuba diving, including the use of compression chambers if needed.
- Transportation if your condition is severe, acute or life threatening and adequate medical treatment is not available in your immediate area. Additional terms apply.
- Reimbursement for canceled scuba diving tours, delays, or interruptions due to covered events.
- Helps cover lost, stolen, or damaged scuba diving gear and luggage.
- Why should I consider travel insurance for my scuba diving trip?
- Scuba diving travel insurance and non-insurance services for scuba diving: What services may be covered?
- What level of travel insurance coverage do I need for my scuba diving trip?
- What may not be covered when scuba diving?
- Top safety tips we recommend for your scuba diving trip
- FAQs
You’ve gotten your PADI certification and now you’re ready to explore beneath the ocean’s surface. From coral reefs in the Caribbean to shipwrecks in Australia, there’s no shortage of divine dive sites around the world. And while calm waters, crystal clear visibility, and a bulletproof dive plan might make for the perfect underwater adventure, accidents can still happen. Our travel protection plans include a range of adventure travel insurance benefits that may help with everything from stolen bags to unexpected medical expenses.
Why should I consider travel insurance for my scuba diving trip?
A slip and fall on the dive boat, decompression sickness, jellyfish stings, and ear barotrauma are just some of the unexpected issues that could derail even the most carefully planned dive trip. Travel insurance and non-insurance services designed for scuba diving may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently – whether you're diving among the abundant marine life in the Florida Keys or alongside the Great Wall of China (yes, that’s possible!).
Scuba diving travel insurance and non-insurance services for scuba diving: What services may be covered?
As divers ourselves, we’ve designed our plans to cover scuba diving while traveling. We also offer coverage for losses related to more than 250 other sports, activities and experiences.
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Emergency Medical Expenses
For decompression sickness and cuts from coral when scuba diving -
24/7 Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation, on or off the water -
Baggage & Gear Coverage
Damaged or stolen diving gear, or lost luggage on the way to you diving destination -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather throws a wrench into your plans.
Terms, conditions, and limitations apply to all mentioned coverages. Get a quote and compare the plans to see which level of coverage is right for you.
All plans also include several additional non-insurance services that may support you both before and during your trip. These include delayed or lost baggage tracking and delivery, portable health records, and pre-departure telehealth services.
What level of travel insurance coverage do I need for my scuba diving trip?
World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even if your main goal is to go scuba diving, you’ll probably be doing other fun things like sailing or kayaking. That’s totally fine, because you could be covered for more than 250 other sports, activities and experiences.
- The Standard and Annual plans cover scuba diving up to 165 feet/50 meters.
- The Explorer plan covers more activities, including shark cage diving, cave diving, and serving as a scuba diving instructor or guide up to 165 feet/50 meters. It also includes free diving up to 196 feet/60 meters and has higher limits of coverage.
- The Epic plan covers everything the Explorer plan covers, plus even more activities – including cave diving up to 196 feet/60 meters and commercial scuba diving up to 165 feet/50 meters. It also has the highest benefit limits of coverage.
Get a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
What may not be covered when scuba diving?
- Scuba diving under the influence of drugs or alcohol
- Unattended baggage, sporting equipment or personal items
- Scuba diving or traveling within 100 miles of your home
- Scuba diving without the proper certification (like PADI or NAUI), unless it is a discovery course with an instructor
- Diving if your doctor has advised against it
- Dives that are deeper than your adventure travel insurance coverage allow
Top safety tips we recommend for your scuba diving trip
- Research your dive company: Only dive with reputable companies using licensed, seaworthy boats and well-maintained dive equipment.
- Don’t dive without proper certifications: Make sure you’ve gone through the proper coursework through PADI or NAUI based upon the type of dive you’ll be doing. If you don’t have the proper certification for your dive, you may not be covered by your travel insurance plan.
- Check (and double check) your scuba gear before getting in the water: Make sure everything is working properly and if you’re unsure about anything, let your guide know.
- Don’t dive alone or swim off on your own: Even if you see something cool underwater, don’t go check it out alone – you and your dive buddy need to stay together. Always know where your guide and buddy are at all times.
- Keep an eye on your air gauge: Monitor this closely so you can plan your return to the surface accordingly. Always make sure you have enough air to complete your dive.
- Ascend slowly and safely: Coming back to the surface too quickly can cause serious problems. Make sure to do safety stops at the appropriate depths.
- Get a good dry bag to hold a copy of the documents showing your scuba diving travel insurance and non-insurance services: If an accident happens, you’ll want that handy – and dry. Make sure you have the phone number for the 24/7 Non-Insurance Emergency Assistance Team easily accessible, as well as your policy number. You may want to save that in your phone as well.
FAQ
Here are our most frequently asked questions about cover for scuba diving. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Can scuba diving be covered by World Nomads Travel Insurance?
Yes, scuba diving may be covered under all four plans offered by World Nomads Travel Insurance. The Standard and Annual plans include non-insurance services and travel insurance coverage for scuba diving up to 165 feet/50 meters. The Explorer plan covers more activities, including shark cage diving, cave diving, and serving as a scuba diving instructor or guide up to 165 feet/50 meters. It also includes free diving up to 60 meters and has higher limits of coverage. The Epic plan covers everything the Explorer plan covers, plus even more activities – including cave diving up to 196 feet/60 meters and commercial scuba diving up to 165 feet/50 meters. It also has the highest limits of coverage.
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What types of unexpected incidents may be covered while scuba diving abroad?
If your trip is cancelled or interrupted due to an unforeseen, covered event, you may be able to recover your travel expenses (up to the coverage maximum benefit amount), and this may include unused, pre-paid, non-refundable dive trips that you paid for in advance. If you get decompression sickness and you require medical assistance, emergency medical coverage could come in handy in the case of an unexpected injury. With your adventure travel insurance benefits, you may also be covered for unplanned situations such as lost bags.
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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 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 scuba diving excursion, you’ll need to buy your insurance plan at least the day before you need coverage.
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Does World Nomads Travel Insurance offer coverage for scuba diving outside of the United States?
Yes, there are so many great places to scuba dive around the world, and World Nomads doesn’t want to limit your fun. For example, if you have travel insurance for Australia, you could have the opportunity to dive the Great Barrier Reef or the SS Yongala, which is considered one of the best wreck dives in the world. When you get a quote for scuba diving travel insurance and non-insurance services, you’ll need to input where you’ll be traveling.
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What should I do if I get hurt while scuba diving?
If you’re hurt while scuba diving, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help 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.
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Does World Nomads Travel Insurance cover other activities during my trip?
Yes, when you purchase scuba diving travel insurance and non-insurance services, you may be covered for more than 250 other sports, activities and experiences. Things like hiking, biking, rock climbing, and camping may all be covered. You can review the list of activities, but if you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
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Do I get my money back if I cancel my dive trip?
Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, diving tours, and accommodations if your trip is cancelled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add optional cancel for any reason coverage when certain World Nomads plans are purchased.
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What happens if my bags are delayed?
When you purchase adventure travel insurance coverage and non-insurance services, baggage coverage is also included. If your checked-in bags are delayed more than 12 hours on the way to your destination, your plan may reimburse you for essential, reasonable items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance services that can help track down your bag and get it delivered to you.
Need destination inspiration for your next scuba diving trip?
Not sure where your next scuba diving adventure should take you? Check out some of our favorite places around the world to dive and get destination-specific travel insurance tips to help you plan with confidence.
Best Scuba Diving Spots on Australia’s East Coast
Into the Deep: Scuba Diving the Great Wall of China
Trinidad & Tobago Discoveries: Caribbean Scuba Diving
Scuba Diving in Cuba: The 6 Best Dive Sites
20250730-4701483. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Work emergency?
- Weather delay?
- Travel companion sick?
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?
- Need a hospital?
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
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
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 teamAffordable Travel Insurance for Americans
Don't skimp on travel insurance – get the coverage you need for unexpected mishaps.
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Most travelers spend more on their vacation wardrobe than their travel insurance* plan. Knowing you may have coverage for unexpected expensive travel mishaps like medical emergencies and stolen luggage can ensure you don’t end up in the red on holiday. We may not be the cheapest, but our affordable travel insurance plans may protect you against thousands of dollars in emergency expenses and can help our travelers when they need it most.
Do you really want cheap travel insurance?
Whether you’re traveling domestic, international or worldwide, low-cost travel insurance is only good if it meets your needs. Travel insurance is not one-size-fits-all, so think about what's most important to you, and read your plan wording for your chosen plan before you buy.
Going too cheap can mean you may not be covered when it matters to you. And if you’re not covered… your trip of a lifetime can get very expensive, very fast. That’s why at World Nomads we listened to our experienced travelers and designed travel insurance that is flexible and covers participation in more than 250 activities, at an affordable price.
We’ve included the cover options you told us you couldn’t live without in every World Nomads plan including:
- Emergency medical
- Trip cancellation
- Delayed, stolen and damaged baggage cover
- 24/7 worldwide assistance
Travel insurance that has your back
We’ve designed four travel insurance options: three Single-Trip options with different pricing and coverages, and one Annual Travel Insurance plan. Compare and contrast coverages to see what might work best for you.
If you’re planning travel far from home or going off the beaten path, the Explorer or Epic Plan may be more suited to you. Then again, you might be surprised by what is covered under the Standard Plan. Only you can decide what travel insurance plan is right for you, so be sure to read the plan wording for whatever plan you choose, so you can make sure it suits your needs.
To get a quote, all you need to do is tell us your country of residence, your age, where you’re going, and how long you’ll be gone for, and we’ll generate your instant quote with all the details you need. You’ll be able to download the plan wording and compare options before you buy.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.Did you know travel insurance covers...
- Trip cancellation
- Emergency medical
- Evacuation and repatriation
- Lost or damaged gear
- Delayed baggage
- Death overseas
- Terrorism
- And more...
You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.
Surfing accident.
Surfing at Nusa Lembongan, located off the island of Bali, Indonesia, during a two month surf trip. I sustained fall and landed on coral reef, causing a laceration to my anus of roughly 2 and 1/2 centimeters as well as severe cuts to my feet. Upon arriving back to Bali in a matter of several hours, I immediately received treament for my wounds at the Bali International Medical Center. They provided me with a thorough examination as well as an assotment of anti-biotics and other general medical supplies.
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
- Are you or your family sick, injured or dead?
- Natural disaster or terrorist attack where you’re going?
- Called to active service?
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 drugs 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 to get to hospital urgently?
- You or a family member dies?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro Gone?
- Laptop Lost?
- Sports Gear Stolen?
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)
We cover 250+ activities you love
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 teamFlexible Travel Insurance for Expats
Learn why expats choose World Nomads for their overseas getaways and holiday breaks.
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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
With flexible travel insurance that covers more than 250 activities, it’s no wonder expats keep turning to World Nomads for travel insurance for their overseas getaways and holiday breaks.
If you’ve left home without travel insurance or your plan has run out while you’re still on the road, don’t panic. World Nomads has got you covered with simple and flexible travel insurance* plans that you can buy online, anytime, from anywhere in the world.
Travel insurance for expats
World Nomads was founded by, and is operated by, people who have lived and worked overseas. We know that one of the best things about being an expat is the opportunity to explore neighboring countries and places.
There are three main reasons expats keep coming back to World Nomads for their travel insurance:
1. Flexible travel insurance
We know it’s not easy finding travel insurance when you’re not living in your home country, so have designed our travel insurance to be flexible, so you can purchase it for as long (up to 180 days for a single trip plan or 45 days for an Annual Plan), or as little, as you need. Note that you do need to come back to your home in the US in order to close out your trip; you cannot keep buying travel insurance plans without returning to the US after the maximum length is up.
2. Accessible online travel insurance even after you’ve left home
All you need is a good internet connection to purchase a plan, no matter if you are home or on the road, to get a travel insurance quote. Answer a few simple questions about your trip and follow the prompts that will outline the coverage and benefits we offer. We offer two types of plans – Single Trip or Annual Travel Insurance. Within our single trip plans, we also have three levels of coverage– you can compare them when you get a quote and select the one that best suits your needs. Then read and accept the terms and conditions, pay for your insurance, and you’re done.
3. All the essentials you need covered, and more...
We designed our travel insurance plans around what our travelers most often claim for and tell us they want.
- 24/7 Emergency Assistance in multiple languages for a range of services. If you need help (medical, lost bags, crimes, natural disasters, etc.), they should be your first call.
- Emergency medical expense coverage that may include hospitalization, same day surgery and out-patient treatment, emergency dental coverage, and visits to registered medical practitioners.
- Coverage for delayed, lost or stolen baggage, gear and sporting equipment.
- Coverage for your non-refundable, pre-paid transport and accommodation expenses when you’ve had to unexpectedly cancel your trip for a covered reason.
- Mechanical breakdowns or transportation strikes that shut down travel on common carriers for 24 consecutive hours.
- Coverage for more than 250 adventure activities, sports and experiences, including rock climbing, snowboarding, bungee jumping, hiking and snorkeling.
- Coverage when your trip is delayed, interrupted or cancelled due to a covered reason.
- Pre-trip medical support via our non-insurance service partners at Runway Health & FootprintID. If you need vaccines or medicines for your vacation destination, we’ve got your back.
Some of our higher tier plans (Explorer and Epic) also offer coverage for:
- Rental Car Protection (applicable to state regulations; read your plan to make sure your state is covered).
- Travel inconveniences, like a ski resort that shuts down due to lack of snow or your cruise misses a port of call due to inclement weather. Note that you must have purchased your plan during the time-sensitive period in order to qualify for this benefit.
- Pet Kenneling for your furry friend if your travel delay causes them to stay at least six hours longer at their kennel than expected.
- Trip Exchange if your travel supplier (like a tour company or cruise) changes the dates on you and you are forced to incur extra expenses, or even cancel, as a result.
- Missed connection coverage for when you arrive too late to make your trip departure (like on a cruise or tour group) and you incur extra expenses to join at a different location (or port).
You can also add “Cancel for Any Reason” coverage to the Explorer and Epic plans, although an additional cost will be incurred. You must add this benefit to your plan during the time-sensitive period of 7 days after you make your first payment or deposit towards your trip. You may want to consider this if you are planning a big trip and have invested a lot of money, or if you are worried something could come up in the future that could cause you to miss it.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.
Broken glass shards
At 12:00 in the afternoon after a yoga class, I took a large jar of coconut water from the fridge, and accidentally dropped it on the counter and slipped onto the broken glass shards. I slipped while holding a jar. I hit my left wrist on the broken glass shards and had cut wound as a result. I looked at it quickly, saw open flesh flapping, wrapped it in a clean towel and called a taxi to go to the hospital as soon as possible. I had pain and numbness in my right wrist. No neck injury, no head injury, no other injuries apparent.
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
- Work emergency?
- Weather delay?
- Travel companion sick?
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?
- Need a hospital?
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
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
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 Dental Emergencies
Learn how travel insurance for US Residents may cover emergency dental treatment expenses abroad.
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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
- What does travel insurance cover for overseas emergency dental treatment?
- What isn’t covered by travel insurance dental coverage?
- What to do if you are experiencing a dental emergency abroad?
Broken or chipped teeth can happen at any time. It could be seeded bread in Berlin, olives in Athens, or chestnuts in Istanbul. Or perhaps you’re surfing in Sayulita and get hit in the face by your surfboard, which breaks your tooth.
If pain or injury suddenly strikes while you’re traveling out of the country and you find yourself dealing with a dental emergency, World Nomads Travel Insurance may help cover the overseas emergency dental treatment you need to get relief.
What does travel insurance cover for overseas emergency dental treatment?
Our plans may cover overseas dental expenses if you need to see a dentist while traveling for unexpected emergencies. For example, World Nomads dental coverage can help you if you need to seek immediate relief of sudden pain to healthy, natural teeth for things like:
- An unexpected infection
- Chipped or broken teeth
- Injuries to your mouth or jaw due to an accident
You may have coverage under the emergency medical section of your plan for things like:
- The services of a physician or dentist
- X-rays, treatments and lab tests
- Hospital fees
Limits, terms, and conditions of overseas dental coverage vary depending on the plan you buy and your past dental history. The pain or injury must have occurred while you were on your trip. When you get a quote for travel insurance* coverage, you can compare the plans side-by-side to determine which one might be right for you. Pay attention to the medical coverage, as this applies to emergency dental treatments too.
To streamline your experience seeking dental treatment abroad, we recommend signing up for our Portable Health Records service before your trip. This non-insurance service allows documents, prescriptions, test results, and emergency contacts to be accessible in one place, anywhere in the world. Whether you need to refill a prescription or to deal with a more serious injury, this service can expedite the process.
Travel insurance tip: To be reimbursed for costs incurred during overseas dental emergencies, your dental illness or injury must be confirmed in writing by your treating medical practitioner. You must get copies of all medical and dental records, reports and clinical notes before you leave the hospital or medical facility as well as original receipts to document your expenses so we may verify your claim. Coverage is limited to the amount shown in your plan wording.
What isn’t covered by travel insurance dental coverage?
Travel insurance isn’t designed to cover everything. Our dental plans cover dental emergencies but not routine dental work. Here are things we don’t cover:
- General check-ups and routine maintenance
- Getting your teeth straightened
- New teeth or fillings following pain relieving treatment
- Major dental work such as crowns, dentures, bridges, and implants
- Buying a plan after the pain has set in
- Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period and were healthy enough to travel when you made the purchase
- Non-emergency treatment that can wait until you return home. Remember: the coverage isn’t health insurance; it's for travel emergencies.
- Treatment needed due to participation in activities outside of your plan’s limits
- Dental expenses once you return home from your trip
What to do if you are experiencing a dental emergency abroad?
- Contact the Emergency Assistance team first: The Emergency Assistance team can help take the stress out of already stressful situations and is available 24 hours a day, 7 days a week, 365 days a year.
- Explain what is going on: The 24/7 emergency assistance teams have connections and relationships with dental providers all over the world and can refer you to the most suitable one for your particular emergency.
- Refer to your plan documents to make sure what you are dealing with falls within the perimeters of your particular plan: The above features and benefits are a summary of cover only. Take the time to read the terms, conditions, limitations, and exclusions in the plan wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.
- Ask yourself: is it a true emergency or is this care that can wait until you get home to the US? Remember, World Nomads Travel Insurance covers dental emergencies only, not routine care. If you are unsure if what are you dealing with is a true emergency, give us a call.
- Save all receipts and documentation from the dental provider: Documentation is needed to be reimbursed for qualifying expenses. You’ll likely need to pay in advance. You can submit a claim online either right then or you can wait up to 20 days afterwards to do so.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.
I bit on something hard
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
B.P. U.S Resident in South Africa.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Are you or your family sick, injured or dead?
- Natural disaster or terrorist attack where you’re going?
- Called to active service?
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 drugs 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 to get to hospital urgently?
- You or a family member dies?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro Gone?
- Laptop Lost?
- Sports Gear Stolen?
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 teamHiking Travel Insurance Coverage
Trekking & High-Altitude Insurance Coverage for US Residents
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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
- How can I protect my hiking trip with travel insurance coverage?
- Why should you consider travel insurance coverage for your next hiking and trekking adventure?
- What travel insurance benefits could cover you and your hiking trip?
- What may not be covered by the travel protection plan for hiking?
- Top tips for your hiking adventure
- Other adventure activities covered
Whether you’re trekking to Everest's Base Camp, Tanzania's Mt. Kilimanjaro or just going for a high-altitude hike in a neighboring state, you may want to protect your adventure with World Nomads Travel Insurance. Our travel protection plans include a range of travel insurance benefits that could help with everything from stolen bags to unexpected medical expenses.
Hiking and trekking travel insurance coverage
As passionate hikers ourselves, we’ve designed our plans to cover many types of hiking, from a lazy weekend stroll to the most intrepid trek. We offer coverage for some of the world’s most famous hikes and 250 other sports, activities and experiences.
We offer four plans – Standard, Explorer, Epic and Annual – each with different maximum elevaton coverages for your hike:
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Standard Plan
covers hikes up to
19,685 feet/6,000 meters -
Explorer plan
covers hikes up to
21,325 feet/6,500 meters -
Epic plan
covers hikes up to
26,247 feet/8,000 meters -
Annual plan
covers hikes up to
19,685 feet/6,000 meters
Get a quote and compare the plans to see which level of coverage is right for you.
Why should you consider travel insurance coverage for your next hiking and trekking adventure?
Hiking and trekking can take you off the beaten path—and far from help if things go sideways. From twisted ankles on remote trails to gear stolen from your rental car, unexpected issues can derail even the most carefully planned journey. Travel insurance designed for hikers and trekkers may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your route and altitude level, it’s a smart way to explore confidently—whether you're heading to Patagonia or embarking on the Tour du Mont Blanc.
What travel insurance benefits could cover you and your hiking trip?
World Nomads offers coverage (up to the plan maximum benefit amount) for:
- Medical expenses: if you get hurt while hiking on your trip and need medical attention, our accident and sickness medical expense insurance benefit may provide reimbursement for the treatment you need.
- Emergency medical evacuation and repatriation: If your hiking injuries are severe, acute, or life-threatening our plans may cover evacuation and transportation to a medical facility best suited for your care, subject to approval from the treating medical physician and the non-insurance 24/7 Emergency Assistance Team.
- Baggage and personal effects protection: Our gear coverage may help with reimbursement of the cost to repair or replace damaged, lost or stolen items, including airline checked bags.
- Trip cancellation: if you need to cancel your trip due to a covered reason such as an unexpected illness, we may be able to reimburse your pre-paid, unused, non-refundable expenses like flights, tours and accommodations.
- Natural disaster evacuation assistance: if unforeseen severe weather or natural disaster event puts a stop to your trekking adventure, your plan may cover costs to get you out of there and to the nearest place of safety. Certain conditions and limitations apply.
All plans also include several additional non-insurance services that may support you both before and during your hike. These include pre-trip medical consultations and storing your medical records digitally.
What may not be covered?
- Being under the influence of narcotics
- Unattended baggage, sporting equipment or personal items.
- Travel within 100 miles of your home.
Get a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
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Top tips for your hiking adventure
To make the most of your time on the trail, keep the following tips in mind:
- Be prepared: we recommend that you check the weather, check your equipment, and if you’re going guided, confirm that you’re using an accredited tour operator.
- Stay healthy: hiking requires a certain amount of strength and stamina, and in some cases (like the Inca Trail or trekking in Nepal), the ability to handle altitude. It’s best to be sure you are physically capable of it. Consider using our pre-departure telehealth service to obtain prescription medications for the most common travel needs, like altitude sickness pills, delivered to your door before you leave on your trip.
- Keep your receipts and paperwork: any claim you make will need supporting documentation such as receipts of your purchases and a loss or theft report. Keep these with you in printed or digital form if you need to make a claim.
FAQ
Here are our most frequently asked questions about cover for hiking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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What is the difference between hiking, trekking and mountaineering for travel insurance purposes?
The terms ‘hiking’ and ‘trekking’ are usually interchangeable when it comes to travel insurance benefits for covered activities. Mountaineering, on the other hand, often includes technical climbing or high-altitude ascents that may require ropes or specialized gear. Each activity carries different risks, so travel protection plans like those from World Nomads offer varying levels of coverage depending on the elevation, difficulty, and whether technical skills or equipment are involved. Check out our (lengthy) list of covered adventure activities to help you determine the plan right for you.
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Why should I consider travel insurance coverage for hiking and trekking?
Hiking and trekking adventures vary in intensity—and elevation. That’s why World Nomads offers three single-trip travel protection plans (Standard, Explorer, and Epic), plus an Annual Plan, each with different elevation coverage to match your goals. With elevation-based options, you can choose a plan that fits your route, your style, and your ambition.
- Elevation coverage by plan:
- Standard Plan – up to 19,685 feet / 6,000 meters
- Annual Plan – up to 19,685 feet / 6,000 meters
- Explorer Plan – up to 21,325 feet / 6,500 meters
- Epic Plan – up to 26,247 feet / 8,000 meters
- Elevation coverage by plan:
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When should I purchase travel insurance if I’m planning an adventure?
Many travelers choose to buy travel insurance soon after booking to access pre-trip benefits like Trip Cancellation coverage, which may reimburse non-refundable costs if you cancel for a covered reason (like sickness or injury). If you’re considering purchasing the Explorer or Epic plans with optional Cancel For Any Reason (CFAR) coverage, it must be purchased within seven days of your first trip deposit (such as booking a flight or putting money down on a hotel). Purchasing early also gives you access to our non-insurance pre-trip telehealth service, which can help you get essential medications—like altitude sickness pills or antibiotics just in case last night’s campfire chili doesn’t agree with you. Planning ahead means more flexibility and fewer surprises on the trail.
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Would hiking gear and equipment be covered?
Yes, hiking gear and equipment may be covered under the baggage and personal effects benefit of our plans if it's lost, stolen, or accidentally damaged during your trip. Maximum benefit amounts and conditions vary by plan, so be sure to review your chosen plan documents —especially if you're carrying high-value items like trekking poles, boots, or GPS devices. Note: coverage does not include wear and tear or gear damaged during use. Additional terms and conditions apply.
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Does my plan include emergency evacuation coverage?
Yes, our travel insurance coverage includes emergency evacuation if you’re seriously injured or become unexpectedly ill while hiking or trekking. If you're in a remote area and need transport to the nearest adequate medical facility, the Medical Evacuation and Repatriation of Remains benefit may help cover the cost—which can easily run into the hundreds of thousands of dollars. Evacuation must be deemed medically necessary by the attending physician and approved by the 24/7 Emergency Assistance team. Always check your plan’s elevation limits and covered activities to make sure you're protected for your specific adventure.
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Is there a maximum altitude limit for insurance coverage with World Nomads?
Yes, each plan has a different altitude maximum.
- Elevation coverage maximum by plan:
- Standard Plan – up to 19,685 feet / 6,000 meters
- Annual Plan – up to 19,685 feet / 6,000 meters
- Explorer Plan – up to 21,325 feet / 6,500 meters
- Epic Plan – up to 26,247 feet / 8,000 meters
- Elevation coverage maximum by plan:
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Do I need insurance coverage for multi-day hiking trips?
Yes, multi-day hiking and trekking adventures may require more robust travel insurance coverage due to the added risks of being in remote areas for extended periods. World Nomads offers a range of plans that may cover emergency medical care, evacuation, trip cancellation, gear protection, and more. Our plans also include different elevation limits, so whether you're doing a relaxed overnight hike or a challenging high-altitude trek, you can choose a plan that fits the level of adventure you're planning.
- Elevation coverage maximum by plan:
- Standard Plan – up to 19,685 feet / 6,000 meters
- Annual Plan – up to 19,685 feet / 6,000 meters
- Explorer Plan – up to 21,325 feet / 6,500 meters
- Epic Plan – up to 26,247 feet / 8,000 meters
- Elevation coverage maximum by plan:
Need destination inspiration?
Not sure where your next hiking adventure should take you? Check out some of our favorite trails around the world and get destination-specific travel insurance tips to help you plan with confidence.
This is not a full list of what is and isn’t covered, so please check your plan document for a full list of terms, conditions, limitations and exclusions that may apply to your 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.
20250224-4259830Travel 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 died?
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
- Rolled your ankle?
- Bedridden after a local delicacy?
- Struggling with altitude?
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
- GoPro stolen?
- Gear damaged in transit?
- 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)
We cover 250+ activities you love
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?
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