Travel Insurance for Asia
Travelling to Asia? With half the world to explore, there's a lifetime of adventure just waiting for you.
- As featured in:
As featured in:
Travel in Asia
Asia is one of the biggest, most populated and diverse regions in the world. With so many things to do, see and experience across a wide range of countries, it’s useful to know that World Nomads Travel Insurance may be able to help you if things don’t go to plan.
- What's covered
- How can travel insurance help when travelling to Asia?
- What's not covered
- Handy tips for travelling in Asia
What's covered
In most cases, travelling goes without a hitch but considering travel insurance could mean that should something unexpected happen, you could be covered.
With World Nomads, you can buy travel insurance as soon as your trip is locked in and you're ready to go, or while you're on the road travelling around Asia. World Nomads offers cover (up to the policy limits) including, but not limited to:
- Overseas emergency medical expenses: if you become sick or injured during your trip. Your policy may cover you for your overseas medical expenses, up to the policy limits and when agreed by us. You can submit a claim to recover unexpected medical expenses while travelling around Asia.
- Medical evacuation and repatriation: if you need emergency transport home due to a serious illness or injury. For example, if your trek to Tigers Nest in Bhutan goes sideways, with our coverage for medical evacuation, you can get transported to the medical facility best for your care, subject to approval from us.
- Trip cancellation: if your trip is cancelled due to an insured event. Depending on what’s happened, we may pay for the value of your unused, non-refundable expenses.
- Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost. The level of cover available varies between the two plans – Standard and Explorer- so check before you buy.
- Adventure, work, study and volunteering: we cover more than 150 activities so you can have fun adventuring your way around Asia’s mountains, waters, cities and skies.
Travel insurance tip: to avoid any surprises when making a claim, it’s a smart idea to become familiar with the various limits, benefits, available upgrades, terms and conditions before you buy a policy.
How can travel insurance help when travelling to Asia?
Asia covers a massive area and is made up of a diverse range of countries, cultures, people and access to facilities such as hospitals. Our travel insurance could help if you land in Phuket but your baggage doesn’t, your valuables are stolen while you’re browsing the market in Delhi, you or your travel buddy suffer an injury whilst hiking the Annapurna circuit or you catch Covid-19.
World Nomads offers two plans – Standard and Explorer. Each policy provides different levels of coverage depending on what you need:
- The Standard Plan covers a range of benefits and certain adventure activities, and has lower coverage limits.
- The Explorer plan covers all the benefits of the Standard plan, with larger coverage limits, more benefits and covers more sports and activities.
Depending on the level of cover you choose, our policies may cover you for:
- Overseas medical cover and cover for some Coronavirus-related events: if you become sick or injured in Asia with anything from ‘Bali Belly’ to an injury whilst participating in an activity, our policies may cover you for medical treatment including hospitalisation, prescribed medicines and prescribed physiotherapy treatments. If you catch Covid-19 overseas we will cover you for medical expenses and hospital assistance, as well as repatriation. Our Explorer plan offers extra cover for Coronavirus-related events such as cancellation, trip interruption expenses and some quarantine costs. You can read more about it in our Coronavirus cover article, which has all of the details, including terms, conditions, benefit limits and exclusions.
- Access to our 24/7 Emergency Assistance team: our multi-lingual team helps take the stress out of already stressful situations and is available 24 hours a day, 7 days a week, 365 days a year. They can offer assistance such as arranging medical transport, and giving support to you and your family back home.
- Lost, stolen or delayed baggage: if your luggage or personal items are stolen, lost or accidentally damaged, you may be able to claim to replace or repair the item. If your luggage is delayed for more than 12 hours, you may be able to claim for essential clothing and toiletries while you wait for your bag to be returned. Remember you’ll need official reports, supporting documentation and copies of your receipts if you need to make a claim.
- More than 150 sports and activities: depending on what plan you choose, you can be covered for hiking trips, road trips, kayaking/rafting, surfing, scuba diving and scooter riding. If you use a scooter or motorbike whilst in Asia, you’ll need to ensure you hold the required license in Australia and in the country you’re travelling in, and be sure to wear a helmet at all times, or you may not be covered. You can find the full list of covered activities here.
Travel insurance tip: if you intend to rent a car or motorbike you must check the licensing and local laws for the country you’re going to. You must also be adequately insured elsewhere, as you are not covered under this insurance for third party liability in respect of any mechanical or motorised vehicle.
What's not covered
Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:
- Pre-existing medical conditions – see the Product Disclosure Statement (PDS) for details.
- Travelling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the Australian Government (see www.smartraveller.gov.au)
- Neglecting to observe applicable preventative measures for the travel region, as outlined by the World Health Organisation, including obtaining relevant vaccinations, malaria prophylaxis, and hygiene measures.
- Participation in a sport or activity not listed, or failing to adhere to the terms of coverage for listed sports or activities.
- Being intoxicated by alcohol or drugs.
Be sure to read the PDS and General Exclusions for other scenarios and expenses we don’t cover so there’ll be no surprises if you need to use your cover.
Handy tips for travelling in Asia
- Always check the Visa requirements – some Asian countries require you to have at least 6 months validity on your passports and some may require Visas that can take several weeks to organise.
- Check the season, especially in Southeast Asia. Will you be travelling in the rainy or dry season? Be aware of how this may affect your travels.
- Look after your health by having the appropriate vaccinations, taking your own medications from home, bringing insect repellent and checking out the latest health advice from the World Health Organisation.
- Watch out for pickpockets – petty theft can be common in some parts of Asia. Protect yourself and your belongings.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your PDS in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
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)
True Claims Stories
“A motorcycle came from behind me and stopped next to me, so I stopped walking. Two people wearing helmets were on the motorcycle. The driver was gesturing although I didn't know why, I didn't hear him/her say anything. I felt a slight pull on my bag and on my backpack strap, and then the motorcycle rode away out of sight. The motorcycle passenger had taken my bag. The strap of the bag must have been cut. I couldn't see a license plate. I continued to my hotel and reported the theft to the police the next day.”
Japanese resident in Thailand
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 Thailand
Learn how travel insurance could cover your trip to Thailand.
- As featured in:
As featured in:
The Land of Smiles attracts scores of sun-seeking British tourists every year. Drawn to the tropical conditions, white sandy beaches, fabulous food, the Full Moon parties, and chaotic appeal of the cities like Bangkok, it’s not hard to see why Thailand rates so highly with British travellers.
- What's covered
- How can travel insurance help when visiting Thailand
- What to look out for when travelling around Thailand
- What's not covered
What's covered
World Nomads has two plans - Standard and Explorer - each of them providing cover for a multitude of activities including hiking, kitesurfing, kayaking, surfing and scuba diving. Some activities may require an upgrade where an additional premium has to be paid.
We also offer cover for key events such as:
- Medical evacuation and repatriation back to the UK
- Trip disruption
- Emergency overseas medical
- Delays or missed flights
- Lost, stolen or damaged baggage
- Coronavirus-related events
How can travel insurance help when visiting Thailand
We know the Brits love their cocktails by the beach, island-hopping explorations, and wildlife encounters, but as much fun as a trip to Thailand always is, it is just as important to consider what could go wrong and be prepared for that as best as any traveller can. The following is a list of travel insurance considerations:
- Activities and sports cover: Whether its snorkelling, kayaking, hiking, and cycling our policies may cover you for more than 150 activities you may wish to try while in Thailand. We know Brits are an adventurous bunch, and so long as you are with a professional, and adhere to the conditions, instructions, etc, you may be covered.
- Access to our 24/7 Emergency Medical Assistance Team: We know that when travelling in a foreign country, things can get lost in translation. That’s why we have a 24-hour assistance team available to you for the entirety of your trip. Whether you have a query about the procedures you need to follow if something goes wrong, or you just want to find out about medical providers where you are, the team can assist you.
- Cover for baggage / personal belongings: World Nomads plans offer cover to UK residents for luggage and personal gear. If your baggage is delayed between Heathrow and Bangkok, we may be able to help you with necessities. Same goes for any gear that may be damaged, stolen or destroyed during your travels, so long as it wasn’t a result of recklessness or negligence. Under the Explorer plan, the policy covers accidental loss or theft of your own money while on your person or stolen from a locked safety deposit box. Unfortunately, we don't cover your sports gear while it's in use.
- Medical emergencies: No one plans to injure themselves or spend more time in bed than out exploring the sights; that’s the last thing we want. World Nomads can assist with emergency medical transport, evacuation, and repatriation if you’re medically unfit to continue your travels. Terms and conditions apply.
- Covid 19 and travel insurance: Both our Standard and Explorer plans offer cover for emergency medical assistance should you fall ill with Coronavirus while abroad.
What to look out for when travelling around Thailand
Most travellers let their hair down when they head abroad, sometimes so much so that they often forget that they’re in a foreign country and need to always keep their heads in the game.
- Theft: British travellers need to be aware that pickpockets and bag snatchers are active all over Thailand, so be mindful of your personal belongings when travelling in open transport like Tuk Tuks and don’t think a short nap on a bus is without its risks, especially if you haven’t secured your belongings.
- Drink spiking: Be diligent about not accepting drinks from strangers in bars and don’t leave glasses and cups unattended. Drink spiking has been reported in Thailand, particularly during Full Moon parties. Not only can an incident like this ruin your holiday but it has in the past led to severe illness.
- Fraud: Think twice before handing your passport to a third party; it’s risky and losing sight of your passport is a big no-no anywhere. Keep a keen eye on your debit and credit cards during transactions, always use an ATM within a bank and keep your PIN to yourself. Skimming is an issue across Thailand, so if something looks untoward, wait and find another option.
What's not covered
- Costs associated with ignoring UK Government travel warnings or advice. This includes travelling to an area where there is a ‘Do Not Travel’ alert in place; and/or choosing to remain in a country after such a warning has been issued.
- Medical expenses incurred in the UK.
- Any costs associated with a pre-existing medical condition, unless otherwise stated in your policy.
- Travelling against medical advice.
- Stolen, lost or damaged personal belongings that were left unattended.
- Injury or damage caused by drug abuse or alcohol misuse.
- Participation in a sport or activity not listed in the Policy Wording or agreed by World Nomads where you haven’t paid the required additional premium.
If you have a specific question about World Nomads insurance, please visit our online Help Center or contact us.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for 150+ Adventure Sports and Activities
Travel insurance designed for adventures while travelling.
- As featured in:
As featured in:
For information relating to policies purchased before 27 June 2024, please check HERE for the list of covered activities.
For policies purchased from 27 June 2024, please see below for information:
Adventure Sports and Activities
For many Irish travellers the need to go exploring the great outdoors and seek some adventure activities is a must when on a holiday. While it’s exciting to try out new adrenaline-pumping activities that you don’t get to do back home in Ireland you should also consider travel insurance when preparing for your next adventure.
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 outdoor adventures go hand-in-hand, that’s why our policies offer cover for more than 150 sports, experiences, and activities. While some activities are considered less dangerous, other types of activities such as rock climbing require an insurance upgrade and payment of an additional premium.
Emergency medical and evacuation coverage overseas – if you unexpectedly get 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 Ireland if your injury or illness is serious enough. However, this must be determined by your treating doctor in consultation with our Emergency Medical Assistance team. Exclusions, and in some cases, excesses apply.
See Travel insurance tip 2 below, if you have private medical insurance (PMI) in Ireland.
Baggage and valuables 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’ll need to submit these when you claim. Always report any stolen belongings to the local police 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 Ireland just yet, then you may extend your travel insurance policy accordingly. Extensions for Single Trip policies can be approved for up to a maximum of 12 months from the starting date listed on your Certificate of Insurance. Applications for policy extensions must be made prior to 11:59pm IST/GMT on the date that your existing policy expires, however we suggest not waiting to the last day to submit your request.
Trip cancellation costs – few things in life are more disappointing than having to cancel a long-awaited holiday due to unexpected sickness or a last-minute injury. Should you or one of your travel companions become injured or sick after making your holiday arrangements, and need to cancel your trip, then we may cover your non-refundable travel expenses such as accommodation and flights. You will need to provide medical evidence to substantiate your claim.
What activities are covered?
While many Irish live and breathe their Gaelic games, rugby, and soccer, 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 may seem 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 we do not cover, 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.
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 below for the full list of the sports and activities we cover.
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 (marathons)
- Water skiing (barefoot)
Level 3
- Mountain biking (downhill)
- Skiing/snowboarding
Level 4
- Mountaineering (to a maximum of 6,000 metres)
- Skiing/snowboarding (terrain park in resort; outside resort boundaries; back country; helicopter/snow; alpine touring)
- Snow rafting
- Triathlon (full distance)
Travel insurance tip 1: several of our covered activities and 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 you buy your policy.
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 travelling. 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 walks? These types of details all need to be established before choosing your plan.
Travel insurance tip 2: Irish travellers, if you require any medical treatment during your trip while outside of Ireland (and as soon as you're medically able to do so) you’ll need to contact your private medical insurance (PMI) provider (if applicable) and follow their emergency medical procedures and claims procedures. Where your PMI provider cannot provide assistance, get in touch with our 24-hour Emergency Medical Assistance Team as soon as reasonably possible before incurring medical costs, and also please provide us with details of your PMI provider to help us coordinate your care. For more information on what to do please refer to Section 8 Medical Sections of Cover in your Policy Wording.
Overseas adventure activity tips to help you have a safer experience
Are you fit enough for that?
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, you must wear a helmet when cycling or riding a scooter. 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.
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 Medical Assistance
- Overseas emergency medical assistance
- 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)
-
General Conditions - which apply to all covered activities
We are unable to provide cover for anyone participating in any sport or activity if you are participating in or training:
- For a competition or a tournament at a national level (and where otherwise excluded).
- On a professional or semi-professional basis.
- Water based activities outside coastal waters, except where listed with the covered activity.
- Water based activities on white or black water above grade 3.
- At an altitude between 3,000 and 6,000 metres unless the activity is selected and the additional premium for the Upgrade is paid at time of policy purchase. (No cover is available for activities over 6,000 metres.)
- For any adventure, sport, study, work or volunteer activity listed under Adventure, Sports and Activities Not Covered.
Where noted in the List of Activities at
- UK - https://www.worldnomads.com/uk/travel-insurance/whats-covered/adventure-sports-and-activities
- IE - https://www.worldnomads.com/ie/travel-insurance/whats-covered/adventure-sports-and-activities
- EU - https://www.worldnomads.com/eu/travel-insurance/whats-covered/adventure-sports-and-activities
the following Special Conditions and Special Exclusions apply to some activities in addition to all other policy terms, conditions and exclusions.
-
Special Conditions
Special Conditions:
- You must be with a professional, qualified and licensed guide, instructor or operator.
- You must have the appropriate certification or licence to participate in this sport, activity or experience at home. If operating a motor vehicle, you must have the appropriate valid Irish licence for the vehicle and any other licence required by law in the country of operation.
- You must stay within 60 miles of a safe haven (a protected body of water used by marine craft for refuge from storms or heavy seas).
- This policy covers conventional skiing/snowboarding only. It is not a condition of cover that you ski or snowboard with a guide, however, you must follow the International Ski Federation code or the resort regulations; and you should not venture into back country areas without taking local advice and appropriate rescue equipment.
- This policy covers conventional scuba diving only. You are limited to your current qualification limit, unless accompanied by a qualified instructor, taking part in a recognised course requirement of your chosen Diving Association. You must hold a current P.A.D.I. (Professional Association of Diving Instructors), B.S.A.C. (British Sub Aqua Club), SAA (Sub Aqua Association), C.M.A.S. (Confederation Mondiale Des Activites Subaquatiques), or equivalent internationally recognised qualification and follow their relevant Association, Club or Confederation rules and guidelines at all times, or you must only dive under the constant supervision of a properly licensed Diving Instructor and follow their rules and instructions at all times.
-
Special Exclusions
There is no cover for:
- Any competition, free-style skiing/snowboarding, ski/snowboard jumping, ski-flying, ski/snowboard acrobatics, ski/snowboard stunting, or ski/snowboard racing or national squad training, the use of skeletons.
- Any unaccompanied dive, any dive in overhead environments, any dive for gain or reward, solo diving, cave diving, any dive which takes you deeper than your current qualification limits, or any dive deeper than 30 metres under any circumstances.
- Free mountaineering, climbing in remote or inaccessible regions, exploratory expeditions and new routes, high altitude climbing over 6,000 metres, mountaineering expeditions, or expeditions to the Arctic or Antarctica or of a dangerous nature.
- Personal Accident (Section 10 cover excluded)
- Personal Liability (Section 10 cover excluded)
-
Definitions
Work; working: any work, including volunteer work, work placements, incidental work and work experience, whether paid or unpaid, which can be classified as either:
- Non-manual work, which is any professional, clerical or administrative work involving light duties only, including for example a classroom teacher or assistant, au pair, nanny or child minder; or
- Manual work, which is general work other than non-manual work. Manual work includes for example general cleaning, maintenance, bartending, WWOOFing (participating in World Wide Opportunities on Organic Farms) and general farmhand activities.
Level 1 activities in the List of Activities are automatically covered. Your policy can be upgraded to include cover for Level 2, 3 and 4 adventure, sport, work, study and volunteer activities when you select the activity(ies) and pay the additional premium. All activities are subject to the General Conditions:
-
List of Activities NOT Covered under any level
- Acrobatics
- Activities at a professional or semi-professional level
- American football (Gridiron)
- Base jumping; Wingsuit
- Boating on white water
- Bobsled/Bobsleigh
- Boxing competitions or bouts
- Canyoning
- Caving/spelunking: other than sightseeing or tourist attraction
- Cliff diving
- Climbing: exploratory expeditions, new routes, remote or inaccessible regions
- Climbing: high altitude, over 6,000 metres
- Competing; competing at international events as national representative
- Crewing a vessel over 60 miles from a safe haven
- Cycling/biking: intercontinental touring, with a tour operator or independent
- Cycle jumping / BMX / racing / time trial
- Diving/scuba diving: unaccompanied dive / in overhead environments / for gain or reward
- Dogsledding / Sleigh rides (horse drawn): remote areas / racing / time trials / endurance events / on unrecognised trails
- 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 / Scooter biking / Motorbiking: touring, or main mode of transport
- Motorbiking over 125cc
- Motorbiking / Trail biking: off-road
- Motor sports
- Mountaineering expeditions
- Outdoor endurance course / obstacle course / assault course / trim trail / tough mudder: up to 13 miles
- Paragliding / parapenting / parascending
- Potholing
- Quad biking / ATVs
- Rock climbing: soloing
- Rollerblading, roller skating and in-line skating stunting / roller derby / roller hockey
- Running: over marathon distance
- Scuba diving / cage diving: deeper than 30 metres
- Skeleton
- Skiing / Snowboarding: (jumping / stunting / ski-flying / acrobatics)
- Skiing / Snowboarding: (racing / competition / national squad training)
- Snowmobiling / Snow kiting / Snow biking
- Speed boating outside coastal waters
- Speed trials
- Work: offshore / underground, including as a guide
- Work: with mechanical / industrial machinery
- Work: with dangerous animals; e.g. big cats, crocodiles, alligators, sharks, snakes, elephants, etc.
- Work as instructor or guide: diving / skiing/ snowboarding / underground, in caves / where ropes or other specialist climbing equipment is required.
- Work: dangerous or extreme pursuits
- Work: at height from 2 metres above ground level
I bit on something hard
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
B.P. U.S Resident in South Africa.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy in an accident?
- Sudden death of an immediate relative?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Injured abroad?
- Need a hospital urgently?
- Medical evacuation home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about adventure activities and sports insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).
-
Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered?
We don't publish a list of doctors or dentists. If you need help finding one, call our assistance teams, and they'll guide to the most appropriate medical professional.
-
Why don't you cover ongoing treatment at home?
Travel insurance policies are designed to cover emergency medical expenses from accidents or unexpected illness overseas. They don't stand in place of primary medical insurance or government healthcare.
Travel Insurance for 150+ Adventure Sports and Activities
Travel insurance designed for adventures while traveling.
- As featured in:
As featured in:
For information relating to policies purchased before 27 June 2024, please check HERE for the list of covered activities.
For policies purchased from 27 June 2024, please see below for information:
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 UK.
No matter whether you’re packing your cricket bat or that expensive pair of hiking boots, it might be worth considering travel insurance when preparing for your trip.
- Adventure sports, travel insurance and what’s covered by our plans
- What activities are covered?
- What’s not covered
- Questions to ask when choosing a plan
- List of Adventure, sport and activities covered
Adventure sports, travel insurance and what’s covered by our plans
Whether you’re picking up a new sport or you’re a seasoned outdoors adventure person, World Nomads offers cover (up to the policy limits) for the following:
Activities and sports cover: travel and adventure go hand-in-hand, that’s why our policies offer cover more than 150 sports, experiences, and activities. While some activities are considered less dangerous, other types of activities such as rock climbing 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 the UK if your injury or illness is serious enough. However, this must be determined by your treating doctor in consultation with our Emergency Medical Assistance team. 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 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 the UK just yet, then you may extend your Single Trip travel insurance policy accordingly. Extensions can be approved for up to a maximum of 12 months from the starting date listed on your policy certificate. Applications for policy extensions must be made prior to 11:59pm GMT/BST on the date that your existing policy expires, however we suggest not waiting to the last day to submit your request.
Trip cancellation costs – few things in life are more disappointing than having to cancel a long-awaited holiday due to unexpected sickness or a last-minute injury. Should you or one of your travel companions become injured or sick after making your holiday arrangements, and need to cancel your trip, then we may cover your non-refundable travel expenses such as accommodation and flights. You will need to provide medical evidence to substantiate your claim.
What activities are covered?
While many Brits live and breathe their football and cricket, we also know that our travellers have a vast range of sporting preferences. That’s why we offer cover for over 150 different sports, activities, and experiences. While the list is long, by no means do we cover every single sport or activity.
Always make sure that any planned sports and activities that you’ll be doing are clearly stated. If you’re injured playing a sport that is not listed in your Policy Wording, then any claim you submit, may not be approved.
World Nomads offers two travel insurance plans, the Standard Plan and the Explorer Plan. These plans both offer cover for expenses in connection with hospitalisation, lost luggage, repatriation, and more. However, the Explorer Plan costs more than the Standard Plan as it offers higher policy limits and more benefits.
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 below for the full list of sports and activities we cover.
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 (marathons)
- Water skiing (barefoot)
Level 3
- Mountain biking (downhill)
- Skiing/snowboarding (includes cross country, Nordic on marked trails)
Level 4
- Skiing/snowboarding (terrain park in resort; outside resort boundaries; back country; helicopter/snow; alpine touring)
- Snow rafting
- Mountaineering (to a maximum of 6,000 metres)
- Hiking (to a maximum of 6,000 metres)
- Triathlon (full distance)
Travel insurance tip 1: several of our covered activities or sports are listed on multiple levels to reflect the varying degrees of difficulty or intensity. Always check before you go that you have the right level of cover for your desired activities, as you cannot upgrade to a higher level or add any other sports, after your trip has begun.
What’s not covered
Here are just a few of our travel insurance exclusions. For the entire list, please check your Policy Wording.
- If your behaviour was reckless, or your actions were in violation of the laws of that country.
- Being intoxicated by alcohol or prohibited substances.
- Unattended belongings and luggage that is stolen, lost, or damaged.
- Pre-existing medical conditions unless otherwise expressly stated in your policy.
- Dental treatment that is not undertaken to alleviate any constant pain or discomfort. An example could be an implant procedure to replace a tooth that had been extracted in a surgery that you had years ago.
Questions to ask when choosing a plan
Before selecting a plan, it’s best to know what types of sports and activities you and your travel buddies will be enjoying when you’re overseas. These are just some of the questions for you to consider when picking a travel insurance plan:
- What sports and activities will I be engaging in on my holiday?
- What sports and activities do my friends have planned? Make sure you ask them about their holiday plans to be certain that they don’t have any surprise activities up their sleeves. A spur of the moment decision to play a sport that you’re not covered for might be fun, but would you really want to take such a risk?
- What types of equipment, footwear, or protective clothing will you need for your preferred activities?
- Do you need a licensed tour guide or instructor for any of your leisure activities? If so, have you checked that the person is in fact certified?
- What are the depths of my dives, altitudes of my hikes, or distances of my competitions? These types of details all need to be established before choosing your plan.
Travel insurance tip 2: Where urgent medical assistance is required, get in touch with our 24-hour Emergency Medical Assistance Team as soon as reasonably possible before incurring medical costs. For more information on what to do please refer to the section titled, ‘Health conditions & your policy’ in your Policy Wording.
Overseas activity tips to help you have a safer experience
Are you fit enough for that?
Overseas holidays offer a selection of leisure activities, many of which you may not have ever tried. Before you go trying new experiences, think about your fitness and plan your activities accordingly. Whatever you’re planning, make sure it’s something you’re physically capable of.
The right gear
When participating in a sport or activity, always wear safety gear. For example, wear a helmet when cycling or riding a scooter. Before embarking on that mountain climbing expedition, 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 Medical Assistance
- Overseas medical assistance
- 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)
-
General Conditions - which apply to all covered activities
We are unable to provide cover for anyone participating in any sport or activity if you are participating in or training:
- For a competition or a tournament at a national level (and where otherwise excluded).
- On a professional or semi-professional basis.
- Water based activities outside coastal waters, except where listed with the covered activity.
- Water based activities on white or black water above grade 3.
- At an altitude between 3,000 and 6,000 metres unless the activity is selected and the additional premium for the Upgrade is paid at time of policy purchase. (No cover is available for activities over 6,000 metres.)
- For any adventure, sport, study, work or volunteer activity listed under Adventure, Sports and Activities Not Covered.
Where noted in the List of Activities at
- UK - https://www.worldnomads.com/uk/travel-insurance/whats-covered/adventure-sports-and-activities
- IE - https://www.worldnomads.com/ie/travel-insurance/whats-covered/adventure-sports-and-activities
- EU - https://www.worldnomads.com/eu/travel-insurance/whats-covered/adventure-sports-and-activities
the following Special Conditions and Special Exclusions apply to some activities in addition to all other policy terms, conditions and exclusions.
-
Special Conditions
Special Conditions:
- You must be with a professional, qualified and licensed guide, instructor or operator.
- You must have the appropriate certification or licence to participate in this sport, activity or experience at home. If operating a motor vehicle, you must have the appropriate valid UK licence for the vehicle and any other licence required by law in the country of operation.
- You must stay within 60 miles of a safe haven (a protected body of water used by marine craft for refuge from storms or heavy seas).
- This policy covers conventional skiing/snowboarding only. It is not a condition of cover that you ski or snowboard with a guide, however, you must follow the International Ski Federation code or the resort regulations; and you should not venture into back country areas without taking local advice and appropriate rescue equipment.
- This policy covers conventional scuba diving only. You are limited to your current qualification limit, unless accompanied by a qualified instructor, taking part in a recognised course requirement of your chosen Diving Association. You must hold a current P.A.D.I. (Professional Association of Diving Instructors), B.S.A.C. (British Sub Aqua Club), SAA (Sub Aqua Association), C.M.A.S. (Confederation Mondiale Des Activites Subaquatiques), or equivalent internationally recognised qualification and follow their relevant Association, Club or Confederation rules and guidelines at all times, or you must only dive under the constant supervision of a properly licensed Diving Instructor and follow their rules and instructions at all times.
-
Special Exclusions
There is no cover for:
- Any competition, free-style skiing/snowboarding, ski/snowboard jumping, ski-flying, ski/snowboard acrobatics, ski/snowboard stunting, or ski/snowboard racing or national squad training, the use of skeletons.
- Any unaccompanied dive, any dive in overhead environments, any dive for gain or reward, solo diving, cave diving, any dive which takes you deeper than your current qualification limits, or any dive deeper than 30 metres under any circumstances.
- Free mountaineering, climbing in remote or inaccessible regions, exploratory expeditions and new routes, high altitude climbing over 6,000 metres, mountaineering expeditions, or expeditions to the Arctic or Antarctica or of a dangerous nature.
- Personal Accident (Section 10 cover excluded)
- Personal Liability (Section 10 cover excluded)
-
Definitions
Work; working: any work, including volunteer work, work placements, incidental work and work experience, whether paid or unpaid, which can be classified as either:
- Non-manual work, which is any professional, clerical or administrative work involving light duties only, including for example a classroom teacher or assistant, au pair, nanny or child minder; or
- Manual work, which is general work other than non-manual work. Manual work includes for example general cleaning, maintenance, bartending, WWOOFing (participating in World Wide Opportunities on Organic Farms) and general farmhand activities.
Level 1 activities in the List of Activities are automatically covered. Your policy can be upgraded to include cover for Level 2, 3 and 4 adventure, sport, work, study and volunteer activities when you select the activity(ies) and pay the additional premium. All activities are subject to the General Conditions:
-
List of Activities NOT Covered under any level
- Acrobatics
- Activities at a professional or semi-professional level
- American football (Gridiron)
- Base jumping; Wingsuit
- Boating on white water
- Bobsled/Bobsleigh
- Boxing competitions or bouts
- Canyoning
- Caving/spelunking: other than sightseeing or tourist attraction
- Cliff diving
- Climbing: exploratory expeditions, new routes, remote or inaccessible regions
- Climbing: high altitude, over 6,000 metres
- Competing; competing at international events as national representative
- Crewing a vessel over 60 miles from a safe haven
- Cycling/biking: intercontinental touring, with a tour operator or independent
- Cycle jumping / BMX / racing / time trial
- Diving/scuba diving: unaccompanied dive / in overhead environments / for gain or reward
- Dogsledding / Sleigh rides (horse drawn): remote areas / racing / time trials / endurance events / on unrecognised trails
- 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 / Scooter biking / Motorbiking: touring, or main mode of transport
- Motorbiking over 125cc
- Motorbiking / Trail biking: off-road
- Motor sports
- Mountaineering expeditions
- Outdoor endurance course / obstacle course / assault course / trim trail / tough mudder: up to 13 miles
- Paragliding / parapenting / parascending
- Potholing
- Quad biking / ATVs
- Rock climbing: soloing
- Rollerblading, roller skating and in-line skating stunting / roller derby / roller hockey
- Running: over marathon distance
- Scuba diving / cage diving: deeper than 30 metres
- Skeleton
- Skiing / Snowboarding: (jumping / stunting / ski-flying / acrobatics)
- Skiing / Snowboarding: (racing / competition / national squad training)
- Snowmobiling / Snow kiting / Snow biking
- Speed boating outside coastal waters
- Speed trials
- Work: offshore / underground, including as a guide
- Work: with mechanical / industrial machinery
- Work: with dangerous animals; e.g. big cats, crocodiles, alligators, sharks, snakes, elephants, etc.
- Work as instructor or guide: diving / skiing/ snowboarding / underground, in caves / where ropes or other specialist climbing equipment is required.
- Work: dangerous or extreme pursuits
- Work: at height from 2 metres above ground level
I bit on something hard
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
B.P. U.S Resident in South Africa.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy in an accident?
- Sudden death of an immediate relative?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Injured abroad?
- Need a hospital urgently?
- Medical evacuation home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about adventure activities and sports insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).
-
Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered?
We don't publish a list of doctors or dentists. If you need help finding one, call our assistance teams, and they'll guide to the most appropriate medical professional.
-
Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas. They don't stand in place of primary medical insurance or government healthcare.
