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.

Whether you are into fantasy, renaissance, steampunk, or horror, the excitement of participating in live action role play (LARP) can be electrifying. You’re able to step away from the mundane reality and responsibilities of life and immerse yourself in the adventurous fun of a fictional setting. 

Most game masters take steps to try to keep the environment safe, but some things can’t be avoided. If you are attacked by a crunchy, step back too far when blocking, and trip over a tree root, that fall will bring you back to reality quickly. If you have plans to participate in a LARP event on your next trip, you may want to consider a World Nomads travel insurance* plan with adventure sports coverage. 

• Should I consider travel insurance for LARP
• What other activities are covered by travel insurance?
• What is covered by travel insurance?
• What are some things travel insurance would not cover?
• Tips for LARPing Safely

Should I consider travel insurance for LARP? 

Trip and falls are some of the most common injuries that happen while LARPing. When you’re engrossed in the moment, you can become so consumed in your actions that you don’t pay attention to the terrain around you. Uneven ground and a twisted ankle can be scarier than the horde of monsters coming towards you. Getting hit in the eye with a spell packet is not any fun either. If you get hurt, your health insurance may not always cover you when you are traveling to destinations outside of your network or plan. However, a travel insurance plan from World Nomads may be able to assist by helping to reimburse expenses for things like x-rays, prescription medications, a hospital stay, or other emergency medical needs if you get hurt while LARPing.

What other activities are covered by travel insurance?

Are you planning to explore even more sports and adventures during your travels? World Nomads offers adventure travel insurance that covers more than 250 activities for US residents, and you can also have coverage for activities like backpacking, karate, and paint balling.

We offer four plans – Standard, Explorer, Epic and Annual – each with different levels of coverage. When you get a quote, you can compare the plans, which offer coverage up to 180 days per single trip. And if you plan to take numerous trips during the year, the Annual Travel Insurance Plan could be best for you; it has a maximum trip length of 45 days.

What is covered by travel insurance?

World Nomads covers international and domestic trips, when traveling at least 100 miles from home. In addition to emergency medical expense coverage, travel insurance may help with several other unexpected emergency situations you may encounter while you are on your trip. For US residents, World Nomads may also offer coverage for: 

• Baggage and Gear: If the airline lost the bag that held your favorite boffer sword, baggage coverage may help reimburse the cost to replace it if it’s lost by a common carrier. All plans also include the non-insurance service Blue Ribbon Baggage, which will track and expedite the return of your airline baggage if it is lost or delayed.
• Trip Interruption and Cancellation Insurance: if your trip is cancelled, interrupted, or delayed due to an unforeseen event like an illness or injury, you may be able to recover your nonrefundable, prepaid travel expenses through our trip cancellation, trip interruption or trip delay coverage. 

• Evacuation: If you get injured while LARPing in a place where there aren't nearby medical facilities, the 24/7 Emergency Assistance Team could help get you transported to a place that offers the level of care you need.  

What are some things travel insurance would not cover?

If you arrive at your event and aren’t vibing with the plot of your LARP, your adventure travel insurance would not cover the cancellation of your trip. Some other things that are not covered include:

• Damage that happens to your LARP equipment while you are using it.
• Injuries that happen if you are LARPing under the influence of drugs or alcohol.
• Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period were medically able to travel at the time of purchase.
• Participation in other activities not listed as covered in your policy.
• Domestic travel within 100 miles of your home.

Tips for LARPing safely

We’ve learned that every LARP is different, and we encourage you to make sure an event fits your comfort level before participating. Find out ahead of time what type of story you are joining in, and the combat the event allows. Never make assumptions about safety and always ask questions related to the equipment and actions that are classified as safe.  

Here are a few other tips we have found to help keep you safe while LARPing:

• Drink plenty of water. 
• Know the safe words beforehand.
• Read all the rules. 
• Listen to the game master and marshal. 
• Don’t drink alcohol and LARP.
• Wear a helmet.
• Perform a weapons check.
• Get rest the day before. 
• Take breaks when you need to. 

*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.

Whether you are into fantasy, renaissance, steampunk, or horror, the excitement of participating in live action role play (LARP) can be electrifying. You’re able to step away from the mundane reality and responsibilities of life, and temporarily enjoy some adventurous fun in a fictional setting. 

Most game masters take steps to try to keep the environment safe, but some things can’t be avoided. If you are attacked by a crunchy, step back too far when blocking, and trip over a tree root, that fall to the ground will bring you back to reality quickly. If you have plans to participate in a LARP event on your next trip, you may want to consider a World Nomads travel insurance plan with adventure sports coverage.  

• Should I consider travel insurance for LARP
• Does travel insurance cover other adventure activities I might participate in during my trip?
• What else is covered by travel insurance?
• What are some things trip insurance would not cover?
• Tips for LARPing Safely

Should I consider travel insurance for LARP? 

Trip and falls are some of the most common injuries that happen while LARPing. When you’re engrossed in the moment as a player character or non-player character, you can become so consumed in your actions that you don’t pay attention to the terrain around you. Uneven ground and a twisted ankle can be scarier than the horde of monsters coming towards you. Getting hit in the eye with a spell packet is not any fun either. A travel insurance plan from World Nomads could assist by helping to reimburse expenses for things like an ambulance transfer, prescription medication, hospital stay, or other emergency medical needs if you get hurt while LARPing. You will still need to have Government Health Insurance Plan (GHIP) coverage in your home province while you are on your trip though. If you don’t, your total limit for all emergency medical expenses during your trip is limited to CAD $40,000. 

Does travel insurance cover other adventure activities I might participate in during my trip?

Are you planning to explore even more sports and adventures while you are travelling? World Nomads covers more than 250 activities for Canadian residents. When you get a quote, you can check out our Standard and Explorer plans to compare coverage side by side and decide on the best travel insurance coverage for your needs. 

You will need to list all the activities that you plan to participate in while on your trip at the time that you purchase your policy. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time. 

Level 1 activities like live action role play, archery, canyoning, and golf are automatically covered, but these will still need to be listed when you purchase your policy. However, you will need to pay an additional premium to be covered for Level 2 and Level 3 activities like hang gliding, tandem skydiving, or zip lining. Special conditions may also apply. If you plan on participating in an activity that isn’t listed in your policy wording, you will need to contact us to determine  if you will be  covered. 

What else is covered by travel insurance?

World Nomads covers international and domestic trips, when travelling outside of your home province. In addition to emergency medical coverage, travel insurance may help with several other aspects of your trip. For Canadian residents, World Nomads may also offer coverage for: 

• Baggage and Gear: If the airline lost the bag that held your favorite boffer sword, baggage cover may help reimburse the cost to replace it if it’s lost by a common carrier.  If your baggage going to your destination is delayed by an airline or ground carrier for 12 hours or more, you may also be reimbursed for things like toiletries or a change of clothes until you are reunited with your bag. Check the policy wording for complete details of coverage, conditions, and exclusions.  
• Trip Interruption and Cancellation Insurance: If something unexpected happens like an illness or injury, and you need to cancel or interrupt your trip, you may be able to recover your unused, prepaid, non-refundable travel expenses. 
• Evacuation: If you get injured while LARPing in a place where there aren't nearby medical facilities, the World Nomads 24/7 Emergency Assistance Team could help get you transported to a place that offers the level of care you need.  

What are some things travel insurance would not cover?

If you arrive at your event, and aren’t vibing with the plot of your LARP, your adventure travel insurance would not cover you if you wanted to cancel or interrupt of your trip. Some other things that are not covered include:

• Damage that happens to your LARP equipment while you are using it
• Injuries that happen if you are LARPing under the influence of drugs or alcohol
• Pre-existing medical conditions 
• Participation in other activities not listed as covered in your policy
• Domestic travel within your home province

Tips for LARPing safely

We’ve learned that every LARP is different, and we encourage you to make sure an event fits your comfort level before participating. Find out ahead of time what type of story you are joining in, and the combat the event allows. Never make assumptions about safety and always ask questions related to the equipment and actions that are classified as safe.  

Here are a few other tips we have found to help keep you safe while LARPing:

• Drink plenty of water. 
• Know the safe words beforehand.
• Read all of the rules. 
• Listen to the game master and marshal. 
• Don’t drink and LARP.
• Wear a helmet.
• Perform a weapons check.
• Get rest the day before. 
• Take breaks when you need to. 

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.

Whether you are into fantasy, renaissance, steampunk, or horror, the excitement of participating in live action role play (LARP) can be electrifying. You’re able to step away from the mundane reality and responsibilities of life, and temporarily enjoy some adventurous fun in a fictional setting. 

Most game masters take steps to try to keep the environment safe, but some things can’t be avoided. If you are attacked by a crunchy, step back too far when blocking, and trip over a tree root, that fall to the ground will bring you back to reality quickly. If you have plans to participate in a LARP event on your next trip, you may want to consider a World Nomads travel insurance plan with adventure sports cover.  

• Should I consider travel insurance for LARP
• Does travel insurance cover other adventure activities I might participate in during my trip?
• What else is covered by travel insurance?
• What are some things trip insurance would not cover?
• Tips for LARPing Safely

Should I consider travel insurance for LARP? 

Trip and falls are some of the most common injuries that happen while LARPing. When you’re engrossed in the moment as a player or non-player character, you can become so consumed in your actions that you don’t pay attention to the terrain around you. Uneven ground and a twisted ankle can be scarier than the horde of monsters coming towards you. Getting hit in the eye with a spell packet is not any fun either. If you get hurt, your health insurance may not always cover you when you are traveling to destinations outside of your network or plan. However, a travel insurance plan from World Nomads could assist by helping to reimburse expenses for costs like x-rays, prescription medications, a hospital stay, or other emergency medical needs if you get hurt while LARPing. 

Does travel insurance cover other adventure activities I might participate in during my trip?

If you are looking to explore even more sports and adventures during your travels, you can compare the adventure travel insurance cover in both the Standard and Explorer travel insurance plans that are offered by World Nomads, as we offer cover for more than 150 activities

When you get a quote, you can select your country of residence, and compare both plans side by side to see what each covers. The Explorer plan has higher limits and sub-limits of coverage, and for some countries of residence, it includes additional covered activities. Depending on your country of residence, you may need to add activities to your policy when you purchase it. Check out both plan options, because only you can decide the best travel insurance for your needs.

If you aren’t sure if something is covered, contact our customer service team and they can help explain what each policy includes. 

What else is covered by travel insurance?

In addition to emergency medical cover, travel insurance may help with several other unexpected situations you may encounter while you are on your trip. Depending on your country of residence, World Nomads may also offer cover for: 

• Baggage and Gear: If the airline lost the bag that held your favorite boffer sword, baggage cover may help replace it if it’s lost by a common carrier.  
• Trip Interruption and Cancellation Insurance: If something unexpected happens like an illness or injury, and you need to cancel or interrupt your trip, you may be able to recover your unused, prepaid, non-refundable travel expenses. 
• Evacuation: If you get injured while LARPing in a place where there aren't nearby medical facilities, the World Nomads 24/7 Emergency Assistance Team could help get you transported to a place that offers the level of care you need.  

What are some things travel insurance would not cover?

If you arrive at your event, and aren’t vibing with the plot of your LARP, your adventure travel insurance would not cover the cancellation of your trip. Some other things that are not covered include:

• Damage that happens to your LARP equipment while you are using it
• Injuries that happen if you are LARPing under the influence of drugs or alcohol
• Pre-existing medical conditions 
• Participation in other activities not listed as covered in your policy 

Tips for LARPing safely

We’ve learned that every LARP is different, and we encourage you to make sure an event fits your comfort level before participating. Find out ahead of time what type of story you are joining in, and the combat the event allows. Never make assumptions about safety and always ask questions related to the equipment and actions that are classified as safe.  

Here are a few other tips we have found to help keep you safe while LARPing:

• Drink plenty of water.  
• Know the safe words beforehand.
• Read all of the rules. 
• Listen to the game master and marshal. 
• Don’t drink and LARP.
• Wear a helmet.
• Perform a weapons check.
• Get rest the day before. 
• Take breaks when you need to. 

This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

Millions of people have fallen in love with the unique combination of tennis, badminton, and ping pong known as pickleball.

As one of the fastest growing sports in the world, more hotels are building pickleball courts to give experienced and new picklers a chance to get in on the action while they are travelling.

While serious injuries are rare in pickleball, even the best of us have lost our balance and taken a tumble when going for an overhead slam.

If pickleball is on your list of activities for your next trip, you may want to consider a World Nomads travel insurance plan with adventure sports coverage, that offers coverage to protect you both on and off the court, when you are travelling. 

• Should I consider travel insurance for pickleball
• Does travel insurance cover other adventure sports I might participate in during my trip?
• What else is covered by travel insurance?
• What's not covered

Should I consider travel insurance for pickleball? 

Falls are one of the most common pickleball related injuries. You can be proactive and take steps ahead of time to work on your balance, but as you are twisting, turning, and moving across the court, there’s always a possibility of accidents.

A travel insurance plan from World Nomads could assist with things like x-rays, medication, a hospital stay, or other emergency medical needs you may have if you suffer an emergency medical condition and get hurt playing pickleball.

You will still need to have GHIP coverage in your home province while you are on your trip though. If you don’t, your total limit for all emergency medical expenses during your trip is limited to CAD $40,000. 

Does travel insurance cover other adventure sports I might participate in during my trip?

Planning to explore even more sports and adventures during your travels? World Nomads covers more than 250 activities for Canadian residents.

When you get a quote, you can check out our Standard and Explorer plans to compare coverage side by side.

You will need to list all of the activities that you plan to participate in while on your trip at the time you purchase your policy. You won’t be able to add activities after you make your purchase, so make sure you add them all at that time. 

Level 1 activities like bungee jumping, hot air ballooning, and roller skating are automatically covered (and will still need to be listed when you purchase your policy). However, you will need to pay an additional premium to be covered for Level 2 and Level 3 activities like snowboarding, rappelling, or hang gliding.

If you are participating in an activity that isn’t listed in your policy wording, you will need to contact us to make sure you are covered. 

What else is covered by travel insurance?

In addition to emergency medical coverage, travel insurance may help with several other unexpected and unforeseen emergency situations you may encounter while you are on your trip.

For Canadian residents, World Nomads may also offer coverage for:

• Baggage protection: If the airline lost the bag that held your favorite paddle, baggage protection may help reimburse the cost to replace it if it’s lost by a common carrier. If your baggage is delayed by an airline or ground carrier for more than 12 hours while on your way to your destination, you may also be reimbursed for the essentials, like toiletries and a change of clothes, that you might need until you are reunited with your bag. Check the policy wording for complete details of coverage, conditions, and exclusions.
• Trip Cancellation or Interruption: If something unexpected happens like an illness or injury, and you need to cancel or interrupt your trip, you may be able to recover your unused, prepaid, non-refundable travel expenses.
• Evacuation: If you get injured playing pickleball in a place where there aren't nearby medical facilities, the World Nomads 24/7 Emergency Assistance Team could help get you transported to a place that offers the level of care you need.

What are some things travel insurance would not cover?

• Damage that happens to your pickleball equipment while you are using it.
• Injuries that happen if you are competing in a professional pickleball competition.
• Injuries that happen if you are playing pickleball under the influence of drugs or alcohol.
• Pre-existing medical conditions.
• Participation in other activities not listed as covered in your policy. 

Tips for playing pickleball

From our own time on the court, we’ve learned that many injuries can often be avoided.  Here are a few tips we have learned from our own experiences as picklers. 

• Drink plenty of water. This can help prevent dizziness, nausea, and cramps that could cause an injury.  
• Wear the right shoes. Shoes designed for court sports are best.  The soles are really important since you are moving from side to side and shifting your weight.  Try to find a shoe that has good stability on both the inside and outside of your foot.
• Wear eye protection. The ball is lightweight, but it can travel at high speeds.  You don’t want it flying toward your unprotected eyes. 
• Pick the right paddle. Higher quality paddles are made to absorb some of the impact better, and could help you avoid elbow and shoulder injuries. You will also want to make sure the one you choose isn’t too heavy for you.
• Warm up. Even a brisk 5 minute walk around the court helps get your heart pumping before you play. 
• Make sure to stretch before and after you play pickleball.  Focus on your ankles, legs, groin, lower back, shoulders, and arms.
• Don’t play on wet courts. Even though the court’s surface is typically gritty to provide extra traction, it can become slick when wet.
• Wear sunscreen when playing outside. Look for one that has an SPF of 30 or higher, and reapply it every two hours. 
• Check with your doctor. You know your body best. If you have physical conditions that you have concerns about, always talk to your doctor first about any exercise limitations that you may have.  

This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.