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Frequent queries on insurance, claims and getting help in an emergency

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  1. World Nomads
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  4. Insurance

Travel Insurance for China

Among ancient cities and amazing landscapes, learn how travel insurance can protect Americans traveling to China.

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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.

At a glance:

  • Travel insurance benefits for China may include trip cancellation, delay, and interruption
  • Coverage for medical emergencies, medical evacuation, and natural disasters while abroad
  • Protection for lost, stolen, or delayed baggage and personal belongings
  • Coverage for 250+ adventure and sports activities across China (hiking and rock climbing included)!
  • Optional Cancel For Any Reason (CFAR) upgrade for extra flexibility. Additional terms apply

Whether you’re braving the crowds of Beijing or retracing the footsteps of nomads before you on the Silk Road, China is as diverse as you’d expect a country of 1.4 billion people to be - and offers many exciting experiences for American visitors.

Foodies may want to taste their way through China on a search for the best xiaolongbao (also known as Chinese soup dumplings.) Partygoers can dance the night away in Shanghai, while history buffs may prefer to trade the skyscrapers for some of the ancient Chinese villages like Chengyang and Xitang. Many Americans also include the Great Wall of China as a part of their itinerary or decide to visit during the festive activities that happen during Chinese New Year.

Such uniqueness brings surprises – some are amazing, but others not so much.

For the not so awesome surprises like travel accidents and lost bags, you may want to consider travel insurance* for China. We also encourage you to check out our team’s tips for the things you need to know before visiting China.

Do I need travel insurance for China?

You booked the flights to Shanghai and even pre-purchased tickets for Yu Garden. You’ve taken the steps to plan an awesome vacation, but there are some things you just can’t plan for.

If you get hurt hiking through the bamboo forests at Monganshan National Park you may need to see a doctor. Or if a typhoon hits Shenzhen before your trip, it could make it impossible for you to travel there.

American travelers may want to consider travel insurance for China that could help with things like trip cancelation, overseas medical coverage, and repatriation. There are four plans to select from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.

Travel insurance for activities in China

World Nomads covers more than 250 activities for Americans traveling to China- including things like surfing in Houhai Bay, rock climbing in Yangshuo, and paragliding in Hangzhou.

When you get a quote for your travel insurance for China, it’s advantageous to have a rough idea of your activities. Knowing your itinerary in advance will help you choose the best plan for your needs to ensure you’re covered throughout your journey.

Each plan offers differing coverage. For example, kite flying in a traditional Chinese festival is covered under all plans, including the Standard Plan. Learning the ancient art of Kung Fu is also covered with every World Nomads travel insurance plan. However, if you choose to engage in a more intensive style of martial arts, including Mixed Martial Arts, you’ll want to invest in an Explorer or Epic Plan.

Travel insurance for medical emergencies in China

If you’re scuba diving the Great Wall of China (yes, that’s a thing!) and get decompression sickness, emergency medical coverage could reimburse you for your medical expenses. If your injury is serious, the 24/7 emergency assistance team may also recommend that you return home to the United States for treatment. In that instance, repatriation coverage that is included in your travel insurance for China may get you there.

Keep in mind that your health insurance likely won’t cover your medical expenses in China, so investing in travel insurance for China may help cover unexpected emergencies. If you have a medical emergency when traveling to China, you can call the 24/7 emergency assistance team and they can help refer you to a place that offers the level of care that you need. If your medical team only speaks Mandarin, our team can also help communicate with your doctors.

To streamline your experience seeking medical treatment in China, we recommend signing up for our Portable Health Records service. This non-insurance service allows your documents, prescriptions, test results, and emergency contacts to be accessible in one place, anywhere in the world. Whether you need to refill a prescription or deal with a more serious injury, this service can expedite the process.

Travel insurance for lost bags in China

It’s not something anyone wants to think about, but sometimes you’re left sitting at the carousel waiting for the bag that never comes.

What happens if your checked bag ends up in Hunan instead of Hainan? If you’re lucky, your bag just took a detour and will eventually make its way to you. Even a delayed bag can be stressful though. If your bag is delayed for at least 12 hours, you could still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.

If your bag never arrives, the first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact the Delayed or Lost Baggage Tracking and Delivery service, which is another of our non-insurance service partners. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.

Travel insurance for pickpockets in China

With such a large population, it can be hard dealing with the crowds while traveling in China. Unfortunately, where there are crowds, there can also be pickpockets.

We’ve heard claims of theft happening at transportation stations and on trains. It’s also not uncommon to hear reports of pickpocketing around major attractions located in some of the larger cities like Shanghai, Guangzhou, Xian, and Guiyang.

Before you leave the United States, make sure to review our tips for protecting yourself from petty crime in China. Be aware of your surroundings and avoid putting anything valuable in your back pockets.

If you’re robbed, make sure you file a police report. You’ll need that if you make a claim.

Travel insurance for canceled, interrupted, or delayed trips to China

What happens if you get sick a few days before leaving for China? If your doctor tells you not to leave the US at that time, you could be forced to cancel your trip. Your travel insurance for China plan includes cancellation coverage and could reimburse you for those non-refundable flights, hotels, and activities you paid for in advance.

Sometimes situations happen that can disrupt your plans once you’re already in China. If there’s an unexpected landslide, it could prevent you from continuing on with your planned activities.

If you have travel insurance for China, and something unexpected happens that causes you to cancel, delay, or interrupt your trip, you may be able to recover your unused, prepaid, non-refundable travel expenses.

If you want an additional safety net for your trip, consider purchasing CFAR (cancel for any reason) as an add-on benefit to your Explorer or Epic Plan. You must purchase this during the time sensitive period. Whether you simply change your mind or need to cancel your vacation for any reason not covered by the insurance plan, CFAR allows you to cancel and get back a portion of your prepaid, non-refundable trip expenses, whether that be a cruise or a cultural excursion.

Tips for traveling to China from the United States

Before you leave the US, we encourage you to check out the US government’s safety warnings for China. Weather, safety, and political situations can change at any time, and this is where they list their up-to-date warnings.

Watch out for some of the scams in China like counterfeit Chinese money. Try to carry smaller denominations or only pay with exact change to avoid getting fake money in return.

If you purchase travel insurance for China, it’s always a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens.

Before you head off on your trip, try to learn how to speak a few Mandarin phrases. In certain areas of China, you won’t find people that know how to speak English. You may also want to download our China Travel Safety Guide.

*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.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

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

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

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

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

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

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team
Photo © Kiszon Pascal/Getty Images
  1. World Nomads
  2. Category
  3. Type
  4. Insurance

Travel insurance for China

Say Ni Hao to ancient cities, dancing dragons, and amazing landscapes - adventure awaits in China! 

    As featured in:

  • As featured in:

Whether you’re braving the crowds of Beijing or retracing the footsteps of nomads before you on the Silk Road, China is as diverse as you’d expect a country of 1.4 billion people to be - and offers a plethora of opportunities for Canadian visitors.  

Foodies may want to taste their way through China on a search for the best xiaolongbao (also known as Chinese soup dumplings.) Partygoers may want to dance the night away in Shanghai, while history buffs may prefer to trade the skyscrapers for some of the ancient Chinese villages like Chengyang and Xitang.  

Many Canadians also include the Great Wall of China as a part of their itinerary or decide to visit during the festive activities that happen during Chinese New Year.  

Such uniqueness brings surprises – some are amazing, but others not so much. 

For the not-so-awesome surprises like travel accidents and lost bags, you may want to consider travel insurance for China. We also encourage you to check out our team’s tips for the things you need to know before visiting China.  

Do I need travel insurance for China?  

You booked the flights to Shanghai and even pre-purchased tickets for Yu Garden. You’ve taken the steps to plan an awesome vacation, but there’s some things you just can’t plan for.  

If you get hurt hiking through the bamboo forests at Monganshan National Park you may need to see a doctor.  Or if a typhoon hits Shenzhen before your trip, it could make it impossible for you to travel there.   

Canadian travellers may want to consider travel insurance for China that could help with things like trip cancellation, overseas medical coverage, and repatriation. There are different plans to select from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.  

Travel insurance for activities in China  

World Nomads covers more than 250 activities for Canadians travelling to China- including things like surfing in Houhai Bay, rock climbing in Yangshuo and paragliding in Hangzhou. 

When you get a quote for your travel insurance for China, you’ll need to list your planned activities. 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.  If you are participating in an activity that isn’t listed in your policy wording, you can contact us to determine if you will be covered.      

Travel insurance for medical emergencies in China  

If you’re scuba diving the Great Wall of China (yes, that’s a thing!) and get decompression sickness, emergency medical coverage could reimburse you for your medical expenses. If your injury is serious, our medical team may also recommend that you return home to Canada for treatment. In that instance, repatriation coverage that is included in your travel insurance for China could get you there.  

Keep in mind that your Government Health Insurance Plan may only pay a small portion, if any, of your medical expenses in China. In most situations, medical providers will want their money upfront and you would submit for reimbursement afterwards. 

If you have a medical emergency when travelling to China, you can call the 24/7 emergency assistance team and they can help refer you to a place that offers the level of care that you need. If your medical team only speaks Mandarin, our team can also help communicate with your doctors if there’s a language barrier.   

Travel insurance for lost bags in China  

What happens if your checked bag ends up in Hunan instead of Hainan? If you’re lucky, your bag just took a detour and will eventually make its way to you. Even a delayed bag can be stressful though. If this happens, you could still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.  

It’s not something anyone wants to think about, but sometimes you’re left sitting at the carousel waiting for the bag that never comes. If you arrive in Shenzhen and realize that your bag is gone forever, the baggage coverage included in your travel insurance for China may reimburse you for the cost to replace your lost belongings.

When you get a quote, you can check the policy wording in your international travel insurance policy to get the specific details on depreciation and policy limits.  

Travel insurance for pickpockets in China  

With such a large population, it can be hard dealing with the crowds while travelling in China. Unfortunately, where there are crowds, there can also be pickpockets.  

We’ve heard claims of theft happening at transportation stations and on trains. It’s also not uncommon to hear reports of pickpocketing around major attractions located in some of the larger cities like Shanghai, Guangzhou, Xian and Guiyang.  

Before you leave Canada, make sure to review our tips for protecting yourself from petty crime in China. Be aware of your surroundings and avoid putting anything valuable in your back pockets. You may also want to carry handbags across your body, and even wear backpacks on your front. 

If you’re robbed, make sure you file a police report. You’ll need that if you make a claim.  

Travel insurance for cancelled, interrupted, or delayed trips to China  

What happens if you get sick a few days before leaving for China? If your doctor tells you not to leave Canada at that time, you could be forced to cancel your trip. Your travel insurance plan for China includes cancellation coverage and could reimburse you for those non-refundable flights, hotels, and activities you paid for in advance.  

Sometimes situations happen that can disrupt your plans once you’re already in China. If there’s an unexpected landslide and the Canadian Government issues a travel advisory against travel to that region of China, it could definitely prevent you from continuing on with your planned activities.  

If you have travel insurance for China, and something unexpected happens that causes you to cancel, delay, or interrupt your trip, you may be able to recover your unused, prepaid, non-refundable travel expenses.  

China Travel Tips 

Before you leave Canada, we encourage you to check out the Canadian government’s safety warnings for China to review their up-to-date warnings on any advisories. Weather, safety, and political situations can change at any time, and this is where they list their up-to-date warnings on any advisories that may exist at that time.  

Watch out for some of the scams in China- like counterfeit Chinese money. Try to carry smaller denominations or only pay with exact change to avoid getting fake money in return.  

If you purchase travel insurance for China, it’s always a good idea to save the 24/7 Emergency Assistance phone number and your policy number in your cell phone so you don’t have to search for that if an emergency happens.  

Try to learn how to speak a few Mandarin phrases before you go. In certain areas of China, you won’t find people that know how to speak English or French.  

You may also want to download our China Travel Safety Guide. 

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. 

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

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

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

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

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

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

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team
Photo © Mixetto/IStock
  1. World Nomads
  2. Category
  3. Type
  4. Insurance

What To Do if Your Passport Is Stolen

To make a claim, these are the steps you need to follow if your passport is stolen.

    As featured in:

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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.   

Did someone steal your bag with your passport in it? If you don’t have it locked up in a secure place, this can happen to you in even the ‘safest’ of places. If a thief makes off with your passport, you’ll want to get an emergency one ASAP and then get the process started for making a claim with your World Nomads travel insurance*. Use this guide to help you figure out the steps to take. 

1. Report the incident immediately

Go to the relevant authorities and get a report of the incident. These authorities may include: 

  • The local police.
  • The US embassy, diplomatic or consular mission. 

Note: It's important to report the theft of your passport immediately to avoid identity theft and any other illegal uses of your document. Your travel insurance claim may also be affected if you don't report the theft to us within 20 days. Contact our Emergency Assistance team if you have any questions. 

2. Get an emergency passport

Go to the nearest US Embassy or Consulate abroad to apply for a replacement passport. You'll need a passport photo, an ID (such as a driver’s license), proof of citizenship (birth certificate, photocopy of your passport), your travel itinerary and your airline and train tickets, and a declaration of a stolen or damaged passport. 

For more tips on getting a passport abroad, go to the US Department of State. 

3. Reschedule or cancel any affected travel arrangements

Contact any accommodation, tour, transportation and other providers to rebook or cancel any arrangements you may have scheduled. Make sure you get a printed confirmation of any changes or cancellations, and itemization of any refunds or additional fees. 

4. Keep your receipts

If you think you'll need to make a claim, you'll need to keep original receipts and official reports as proof. Supporting documents should be submitted within 90 days and could include your travel itineraries; booking and cancellation confirmations for transportation and accommodations; and receipts for any other expenses. 

5. Make a claim

Read over your insurance plan to see what’s covered and to check if any terms, conditions or exclusions apply. Depending on how and when your passport was stolen, you may be eligible for coverages like Trip Delay or Lost Baggage. With World Nomads, you can file your claim on our web site and send in any supporting documentation afterwards. But take note that timing is everything: You’ll need to inform us that you’re making a claim within 20 days of the theft and file the rest of your paperwork within 90 days.   

If you have questions about coverage or the claims process, just ask us. 

*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. 

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

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

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

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

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

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

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team
  1. World Nomads
  2. Category
  3. Type
  4. Insurance

What To Do if Your Luggage Is Delayed

Essential steps to take when luggage is delayed, including tips on making a claim, and using your travel insurance.

    As featured in:

  • As featured in:

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.

1. Report it to your carrier

Once you realize that your luggage is missing, report it immediately to the carrier — your airline or tour operator, for example. Get a written Property Irregularity Report (PIR) as a confirmation of the delay.

2. Ask for compensation

Check with your carrier to see if you qualify for any compensation such as for the cost of basic personal items while you wait for your bags to be returned. You should keep a copy of the exchange with your carrier that confirms or denies any coverage. The travel insurance* claims department will need to see what was approved or denied before issuing any benefits.

3. Contact the Delayed or Lost Baggage Tracking and Delivery service

If you have World Nomads travel insurance, you’re in good hands. All plans include this non-insurance service that finds and expedites the return of lost or delayed airline luggage so you can get on with your travels. The service covers every flight on every airline anywhere in the world, and you’ll be updated every step of the way. Simply report your lost bags after alerting the airline. Make sure to have the file reference or record locator number and Property Irregularity Report from the airline on hand.

4. Keep your receipts

If you're not compensated by the carrier and there’s no sign of your bags, you may qualify for travel insurance coverage should the delay be a minimum of 12 hours – and if it doesn't happen on your return flight home. Keep the original receipts for any basic personal items you purchase such as toothbrushes, prescription medication or a change of clothes.

Before you go shopping for designer jeans or a new ballgown, remember that your plan has limits on what's considered a reasonable expense, and on the amount of coverage allowed per day. Read your plan carefully and contact us if you have any questions on what might be covered. (You wouldn't believe some of the extravagant claims we've seen!)

5. Get a second report

Once you get your luggage, get written confirmation from the carrier confirming the length of the delay. In order to be eligible for benefits, the bags must have been delayed for at least 12 hours after the scheduled arrival time. You won't qualify for any reimbursements for less than that amount of time.

6. Prepare your claim

Read over your insurance plan to see what's covered and to check if any terms, conditions or exclusions apply. With World Nomads, you can file your claim online and, if necessary, send in any supporting documentation afterwards. You should make your claim no later than 20 days from the incident and provide documentation within 90 days.

If you have questions about coverage or the claims process, just ask us. We’re happy to help.

*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.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

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

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

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

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

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

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team
Photo © Smitt/IStock
  1. World Nomads
  2. Category
  3. Type
  4. Insurance

What To Do if Someone On the Policy Dies

Learn how World Nomads may be able to assist Americans should the worst happen.

    As featured in:

  • As featured in:

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.

1. Contact us

We understand that this is a terrible and difficult time, but we’re here to help and can guide you through the process. As a first step, you should contact the 24/7 Emergency Assistance team. We’ll put you in touch with the necessary authorities and help you make any other arrangements related to the death.

2. Get it in writing

While gathering documentation may be the last thing on your mind, it’s a necessary formality to get the supporting proof required for your claim. Here are some examples of the sort of documents you may need, depending on the details of your case:

  • A death certificate confirming the cause of death;
  • A hospital admission report for any overnight stays or in-patient treatment;
  • Ambulance and medical evacuation reports;
  • A police report.

In some instances, we may need to obtain past medical history records from the deceased person’s primary care doctor. Our claims department will let you know if that’s necessary.

3. Keep your receipts

You’ll need to notify us within 20 days that you’re making a claim and submit your documentation within 90 days.

Get together any original receipts, including your travel itineraries; confirmation of your bookings and any cancellations; and for any additional expenses that you might have incurred because of the incident. You’ll need to submit these documents as evidence for your claim. We reserve the right to reduce or reject your claim if you don’t hand in the proper paperwork.

Read over your insurance plan to see what’s covered and to check if any terms, conditions or exclusions apply. If you have questions about what's covered and not covered, just ask us.

*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.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

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

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

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

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

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

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team
  1. World Nomads
  2. Category
  3. Type
  4. Insurance

What To Do if You’re Hurt in an Accident

Learn how travel insurance could help if you're hurt in an accident.

    As featured in:

  • As featured in:

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.

1. Safety first

Make sure everyone is safe and out of immediate danger. Call the local authorities if you need help (make sure to save the emergency number in your phone!).

2. Seek medical attention

Get medical help from a health care practitioner, such as a doctor, or by going to a hospital. If you contact the 24/7 Emergency Assistance team, they can help direct you to nearby medical facilities or help translate for you, should that be needed. Once you are safe, notify the Emergency Team, if you haven't already, to ensure you are receiving the appropriate care and to work out medical bill details. In many cases, you’ll need to pay before leaving the hospital.

3. Get it in writing

After an accident, gathering documents may be the last thing on your mind. However, it’s important to get the right paperwork before leaving the scene of the accident or the hospital. Ask your travel companion for help if you need to. The types of documents we’re looking for include:

  • Doctor or other medical practitioner’s reports.
  • Hospital admission reports showing the chief complaint of your visit and your diagnosis.
  • Ambulance and medical evacuation reports.
  • Police reports (if applicable).
  • Itemized invoice showing all services rendered with diagnosis.

4. Keep your receipts

In addition to official reports, you'll also need to keep original receipts as evidence for your claim. You’ll need to notify us within 20 days that you’re making a travel insurance* claim and submit your documentation within 90 days.

Supporting documents could include your travel itineraries, receipts for accommodations, prescription medication, ER costs, and hospital and physician reports. We reserve the right to reduce or reject your claim should you not have the proper records.

5. Need to know more?

Read over your insurance plan to see what’s covered and to check if any terms, conditions or exclusions apply. With World Nomads, you can file your claim through our website and send in any original documentation within 90 days.

If you have questions about coverage or the claims process, just ask us.

As always, all benefits are subject to our confirmation of the purchase of the plan, the written claim documentation we receive, and the plan provisions. You can compare our plans side-by-side when you get a quote to help you decide which one is right for you.

*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.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

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

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

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

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

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

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team
Photo © Thinair28/IStock
  1. World Nomads
  2. Category
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  4. Insurance

Kayaking and Rafting Travel Insurance Coverage

US Residents can protect their trips on the water with travel insurance

    As featured in:

  • As featured in:

At a glance:

  • All World Nomads plans may cover losses from kayaking and whitewater rafting, with some plans that offer higher limits of coverage.
  • Coverage for injuries if you're seriously hurt while kayaking or rafting, plus transportation if you’re hurt on a remote river, and your condition is severe, acute, or life threatening and adequate medical treatment is not available in your immediate area. Additional terms apply. 
  • Reimbursement for canceled tours, delays, or interruptions due to covered events — whether it's a missed whitewater rafting trip or a multi-day kayaking tour.
  • 24/7 Non-Insurance Global Help: Access to emergency assistance anytime, on any river, lake, trail or road.


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.

From kayaking alongside glaciers in Alaska to whitewater rafting down the Balsa River in Costa Rica, there are plenty of ways to have fun on the water with a kayaking or rafting adventure. Our travel protection plans include a range of travel insurance benefits for kayaking and rafting that may help with everything from stolen bags to unexpected medical expenses while traveling.

Why should I consider travel insurance for my kayaking or whitewater rafting trip?

Nobody goes whitewater rafting with the intention of falling out of their raft, but it can happen. Even on a leisurely kayaking trip, the unexpected could happen like a sprained muscle or heat exhaustion that requires medical attention. Travel insurance and non-insurance services designed for kayaking and rafting may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently – whether you're navigating rapids or calm waters.

Travel insurance and non-insurance services for kayaking and rafting: What may be covered?

As paddlers ourselves, we’ve designed our plans that may cover kayaking and rafting while traveling. We also offer coverage for losses related to more than 250 other sports, activities and experiences.

  1. Emergency Medical Expenses
    For broken bones, cuts, and sprains after a kayaking or rafting accident

  2. 24/7 Non-insurance Emergency Assistance
    Available 24/7 to assist in an emergency situation, on or off the river

  3. Baggage & Gear Coverage
    Reimbursement for damaged or stolen paddling gear, or swimsuits packed in lost checked luggage

  4. Trip Delays, Interruptions & Cancellations
    A money-saver if inclement weather throws a wrench into your plans.

Terms, conditions, and limitations apply to all coverage mentioned.

NOMADS TIP: Depending on the plan purchased, consider the optional ‘Cancel for Any Reason’ benefit for added flexibility and protection for shifting plans. Optional benefits come at an additional cost; CFAR not available in NY. 

All plans also include several additional non-insurance services that may support you both before and during your trip. These include delayed or lost baggage tracking and delivery, portable health records, and pre-departure telehealth services that may support you both before and during your trip.

Get a quote  and compare the plans to see which level of coverage is right for you.

What level of travel insurance coverage do I need for my kayaking and rafting trip?

World Nomads offers four plans for US residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even if your main goal is to go kayaking or whitewater rafting, you’ll probably be doing other fun things like snorkeling or swimming. That’s totally fine, because you may be covered for more than 250 other sports, activities and experiences.

  • The Standard and Annual plans include travel insurance coverage for kayaking, sea kayaking, and sea canoeing, as well as whitewater rafting and kayaking. Black water rafting, cave tubing, hydrospeeding, and riverboarding are also covered for grades/classes 1-5. 
  • The Explorer plan covers more activities, including cave diving (to 165 feet/50 meters) and skydiving. It also has higher maximum amounts.
  • The Epic plan covers everything the Explorer plan covers, plus even more activities – including deep water soloing and using a jet pack. It also has the highest limits of coverage. 

Get a travel insurance quote

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

Get a quote
A group of people white water rafting

What may not be covered when kayaking or whitewater rafting?

  • Kayaking or whitewater rafting under the influence of drugs or alcohol
  • Unattended baggage, sporting equipment or personal items
  • Kayaking, rafting, or traveling within 100 miles of your home
  • Any Class 6 kayaking or rafting trips 
  • Rafting or kayaking against medical advice 

Top safety tips we recommend for your kayaking or whitewater rafting trip

  • Research your tour operator: If you’re going on a kayaking or whitewater rafting excursion, research the tour company’s credentials ahead of time. 
  • Know your own limitations: Kayaking and whitewater rafting are physically demanding, so make sure you’re up to it. If you have any concerns, talk to your doctor ahead of time, and make sure you plan a trip within your own skill level. If you decide to go kayaking or rafting after your doctor has told you not to, and then get hurt, you may not covered by your kayaking and rafting travel insurance benefits.
  • Wear a life jacket: Think less about your tan lines, and more about your safety. Accidents can happen at any time, and if you fall out of your kayak or raft, you may not have time to grab that if you unexpectedly go overboard. 
  • Don’t drink and paddle: Alcohol doesn’t mix well with kayaking and whitewater rafting, and being impaired could increase your risk of an accident. If you’re drinking and paddling, you also may not have travel insurance coverage for kayaking or rafting if something does happen. You can toast to a great day on the water after your paddling trip, but not before. 
  • Get a good dry bag to hold a copy of the documents showing your kayaking and whitewater rafting travel insurance coverage: If an accident happens, you’ll want that handy – and dry. Make sure you have the phone number for the 24/7 non-insurance Emergency Assistance Team easily accessible, as well as your plan number. You may want to save that in your phone as well. 

FAQ

Here are our most frequently asked questions about cover for kayaking and rafting. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • Can kayaking be covered under World Nomads Travel Insurance?
    Yes, kayaking may be covered under all four plans offered by World Nomads Travel Insurance. This includes sea kayaking, sea canoeing, and whitewater kayaking, up to grade/class 5. If you want higher maximum amounts of coverage, you’ll want to consider the Explorer or Epic plan.
  • What types of incidents may be covered while kayaking or rafting abroad?
    If your trip is cancelled or interrupted due to an unforeseen, covered event, you may be able to recover your travel expenses (up to the maximum benefit amount), and this may include unused, pre-paid, non-refundable rafting or kayaking tours that you paid for in advance. If you fall out of your kayak or raft, get hurt, and require medical assistance, emergency medical expense coverage may come in handy in the case of an unexpected injury. You may also be covered for unplanned situations such as lost bags.
  • Can I purchase a plan after my trip starts?
    Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan online anytime, from anywhere in the world. World Nomads Travel Insurance for U.S. residents take effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage for a kayaking or whitewater rafting excursion, you’ll need to buy your plan at least the day before you need coverage.
  • Do I get my money back if I cancel a trip?

    Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, kayak rentals, whitewater rafting tours and accommodations if your trip is cancelled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add at an additional expense our optional cancel for any reason coverage when certain World Nomads plans are purchased. 

  • What happens if my bags are delayed?

    When you purchase travel insurance coverage for kayaking or rafting, baggage protection is also included. If your checked-in bags are delayed more than 12 hours on the way to your destination, your plan may reimburse you for essential, reasonable items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes a non-insurance service that can help track down your bag and get it delivered to you.

Need destination inspiration for your next kayaking or rafting trip?

Not sure where your next paddling adventure should take you? Check out some of our favorite places around the world to go kayaking and rafting and get destination-specific travel insurance tips to help you plan with confidence.

Ecuador Discoveries: Kayaking the Amazon

Kayaking in the Shadow of Giants in Southern Greenland

5 of the Best Places to Kayak Around the US

Whitewater Rafting in Nepal: 7 Best Places to Go

Canada Discoveries: Rafting the Exploits River

20250730-4693876. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Work emergency?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Accidentally injured?
  • Suddenly sick?
  • Need a hospital?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

Evacuation and Repatriation
  • Ambulance transfers
  • Medevac flights
  • Medical escort services

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Stolen I.D.s
  • Checked-in sports equipment
  • Damaged luggage

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team
Photo © Vitalalp/IStock
  1. World Nomads
  2. Category
  3. Type
  4. Insurance

Bungee Jumping Travel Insurance Coverage

Learn how US Residents can bungee jump with confidence with travel insurance

    As featured in:

  • As featured in:

At a glance:

  • All World Nomads plans cover losses resulting from bungee jumping trips, with some plans that offer higher limits of coverage.
  • Emergency Medical Coverage may assist with medical costs and transport if you're seriously hurt while bungee jumping.
  • Our travel protection plans include transportation if your condition is severe, acute, or life-threatening and adequate treatment is not available in your immediate area. Additional terms apply.
  • An optional Cancel for Any Reason upgrade is available on some plans (additional cost and state restrictions may apply.)

Maybe you’re taking the leap in New Zealand, the birthplace of commercial bungee jumping, or perhaps you want to be surrounded by the scenery of Costa Rica’s lush foliage when you make your first jump. Either way, it helps to always be prepared for the unexpected. If you’re planning an epic trip that includes bungee jumping, you may want to protect yourself with a travel protection plan that includes a range of travel insurance benefits and non-insurance services for bungee jumping. It may help with everything from stolen gear to unexpected medical expenses.

Why should I consider travel insurance for my bungee jumping trip?

Unexpected issues can mess up even the most carefully planned bungee jumping trips. An unexpected hurricane can put a halt to your jump, but adventure travel insurance and non-insurance services designed for bungee jumping may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently when you’re bungee jumping on a trip.

Travel insurance and non-insurance services for bungee jumping trips: What may be covered?

Bungee jumping can test you both physically and mentally – and as adrenaline-seekers ourselves, that’s part of what we love. Since unexpected situations can happen when bungee jumping though, we’ve designed coverage for losses resulting from bungee jumping while traveling. We also offer coverage for losses related to more than 250+ other sports, activities and experiences.

  1. Emergency Medical Expenses
    For injuries that happen when on your bungee jumping trip

  2. 24/7 Non-insurance Emergency Assistance
    Available 24/7 to assist in an emergency situation

  3. Baggage & Gear Coverage
    Damaged or stolen gear or luggage that is lost

  4. Trip Delays, Interruptions & Cancellations
    A money-saver if inclement weather keeps you from bungee jumping

Get a quote and compare the plans to see which level of coverage is right for you.

Terms, conditions, and limitations apply to all mentioned coverages.

All plans include adventure travel insurance coverage for bungee jumping, as well as several additional non-insurance services that may support you both before and during your trip. These include delayed or lost baggage tracking and delivery, portable health records and pre-departure telehealth services.

What level of travel insurance coverage do I need for my bungee jumping trip?

World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even when your main goal is to go bungee jumping, you may want to do other fun things when traveling too, like rock climbing or zip lining. That’s totally fine, because you may be covered for more than 250+ other sports, activities and experiences when you purchase a travel protection plan that includes extreme sports travel insurance coverage and non-insurance services.

  • Standard Plan – This is the most basic plan, but includes travel insurance coverage for incidents while bungee jumping. It includes up to $125,000 in emergency medical expenses and up to $2,500 for trip cancellation.
  • Explorer Plan – This plan also includes bungee jumping, plus even more activities – including skydiving. It also has higher limits of coverage for most benefits.
  • Epic Plan – This covers everything the Explorer plan covers, plus even more activities – including free soloing and cliff diving. It also has the highest benefit limits of coverage.
  • Annual Plan – If you’re planning multiple trips throughout the year, this plan may be for you. Just buy once and stay protected all year. It includes adventure travel insurance coverage for bungee jumping, as well as all of the other activities covered in the Standard Plan.

NOMADS TIP: For even more trip cancellation flexibility, check out the optional ‘Cancel for Any Reason’ benefit. It can be added to Explorer and Epic plans. Available at an additional cost for U.S. residents, except in New York.

Get a travel insurance quote

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

Get a quote
A man bungee jumping

What may not be covered when on your bungee jumping trip?

If you decide to throw back a couple of drinks to calm your nerves before your big jump – and then get hurt – you may not be covered. Your travel insurance coverage may not cover you if you get hurt when you’re under the influence of drugs or alcohol. Some other things that aren’t covered include:

  • Unattended baggage, gear or personal items
  • Not following ‘Do Not Travel’ warnings issued by the US government prior to departure
  • Participation in activities not listed in our 250+ sports, activities and experiences.
  • Ignoring your doctor if they have advised in writing that you are not medically fit to travel
  • Traveling or bungee jumping within 100 miles of your home

Top safety tips we recommend for your bungee jumping

  • Choose a reputable company. Take a look at their certifications, safety record and reviews.
  • Listen carefully to all instructions provided by your jump master.
  • Don’t try to show off. When you jump, don’t try to do flips or anything else that hasn’t been approved by the staff.
  • Take advantage of the pre-departure medical consultation included in your non-insurance services and see if there are any vaccinations or prescription medications, like altitude sickness pills, recommended for your destination. Depending on the medication, you may need to start it prior to your trip. 
  • Tell your jump master if you have any health concerns. Things like high blood pressure, heart conditions, dizziness, epilepsy, eye injuries, asthma, and neck, back, or spinal problems can make bungee jumping more risky.
  • Don’t drink and jump. Being under the influence of alcohol or drugs increases your chance of being injured.
  • Wear the right clothes. Comfortable clothing is recommended, but don’t wear anything loose.
  • If you have long hair, tie it back to keep it from getting tangled in equipment.
  • Check with the S. Department of State to see if they have issued any travel advisories for your destination.
  • Enroll in the free Smart Traveler Enrollment Program (STEP) to stay updated on emergency situations.
  • Have a copy of your plan documents saved in your phone. Save the phone number for the 24/7 Non-insurance Emergency Assistance team and have that easily accessible as well.

FAQ

Here are our most frequently asked questions about cover for bungee jumping. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • What should I do if I get hurt while bungee jumping?

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

  • Do I get my money back if I cancel a trip?

    Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, tours and accommodations if your trip is cancelled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add additional cancel for any reason coverage when certain World Nomads plans are purchased.

  • What happens if my bags are delayed?
    When you purchase travel insurance for extreme sports trips, baggage coverage is also included. If your checked-in bags are delayed more than 12 consecutive hours on the way to your destination, your plan may reimburse you for reasonable essential items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance service that can help track down your bag and get it delivered to you.

Need destination inspiration for your next bungee jumping trip?

Ready to jump, but not sure where to go? There are plenty of great spots around the world to experience bungee jumping. Check out a couple of our favorite locations and get destination-specific travel insurance tips to help you plan with confidence.

New Zealand: Auckland

Africa: Victoria Falls

China: Macau Tower

20250929-4853600. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Work emergency?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Accidentally injured?
  • Suddenly sick?
  • Need a hospital?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

Evacuation and Repatriation
  • Ambulance transfers
  • Medevac flights
  • Medical escort services

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Stolen I.D.s
  • Checked-in sports equipment
  • Damaged luggage

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team
Photo © VichoT/IStock
  1. World Nomads
  2. Category
  3. Type
  4. Insurance

Travel Insurance Coverage for Mountain Biking Adventures

US Residents can ride prepared wherever the mountain biking trail leads

    As featured in:

  • As featured in:

Article at a glance:

  • Mountain biking travel insurance coverage may help cover emergency medical expenses, trip delays, and stolen or damaged gear while riding trails around the world.
  • Coverage includes off-road mountain biking, BMX, snow biking—plus 250+ other adventure sports.
  • Emergency medical expenses, 24/7 non-insurance emergency assistance, and baggage protection are included in all World Nomads plans.
  • Choose from Standard, Explorer, Epic, or Annual plans to match your biking trip style, budget, and activities.
  • Stay safe with pre-trip health support, proper equipment checks, and licensed guides to help ensure your ride—and your insurance—goes smoothly.

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.

Why should you consider travel insurance coverage for your mountain biking adventure

Mountain biking adventures are thrilling—but they can come with unexpected bumps and twists. That’s why World Nomads includes mountain biking in our list of 250+ covered adventure sports for US residents. If your biking trip leads to an injury or other emergency, our travel insurance coverage for mountain biking may help with medical expenses, evacuations, and trip interruptions. Some plans even let you add optional cancel for any reason coverage. Whether you're biking through the jungle in Costa Rica or exploring remote trails in Asia, the right coverage gives you peace of mind to ride hard, knowing you’re protected if the unexpected happens.

What types of biking adventures can be covered by World Nomads Travel Insurance?

World Nomads offers benefits for losses relating to:

  • On and off-road mountain biking
  • BMX
  • Snow biking (yes, that’s a thing!)
  • Unicycling is also covered!

Mountain biking travel insurance benefits and non-insurance services: What may be covered?

  1. Emergency Medical Expenses
    For broken bones, cuts, and sprains after an epic crash on the trail.

  2. Non-insurance Emergency Assistance
    Available 24/7 to assist in an emergency situation

  3. Baggage & Gear Coverage
    Damaged or stolen biking gear

  4. Trip Cancellation
    A money-saver if inclement weather throws a wrench into your plans

Get a quote and compare the plans to see which level of coverage is right for you.

At World Nomads, we know your mountain biking trip is about more than just the ride down the trail. That’s why our travel insurance and non-insurance services for mountain bikers also cover 250+ other adventure sports and experiences—from alpine hikes and rock climbing to zip-lining and white-water rafting. Whether you’re navigating rugged backcountry or adding extra thrills to your itinerary, we offer four travel insurance plans with different levels of insurance coverage to match your trip style, budget, and appetite for adventure. Be sure to check out our (lengthy!) list of covered activities to pick the plan that fits everything you’re planning to do.

*All coverage is subject to plan terms and conditions. Be sure you read and understand your plan documents. Any questions, just ask!

What level of travel insurance coverage do I need for my mountain bike trip?

  • Standard Plan – Best suited for backpackers, budget travelers and families. Includes up to $125,000 in emergency medical expenses and $2500 for trip cancellation. This is our most basic plan, but it packs a punch.
  • Explorer Plan – For those trips you’ll be talking about for years to come! Covers over 300 activities and offers the optional ‘Cancel for Any Reason’ (CFAR) benefit for ultimate flexibility.
  • Epic Plan – Checking that big trip off your bucket list? We’re talking safaris, cruises, luxury resorts… you name it! This plan offers our highest level of coverage for trips that are truly once in a lifetime.
  • Annual Plan – Weekend warriors, digital nomads, world explorers… this plan is for you. Just buy once and stay protected all year.

You can compare plans and coverage limits when you get a quote. Optional benefits come at an additional cost; CFAR not available in NY.

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

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A woman hiking in front of a snow capped mountain

What may not be covered when mountain biking?

While we can offer coverage for many losses relating to mountain biking, there are some things that may not be covered. These include, but are not limited to:

  • Participating in any activity or sport as a professional athlete.
  • Bicycles and other sporting equipment that are damaged while in use due to wear and tear.
  • Search-and-rescue missions.
  • Unattended baggage, sporting equipment or personal items.
  • Biking while under the influence of alcohol or drugs.

Top safety tips we recommend for your mountain biking adventure

  • Get bike fit: Mountain biking requires a certain amount of strength and stamina, and in some cases, the ability to handle altitude. Be sure you are physically capable of it. Consider using our non-insurance service telehealth partner for pre-trip medical support to get travel medicines, like altitude sickness pills or malaria medication, delivered to your door before you leave on your trip. Make sure your bike is set up correctly before you ride check the saddle, pedals, handlebars, brakes, and tire pressure.
  • Put your safety first: only go riding with professional, qualified, licensed, and reputable operators. If you don't, your coverage may be void. If something doesn't feel right, then don't go.
  • Keep your body loose and springy. Be prepared to stand up on the bike; doing this moves you with the bike and can help you avoid injury and accidents.

FAQ

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

  • What is mountain biking travel insurance coverage, and why do I need it?
    Mountain biking travel insurance coverage helps cover unexpected events like injuries, medical emergencies, trip interruptions, or stolen gear during your biking adventure. Whether you're riding downhill trails or exploring remote backroads, having coverage can give you peace of mind when the unexpected happens.
  • What types of travel protection plans are available for mountain bikers?

    World Nomads offers four plans tailored to your adventure style and budget:

    • Standard Plan – Great for budget-conscious riders.
    • Explorer Plan – Includes more extreme activities with CFAR (Cancel For Any Reason) as an optional addition. Not available to residents of NY and available at an additional cost.
    • Epic Plan – Best for once-in-a-lifetime trips with high maximum amounts.
    • Annual Plan – Ideal for frequent travelers or digital nomads.

Need destination inspiration for your next mountain biking adventure?

Check out our handy guides and insider travel tips on the best places to go mountain biking:

This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

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

We’ve got your back.

Emergency Medical Expenses

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

Take the pain out of medical or dental costs.

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

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

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

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

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

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

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team