Annual Multi-Trip Travel Insurance
Your passport to year-round adventures
What is Annual Multi-Trip Travel Insurance?
Say goodbye to the hassle of buying insurance for every trip. Designed for frequent travellers, our World Nomads Annual Multi-Trip travel insurance covers multiple trips over a 12-month period.
Why choose Annual Multi-Trip Travel Insurance?
Cost-effective convenience? Check! Unlimited trips within 12 months? Check! Flexibility for solo, partners & families? Check! Our Annual Multi-Trip insurance has benefits to suit a range of needs.
How Does It Work?
With our Annual Multi-Trip policy, multiple journeys throughout the 12-month period are covered. Whether it's a quick city break or a month-long adventure, enjoy peace of mind knowing you're protected. Plus, the more you travel, the more you can save!
A true claim story
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?
- Immediate 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
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Injured abroad?
- Need a hospital urgently?
- Medical evacuation home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
We cover more than 150 activities you love + more
Here are several activities under each category that World Nomads love to do:
Not all activities, sports, and experiences are automatically covered. You may have to upgrade the sorting level to receive the cover you require for the activities you plan to do, by paying an additional premium. Please read your policy wording carefully before you buy.
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
Snow
- Ice Skating
- Skiing
- Snowboarding
- Tobogganing
Water
- Canoeing
- Kayaking
- Paddle Boarding
- Sailing
- Scuba Diving (up to 30 meters)
- Snorkelling
- Surfing
- Tubing
- Windsurfing
Air
- Aerial Safari
- Bungee Jumping
- Hot Air Ballooning
- Passenger in a commercial aircraft
- Skydiving / Parachuting (tandem jumps only)
- Zip Line
Land
- Bushwalking
- Camel Riding
- Camping
- Caving
- Hiking
- Orienteering
- Motorbiking
- Mountain Biking
- Trekking
Sports
- Baseball
- Basketball
- Cricket
- Go Karting
- Golf
- Hockey
- Tennis / Pickleball
- Frisbee / Ultimate frisbee
- Volleyball
Experiences
- Childcare work
- General farm work
- Hospitality
- Restaurant
- Teaching
- Fruit Picking
- Admin work
- Office work
- WWOOFing
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 teamFrequently asked questions
-
Can my kids travel on my Annual Multi-Trip travel insurance policy?
Absolutely! And the best part? When you purchase a World Nomads Annual Multi-Trip travel insurance policy, any of your children aged under 18 that are named on the policy will be covered at no extra cost. And what’s more, your kids are also covered even if they go on holiday with another adult – a friend or relative for example. Please note exclusions will apply for pre-existing medical conditions.
-
Can I cancel my Annual Multi-Trip travel insurance?
Of course. World Nomads customers have up to 21 calendar days from when we issue your Certificate of Insurance and policy wording to cancel your Annual Multi-Trip travel insurance policy. This is referred to as your cooling-off period. If you do choose to cancel your policy within the cooling-off period, we will refund your premium, provided that:
- you haven’t travelled under your policy; and
- you are not making a claim; and
- you are not exercising any other right under the policy.
-
Is AMT cheaper than a single-trip policy?
An Annual Multi-Trip policy is not cheaper than a Single-Trip policy as a single item purchase. However, it can be far more cost-effective if you plan on taking two or more trips in a year. You’re free to roam without having to purchase an individual policy every time the wanderlust takes hold with Annual Multi-Trip. Just remember to purchase a policy that will cover you for the areas you intend to travel to.
-
Does AMT cover domestic travel?
Our Annual Multi-Trip policy offers cover if your country of residence is Ireland for both international and domestic travel.
-
Will my Annual Multi-Trip policy renew annually?
World Nomads Annual Multi-Trip policies are not currently set-up to auto-renew. We will contact you four weeks in advance of your policy ending to let you know that it is set to expire and give you ample time to purchase your next policy, to avoid any unintended break in your period of cover. Upon your policy’s expiration you will no longer be covered.
-
Is there a limit on the number of trips I can take with AMT?
There is no limit on the number of trips you can take each year with our Annual Multi-Trip policy. Just be sure you have selected an appropriate policy that will offer cover for the regions you intend to travel to.
-
Is there a limit on the duration of each trip with AMT?
While there is no limit on the number of trips you can take each year with an Annual Multi-Trip travel insurance policy, there is a cap on the total number of days you can be away throughout the year. Trips are limited to 31 days under our Standard plan and 45 days under our Explorer plan. If your planned trip is longer than an Annual Multi-Trip permits you might want to consider taking out a single trip policy instead.
Annual Multi-Trip Travel Insurance
Your passport to year-round adventures
What is Annual Multi-Trip Travel Insurance?
Say goodbye to the hassle of buying insurance for every trip. Designed for frequent travellers, our World Nomads Annual Multi-Trip travel insurance covers multiple trips over a 12-month period.
Why choose Annual Multi-Trip Travel Insurance?
Cost-effective convenience? Check! Unlimited trips within 12 months? Check! Flexibility for solo, partners & families? Check! Our Annual Multi-Trip insurance has benefits to suit a range of needs.
How Does It Work?
With our Annual Multi-Trip policy, multiple journeys throughout the 12-month period are covered. Whether it's a quick city break or a month-long adventure, enjoy peace of mind knowing you're protected. Plus, the more you travel, the more you can save!
A true claim story
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?
- Called to jury duty?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Injured abroad?
- Need a hospital urgently?
- You or a family member die?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech Trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
We cover 150 + Adventure Activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 teamFrequently asked questions
-
Can my kids travel on my Annual Multi-Trip travel insurance policy?
Absolutely! And the best part? When you purchase a World Nomads Annual Multi-Trip travel insurance policy, any of your children aged under 18 that are named on the policy will be covered at no extra cost. And what’s more, your kids are also covered even if they go on holiday with another adult – a friend or relative for example. Please note exclusions will apply for pre-existing medical conditions.
-
Can I cancel my Annual Multi-Trip travel insurance?
Of course. World Nomads customers have up to 21 calendar days from when we issue your Certificate of Insurance and policy wording to cancel your Annual Multi-Trip travel insurance policy. This is referred to as your cooling-off period. If you do choose to cancel your policy within the cooling-off period, we will refund your premium, provided that:
- you haven’t travelled under your policy; and
- you are not making a claim; and
- you are not exercising any other right under the policy.
-
Is AMT cheaper than a single-trip policy?
An Annual Multi-Trip policy is not cheaper than a Single-Trip policy as a single item purchase. However, it can be far more cost-effective if you plan on taking two or more trips in a year. You’re free to roam without having to purchase an individual policy every time the wanderlust takes hold with Annual Multi-Trip. Just remember to purchase a policy that will cover you for the areas you intend to travel to.
-
Does AMT cover domestic travel?
Our Annual Multi-Trip policy offers cover if your country of residence is the United Kingdom for both international and domestic travel.
-
Will my Annual Multi-Trip policy renew annually?
World Nomads Annual Multi-Trip policies are not currently set-up to auto-renew. We will contact you four weeks in advance of your policy ending to let you know that it is set to expire and give you ample time to purchase your next policy, to avoid any unintended break in your period of cover. Upon your policy’s expiration you will no longer be covered.
-
Is there a limit on the number of trips I can take with AMT?
There is no limit on the number of trips you can take each year with our Annual Multi-Trip policy. Just be sure you have selected an appropriate policy that will offer cover for the regions you intend to travel to.
-
Is there a limit on the duration of each trip with AMT?
While there is no limit on the number of trips you can take each year with an Annual Multi-Trip travel insurance policy, there is a cap on the total number of days you can be away throughout the year. Trips are limited to 31 days under our Standard plan and 45 days under our Explorer plan. If your planned trip is longer than an Annual Multi-Trip permits you might want to consider taking out a single trip policy instead.
Travel Insurance for Cycling
Protect yourself on two wheels with bundled travel insurance for cycling trips.
- 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.
Traveling through a city or region on two wheels can be an eye-opening experience. You see far more than you would in a car. Cycling has other great benefits too – it gets you in shape, it’s environmentally friendly, and you get to make as many stops as you like. Now with e-biking, cycling has opened up for travelers of all abilities.
But with all the positives of cycling, there’s the chance that you could suffer an accident and end up with a sprained ankle, a broken arm, or even worse, end up in the hospital. That’s why it pays to consider travel insurance*.
What’s covered with travel insurance for cycling?
Are you hoping to enjoy solo time with some independent touring on your bike? Or are you wanting to make new friends and join an organized cycling tour? Either way, travel insurance could help with several aspects of your trip. For US residents, World Nomads may offer coverage for:
- Baggage Protection: All plans 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 (this includes bicycles that have been checked in as luggage). If someone swipes your backpack out from under you once you arrive, you could get reimbursed for its current value (which factors in depreciation) or the cost of a replacement, up to a per item and total maximum limit. (Please note we do not offer coverage for your bicycle, unless it is checked in with a common carrier).
- Emergency Medical Coverage: Cycling through the Alps and taking in the fresh air can be great for the body and mind, but not if it ends up in a bad injury. Emergency medical expense coverage may help reimburse you for things like an ambulance transfer, medication, or a hospital stay. If you get hurt, your health insurance may not always cover you when you are traveling to destinations outside of your network or plan.
- Evacuation: Your cycling route may be far away from medical facilities. If you take the road less traveled and get hurt, the 24/7 Emergency Assistance Team may help get you transported to a place that offers the level of care you need.
- Trip Cancellation Insurance: If something unexpected happens like an illness or injury, or you’re delayed or interrupted due to adverse weather conditions, you may be able to recover your unused, prepaid, non-refundable travel expenses through our trip cancellation, trip interruption and trip delay benefits.
Does travel insurance cover other adventure activities I might participate in during my trip?
Cycling may be the main reason for your trip but think about all of the other fun things that you might be doing as well. Are you planning to take part in even more sports and adventures during your travels?
World Nomads offers adventure travel insurance that covers more than 250 activities for US residents, including mountain biking, deep sea fishing and pickleball.
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 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.
Terms, conditions, limits, and exclusions apply. Read the insurance plan documents carefully to choose the right plan for your cycling trip. If you have any questions, just ask us.
What's not covered with travel insurance?
Travel insurance can assist with a lot, but there are some things it doesn’t cover.
- Bicycles or e-bikes (unless they are considered checked luggage by a common carrier).
- 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.
- Cycling at a professional level or taking part in a competition.
- Injuries that happen if you are cycling under the influence of alcohol or drugs.
- Cycling within 100 miles of your home.
Tips for preparing for your cycling trip
As cyclists ourselves, we have learned that it helps to be prepared. Before you hit the road with your bike, helmet and gear, check out a few of our personal tips for having the best cycling trip ever.
- Check you have all your paperwork. Make sure you have all your appropriate documents before you leave. This can include things like proof of any required vaccinations, visitor permits if you plan to visit any national parks, and special tourist visas for the countries you’ll be visiting.
- Be responsible when choosing a cycling destination or activity. Does the cycling tour suit your experience level? Are there any travel or weather alerts for your destination?
- Wear a helmet and visible clothing. This should be a no-brainer, but it’s still worth mentioning because in many countries around the world, the locals don’t wear helmets when cycling. Another no-brainer is if you’re planning to ride at night, you should use lights and wear high visibility clothing to make sure other riders and vehicles see you.
- Make sure your bike is set up correctly before you ride. Check the saddle, pedals, handlebars and tire pressure before you set forth on your journey.
- Save your receipts. Hopefully you will have a perfect trip and won’t need to make a claim. But if you do have a mishap, make sure to save all supporting documentation such as receipts of your purchases.
- Get bike fit: Be sure you are physically capable of the cycling routes you are planning. Have you got a ‘fit for travel’ thumbs up from your doctor to take on the mountains and specific altitudes? Consider using our non-insurance service partner Runway Health for pre-trip medical support to get travel medicines, like altitude sickness pills, delivered to your door before you leave on your trip.
True Claims Stories
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance 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?
- Been made redundant?
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
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
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)
Travel Insurance for Cycling and E-Biking
Take life by the handlebars and check out World Nomads travel insurance plans when cycling on your next adventure.
- As featured in:
As featured in:
For lovers of cycling, travelling through a city or a whole region on two wheels can be an eye-opening experience. It can help you get in shape, it’s environmentally friendly, and you get to make as many pit stops to rest and explore as you want. E-biking has added an extra level of awesomeness to the cycling scene, opening it up to travellers of all abilities.
But with all the positives of cycling, there’s also the chance that you could suffer an accident and end up with a sprained ankle, a broken arm, or even worse, end up in the hospital due to a major accident. That’s why you should consider travel insurance if you need to cover your tracks.
Travel insurance for cycling and e-biking
If you are not using your bike as your main mode of transportation during your trip but are just riding for pleasure as you take in the beauty of new surroundings, World Nomads travel insurance plans could cover you for cycling up to 6,000 meters in elevation.
Are you hoping to enjoy some “me time” and do some independent touring on your bike? Or are you wanting to make new friends and join an organized cycling tour? World Nomads travel insurance could cover either situation.
There are two different levels of cycling coverage for Canadian residents – cycling up to 3,000 meters in elevation and cycling up to 6,000 meters in elevation.
- Cycling up to 3,000 meters in elevation is considered a Level 1 activity.
- Cycling up to 6,000 meters in elevation is considered a Level 3 activity.
Depending on what new heights you’ll be reaching during your trip, you may need to pay an additional premium when you purchase your policy. Level 1 activities are automatically covered, but you will still need to list this when you purchase your policy. If you are participating in level 2 and 3 activities, you will need to pay an extra premium. Put some thought into what you plan to do or may decide to do on your trip so that you can pick the best travel insurance for your needs.
Does travel insurance cover other adventure activities I might participate in during my trip?
Will your travels include even more sports and adventures? World Nomads covers more than 250 activities for Canadian residents and has two different plans – Standard and Explorer. The Explorer plan has higher benefit limits and/or sub-limits than the Standard. When you get a quote, you can compare the coverage of both plans side by side.
You’ll need to list all of the activities that you plan to participate in while on your trip at the time that you purchase your policy. Cycling may be the main reason for your trip but think about all the other fun things that you might be doing so that you are covered for all your adventures.
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 will need to contact us to make sure you’re covered.
What is covered with travel insurance?
For Canadian residents, World Nomads may offer coverage for:
- Baggage and Gear: If you checked your bike in with a common carrier, and it is delayed by more than 12 hours on the way to your destination, you may be eligible for reimbursement of a rental bike to continue your journey. If your bike is permanently lost or damaged by the airline or ground carrier, baggage and gear coverage could help you get reimbursement to replace it. Review your policy to get information on maximum limits and depreciation.
- Emergency Medical Coverage: Cycling through the Alps and taking in the fresh air can be great for the body and the mind, but not if it ends up in a bad injury. Emergency medical coverage could help reimburse you for expenses like an ambulance transfer, medication, or a hospital stay. 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.
- Evacuation: Your cycling route may be far away from medical facilities. If you take the road less travelled and get hurt, our 24/7 Emergency Assistance Team could help get you transported to a place that offers the level of care you need.
- Trip Cancellation and Interruption 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.
What's not covered with travel insurance?
Travel insurance can assist with a lot, but there are some things it doesn’t cover. Cycling on Yungas Road in Bolivia is one of those things. It has earned the title of “Death Road” for a reason, so we don’t advise you to take on that adventure, and we won’t offer coverage if you do. Some other things that are not covered include:
- Cycling over 6,000 meters in elevation
- Bicycles or e-bikes damaged while in use
- Any pre-existing medical condition(s) as explained in the policy wording
- Cycling at a professional level
- Injuries that happen if you are cycling under the influence of alcohol or drugs
- Participation in other activities not listed as covered in your policy
- Cycling within your home province
Tips for preparing for your cycling trip
As cyclists ourselves, we have learned that it helps to be prepared. Before you hit the road with your bike, helmet and gear, check out a few of our tips for having the best cycling trip ever.
- Check you have all your paperwork. Make sure you have all of your appropriate documents before you leave for your trip. This can include things like proof of any required vaccinations, visitor permits if you plan to visit any national parks, and special tourist visas for the countries you’ll be visiting.
- Be responsible when choosing a cycling destination or activity. Does the cycling tour suit your experience level? Are there any travel or weather alerts for your destination? Have you got a ‘fit for travel’ thumbs-up from your doctor to take on the mountains and specific altitudes?
- Wear a helmet and visible clothing. This should be a no-brainer, but it’s still worth mentioning because in many countries around the world, the locals don’t wear helmets when cycling. Another no-brainer is if you’re planning to ride at night, you should wear high visibility clothing to make sure other riders and vehicles see you.
- Make sure your bike is set up correctly before you ride. Check the saddle, pedals, handlebars and tire pressure before you set forth on your journey.
- Save your receipts. Hopefully you will have a perfect trip and won’t need to make a claim. But if you do have a mishap, make sure to save all supporting documentation such as receipts of your purchases.
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.
True Claims Stories
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance 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?
- Been made redundant?
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
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
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)
Travel Insurance for Rock Climbing
Stay protected on your rock climbing trips with World Nomads.
- 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.
Thrills, adventure and awesome natural landscapes... rock climbing delivers on all three. With so many top rock-climbing destinations globally such as the Dolomites in Italy, Kalymnos in Greece, and Yosemite National Park here in the US, adrenaline junkies don’t have to look far.
Rock climbing can also test your physical and mental abilities. Whether you’re a beginner or an experienced climber, you may want to consider travel insurance* for all your adventure activities. It may get you the help you need if you’re injured or if severe weather derails your trip.
What type of rock climbing is covered?
World Nomads offers four plans – Standard, Explorer, Epic and Annual – each with different levels of coverage. We cover several rock climbing activities... everything from an indoor rock-climbing day at your resort to a week away climbing the infamous rocks of Portugal.
- Rock climbing and bouldering up to 3,000 meters (9,842 feet) is covered by all plans
- Rock climbing, bouldering and soloing, including sport climbing, traditional climbing and via ferrata up to 6,500 meters (21,325 feet) is covered under our Explorer & Epic Plan.
- Rock climbing, bouldering and soloing up to 8,000 metres (26,247 feet) is covered under our Epic Plan.
- Deep water soloing is covered under our Epic Plan.
- Scrambling up to 8,000 meters (26,247 feet) is covered under our Epic Plan.
When you get a quote, you can compare our plans and choose the one that best meets your specific rock climbing plans. If you aren’t sure if something is covered, contact our customer service team and they can help explain what each plan includes.
What does travel insurance for rock climbing cover?
Travel insurance is designed to cover losses arising from sudden, unexpected, and unforeseeable circumstances. For US residents, World Nomads may offer coverage for:
- Baggage and Gear: If the airline loses or delays the bag holding your gear, our non-insurance service Blue Ribbon Bags will track and expedite its return. Simply report your lost airline bags and Blue Ribbon Bags will take it from there. If your baggage or personal items can’t be located, or they’ve been damaged or stolen, our gear coverage may help with reimbursement of the cost to repair or replace damaged, lost or stolen items. You’ll need to submit receipts, along with police reports or an incident report from your carrier (if your belongings were lost in transit).
- Emergency Medical Expenses: Rock climbing and fresh air can be great for the body and soul but not if it ends up in a bad fall. Emergency medical expense coverage may help if you need urgent medical treatment for an injury.
- Emergency Evacuation: Your next rock-climbing adventure may be far away from medical facilities. With medical evacuation coverage, the 24/7 Emergency Assistance Team may help you get transported to a place that offers the level of care you need. If your injuries are worse than first thought and local facilities aren’t adequate, you could be repatriated back home. In a life-threatening emergency, call the local authorities first to receive immediate assistance, then contact the Emergency Assistance Team as soon as you are able.
- Trip Cancellation or Interruption: Sometimes unexpected things happen – like a sick or injured traveling companion that puts a stop to your rock-climbing adventure. If you need to cancel or interrupt your trip, you may be able to recover your unused, prepaid, non-refundable travel expenses.
What's not covered?
Travel insurance does not cover:
- Participation in a professional rock climbing event.
- Damage that happens to your climbing gear while you are using it.
- Going against local authority warnings by entering closed or restricted areas.
- Not following your doctor’s instructions or what the 24/7 Emergency Assistance Team advises you to do.
- Mountain guiding.
- Rock climbing higher than the altitude listed in your plan.
- If travelling domestically, rock climbing within 100 miles of your home.
- 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.
Key travel insurance tips for your rock-climbing trip
- Got your paperwork? You’ll need the right visas and permits wherever you go to climb – insurance doesn’t cover you for not doing your paperwork.
- Know where to go… and where not to. Check to make sure you are allowed to camp, climb, or simply be wherever that ‘hot’ climbing spot is.
- Proof of purchase. Any claim you make will need supporting documentation such as receipts of your purchases.
- It pays to be prepared. Check the weather, check your equipment, and check the credentials of your climbing instructor (if it’s a group climb) – if any seem unreliable, then reconsider if it’s a smart move to go.
- Don’t get in over your head. Be responsible when choosing a rock-climbing destination or activity. Does it suit your experience level? Are you using an accredited tour operator?
- Keep an eye on your gear. Don’t leave your expensive rock-climbing gear or any other baggage unattended – unattended baggage does not qualify for coverage.
- Be responsible. Choose a tour operator that promotes responsible tourism, works as part of the local community, and actively helps to conserve the environment.
- Get climbing fit. Ensure you are physically capable of the climbing routes you plan. Consider using our non-insurance service partner Runway Health for pre-trip medical support to get travel medicines, like altitude sickness pills, delivered to your door before you leave on your trip.
*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.
True Claims Stories
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?
- Been made redundant?
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
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance for Canada
In this northern star, don’t forget these travel insurance tips for your next adventure
- As featured in:
As featured in:
The vast landscapes and vibrant cities of Canada have a lot to offer travelers from solo adventurers to families. From the breathtaking Rockies to cosmopolitan hubs like Toronto and Vancouver, Canada offers something for everyone. Embrace outdoor activities in Alberta, multicultural cuisine in Quebec, and a welcoming atmosphere that promises unforgettable memories.
Wherever your visit to the land of the maple leaf takes you, our policies offer benefits for:
- Overseas medical emergencies
- Medical evacuation and repatriation
- Coronavirus
- Cancellation
- Delayed Baggage
- Adventures, sports, and activities
And if you’ve already left on your trip, don’t worry – with World Nomads you can buy travel insurance while on the road.
Choosing the right policy for you
We offer two travel insurance plans – Standard and Explorer – each of which offers different levels of coverage and benefits. It is up to you to choose what plan has the right level of coverage to meet your travel needs on your Canadian adventure.
Cover for medical emergencies
Whether you’re planning on hiking in Banff National Park or seeing the Northern Lights in the Yukon, there’s so much to see and do in Canada that the last thing you want is to get sick or injured and worry about how you’re going to pay medical bills. Our overseas medical insurance offers cover for emergency medical treatment if you need:
- Hospitalization
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Prescribed medicines
- Ambulances
- Medical evacuation, even from remote areas
- Emergency dental treatment
- Extra expenses to get you home, if medically necessary
Travel tip 1: know your own medical history and needs. For example, if you have existing medical condition(s) that may invalidate your cover. In some cases, you may need to have a doctor sign off that you’re fit to travel. If you’re not sure whether you’re covered, contact us.
24/7 emergency assistance
The Emergency Assistance team is available 24/7 and can help you in a medical emergency. The EA team can also arrange medical transport, set up direct payments to medical facilities, and give support to you and your family.
Coverage for Coronavirus
Both our Standard and Explorer policies offer cover for emergency medical assistance if you get sick with Covid-19 whilst traveling around Canada.
Our Explorer plan also offers cover for some Coronavirus related events such as cancellation, trip interruption expenses, and some quarantine costs, as well as additional benefits for healthcare workers, residential care workers, and law enforcement officers who have their pre-arranged leave canceled by their employer due to Coronavirus.
Check out our What’s Covered for Coronavirus article, and contact us if you have any questions.
Get a quote 24/7
With World Nomads, you can get an instant quote anytime, anywhere, before you leave home or while you’re on the road.
Trip cancellation
If your travel plans change unexpectedly and some or all of your trip is canceled, our policies offer coverage (up to benefit limits) for some non-refundable, pre-paid transport and accommodation expenses.
All of our policies can offer coverage for you if you can’t travel because:
- A doctor certifies that you’re medically unfit to travel,
- You, your traveling companion, or a close relative is hospitalized or dies
- Your transport is canceled or delayed because of severe weather, natural disaster, hijacking, or strike.
Delayed baggage
What do you do if you’re arrived in Vancouver, but your bags haven’t? If your luggage is delayed for more than 12 hours, our policies cover essential purchases so you can rest easy while you wait for your bags to turn up.
Our policies also offer coverage if your bags and personal effects are lost, damaged, or stolen.
Travel tip 2: make copies of your essential travel documents and carry essentials such as toiletries, medications, and irreplaceable items in your carry-on luggage.
Cover for adventure activities and sports
If you’re into the outdoors, Canada is the place to go! Our travel insurance policies offer cover for more than 150 activities, sports, and experiences from skiing in Whistler, to hiking in Jasper National Park, or mountain biking in Montreal. We can also cover some water-based activities, including kayaking and white-water rafting.
Keep in mind that some of these activities may require you to use specific safety gear or to be accompanied by a licensed guide, and other terms and conditions may apply. Be sure to read the exclusions section of your policy closely because some activities such as Mountaineering and professional sports are not covered.
If you’re not sure if something you’re planning on doing while on holiday is covered, please contact us before you organize your policy.
Travel tip 3: Canada experiences diverse climates. Pack layers, waterproof gear, and check weather forecasts before heading out for your adventures.
Want travel inspo for your Canadian adventures?
Check out our handy guides to get better acquainted with the ‘Great White North’:
- Your free insider’s guide to Canada
- Canadian Summer or Snow? A guide to choosing when to go
- Finding the Northern Lights in Yellowknife, Canada
- The best 8 places to see wildlife in Canada
This is only a summary of coverage and does not include the full terms, conditions, limitations, and exclusions of the policy. You should read your Policy Document 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.
The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance for Canada
In this northern star, don’t forget these travel insurance tips for your next adventure
- As featured in:
As featured in:
The vast landscapes and vibrant cities of Canada have a lot to offer travellers from solo adventurers to families. From the breathtaking Rockies, to cosmopolitan hubs like Toronto and Vancouver, Canada offers something for everyone. Embrace outdoor activities in Alberta, multicultural cuisine in Quebec, and a welcoming atmosphere that promises unforgettable memories.
Wherever your visit to the land of the maple leaf takes you, our policies offer benefits (up to the policy limits) for:
- Overseas medical emergencies
- Medical evacuation and repatriation
- Coronavirus
- Cancellation
- Delayed Baggage
- Adventures, sports, and activities
And if you’ve already left on your trip, don’t worry – with World Nomads you can buy travel insurance while on the road.
Choosing the right policy for you
We offer two travel insurance plans – Standard and Explorer – each of which offers different levels of coverage and benefits. It is up to you to choose what plan has the right level of coverage to meet your travel needs on your Canadian adventure.
Cover for medical emergencies
Whether you’re planning on hiking in Banff National Park, or seeing the Northern Lights in the Yukon, there’s so much to see and do in Canada that the last thing you want is to get sick or injured and worry about how you’re going to pay medical bills. Our overseas medical insurance offers cover for emergency medical treatment if you need:
- Hospitalisation
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Prescribed medicines
- Ambulances
- Medical evacuation, even from remote areas
- Emergency dental treatment
- Extra expenses to get you home, if medically necessary
Travel tip: know your own medical history and needs. For example, if you have an existing medical condition(s), that may invalidate your cover. In some cases, you may need to have a doctor sign off that you’re fit to travel. If you’re not sure whether you’re covered, contact us.
24/7 emergency assistance
The Emergency Assistance team are available 24/7 and can help you if you are having a medical emergency. They can also help arrange medical transport, set up direct payments to medical facilities and give support to you and your family.
Coverage for Coronavirus
Both our Standard and Explorer policies offer cover for emergency medical assistance if you get sick with Covid-19 whilst travelling around Canada.
Our Explorer plan also offers cover for some Coronavirus related events such as cancellation, trip interruption expenses and some quarantine costs, as well as additional benefits for healthcare workers, residential care workers and law enforcement officers who have their pre-arranged leave cancelled by their employer due to Coronavirus.
Check out our What’s Covered for Coronavirus article, and contact us if you have any questions.
Get a quote 24/7
With World Nomads you can get an instant quote anytime, anywhere, before you leave home or while you’re on the road.
Trip cancellation
If your travel plans change unexpectedly and some or all of your trip is cancelled, our policies offer coverage (up to benefit limits) for some non-refundable, pre-paid transport and accommodation expenses.
All of our policies can offer coverage for you if you can’t travel because:
- A doctor certifies that you’re medically unfit to travel,
- You, your travelling companion, or a close relative is hospitalised or dies
- Your transport is cancelled or delayed because of severe weather, natural disaster, hijacking, or strike.
Delayed baggage
What do you do if you’ve arrived in Vancouver, but your bags haven’t? If your luggage is delayed for more than 12 hours, our policies offer cover for essential purchases so you can rest easy while you wait for your bags to turn up.
Our policies also offer coverage if your bags and personal effects are lost, damaged or stolen.
Travel tip: make copies of your essential travel documents and carry essentials such as toiletries, medications, and irreplaceable items in your carry-on luggage.
Cover for adventure activities and sports
If you’re into the outdoors, Canada is the place to go! Our travel insurance policies offer cover for more than 150 activities, sports and experiences from skiing in Whistler, to hiking in Jasper National Park, or mountain biking in Montreal. We can also cover some water-based activities, including kayaking and white-water rafting.
Keep in mind that some of these activities may require you to use specific safety gear or to be accompanied by a licensed guide, and other terms and conditions may apply. Be sure to read the exclusions section of your policy closely because some activities such as Mountaineering and professional sports are not covered.
If you’re not sure if something you’re planning on doing while on holiday is covered, please contact us before you organise your policy.
Travel tip 2: Canada experiences diverse climates. Pack layers, waterproof gear, and check weather forecasts before heading out for your adventures.
Want travel inspo for your Canadian adventures?
Check out our handy guides to get better acquainted with the ‘Great White North’:
- Your free insider’s guide to Canada
- Canadian Summer or Snow? A guide to choosing when to go
- Finding the Northern Lights in Yellowknife, Canada
- The best 8 places to see wildlife in Canada
Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the PDS for the full details on what’s not covered as well as the terms, conditions, limitation, and exclusions. If you are unsure of anything, please contact us for help.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamWhat to do if you can’t travel because someone at home is sick or injured
- As featured in:
As featured in:
If a family member or close relative at home suddenly falls ill, it’s understandable you may not want to continue your travel plans.
Whether you’ve booked but not left yet or are halfway through your trip and need to fly home, here’s what to do when you have no option but to cancel your trip to be by the side of someone you care about.
- Rearrange or Cancel Your Bookings
- Get It in Writing
- Keep Your Itineraries and Receipts
- What If Someone Gets COVID-19 and I Can’t Travel?
- Need to Know More?
1. Rearrange or Cancel Your Bookings
As soon as you know a close relative is ill and you are unable to travel or have no choice but to curtail your trip after you’ve left, you must try to rearrange any pre-booked or pre-paid accommodation, transport, or tours, or if necessary, cancel them.
2. Get It in Writing
The best way to support your claim is to provide satisfactory written evidence.
Written evidence needs to come from an independent third party and confirm all relevant information, such as the circumstances relating to cancellation, costs incurred, and that pre-paid expenses were non-refundable.
Required Documents Include:
- Doctor’s report, written medical diagnosis, or medical certificate from the treating doctor confirming it is medically necessary to cancel or curtail or interrupt your trip.
- Relevant medical records or reports, including information about pre-existing medical conditions.
- A report from all relevant travel suppliers or carriers confirming the details around the cancellation, including compensation or offers made to you.
- Any other relevant documentation related to what happened.
3. Keep Your Itineraries and Receipts
Be sure to keep all relevant itineraries, receipts, and booking and cancellation confirmations from your tour provider/s and carriers.
If you make a claim you must be able to show that the event was unforeseen, unexpected, and occurred after you booked or paid for your travel arrangements and purchased your travel insurance policy.
This is where keeping your itineraries and receipts comes in handy — and can help keep your claim hassle-free. They’ll be able to confirm your intended destinations, dates of purchase, booking and cancellation costs, etc.
4. What If Someone Gets COVID-19 and I Can’t Travel?
If a close relative in your Country of Residence is sick with, and hospitalized due to, COVID-19 and you have to cancel your trip, we may be able to help.
We offer Standard and Explorer Plans, each with different levels of cover. If you’ve purchased an Explorer plan we may be able to help with the costs of pre-paid travel arrangements if you have to return home to your Country of Residence if a close relative is hospitalized with COVID-19.
Like other illnesses, for a valid claim you must be able to provide satisfactory written evidence of diagnosis.
To find out what cover applies to you, read our What’s Covered for Coronavirus, which has all of the details, including benefit limits, conditions and exclusions.
It’s important to note coverage depends on your Country of Residence and varies between plans.
5. Need to Know More?
If you’re still unsure what to do if you need to cancel your trip because someone at home is sick, we’re here to help answer your questions. Check out our Help Centre that has FAQs on diverse topics that will answer any of your questions. If you are still unsure you can get in touch and we’ll help you work through things.
And in case of an emergency, our experienced Emergency Assistance Team is available to help you navigate any medical issue 24 hours a day, 7 days a week.
How Do I Make A Claim on My Travel Insurance?
Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states, or provinces. Please carefully read your Policy Wording for a full description of coverage.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamWhat to do if you have to cancel your trip due to illness or injury
- As featured in:
As featured in:
Illness and injury are never fun, especially when they interfere with your travel plans.
If you have no option but to cancel your trip because you’ve fallen ill or become injured in some way, we’re here to help. Because the only thing worse than missing out on your trip is footing the bill when the unforeseen happens.
- Contact us as soon as possible
- Rearrange or cancel your bookings straight away
- Provide all written documents
- Don’t forget your receipts
- Am I covered if I cancel my trip due to COVID-19?
- Need to know more?
Here’s what to do in the event you need to cancel:
1. Contact us as soon as possible
If you’ve had an accident, you must notify our 24/7 Emergency Assistance Team as soon as reasonably possible so that we can confirm your cover and manage any potential claim for you.
You can contact our 24/7 Emergency Assistance Team on +353 21 237 8009 or +353 21 237 8003.
The team is available 24 hours a day, 7 days a week, 365 days a year and can offer the following assistance:
- Arranging medical transport.
- Setting up direct payments to medical facilities.
- Giving support to you and your family.
2. Rearrange or cancel your bookings straight away
As soon as you know you’re unable to travel you must try to rearrange, or if necessary, cancel your bookings as soon as possible. This means contacting any tour operator or carrier where you’ve pre-booked travel arrangements, such as accommodation, transport, or tour providers.
3. Provide all written documents
Written documents are the best way to support your claim. They need to come from an independent third party and provide evidence pertaining to the illness or injury that is preventing you from traveling or continuing your travels, and any relevant confirmation relating to cancellations made with your travel providers, such as the costs incurred, whether the pre-paid expenses were deemed non-refundable, or if refundable, what refunds were provided.
Required documents include:
- Doctor’s report, written medical diagnosis, or medical certificate from the treating doctor confirming it is medically necessary to cancel, curtail or interrupt your trip.
- Relevant medical records or reports regarding your illness or injury, including information about pre-existing medical conditions.
- Ambulance report if one was required.
- Police report if they were involved.
- Hospital admission report if the person was admitted to the hospital.
- A report from all relevant travel supplier or carrier confirming the details around the cancellation, including refund or offers made to you.
- Any other relevant documentation related to what happened.
4. Don’t forget your receipts
If you need to cancel your travel plans due to illness or injury, you’ll need to provide relevant receipts, itineraries, and bookings and cancellation information (including any refunds received).
Your receipts are pertinent to your claim, and they can help keep things hassle-free so you can focus on getting better.
5. Am I covered if I cancel my trip due to COVID-19?
If you or a member of your traveling party are diagnosed with coronavirus and you have no option but to cancel your trip, or if your travel plans are impacted after being diagnosed with coronavirus during your trip, we may be able to help.
We offer Standard and Explorer Plans, each with different levels of cover. It’s important to note that cover is only available for Coronavirus travel costs if you’ve purchased an Explorer Plan. And we don’t provide cover for any expenses you incur after you return home to your Country of Residence.
Like other illnesses, for a valid claim you must be able to provide satisfactory written evidence of diagnosis as well as all the other details outlined above.
To find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, conditions, and exclusions.
6. Need to know more?
If you’re still unsure what to do if you need to cancel your trip because you or someone in your travel party is ill or injured, we’re here to help answer your questions. Check out our Help Centre that has FAQs on diverse topics that will answer any of your questions. If you are still unsure you can get in touch and we’ll help you navigate the process.
And in case of a medical emergency, our experienced Emergency Assistance Team is available to help 24 hours a day 7 days week.
What does my travel insurance cover?
Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states, or provinces. Please carefully read your Policy Wording for a full description of coverage.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for Live Action Role Playing (LARP)
Learn how travel insurance can protect you during LARP events.
- 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.
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.
True Claims Stories
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?
- Been made redundant?
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
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the team