Make your horse riding adventure a memorable one for all the right reasons

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Are you hot to trot and mounting a case for an equine-inspired holiday? If it’s the sole reason for your trip or just one of the activities you’re planning on your travels, you may want to consider the things that may go wrong.

What if your horse is skittish and you suffer an injury as a result? What if one of your rides is unexpectedly cancelled without notice and you’re left out of pocket? World Nomads travel insurance may help when the unexpected happens.

Why should I consider travel insurance for horse riding

If horse riding in the Loire Valley in France, riding and camping in Torres del Paine National Park in Chile, or galloping on an Andalucían beach in Spain is on your to-do list, we can offer coverage for many types of social/leisure, and non-competitive horse riding activities you have planned. For those who take it more seriously some of our plans may also offer cover for equestrian, dressage, show jumping, and eventing.

Note: all our plans are different, this means you may require an upgrade for some activities and sports depending on your Country of Residence and the plan you've selected. Conditions and exclusions apply. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip.

Horse riding can be a rewarding and exciting experience. If it’s your first time horse riding, you might want to keep the following handy tips in mind:

  • Have the right gear: wearing a helmet is a MUST no matter how experienced you are.
  • Wear proper clothing: long pants and closed-toed footwear are essential.
  • Proof of purchase: yep, 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 riding instructor (if it’s a group ride) – if they’re not good then reconsider if it’s a smart move to go.
  • Keep an eye on your gear: don’t leave your expensive horse-riding gear or any other baggage unattended – those 'I spaced out” moments might not qualify for coverage.
  • Saddle up properly: make sure you and your children’s saddles are fitted properly. If the saddle is the wrong size, you or your child could be more likely to slip out of it and fall and it could end up being a costly mistake.

Be aware that while World Nomads offer different levels of cover for horse riding, some horse riding activities such as bareback, polo, and rodeo are not covered under any of our policies. Check your policy wording carefully as terms and conditions and special exclusions apply for horse riding activities.

What's covered

Our Standard and Explorer plans may cover you (up to the policy limits) for:

  • Trip cancellation or disruption: you may be able to recover your travel expenses for unexpected and unforeseen events that may force your trip to be cancelled or interrupted. The event must be sudden, unavoidable and outside your control, and it must happen after we have issued your Certificate of Insurance and after you book your trip. Terms, conditions, limitations and exclusions apply.
  • Baggage delays and personal belongings: our policies cover baggage delays that stretch from 12 to more than 24 hours, but you must get a written statement confirming the reason for the delay from the carrier and the anticipated delivery date and time of your baggage.
  • Emergency medical: horse-riding and fresh air can be great for the body and soul but not if it you’re on the wrong end of a feisty hoof and require medical assistance. Emergency medical coverage could come in handy in the case of an accident or injury that results in you going to hospital.
  • Evacuation cover: your horse-riding adventure may be far away from medical facilities. With our cover, you can get transported to the medical facility best for your care, subject to approval from the 24/7 Emergency Assistance Team. If your injuries are worse than first thought you could be repatriated back to your Country of Residence. Benefit limits, terms and conditions and exclusions apply.
  • Natural catastrophe: If you find yourself amid a natural disaster or your destination is affected by extreme weather, we can offer coverage if you can’t use your booked accommodation or need to move to a safer location. If you’re caught up in a natural disaster you must contact our 24/7 Emergency Assistance Team as soon as possible as it may impact what we pay you if you intend to make a claim.

Traveler tip 1: horse riding requires a certain amount of strength, stamina, flexibility, and balance to mount and ride the horse, especially for all-day horse-riding adventures. We do not recommend you ride a horse unless you are physically capable of it.



More than 150 activities, sports, and experiences for you to choose

At World Nomads, we know that adventurous activities go hand-in-hand with traveling abroad. That’s why World Nomads offers cover for 150+ adventure activities, sports and experiences, everything from hot-air ballooning, rafting, hiking, and of course, your preferred experience – horse riding.

To make choosing easier for you we offer two plans – Standard and Explorer – each of which offers different levels of coverage. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific activity plans.

Also, if things go wrong during your horse-riding trip and you intend to make a claim, please be aware that in most cases a claim will require that you prove you acted responsibly, used the recommended safety clothing and equipment, and were guided by a professional, qualified, and licensed guide, instructor, or operator.

If your favorite sport is not on the list get in touch with our Customer Assistance Team and they will let you know if we cover it. Be aware that an upgrade for certain activities and sports may be required.


Traveler tip 2: please be aware that horses are easily spooked, and this is when many injuries occur. Some examples of things that can spook a horse include – sudden or unexpected movements, loud, sudden noises (alarms, whistles, bells, cell phones, screams, etc.), large crowds, other animals (for example, unleashed dogs), wasps and other insects, and camera flashes.



What's not covered

While there are several things we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:

  • If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
  • Any pre-existing medical condition unless otherwise expressly stated in your policy.
  • Participation in a sport or activity not listed as covered in the policy wording or agreed by World Nomads or where you haven’t paid the required additional premium.
  • Expenses you incur after you return to your Country of Residence.
  • Unattended baggage or personal items.
  • Working or participating professionally in any activity or sport.

This is not a full list of what’s covered and what’s not; please check your policy for a full list of terms, conditions, limitations and exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, 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?
  • 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)
*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
Wherever you are, we’re here 24/7 to help you in any emergency.
Aurelie's portrait photo
Aurelie Menard,
Emergency Assistance, World Nomads

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

World Nomads Travel Insurance was reviewed on Trust Pilot on 1st August 2017 and rated 4 stars