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Travel insurance for kayaking

Everything you need to know about travel insurance for kayaking and rafting

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Travel Insurance for kayaking and rafting

Exotic sunsets, the water lapping at your bow; experiences on the water are often the most unforgettable part of any holiday. From paddling with the family on Lake Superior, to sea kayaking the turquoise waters around Indonesia’s Raja Ampat archipelago, get your next holiday flowing on a kayaking or rafting adventure.

Rafting and kayaking: What's covered

When you get a travel insurance quote for your kayaking or rafting trip, you need to specify the adventure activity in your policy. When you 'choose your options' and select your kayaking/rafting activity according to the following activity category:

  • Kayaking: (inland/coastal waters within 3 nautical miles, grades 1-5)
  • Sea Kayaking: (Beyond 3 nautical miles)
  • Sea Kayaking: (inland/coastal waters within 3 nautical miles, grades 1-5)
  • White Water Kayaking (inland/coastal waters within 2 nautical miles, grades 1-5)

Travel insurance and International River Grading System

Several activity options above mention international river grades which can be described as:

International River Grading

  • Class 1: Easy
  • Class 2: Novice
  • Class 3: Intermediate
  • Class 4: Advanced
  • Class 5: Expert
  • Class 6: Extreme and Exploratory Rapids
    (We can't insure you for this level of kayaking or rafting, but we'd love to hear your story!)

Traveler’s Tip: before you launch, remember to check the International River Grading of the river you’re on so you won’t invalidate your cover. The scale is used for various water sports and activities, such as black and white water rafting, river boarding, white-water canoeing, stand up paddle surfing, and whitewater kayaking. Read more about the International River Grading System from California White Water Rafting.

With regards to river/rafting insurance, you will note that an additional specified item is required if you are venturing more than 3 nautical miles from your kayaking/rafting point of departure, i.e. your travel insurance policy will require an additional premium.

So remember if you are kayaking/rafting more than 3 nautical miles and you haven't specified this on your World Nomads policy - you are not covered!

Rafting and kayaking: What’s not covered

World Nomads won't insure you for kayaking/rafting down rivers of a Class 6 variety: 'Extreme and Exploratory rapids'. Sorry, we'd love to, hell, we'd love to film you and publish it on our site, but sadly, we can't insure you.

See the list of International River Grades above.

Kayaking and rafting: travelling smarter and safer

We love to find ways to help you enjoy your travels: from travelling smarter to travel safety and we endeavor to source the most up to date information about travel destinations. If you are going Kayaking or Rafting in another country, check out our Travel Safety content or you can read more about kayaking destinations.

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
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.