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Horseback Riding Travel Insurance Coverage

Travel Insurance for horseback riding trips for US Residents

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At a glance:

  • Equestrian Coverage: All World Nomads plans cover horseback riding, with higher-tier plans for rodeos or high-altitude camping.
  • Emergency Medical: Coverage for injuries and medical transport if you're seriously hurt on or off a horse.
  • Trip Protection: Reimbursement for canceled tours, delays, or interruptions due to covered events.
  • Gear & Baggage Protection: Helps cover lost, stolen, or damaged riding gear and luggage.

Are you ready to saddle up and trot away into your next equine-inspired getaway? If you’ll be horseback riding while traveling, you may want to protect your adventure with World Nomads Travel Insurance. Our travel protection plans include a range of travel insurance benefits that may help with everything from stolen bags to unexpected medical expenses.

Why should I consider travel insurance for my horseback riding trip??

From broken bones to stolen riding boots, unexpected issues can derail even the most carefully planned journey. Travel insurance and non-insurance services designed for equestrians 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 horseback riding at a dude ranch in Montana or riding Andalusian horses on the beach in Spain. 

Horseback riding travel insurance and non-insurance services: What services may be covered?

As equestrians ourselves, we’ve designed our plans to cover horseback riding 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 horseback riding accident

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

  3. Baggage & Gear Coverage
    Damaged or stolen riding gear

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

Terms, conditions, and limitations apply to all mentioned coverages. Get a quote for travel insurance and non-insurance services and compare the plans to see which level of coverage is right for you.

All plans also include several additional non-insurance services that may support you both before and during your trip. These include 24/7 emergency assistance, 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 horseback riding 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 horseback riding on the beach, you’ll probably be doing other fun things like hiking or swimming. That’s totally fine, because you could be covered for more than 250 other sports, activities and experiences.

  • The Standard and Annual plans covers basic equestrian activities such as horseback riding tours and camping with your horse up to 19,685 feet/6,000 meters
  • The Explorer plan covers more activities, including horseback riding in a rodeo. It also has higher limits of coverage and covers camping up to 21,325 feet/6,500 meters
  • The Epic plan covers everything the Explorer plan covers, plus even more activities – including camping up to 26,247 feet/8,000 meters. It also has the highest benefit 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 woman horse back riding

What may not be covered when horseback riding?

  • Horseback riding under the influence of drugs or alcohol
  • Unattended baggage, sporting equipment or personal items
  • Horseback riding or travel within 100 miles of your home
  • Injuries to your horse
  • Riding horses in a competition or for salary/compensation 

Top safety tips we recommend for your horseback riding trip

  • 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.
  • Be prepared: Check the weather, check your equipment, and check the credentials of your riding instructor or tour guide.
  • 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 your saddle is fitted properly. If the saddle is the wrong size, you could be more likely to slip out of it and fall.
  • Know your own physical abilities: Horseback riding requires a certain amount of strength, stamina, flexibility, and balance to mount and ride the horse. Make sure you are physically capable of riding.
  • Don’t startle the horse: Injuries can happen when horses are spooked by things like sudden movements and loud noises.

FAQ

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

  • Can horseback riding be covered under World Nomads Travel Insurance?
    Yes, basic equestrian activities such as horseback riding tours may be covered under all four plans offered by World Nomads Travel Insurance. If you plan to ride a horse in a rodeo though, you’ll need to have either the Explorer or Epic plan. You can also camp with your horse, but depending on the elevation, you may need one of the higher level plans.
  • What kind of horseback riding activities can be covered by World Nomads Travel Insurance?

    Basic equestrian activities such as horseback riding tours may be covered under all four plans offered by World Nomads Travel Insurance. You can also camp with your horse, but depending on the elevation, you may need a higher level plan. The Standard and Annual plans cover camping up to 19,685 feet/6,000 meters, while the Explorer plan covers camping up to 21,325 feet/6,500 meters, and the Epic plan covers camping up to 26,247 feet/8,000 meters. If you plan to ride a horse in a rodeo, you’ll need to have purchased either the Explorer or Epic plan. If you are doing something beyond a basic equestrian activity, we suggest you contact us to find out what may or may not be covered.

  • What should I do if I get hurt while horseback riding?

    If you're hurt while horseback riding, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help cover 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.

  • 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 could be reimbursed for pre-paid, unused, non-refundable expenses like flights, horseback riding tours and accommodations if your trip is cancelled for a covered reason. US residents (except those that live in New York) also have the ability to add, at an additional cost, cancel for any reason coverage when certain World Nomads plans are purchased that could refund a portion of your pre-paid, unused, non-refundable travel expenses. 

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

Need destination inspiration for your next horseback riding trip?

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

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20250716-4665261. 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 Protection

Protect your hard earned vacation from unexpected cancellation.

  • Standard Plan: $2,500
  • Explorer Plan: $10,000
  • Epic Plan: $15,000
  • Annual Plan: $5,000
Trip Protection
  • Work emergency?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Standard Plan: $125,000
  • Explorer Plan: $150,000
  • Epic Plan: $250,000
  • Annual Plan: $100,000
Emergency Medical Insurance
  • Accidentally injured?
  • Suddenly sick?
  • Need a hospital?

We’ve got your back.

Emergency Evacuation

We'll provide assistance to get you to the hospital or home quickly.

  • Standard Plan: $400,000
  • Explorer Plan: $500,000
  • Epic Plan: $700,000
  • Annual Plan: $100,000
Emergency Evacuation
  • Ambulance transfers
  • Medevac flights
  • Medical escort services

Help starts here.

Protect your gear

Covers the loss, theft or damage of your bags, tech and gear.

  • Standard Plan: $1,000
  • Explorer Plan: $2,000
  • Epic Plan: $3,000
  • Annual Plan: $2,000
Protect your gear
  • Stolen I.D.s
  • Checked-in sports equipment
  • Damaged luggage

Help starts here.

The amounts listed represent the maximum benefit amount.

Protect your health

  • 24/7 Emergency Assistance Help Line
  • Emergency Medical & Dental Expenses
  • Emergency Evacuations
  • Bedside Companion Travel
  • Emergency Medications

Protect Your Trip

  • Trip Cancellation
  • Optional Cancel for Any Reason (Explorer or Epic)
  • Trip Delay & Trip Interruption
  • Missed Connection (Explorer or Epic)
  • Rental Car Damage (Explorer, Epic or Annual)

Protect Your Stuff

  • Baggage Delay
  • Passport and Visa Loss
  • Lost or Stolen Bags
  • Personal Tech, Equipment & Gear
  • Baggage Return After Evacuation

Non-Insurance Services

  • Medical & Non-Medical 24/7 Emergency Assistance Line
  • Translators Available
  • Pre-Departure Telehealth Services
  • Portable Health Records
  • Delayed or Lost Baggage Tracking and Delivery
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefits limits may vary depending on the plan chosen. Check the plan documents for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Wherever you are, we’re here 24/7 to help you in any emergency.

Are you in need of emergency assistance right now?

Contact 24/7 Emergency Assistance:
Telephone: +1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada

Contact the team