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Travel Insurance for Live Action Role Playing (LARP)

Learn about the benefits of travel insurance for live action role playing, and why you may want to consider coverage before your next trip.

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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 temporarily enjoy some adventurous fun in 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 to the ground 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? 

Trip and falls are some of the most common injuries that happen while LARPing. When you’re engrossed in the moment as a player or non-player character, 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 could 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.

A group of people live action role playing as vikings
Photo credit: Getty Images/Lorado

Does travel insurance cover other adventure activities I might participate in during my trip?

Are you planning to explore even more sports and adventures during your travels? World Nomads offers adventure travel insurance that covers more than 200 activities for US residents, and you can also have coverage for activities like backpacking, karate, and paint balling. When you get a quote, you can compare our Standard and Explorer travel insurance plans to see what each covers. The Explorer plan has higher limits and sub-limits of coverage, and also includes more activities such as cliff jumping, hang gliding, and spelunking.

Check out both options though, because only you can decide the best travel insurance for your needs. If you aren’t sure if something is covered, contact our customer service team and they can help explain what each policy includes. 

What else 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 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 cover may help reimburse the cost to replace it if it’s lost by a common carrier. If your baggage is delayed for more than 12 hours on your way to your destination, you may also be reimbursed for things like toiletries and a change of clothes until you are reunited with your bag. Check the policy wording for per-day and maximum benefit limits.  
  • Trip Interruption and Cancellation 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. 
  • Evacuation: If you get injured while LARPing in a place where there aren't nearby medical facilities, the World Nomads 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
  • Pre-existing medical conditions 
  • Participation in other activities not listed as covered in your policy
  • Domestic travel within 100 miles of your home
A group of people live action roleplaying as vikings
Photo credit: Getty Images/SrdjanPav

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 of the rules. 
  • Listen to the game master and marshal. 
  • Don’t drink and LARP.
  • Wear a helmet.
  • Perform a weapons check.
  • Get rest the day before. 
  • Take breaks when you need to. 

This is not a full list of what is and isn’t covered, so please check your policy for a full list of terms, conditions, limitations and exclusions that may apply to your 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. If you have any questions about what is and is not covered, please reach out – we’re happy to help.

True Claims Stories

  • Never travel without insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
    U.S. resident in Spain
  • I recently had a serious injury traveling on my own & the team was amazing. Being confused with a brain injury they took care of everything. Claiming was no problem, they were on the phone constantly to see if all was OK. I can't recommend them enough. Absolutely fantastic & l will always travel with World Nomads Insurance. Thanks guys for getting me home safely.
    Australian in Thailand
  • I was bitten by a monkey at the Batu Caves in Kuala Lumpur. I went to a nearby clinic and they gave me a rabies shot, antibiotics to take for 4 days, pain medicine, and anti-inflammatory medicine.
    Canadian in Malaysia

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.

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Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $10,000
  • Standard Plan: $2,500
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Been made redundant?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Explorer Plan: $100,000
  • Standard Plan: $100,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation

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

  • Explorer Plan: $500,000
  • Standard Plan: $300,000
Emergency Evacuation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

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

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Luggage lost?
  • Airline lost your gear?
  • Tech trashed?

Help starts here.

  • Emergency Accident & Sickness Medical Expense
  • Repatriation of Remains
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage & Personal Effects
  • Baggage Delay (outward journey only)
  • Rental Car Damage – where permissible
  • Accidental Death & Dismemberment
  • Generali Global Assistance 24-Hour Assistance Services
  • Generali Global Assistance Non-Medical Emergency Transportation Services
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefit 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 Generali Global Assistance:
Telephone: +1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada

Contact the team