Horseback Riding Travel Insurance Plans
Travel insurance to protect a Canadian’s horseback riding trip
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At a glance
- World Nomads plans may provide cover for your horseback riding trips, with the ability to pay an extra premium and be covered for things like dressage, show jumping, and eventing.
- Emergency medical & evacuation coverage is included for injuries and medical transport if you’re seriously hurt on or off a horse.
- Reimbursement for cancelled tours, delays, or interruptions due to covered events.
- Access to 24/7 emergency assistance.
Horseback riding is deeply rooted in Canadian outdoor culture, supported by a large equine community and a thriving trail‑riding scene from coast to coast. With hundreds of thousands of riders and horses across the country, Canadians embrace everything from relaxed backcountry rides to competitive equestrian sport—and many take that passion with them when they travel abroad. If you’re ready to saddle up for your next equine‑inspired getaway, World Nomads Travel Insurance can help protect your adventure, with travel insurance benefits that may assist 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 designed for equestrians may help you bounce back quickly with support for medical emergencies, trip delays, and trip disruptions. World Nomads offers four plans. Since you can choose a travel insurance plan that best meets your needs, it’s a smart 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: What may be covered?
As equestrians ourselves, we’ve designed our plans to cover horseback riding while travelling.
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Emergency Medical Expenses
For broken bones, cuts, and spains after a horseback riding accident -
24/7 Emergency Assistance
Available 24/7 to assist in an emergency situation, on or off a horse -
Baggage & Gear Coverage
Damaged or stolen riding gear -
Trip Delays, Interruptions & Cancellations
Travel protection for your pre-paid nonrefundable trip costs and unexpected expenses.
Get a quote and compare the plans to see which level of coverage is right for you.
Choosing the Right Horseback Riding Travel Insurance Plan
World Nomads offers four plans for Canadian residents – the Standard, Explorer, Epic and Annual Multi-Trip – each with different levels of coverage.
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
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Best suited for budget travellers. Includes up to $1,500,000 CAD in emergency medical expenses and up to $2,500 for trip cancellation and trip interruption. This is our most basic plan, but it packs a punch. Get a quote |
Provides increased benefit limits, such as trip cancellation and trip interruption coverage for up to $10,000. You can also choose to purchase additional ‘cancel for any reason coverage’ with this plan Get a quote |
For those trips you’ll be talking about for years to come! Horseback riding trips can get pricey, and this plan offers the most coverage to protect it. This plan includes higher maximum benefits limits compared to our Standard and Explorer plans as well as higher benefit limits for travel inconveniences and security evacuations compared to the Explorer plan. Get a quote |
If you have multiple trips planned throughout the year – including just to different provinces – you may want to consider this plan. World Nomads Annual Multi-Trip Plan provides travel insurance coverage for an unlimited number of trips of 14 days or less, within a 365-day period. Get a quote |
When you purchase your policy, you’ll need to list horseback riding, and all of the other activities that you plan to participate in while on your trip. There are over 250 other sports, activities and experiences that could be covered. 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. Costs may vary depending on the activities you plan to do on your horse.
- Level 1 activity: Leisure/social/non-competitive horseback riding.
- Level 3 activities: Bareback, equestrian, dressage, show jumping, and eventing.
If you are planning to participate in an activity that isn’t listed in our policy wording, you will need to contact us to determine if you will be covered.
We cover 250 activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 travelling within your home province
- Injuries to your horse
- Riding horses in a rodeo, competition, or for salary/compensation
- Playing polo on horseback
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 operator.
- 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 horse riding. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Is horseback riding covered under World Nomads Travel Insurance?
Yes, basic horseback riding tours are covered can be covered under all four plans offered by World Nomads Travel Insurance, but make sure you list this as an activity you’ll be participating in when you purchase your policy. Leisure, social, non-competitive horseback riding is considered a Level 1 activity and is automatically covered, but you’ll still need to list this as an activity when you purchase your policy. However, you will need to pay an additional premium to be covered for any Level 2 activities and Level 3 activities such as equestrian, dressage, show jumping, eventing or bareback riding. If you are doing something beyond a basic equestrian activity, we suggest you contact us to find out what is covered.
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What types of incidents are covered while horseback riding abroad?
If your trip is delayed or interrupted due to an unforeseen event, you may be able to recover your nonrefundable, unused, prepaid travel expenses (up to the policy limits), and this could include unused, pre-paid, non-refundable horseback riding tours that you paid for in advance. If you fall off of your horse or you’re at the wrong end of a feisty hoof and you require emergency medical assistance, emergency medical coverage could come in handy in the case of an unexpected injury. You could also be covered for unplanned situations such as lost bags or Canadian government advisories advising travellers not to travel to a destination on your itinerary.
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Can I get coverage after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan online anytime, from almost anywhere in the world. If you buy a plan after departing from your home province, you won’t be covered for any loss or expense related to any injury or sickness that occurs in the 48-hour period after your departure date. Your departure date will be 12.01am local time on the date that you are originally scheduled to start your trip as shown on your policy certificate.
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What kind of horseback riding activities are covered by World Nomads Travel Insurance?
Basic horseback riding tours are covered under all four plans offered by World Nomads Travel Insurance but make sure you list this as an activity you’ll be participating in when you purchase your policy. Leisure, social and non-competitive horseback riding is considered a Level 1 activity and is automatically covered, but you’ll still need to be listed when you purchase your policy. However, you will need to pay an additional premium to be covered for Level 2 activities and Level 3 activities, such as bareback, equestrian, dressage, show jumping, and eventing. If you are doing something beyond a basic equestrian activity, we suggest you contact us to find out what is covered.
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What should I do if I get hurt while horseback riding?
You can contact the 24/7 Emergency Assistance team and they can help direct you to nearby medical facilities. They can also translate for you if you’re travelling outside Canada and your medical team doesn’t speak English. Make sure you keep all documentation including doctor reports, invoices, etc. You’ll need those things if you plan to make a claim.
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Does World Nomads Travel Insurance cover other activities during my trip?
Yes, you could be covered for more than 250 other sports, activities and experiences. Things like hiking, biking, rock climbing, and camping could all be covered. When you purchase your policy, you’ll need to list all of the other activities that you plan to participate in while on your trip. 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’re participating in an activity and not sure if it’s covered, you can contact us and ask.
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Do I get my money back if I cancel a trip?
Trip cancellation coverage is offered with all four 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. If you want ultimate flexibility to simply change your mind about your trip, you may be able to get optional ‘cancel for any reason’ coverage as well.
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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 the cost of (up to the policy limits) essential items like toiletries and a change of clothes until you and your bag are reunited.
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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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This article is for general informational purposes only. It is not intended to provide medical, legal, insurance, or travel advice and provides only a general summary of certain features that may be available under applicable travel insurance policies. Coverage is subject to the specific terms, conditions, limitations, exclusions, and pre-existing condition provisions of the applicable insurance policy. In the event of any inconsistency between this article and the wording of any insurance policy, the policy wording shall govern and take precedence. It is important that you read and understand your policy before travelling. If you have questions about your coverage or are unsure how your policy applies to your circumstances, please contact us for clarification.Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Protect your hard earned vacation from unexpected cancellation.
- Explorer Plan: $5,000
- Standard Plan: $2,500
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Insurance
Take the pain out of medical or dental costs.
- Explorer Plan: $10 million
- Standard Plan: $5 million
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Evacuation & Repatriation
We’ll get you to hospital or home quickly.
- Explorer Plan: $500,000
- Standard Plan: $500,000
Emergency Evacuation & Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Covers the theft, damage or delay of your bags, tech and sports gear.
- Explorer Plan: $3,000
- Standard Plan: $1,000
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Medical Expenses
- Emergency Dental for Injury or Sickness
- Bedside Companion Travel and Subsistence
- Emergency Professional Services
- Emergency Evacuation and Repatriation
- Return of Travel Companion/Dependent Children
- Return to Your Trip Destination
- Return of Remains
- Travel Accident
- Flight Accident
- Trip Cancellation
- Trip Interruption
- Trip Delay
- Baggage and Personal Effects Theft or Damage
- Baggage and Sporting Equipment Delay
- Travel Documents Theft or Damage
- Sporting Equipment Theft or Loss by a Common Carrier
- Covered Adventure Sports listed in Policy
Assistance Services Included
- LiveTravelTM Emergency Assistance
- Worldwide Travel Assistance
- Adventure Travel Hotline
- 24/7 Security
- Travel Medical Assistance
- Bag Trak
Before your trip, check the latest government advice for any travel alerts for your destination.