Travel insurance designed for adventures while traveling.
As featured in:
When planning an overseas holiday, it’s not always easy to decide on the types of activities you’re going to do. This is why we’ve designed our travel insurance plans to offer cover for more than 150 adventure sports and activities from hiking, zip lining, dog sledding, scuba diving, snow skiing, white water rafting and more.
Your coverage will vary according to whether you choose a Standard or an Explorer plan, so its important to take the time to understand what activities you are likely to do, and the difference between our plans.
The following is a small sample of what World Nomads plans offer (up to the benefit limits):
Emergency medical and evacuation coverage: if at any time during your trip, you or any of your travelling companions becomes sick or injured, then you’ll need to contact our 24/7 Emergency Assistance team right away. They can help to locate the nearest hospital or medical centre and will facilitate your repatriation back to New Zealand if your treating doctor believes this to be medically necessary.
Trip cancellation coverage: if you or anyone in your party gets sick or injured and you need to cancel your holiday plans, we may cover the non-refundable travel expenses. Please note, travellers must have already been issued with a Certificate of Insurance from World Nomads to have cancellation coverage available to them.
Coverage for extended stays: if you’re having an awesome time on your trip and choose to delay your return home to New Zealand, then you may be eligible to extend your travel insurance policy. You must not have had any change to your health, submitted a claim or intend to and are 69 years old or younger at the time to be eligible to extend. This must be done prior to 11:59pm on the return date that is listed on your policy. The policy may be extended for a total of 12 months from the start date that is indicated on your Certificate of Insurance.
Coverage for baggage and personal belongings: if your baggage or personal items are lost, damaged or stolen, then you’ll need to submit receipts, along with police reports or statements from your carrier (if the belongings were lost in transit).
The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Policy Document.
Kiwis are well known around the world for their love of the outdoors, sports and trying new experiences. During your holiday, you may wish to try activities and sports that aren’t commonly done back home in New Zealand.
Before purchasing your travel insurance policy, check your Policy Document to make sure that all the sports and activities that you intend to do are covered. World Nomads provides travel insurance for over 150 activities, sports and experiences. While this list might seem immense, it doesn’t cover everything. That’s why you should never take for granted that your preferred activities will be covered.
The following are only some of the many sports and activities covered under our policies:
An upgrade for certain sports may be required and terms and conditions apply for each sport. Check your policy for details or contact us if you have questions.
When hunting around for a travel insurance policy, you might be tempted to take the most cost-effective cover without reading through the Policy Document first. There are different policies to cover different types of holidays, and although reading this document can be a tedious task, it’s best to familiarise yourself with all the benefits, policy limits and exclusions before you purchase your cover.
World Nomads offer two travel insurance plans, the Standard Plan and the Explorer Plan. Both plans may offer protection for many of the same types of risks and can cover the costs associated with hospitalisation, repatriation, replacing lost baggage, as well as other unplanned for expenses.
However, the Explorer Plan offers a wider level of cover, with a greater range of benefits, and higher policy limits. For instance, you might wish to include cover for hiking or diving on your trip. Therefore, when choosing between the two plans, you would need to know the exact altitudes of your hiking trips and the depths of your planned dives.
As with many of the other activities that we cover, there are different levels of cover for hiking. For example, thinking rips to an altitude of 2,000 metres is classed as Level 1. Hikes to an altitude of 6,000 metres are listed as Level 3. While there is no cover under our policies for hiking expeditions that exceed an altitude of 6,000 metres.
Before choosing the right type of cover for your holiday, you need to research the details of any activities, sports, and tours you will be participating in, to make sure you make you have an adequate level of cover.
When deciding which policy is best suited to your adventures you might want to consider:
Note: It’s important you choose your policy carefully as you can’t upgrade from a Standard Plan to an Explorer Plan mid-trip.
Here are just a few examples of what is not covered under our plans. Please refer to your policy for the complete list.
Here are some general tips for New Zealand travellers to keep in mind.
Be careful with valuables - wallets poking out of back pockets or unzipped handbags displaying the contents inside are irresistible attractions for pickpockets and muggers. Keep all valuable items safely concealed on your body, or securely locked away in your hotel room when you don’t require them.
Listen to local news updates - during your stay in any country, make sure you pay attention to local news broadcasts, including weather updates. If a violent storm is expected to blast the region in the coming days, then it’s probably wise to postpone any outdoor activities or adventures you had planned until a later date.
Only work with qualified and licensed instructors - if you are planning to participate in any activities that require an instructor, then you should investigate whether that instructor has received the right training. They must be qualified and licenced to lead hiking, diving, abseiling, or other types of tours and be registered with the governing association for their recreational activity.
There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Of course, always read the full terms, conditions limitations and exclusions in the plan you choose so there’ll be no surprises if you need to use it. If you are unsure of your level of travel cover, please contact us for help.
The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form, and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.
World Nomads covers more than 150 activities and sports, and if it’s not on the list you can contact us and we’ll let you know if we’ll cover it.
You can read more about coverage for some specific activities, or select your Country Of Residence and click here to see the activities covered by the plans available to you.
We offer cover for:
Itching to travel again?
Explore the world with our plans that provide cover for some Coronavirus-related (including COVID-19-related) events, including emergency overseas medical, evacuation, cancellation cover and more. Find out what cover applies to your Country of Residence, and the key benefit limits depending on which plan you purchase. Happy and safe travels!
If a qualified medical practitioner diagnoses you with Coronavirus while you’re travelling, we may offer emergency medical benefits to help you get back on your feet.
Standard plan:
$5,000,000 Single
$10,000,000 Couple/Duo/Family
Explorer plan:
Unlimited
If you become seriously sick or injured during your trip (and it's not considered an 'existing medical condition' as defined in the Policy Document) we may be able to help with cover for medical transport to the nearest or most appropriate medical facility, or back home to recover.
Standard plan:
$500,000 Single
$1,000,000 Couple/Duo/Family
Explorer plan:
Unlimited
If the worst happens and you die from Coronavirus while overseas, we offer benefits to help your family with the costs of a funeral overseas, or if available, bringing you back to your home country.
Standard plan:
$25,000 Single
$50,000 Couple/Duo/Family
Explorer plan:
$25,000 Single
$50,000 Couple/Duo/Family
Had to cancel your trip because you, a travel companion, or your close relative back home have been diagnosed with Coronavirus? Our cover may help with your cancellation costs.
Standard plan:
Not available
Explorer plan:
$2,500*
Can’t stay at your pre-booked accommodation because it’s closed for cleaning due to a confirmed case of Coronavirus at the accommodation? We may be able to help with reasonable additional travel and accommodation nearby.
Unable to board your plane, train, or other scheduled transport because you’re suspected of having Coronavirus? We offer cover for your unexpected additional accommodation, meals and transport costs as needed.
Standard plan:
Not available
Explorer plan:
$2,500*
You or your travel companion quarantining due to your or their diagnosis of, (or confirmed close contact with a case of) Coronavirus? We may be able to help with cover for your reasonable additional travel, meals, and accommodation, including in-room entertainment.
Standard plan:
Not available
Explorer plan:
$2,500*
Are you or a member of your travelling party an essential healthcare worker? If you or they are permanently employed as a healthcare or residential care worker or a law enforcement officer, and your or their pre-arranged leave is cancelled because of Coronavirus, then our cover can help.
Standard plan:
Not available
Explorer plan:
$2,500*
Diagnosed with Coronavirus while travelling and unable to take care of your dependent children and/or pets? Our travel insurance policies may help with cover for reasonable additional childcare and pet care costs (Pet care services covered include kennel and cattery boarding fees or pet sitting services, in your Country of Residence.)
Standard plan:
Not available
Explorer plan:
$2,500*
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
Protect your trip from unexpected cancellation.
We’ve got your back.
Take the pain out of medical costs.
We’ve got your back.
We'll get you to hospital in a flash
Help starts here.
Cover your stolen or damaged gear and tech.
Help starts here.
If you need medical assistance or emergency medical evacuation our team is 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?
From New Zealand & Overseas:
+61 2 8263 0470 or
+61 2 8292 1470
(reverse charges via an operator from anywhere in the world)
Within Australia (Free call): 1800 611 210
Here are our most frequently asked questions about adventure activities and sports. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
Before your trip, check the latest government advice for any travel alerts for your destination.