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Travel Insurance when horse riding

Make your horse riding adventure a memorable one for all the right reasons

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Ready to rein in some adventure? Whether you're planning to trot through the rolling vineyards of France or gallop along the sunlit shores of Spain, World Nomads has your back. Our travel insurance caters to UK globetrotters eager to immerse themselves in leisurely rides.

Why should I consider travel insurance for horse riding?

Dreaming of galloping across the sandy beaches of Portugal or exploring the rugged trails of South America on horseback? Remember, while horse riding can put the epic into your travel experience, it also brings risks—risks that our travel insurance is designed to address.

From unexpected falls to equipment loss, we’re here to ensure your ride remains memorable for the right reasons. World Nomads provides tailored coverage for leisurely horse-riding activities.

Note:  Before you saddle up, review our plans to select the right coverage level for your itinerary and ensure your chosen activities are included. Stay protected and focused on the joy of riding, not the potential pitfalls.

Horse riding can be a rewarding and exciting experience. If it’s your first time horse riding, you might want to keep the following handy tips in mind:

  • Have the right gear: Before saddling up, thoroughly inspect your horse-riding gear. Ensure your helmet fits snugly and your footwear is appropriate for riding to avoid any mishaps.
  • It pays to be prepared: check the weather, check your equipment, and check the credentials of your riding instructor (if it’s a group ride) – if they’re not good then reconsider if it’s a smart move to go.
  • 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.
  • Proof of purchase: any claim you make will need supporting documentation such as receipts of your purchases.
  • Saddle up properly: make sure you and your children’s saddles are fitted properly. If the saddle is the wrong size, you or your child could be more likely to slip out of it and fall and it could end up being a costly mistake.
  • Ask for the right horse: If it’s your first time, ask for a horse that matches your skill level—typically a calm, experienced horse.

Check your policy wording carefully as terms and conditions and special exclusions may apply for horse riding activities.

What's covered

At World Nomads, we've got two travel insurance plans to suit your style. Go for the Standard Plan for the essentials, or level up with the Explorer Plan if you’re after broader coverage and higher limits.

  • Trip cancellation or disruption: Things happen – and sometimes out best laid plans mice (and men) go awry. The Explorer Plan covers cancellations up to £5,000, while the Standard Plan covers up to £3,000. These figures also apply if you are forced to cut your trip short. Please note events must be unexpected and unforeseen.
  • Baggage delays and personal belongings: if you arrive at your destination but your baggage doesn’t, our policies cover baggage delays that of 24 hours or more.
  • Emergency medical: horse-riding and fresh air can be great for the body and soul, but not if it you’re on the wrong end of a feisty hoof and require medical assistance. Emergency medical coverage could come in handy in the case of an accident or injury that results in you going to hospital.
  • Evacuation cover: your horse-riding adventure may be far away from medical facilities. With our cover, you can get transported to the medical facility best for your care, subject to approval from us. If your injuries are worse than first thought, you could be repatriated back to the UK if it's medically necessary.
  • Natural catastrophe: If you find yourself amid a natural disaster or your destination is affected by extreme weather, we can offer coverage if you can’t use your booked accommodation or need to move to a safer location.

Keep in mind that benefit limits, terms and conditions, and exclusions apply, so be sure to read your policy wording carefully. If you have any questions about your cover, contact us.

Traveller tip: always carry water, especially on longer rides. Staying hydrated is crucial to maintain your concentration and overall health during the journey.

Coverage for more than 150+ activities, sports, and experiences

At World Nomads, we know that adventurous activities go hand-in-hand with travelling abroad. That’s why World Nomads offers cover for 150+ adventure activities, sports, and experiences, everything from hot-air ballooning, rafting, hiking, and of course – horse riding.

We offer two plans – Standard and Explorer – each of which offers different levels of coverage. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific activity plans.

If your favourite sport is not on the list get in touch with our Customer Assistance Team and they will let you know if we cover it. Be aware that an upgrade for certain activities and sports may be required.

Traveller tip: if things go wrong during your horse-riding trip and you intend to make a claim, please be aware that, in most cases, a claim will require that you prove you acted responsibly, used the recommended safety clothing and equipment, and were guided by a professional, qualified, and licensed guide, instructor, or operator.

What's not covered

While there are several things, we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:

  • If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
  • Pre-existing medical conditions.
  • Participation in a sport or activity not listed as covered in the policy wording or agreed by World Nomads or where you haven’t paid the required additional premium.
  • Expenses you incur after you return to the United Kingdom.
  • Losses arising from unattended baggage or personal items.

This is not a full list of what’s covered and what’s not; please check your policy for a full list of terms, conditions, limitations, and exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip from unexpected cancellation.

  • Explorer Plan: £5,000
  • Standard Plan: £3,000
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Been made redundant?

We’ve got your back.

Emergency Abroad Medical Expenses

Take the pain out of medical costs while traveling abroad.

  • Explorer Plan: £10 million
  • Standard Plan: £5 million
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

Expenses included in Emergency Medical limits.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Cover your lost, stolen or damaged gear and tech.

  • Explorer Plan: £3,000
  • Standard Plan: £1,500
Protect your gear
  • Luggage lost?
  • Airline lost your gear?
  • Tech trashed?

Help starts here.

  • Emergency Medical Expenses
  • Baggage & Personal Belongings
  • Cancellation
  • Trip Curtailment
  • Personal Accident
  • Loss of Passport or travel documents
  • Personal Liability
  • Legal Expenses (Personal Liability)
This is a general summary for United Kingdom residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.
Pre-existing medical conditions

You are not eligible to buy a policy if you travel against medical advice, travel with the intention of receiving medical treatment, or have a terminal illness. World Nomads policies cannot cover claims due to Pre-Existing Medical Conditions (PEMC), regardless of whether the condition is serious or not. You can still purchase a World Nomads policy, but the PEMC exclusion cannot be removed, and you will be responsible for any related costs.

For information on travel insurance providers that offer cover on PEMC, visit Money Helper or call 0800 138 7777.

24/7 Emergency Medical Assistance

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.

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

Are you in need of Emergency Medical Assistance right now?

For policies purchased on or after 27 June 2024
+44 (0) 144 444 2021 (Call via an operator reverse charges. Not toll free.)

For policies purchased before 27 June 2024:
Phone: +44 (0) 203 093 1750 (Call via an operator reverse charges. Not toll free.)

Contact the team

FAQ

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

  • What should I do if I injure myself horse riding?
    If you get injured while horse riding, immediately call our 24/7 Emergency Medical Assistance Team for help. Make sure you were using all the recommended safety equipment and following safety guidelines, as this will be important for any potential claims.