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Travel insurance for kayaking and rafting

Everything you need to know about travel insurance for kayaking and rafting.

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Going kayaking or rafting on your vacation?

Exotic sunsets, the water lapping at your bow, hurtling down river rapids; experiences on the water are often the most unforgettable part of any holiday. From paddling with the family on Lake Superior, to sea kayaking the turquoise waters around Indonesia’s Raja Ampat archipelago, get your next holiday flowing on a kayaking or rafting adventure.

What kayaking and rafting do we cover?

When you get a travel insurance quote for your kayaking or rafting trip, you need to double-check the Adventure Sports & Activities list. The following categories have coverage under our plans:

  • Kayaking
  • Sea kayaking
  • Sea canoeing
  • White water rafting and kayaking
  • Black water rafting (grades 1-5)
  • Cave Tubing (grades 1-5)
  • Hydrospeeding (grades 1-5)
  • Riverboarding (grades 1-5)
  • Snow Rafting

What do those River Grades mean? 

Several activity options above mention International River Grades which can be described as: 

  • Class 1: Easy
  • Class 2: Novice
  • Class 3: Intermediate
  • Class 4: Advanced
  • Class 5: Expert
  • Class 6: Extreme and Exploratory Rapids

We offer coverage for river grades (also known as classes) from Class 1 to Class 5. We do not offer coverage for Class 6 rapids.

When you are about to head down the river or rapids, always be aware of the rating. Read more about the International River Grading System from the American Whitewater association. 

Choosing the right policy for you

We offer two plans – Standard and Explorer – each 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. In addition to kayaking and rafting, we over coverage for more than 200 adventure activities for our U.S. nomads.

If you’re not sure whether your kayaking or rafting adventure is covered, please contact us.

What is covered by World Nomads Travel Insurance?

Our policies may cover you on your kayaking and rafting adventures (up to the policy limits) for:

  • Emergency medical: Emergency medical coverage could come in handy if you suffer an accident or injury that results in you going to the hospital.
  • Evacuation coverage: your water adventure may be far away from medical facilities. If your condition warrants it, you may be transported to an appropriate medical facility. And if your injuries are worse than first thought, you could be repatriated back home, subject to approval from our 24/7 Emergency Assistance Team.
  • Trip cancellation or interruption: if your trip is cancelled or interrupted due to an unforeseen event like an illness or injury, you may be able to recover your nonrefundable, prepaid travel expenses.
  • Natural catastrophe: If you find yourself amid a natural disaster that renders your destination accommodation uninhabitable, you may have coverage for trip cancellation. Just note you’ll need to have purchased your World Nomads policy before the storm is named or the disaster happens.
  • And more! Check out what else is covered on our policies.

Rafting and kayaking: what’s not covered

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

  • Any Class 6 kayaking or rafting trips – sorry, but that’s a no-go for us.
  • If you travel against medical advice.
  • Any pre-existing medical condition unless otherwise expressly stated in your policy.
  • Participation in a sport or activity not named in our adventure activities list or agreed by World Nomads.
  • Expenses you incur after you return to your Country of Residence.
  • Working or participating professionally as an athlete in any activity or sport.

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.

Safety tips and handy hints for your paddling trip 

  • Before you launch, remember to check the International River Grading of the river or water you’re on so you won’t invalidate your coverage. 
  • Kayaking and rafting are physically demanding – make sure you’re up to it. Plan a trip within your capabilities.
  • Check the weather, check your equipment, and check the credentials of your instructor/guides.
  • Wear the right gear – it can get cold on the water and being cold and wet can lead to hypothermia.

 

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?
  • Close relative suddenly dies?

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
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

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

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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