Live Action Role Playing (LARP) Travel Insurance Coverage
Learn how your LARP adventure can be covered by travel insurance plans
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At a glance:
- All World Nomads plans cover live action role playing trips, with some plans that offer higher limits of coverage.
- Emergency Medical Coverage may assist with medical costs and transport if you're seriously hurt while LARPing.
- Our travel protection plans include transportation if your condition is severe, acute, or life-threatening and adequate treatment is not available in your immediate area. Additional terms apply.
- Gear and baggage protection helps cover lost, stolen, or damaged LARPing gear and luggage.
- An optional Cancel for Any Reason upgrade is available on some plans (additional cost and state restrictions may apply.)
- Why should I consider travel insurance for my LARP trip?
- Travel insurance and non-insurance services for LARP: What may be covered?
- What level of travel insurance coverage do I need for my live action role playing trip?
- What may not be covered when on a LARPing trip?
- Top safety tips we recommend for LARPing safely
- FAQs
Whether you’re into fantasy, renaissance, steampunk, or horror, live-action role-playing lets you step out of reality and immerse yourself in a fictional world. These adventures can even take you to exciting destinations beyond the U.S.—but wherever you go, it’s wise to be prepared for the unexpected. If you’re planning a trip, you may want to protect yourself with a travel protection plan that includes a range of travel insurance benefits and non-insurance services for live action role playing trips that may help with everything from stolen LARP gear to unexpected medical expenses.
Why should I consider travel insurance for my LARP trip?
Most game masters take steps to try to keep the environment safe, but unexpected issues can mess up even the most carefully planned LARP trips. If you lose your footing and trip, that fall to the ground will bring you back to reality quickly. Adventure travel insurance and non-insurance services designed for LARP adventures may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently when you’re LARPing away from home.
Travel insurance and non-insurance services for LARP: What may be covered?
When you’re live action role playing and engrossed in the moment as a 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 a horde of monsters coming your way. Since unexpected situations can happen when LARPing, we’ve designed coverage for losses resulting from live action role playing while traveling. We also offer coverage for losses related to more than 250+ other sports, activities and experiences.
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Emergency Medical Expenses
For falls that happen when LARPing -
24/7 Non-Insurance Emergency Assistance
Available 24/7 to assist in an emergency situation -
Baggage & Gear Coverage
Damaged or stolen LARP gear or luggage that is lost -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather keeps you from participating in a LARP
Get a quote and compare the plans to see which level of coverage is right for you.
Terms, conditions, and limitations apply to all mentioned coverages.
All plans include adventure travel insurance coverage for LARP trips, as well as several additional non-insurance services that may support you both before and during your trip. These include delayed or lost baggage tracking and delivery, portable health records and pre-departure telehealth services.
What level of travel insurance coverage do I need for my live action role playing trip?
World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even when you’re going on a LARP trip, you may want to do other fun things too, like hiking or camping. That’s totally fine, because you may be covered for more than 250+ other sports, activities and experiences when you purchase a travel protection plan that includes travel insurance coverage and non-insurance services for your LARP adventure.
- Standard Plan – This is the most basic plan, but includes travel insurance coverage for incidents while LARPing. It includes up to $125,000 in emergency medical expenses and up to $2,500 for trip cancellation.
- Explorer Plan – This also covers live action role playing, but also covers other activities such as skydiving and triathlons. It also has higher limits of coverage for most benefits.
- Epic Plan – This covers everything the Explorer plan covers, plus even more activities – including cliff diving and free soloing. It also has the highest benefit limits of coverage.
- Annual Plan – If you’re planning multiple trips throughout the year, this plan may be for you. Just buy once and stay protected all year. It includes travel insurance coverage for LARP trips, as well as all of the other activities covered in the Standard Plan.
NOMADS TIP: For even more trip cancellation flexibility, check out the optional ‘Cancel for Any Reason’ benefit. It can be added to Explorer and Epic plans. Available at an additional cost for U.S. residents, except in New York.
Get a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
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What may not be covered when on a LARPing trip?
If you arrive at your event, and aren’t vibing with your plot, your live action role playing travel insurance coverage won’t cover you if you want to cut your trip short and go home. Some other things that aren’t covered include:
- Unattended baggage, LARP gear or personal items
- Traveling or LARPing within 100 miles of your home
- Not following ‘Do Not Travel’ warnings issued by the US government prior to departure
- 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.
Top safety tips we recommend for LARPing safely
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. You may also want to save a copy of your plan documents in your phone and have the phone number for the 24/7 Non-insurance Emergency Assistance team easily accessible as well – just in case.
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.
- Get rest the day before.
- Take breaks when you need to.
FAQ
Here are our most frequently asked questions about cover for LARPing. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Can LARP be covered under World Nomads Travel Insurance?
Yes, live action role playing may be covered under all four plans offered by World Nomads Travel Insurance. If you want higher limits of coverage, you’ll want to consider the Explorer or Epic plan.
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What types of incidents may be covered while on your live action role playing trip?
If your trip is canceled or interrupted due to an unforeseen event, you may be able to recover your travel expenses (up to the maximum benefit amount), and this may include unused, pre-paid, non-refundable tours that you paid for in advance. If you fall and get hurt when LARPing and require medical assistance, emergency medical coverage may come in handy in the case of an unexpected injury. You may also be covered for unplanned situations such as lost bags.
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Can I purchase a plan after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan that includes adventure travel insurance coverage for LARP trips online anytime, from anywhere in the world. World Nomads Travel Insurance for U.S. residents takes effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage for live action role playing, you’ll need to buy your insurance at least the day before you need coverage.
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Does World Nomads Travel Insurance offer coverage for live action role playing overseas?
Yes, some of the best LARP events are outside of the US and World Nomads doesn’t want to limit your fun. For example, if you have travel insurance for Germany, you could have the opportunity to participate in Conquest of Mythodea. When you get a quote for a travel protection plan , you’ll need to input where you’ll be traveling.
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What should I do if I get hurt while LARPing?
If you get hurt while live action role playing, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help cover the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval.) Access to a 24/7 Non-Insurance Emergency Assistance team is also included for support anytime, anywhere when you purchase a travel protection plan that includes travel insurance coverage for LARP trips.
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Does World Nomads cover other activities during my trip?
Yes, when you purchase travel insurance and non-insurance services for live action role playing, you could be covered for losses related to more than 250+ other sports, activities and experiences. Things like swimming, hiking and camping may all be covered. You can review the list of activities, but 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 by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, tours and accommodations if your trip is cancelled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add additional cancel for any reason coverage when certain World Nomads plans are purchased.
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What happens if my bags are delayed?
When you purchase travel insurance coverage for LARP trips, baggage coverage is also included. If your checked-in bags are delayed more than 12 consecutive hours on the way to your destination, your plan may reimburse you for reasonable essential items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance service that can help track down your bag and get it delivered to you.
Need destination inspiration for your next LARP trip?
In the US, DrachenFest has become a favorite event for many LARPers. However, there are plenty of great spots to live action role play around the world, too. If you aren’t sure where to go for your next LARP adventure, check out a couple of our favorite live action role playing events and get destination-specific travel insurance tips to help you plan with confidence.
Requiem: Reichskinder – Czech Republic
20250930-4852446. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state 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. Exclusion applies to Adventure or Extreme Activities.Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation.
- Standard Plan: $2,500
- Explorer Plan: $10,000
- Epic Plan: $15,000
- Annual Plan: $5,000
Trip Protection
- Work emergency?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Insurance
Take the pain out of medical or dental costs.
- Standard Plan: $125,000
- Explorer Plan: $150,000
- Epic Plan: $250,000
- Annual Plan: $100,000
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
We’ve got your back.
Emergency Evacuation
We'll provide assistance to get you to the hospital or home quickly.
- Standard Plan: $400,000
- Explorer Plan: $500,000
- Epic Plan: $700,000
- Annual Plan: $100,000
Emergency Evacuation
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Covers the loss, theft or damage of your bags, tech and gear.
- Standard Plan: $1,000
- Explorer Plan: $2,000
- Epic Plan: $3,000
- Annual Plan: $2,000
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
Help starts here.
The amounts listed represent the maximum benefit amount.
Protect your health
- 24/7 Emergency Assistance Help Line
- Emergency Medical & Dental Expenses
- Emergency Evacuations
- Bedside Companion Travel
- Emergency Medications
Protect Your Trip
- Trip Cancellation
- Optional Cancel for Any Reason (Explorer or Epic)
- Trip Delay & Trip Interruption
- Missed Connection (Explorer or Epic)
- Rental Car Damage (Explorer, Epic or Annual)
Protect Your Stuff
- Baggage Delay
- Passport and Visa Loss
- Lost or Stolen Bags
- Personal Tech, Equipment & Gear
- Baggage Return After Evacuation
Non-Insurance Services
- Medical & Non-Medical 24/7 Emergency Assistance Line
- Translators Available
- Pre-Departure Telehealth Services
- Portable Health Records
- Delayed or Lost Baggage Tracking and Delivery
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 24/7 Emergency Assistance:
Telephone:
+1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada
Before your trip, check the latest government advice for any travel alerts for your destination.