What adventure sports and activities may be covered by travel insurance benefits?

All plans, including the Standard and Annual Plans, cover more than 250 activities, sports and experiences , and the Explorer and Epic Plans cover even more than that. A few examples of activities that may be covered include: Skiing , Kayaking , Cycling , Scuba diving , Surfing , Bungee jumping , Camping , Hiking , Rock climbing , Sailing , Safaris , Pickleball , Live Action Role Playing (LARP) , and Volunteering . Make sure you familiarize yourself with all the benefits, limits and exclusions, and if you have any questions about what activities are covered, you can contact us .

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 travel insurance coverage for adventure sports and activities 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 a particular activity, you’ll need to buy your insurance at least the day before you need coverage.

Are adventure sports and activities covered if I’m traveling in the United States?

Yes, you may be covered for trips within the United States, but only if you’re traveling more than 100 miles from your home. You’ll still need to make sure the activities you’re participating in are covered within your chosen plan too.

What should I do if I get hurt while on my trip?

If you get hurt while participating in a covered adventure sport or activity, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may reimburse 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.

If the airline loses or damages my sporting gear, will it be covered?

Your travel insurance benefits for adventure sports and activities includes baggage and gear coverage. If your checked gear is lost or damaged by a common carrier, you may be reimbursed for certain items that you can prove you owned. You’ll want to speak to the airline about reimbursement first though. Your plan is considered secondary coverage , and your travel insurance benefits for baggage and gear may kick in after you’ve exhausted the benefits from the source of your loss.

Do I get my money back for excursions and tours if my trip is canceled?

Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses that include tours, excursions, and activities if your trip is canceled 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. Terms and conditions apply.

Travel Insurance Benefits for Trips With Adventure Sports and Activities

US Residents may be covered for 250+ adventure sports and activities while on a trip

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At a glance

World Nomads offers plans that include travel insurance benefits and non-insurance services for 250+ adventure sports and activities
The Epic and Explorer plans cover even more activities and adventures
If you get seriously injured while traveling and participating in covered activities, you may be reimbursed for things such as x-rays, a hospital visit, and prescription medication

Why should you consider travel insurance that may cover adventure sports and activities?
What May Be Covered for 250+ Adventure Sports and Activities
Important to Know
Maximum Benefit Amounts for Accident & Sickness Medical Expenses
What activities are included?
Questions to ask when choosing a plan
FAQs

Why should you consider travel insurance that may cover adventure sports and activities?

Whether you’re going rafting in Costa Rica, hiking in Iceland, or taking on the epic bike trails of New Zealand, the more you do to prepare for your adventure, the more enjoyable your trip is likely to be. There are some things you can’t always plan for, though, like a trip getting canceled because of a hurricane or fracturing a rib while mountain biking. Because of these unexpected situations that can happen while traveling, you may want to consider getting a quote for a single-trip or annual travel protection plan that includes travel insurance benefits for activities and adventure sports.

What May Be Covered for 250+ Adventure Sports and Activities

Emergency medical expense coverage
Trip cancellation, trip interruption, and trip delay coverage
Stolen, delayed, or lost baggage
Access to non-insurance services, including one that lets you have access to your portable health records when traveling

Important to Know

You can’t participate in any sport on a professional basis
Damage to any sports or activity equipment while in use is not covered
Only trips more than 100 miles from your home may be covered
Some adventure sports are excluded or have special conditions, so check the list of covered adventure sports

Maximum Benefit Amounts for Accident & Sickness Medical Expenses

Standard Plan	Explorer Plan	Epic Plan	Annual Plan
Up to $125,000 per person Get a quote	Up to $150,000 per person Get a quote	Up to $250,000 per person Get a quote	Up to $100,000 per trip Get a quote

Compare all benefits and plans

What activities are included?

All plans, including the Standard and Annual Plans, cover more than 250 activities, sports and experiences , and the Explorer and Epic Plans cover even more than that. Some examples of adventure sports and activities travel insurance benefits may cover include:

The Explorer and Epic Plans offer coverage for more adventurous activities as well, like high altitude hiking or cliff diving. The full list of 250+ activities can be found here. If you’re not sure if an activity is covered, you can contact us and ask.

Questions to ask when choosing a plan

It may be tempting to consider the cheapest coverage option without reading the plan wording. However, you’ll want to pick the plan that has the best travel insurance benefits for the specific activities you’ll be participating in.

When deciding which plan is best matched to your adventures you might want to ask yourself:

What kind of activities will I be doing on vacation?
What activities are my travel companions planning?
What coverage do the different plans offer for these activities?
What exclusions might apply?

You’ll want to familiarize yourself with all the benefits, limits and exclusions before you buy a plan that includes travel insurance benefits for adventure sports and activities. Contact us if you have any questions about what activities are covered by each plan.

FAQ

Here are our most frequently asked questions about cover for adventure activities. You can also find the answers to other questions in our Help Center or you can ask the customer service team.

What adventure sports and activities may be covered by travel insurance benefits?
All plans, including the Standard and Annual Plans, cover more than 250 activities, sports and experiences , and the Explorer and Epic Plans cover even more than that. A few examples of activities that may be covered include: Skiing, Kayaking, Cycling, Scuba diving, Surfing, Bungee jumping, Camping, Hiking, Rock climbing, Sailing, Safaris, Pickleball, Live Action Role Playing (LARP), and Volunteering. Make sure you familiarize yourself with all the benefits, limits and exclusions, and if you have any questions about what activities are covered, you can contact us.

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 travel insurance coverage for adventure sports and activities 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 a particular activity, you’ll need to buy your insurance at least the day before you need coverage.

Are adventure sports and activities covered if I’m traveling in the United States?
Yes, you may be covered for trips within the United States, but only if you’re traveling more than 100 miles from your home. You’ll still need to make sure the activities you’re participating in are covered within your chosen plan too.

What should I do if I get hurt while on my trip?
If you get hurt while participating in a covered adventure sport or activity, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may reimburse 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.

If the airline loses or damages my sporting gear, will it be covered?
Your travel insurance benefits for adventure sports and activities includes baggage and gear coverage. If your checked gear is lost or damaged by a common carrier, you may be reimbursed for certain items that you can prove you owned. You’ll want to speak to the airline about reimbursement first though. Your plan is considered secondary coverage, and your travel insurance benefits for baggage and gear may kick in after you’ve exhausted the benefits from the source of your loss.

Do I get my money back for excursions and tours if my trip is canceled?
Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses that include tours, excursions, and activities if your trip is canceled 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. Terms and conditions apply.

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

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.

Standard Plan: $125,000
Explorer Plan: $150,000
Epic Plan: $250,000
Annual 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.

Standard Plan: $400,000
Explorer Plan: $500,000
Epic Plan: $700,000
Annual Plan: $100,000

Emergency Evacuation

Banged up abroad?
Need a hospital urgently?
Medevac home?

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

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

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

This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefits limits may vary depending on the plan chosen. Check the plan documents for full details.

INFORMATION YOU NEED TO KNOW

This advertisement contains highlights of the plans developed by Trip Mate, a Generali Global Assistance & Insurance Services brand, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al and non-insurance Travel Assistance Services. The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Trip Mate, a Generali Global Assistance & Insurance Services brand; we are licensed in all states; 880 SW 145th Ave, Suite 400, Pembroke Pines, FL 33027; 1-844-207-1930; assistancefees@tripmate.com. While Trip Mate markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Trip Mate and Trip Mate does not receive compensation from USF for providing the non-insurance components of the plans.

20260117-5117784. 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.