For information relating to policies purchased prior to 1 September 2021 12:00am UTC, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or after 1 September 2021 please see below.
Check out our list of activities, sports and adventures covered to find out:
- What can be covered;
- What can't be covered;
- What plan you must choose to do a particular adventure sport, activity or experience; Standard Plan - Level 1, Explorer Plan - Level 2
If all the sports, activities and experiences you want to try come under different activity levels, then just choose the highest level of coverage (Explorer Plan) and all the activities listed on that level and below will be covered. For example, if you choose the Explorer Plan (Level 2), you are covered for both Level 2 and Level 1 (Standard Plan) activities.
Important: You won’t be able to upgrade to the Explorer Plan mid-way through your policy, so choose carefully the first time (otherwise you’ll need to buy a new policy to cover your higher-level activity).
What’s covered
When you’ve chosen the correct plan, if something goes wrong while participating, the cover that may be available includes:
- Emergency Medical Expenses overseas
- Medical Evacuation and Repatriation
- Trip Interruption
- Personal Liability (some activities may have a special exclusion relating to this coverage)
- Personal Accident (some activities may have a special exclusion relating to this coverage)
We're pretty sure we've thought of most of the activities and experiences our adventurous travelers might want to try, but if what you want to do isn't listed, just contact us and we'll confirm if it can be covered or not.
What’s not covered
While we know our Nomads love trying new things, it’s also common sense to only do an activity if you’re able, trained and properly equipped to do it. We’ve made it easy to understand what some of the boundaries of common sense are by outlining a number of specific exclusions and conditions that apply to certain covered activities.
The General Exclusions outline other scenarios and expenses we don’t cover and the full terms, conditions, limitations and exclusions are in the Policy Wording.
Some things that are not covered include:
- If you receive any kind of financial reward (like an appearance fee, a wage or salary) to participate in or train for a competition or race;
- Paragliding, mountaineering, base jumping, professional sports, races, competitions, motorsports;
- If you're driving or riding without the proper licenses;
- Anything illegal;
- If you’re intoxicated by drugs or alcohol;
- Sporting equipment damaged while in use.
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- Monday to Friday 9:00am - 5:00pm (UTC/UTC+1)
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For policies purchase on or after 2 December 2018:
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For policies purchased before 2 December 2018:
Before your trip, check the latest government advice for any travel alerts for your destination.