For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
Am I covered for adventure sports, activities and experiences?
World Nomads travel insurance* offers coverage for Americans traveling abroad or 100 miles or more from home for over 250 adventure activities. We offer four plans – Standard, Explorer, Epic or Annual – and they each have different levels of coverage. You can’t upgrade your coverage after you purchase a plan, so it’s important to get this right on the first go.
If all the sports, activities and experiences you want to try come under different activity levels, then just choose the highest level of cover (Explorer or Epic Plan, for instance) and all the activities listed on that level and below will be covered.
What’s covered
- Baggage protection: Our gear coverage may help replace your stuff, up to its actual cash value at the time of the loss.
- Baggage delays: You may be covered for baggage delays of at least 12 hours on route to your destination.
- Emergency medical: Our emergency medical coverage may help cover everything from the services of a physician to ambulance services and x-rays in the case of an accident or injury at sea or on shore.
- Evacuation: With emergency evacuation, you may be transported by air ambulance to get treatment at an appropriate medical facility if medically necessary.
- Trip cancellation: Trip cancellation may help with the recovery of missed, prepaid, non-refundable trip costs when you cancel for a covered reason.
- Trip interruption: Did an emergency cut your trip short? Trip interruption may cover you.
- Repatriation: We may cover Repatriation if you get into a fatal accident, so your remains can be sent back home.
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
There may be specific exclusions and conditions that apply depending on what you'll be doing. Be sure to read the General Exclusions for other scenarios and expenses we don’t cover. Of course always read the full terms, conditions and exclusions in the plan documents so there’ll be no surprises if you need to use it.
- To give you an idea, there’s no cover:
- Participation as a professional in athletics.
- For sporting equipment damaged while in use.
- If you travel against medical advice.
- Any activities that aren’t on our adventure sports coverage list.
- Search-and-rescue missions.
- Any expenses relating to pre-existing medical conditions, unless you purchased your plan within the time-sensitive period and have a waiver.
- Unattended baggage, sporting equipment or personal items.
- If traveling domestically, travel within 100 miles from your home.
- Expenses that can be recovered from another source, such as your carrier or primary health insurer.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.
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We’re here to help if you have a question about travel insurance. We’re available:
- 24 hours a day, 7 days a week
Contact us
Within the USA & Canada toll free:
1-844-207-1930
From anywhere in the world, direct / collect:
+1-816-905-3963
Before your trip, check the latest government advice for any travel alerts for your destination.