Travel Insurance for Kayaking and Rafting
Americans can get covered for adventures on the water.
- As featured in:
As featured in:
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.
- What kinds of kayaking and rafting do we cover?
- What do those River Grades mean?
- Choosing the right plan for you
- What is covered by World Nomads Travel Insurance?
- What's not covered?
Going kayaking or rafting on your vacation?
Exotic sunsets, the water hitting your face, hurtling down river rapids; experiences on the water are often the most unforgettable part of any vacation. From paddling with the family on Lake Superior, to sea kayaking the turquoise waters around Indonesia’s Raja Ampat archipelago, get your next vacation flowing on a kayaking or rafting adventure.
What kinds of 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 all 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)
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 plan for you
We offer four travel insurance plans – Standard, Explorer, Epic and Annual – each with 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 the adventure activities you’re planning. In addition to kayaking and rafting, we over coverage for more than 250 adventure activities for our U.S. nomads.
When you get a quote, you can compare the travel insurance plans, which offer coverage up to 180 days per trip. Choose the one that best meets your needs and level. If you plan to take numerous trips during the year, then the Annual Travel Insurance Plan could be best for you.
What is covered by World Nomads Travel Insurance?
Our plans may cover you on your kayaking and rafting adventures (up to the plan limits) for:- Emergency medical: Emergency medical expense 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 the 24/7 Emergency Assistance Team.
- Trip cancellation or interruption: If your trip is cancelled, interrupted, or delayed due to an unforeseen event like an illness or injury, you may be able to recover your nonrefundable, prepaid travel expenses through our trip cancellation, trip interruption or trip delay coverage.
- Natural disaster: 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 plan before the storm is named or the disaster happens.
- Concerned about any scenario not covered here? Consider the optional ‘cancel-for-any-reason' benefit. If you have an Explorer or Epic plan, by adding this benefit (for an additional charge), you can cancel your trip for any reason and get reimbursed for up to 75% of non-refundable costs. You must purchase this benefit during the time sensitive period.
Rafting and kayaking: what’s not covered
While there are many 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:
- Working or participating professionally as an athlete in any activity or sport.
- Participation in a sport or activity not named in our adventure activities list.
- Search and rescue missions.
- Any pre-existing medical condition, unless you purchased your plan within the time-sensitive period and have a waiver.
- If you travel against medical advice.
- Any Class 6 kayaking or rafting trips – sorry, but that’s a no-go for us.
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.
- Get fit – kayaking requires a certain amount of strength and stamina, so be sure you are physically capable of what you plan on doing. Consider using our non-insurance service partner Runway Health for pre-trip medical support to get travel medicines, like altitude sickness pills, delivered to your door before you leave on your trip.
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 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.
- Standard Plan: $125,500
- 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?
- Medivac 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
- Runway Health
- FootprintID
- Blue Ribbon Bags
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
Before your trip, check the latest government advice for any travel alerts for your destination.