Travel Insurance for Live Action Role Playing (LARP)
Learn how travel insurance can protect you during LARP events.
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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.
Whether you are into fantasy, renaissance, steampunk, or horror, the excitement of participating in live action role play (LARP) can be electrifying. You’re able to step away from the mundane reality and responsibilities of life and immerse yourself in the adventurous fun of a fictional setting.
Most game masters take steps to try to keep the environment safe, but some things can’t be avoided. If you are attacked by a crunchy, step back too far when blocking, and trip over a tree root, that fall will bring you back to reality quickly. If you have plans to participate in a LARP event on your next trip, you may want to consider a World Nomads travel insurance* plan with adventure sports coverage.
- Should I consider travel insurance for LARP
- What other activities are covered by travel insurance?
- What is covered by travel insurance?
- What are some things travel insurance would not cover?
- Tips for LARPing Safely
Should I consider travel insurance for LARP?
Trip and falls are some of the most common injuries that happen while LARPing. When you’re engrossed in the moment, 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 the horde of monsters coming towards you. Getting hit in the eye with a spell packet is not any fun either. If you get hurt, your health insurance may not always cover you when you are traveling to destinations outside of your network or plan. However, a travel insurance plan from World Nomads may be able to assist by helping to reimburse expenses for things like x-rays, prescription medications, a hospital stay, or other emergency medical needs if you get hurt while LARPing.
What other activities are covered by travel insurance?
Are you planning to explore even more sports and adventures during your travels? World Nomads offers adventure travel insurance that covers more than 250 activities for US residents, and you can also have coverage for activities like backpacking, karate, and paint balling.
We offer four plans – Standard, Explorer, Epic and Annual – each with different levels of coverage. When you get a quote, you can compare the plans, which offer coverage up to 180 days per single trip. And if you plan to take numerous trips during the year, the Annual Travel Insurance Plan could be best for you; it has a maximum trip length of 45 days.
What is covered by travel insurance?
World Nomads covers international and domestic trips, when traveling at least 100 miles from home. In addition to emergency medical expense coverage, travel insurance may help with several other unexpected emergency situations you may encounter while you are on your trip. For US residents, World Nomads may also offer coverage for:
- Baggage and Gear: If the airline lost the bag that held your favorite boffer sword, baggage coverage may help reimburse the cost to replace it if it’s lost by a common carrier. All plans also include the non-insurance service Blue Ribbon Baggage, which will track and expedite the return of your airline baggage if it is lost or delayed.
- Trip Interruption and Cancellation Insurance: 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.
- Evacuation: If you get injured while LARPing in a place where there aren't nearby medical facilities, the 24/7 Emergency Assistance Team could help get you transported to a place that offers the level of care you need.
What are some things travel insurance would not cover?
If you arrive at your event and aren’t vibing with the plot of your LARP, your adventure travel insurance would not cover the cancellation of your trip. Some other things that are not covered include:
- 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.
- Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period were medically able to travel at the time of purchase.
- Participation in other activities not listed as covered in your policy.
- Domestic travel within 100 miles of your home.
Tips for LARPing safely
We’ve learned that 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.
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 the rules.
- Listen to the game master and marshal.
- Don’t drink alcohol and LARP.
- Wear a helmet.
- Perform a weapons check.
- Get rest the day before.
- Take breaks when you need to.
*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.
True Claims Stories
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?
- Been made redundant?
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
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
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.