Travel Insurance: Activities, sports & adventures covered by World Nomads

This information is for residents of Helpdesk Global only.

World Nomads travel insurance provides cover to participate in range of recreational sports and activities while traveling overseas.

We like to think we know most adventures World Nomads love. Check the list below or the policy wording for full details. If a sport or activity is not listed it may have slipped by us or it may not be covered. Check with us if you’re not sure before you decide to give it a go.

As we’ve recently changed our insurer, please select the date you bought your policy to view the list of sports for your policy:

Policies purchased on or after 2 Dec 2018 (GMT)

Policies purchased before 2 Dec 2018 (GMT)

For policies purchased on or after 2 Dec 2018, your World Nomads policy is backed by certain underwriters at Lloyd's:

When you get a quote, simply add all of the sports you'll do on your trip onto your policy. This list will help you understand what's covered and not covered.

Our Standard Plan and Explorer Plan, will cover you for all Level 1 activities listed below. If you think you’re likely to want to participate in the level 2 or 3 activities listed below, you can pay an additional premium when you purchase your insurance which will cover you for those as well. 

(1) Level 1 - Automatically covers Level 1 sports, activities & experiences and non-manual work in the Standard Plan and Explorer Plan.

(2) Level 2 - Upgrade required - Also includes Level 1 sports, activities & experiences, non-manual and manual work.

(3) Level 3 - Upgrade required - Also includes Level 1 & 2 sports, activities & experiences and manual work.

Note: Some of these activities have specific conditions or exclusions, and some activities are excluded completely. Check the policy wording for full details.
 

Adventure Sports, Activities & Experiences

Level

Special Conditions that apply

Special Exclusions that apply

Abseiling (rappelling, rapping, rap jumping, deepelling, abbing) See also Climbing and Mountaineering 2 Special Condition (a) Special Exclusion (iv)
Acrobatics 1    
Aerial safari 1 Special Condition (a) Special Exclusion (iv)
Aerobics 1    
Air guitar 1    
Alpine ski touring (see Skiing) -    
American football (Gridiron) 1   Special Exclusion (iv) and (v)
Angling (see Fishing)  -    
Athletics 1    
Australian Rules Football (AFL) 1   Special Exclusion (iv)
Backpacking (up to 4,500 meters)   Special Exclusion (iii)
Backpacking (up to 6,000 meters) 2   Special Exclusion (iii)
Badminton 1    
Ballooning (See Hot air ballooning) -    
Banana boat rides 1 Special Condition (a)  
Baseball 1    
Basketball 1    
Biking (see Cycling, Mountain biking or Snow biking) -    
Black water rafting (cave tubing) (grades 1-5) 2 Special Condition (a) Special Exclusion (iv)
Boating (see Speed boating, Sailing) -    
Bobsled/Bobsleigh 2 Special Condition (a) Special Exclusion (i) and (iv) and (v)
Bouldering (see Rock climbing)  -    
Bowling (lawn, ten-pin, nine-pin, candlepin, duckpin and five-pin bowling, bowls, pétanque & boules) 1    
Boxing (gym or outdoor training) 2   Policy excludes boxing competition or bouts.
Bungee/bungy jumping 1 Special Condition (a)  
Bushwalking (up to 4,500 meters)   Special Exclusion (iii)
Bushwalking (up to 6,000 meters) 2   Special Exclusion (iii)
Camel riding/trekking 1 Special Condition (a) Special Exclusion (v)
Camping up to 4,500 metres (see also Hiking and Mountaineering) 1   Special Exclusion (iii)
Camping up to 6,000 metres (see also Hiking and Mountaineering) 2   Special Exclusion (iii)
Canoeing (inland/coastal waters, grades 1-3 only)  1    
Canyon swing 1 Special Condition (a)  
Canyoning 2   Special Exclusion (iv)
Capoeira dancing (see Dance)  -    
Cave diving / Cavern diving 2 Special Condition (e) Policy excludes cliff diving.
Special Exclusion (ii) and (iv)
Caving (sightseeing/tourist attraction) 1 Recreational visit only  
Cheerleading 1    
Clay pigeon shooting 1 Special Condition (a) or (b) Special Exclusion (v)
Climbing (see Rock climbing or Ice climbing)  -    
Cricket 1    
Croquet 1    
Curling 1    
Cycling (up to 4,500 meters – all styles including touring and organised tours) 1   Policy excludes Yungas Road/Death Road. Special Exclusion (v)
Cycling  (up to 6,000 meters – all styles including touring and organised tours) 2   Policy excludes Yungas Road/Death Road. Special Exclusion (v)
Dance (ballet, ballroom, capoeira, salsa, interpretive dance) 1    
Darts 1    
Dirt boarding 1   Special Exclusion (v)
Diving (see Scuba diving, High diving, Cave diving, Free diving)  -    
Dodge ball 1    
Dogsledding (on recognised trails) 1 Special Condition (a) Policy excludes remote areas, racing, time trials and endurance events
Dragon boating (inland or coastal waters only) 1    
Dune buggy 1 Special Condition (a) or (b) Special Exclusion (v)
Elephant riding/trekking 1 Special Condition (a) Special Exclusion (v)
Equestrian activities (see Horse Riding) -    
Fell running/walking (see Hiking)  -    
Fencing 1   Special Exclusion (v)
Fishing 2 Sports / leisure fishing only.
Special Condition (a) or (b); and Special Condition (c)
Policy excludes commercial fishing and rock fishing.
Fitness training 1    
Floorball 1    
Fly by wire 1 Special Condition (a)  
Flying (as a fare paying passenger in a licensed scheduled or chartered aircraft or helicopter) 1 Special Condition (a)  
Flying (as a passenger of a private light aircraft) 1   Policy excludes stunt flying/aerobatics and commercial flying. Special Exclusion (iv) and (v)
Football (Soccer) including 5 a side 1    
Free diving (up to 50 meters) 3   Policy excludes cliff diving.
Special Exclusion (ii) and (iv)
Frisbee 1    
Glacier walking/ice walking 1 Special Condition (a) Special Exclusion (iii)
Gliding 1 Special Condition (a) or (b) Special Exclusion (iv) and (v)
Go karting 1 Special Condition (a) Special Exclusion (v)
Golf 1    
Gym training (aerobics, spinning, Zumba, body pump, weight training, cross training, crossfit) (See also Boxing and Martial arts) 1   Policy excludes Power lifting
Gymnastics 1    
Handball 1    
Hang gliding 3 Special Condition (a) Special Exclusion (iv) and (v)
High diving up to 10 metres 1   Policy excludes cliff diving
Hiking up to 4,500 metres (scrambling, hillwalking) on recognised routes 1   Policy excludes where ropes, picks or other specialist climbing equipment is required. Special Exclusion (iii)
Hiking up to 6,000 metres (scrambling) on recognised routes 2   Policy excludes where ropes, picks or other specialist climbing equipment is required. Special Exclusion (iii)
Hockey 1    
Horse riding (leisure/social, non-competitive equestrian, dressage, show jumping, eventing) 1   Policy excludes racing. Special Exclusion (iv) and (v)
Hot air ballooning (ballooning) 1 Special Condition (a) or (b) Special Exclusion (v)
Hunting (excluding Big Game) 1 Special Condition (a) or (b) Policy excludes Big Game Hunting. Special Exclusion (v)
Hydrofoiling (see Water skiing)  -    
Ice climbing (see Rock climbing and Mountaineering)  -    
Ice hockey 1   Special Exclusion (iv) and (v)
Ice skating (indoor or outdoor) on a commercially managed rink 1 Special Condition (a)  
Ice walking (see Glacier walking) -    
In-line skating (see Roller skating or Roller blading) -    
Jet boating (inland/coastal waters only) 1 Special Condition (a) or (b) Special Exclusion (v)
Jet skiing (inland/coastal waters, grades 1-2 only) 2 Special Condition (a) or (b) Special Exclusion (v)
Kayaking (inland/coastal waters, grades 1-3 only) 1    
Kite boarding (on land or water) 2    
Kite buggy 2   Special Exclusion (v)
Kite flying 1    
Kite surfing 1    
Kite wing (land, water) 2   Special Exclusion (iv and (v)
Korfball 1    
Lacrosse 1    
Land surfing 2   Special Exclusion (v)
Martial arts training 2 Special Condition (a); non-competitive only Special Exclusion (iv) and (v). Policy excludes cage fighting, mixed martial arts, kickboxing, Muay Thai and competition or bouts.
Martial arts training (non-contact) 1    
Moped riding/Scooter biking 1 Special Condition (b); and a helmet must be worn Special Exclusion (v)
Motor racing experience (passenger only) 1 Special Condition (a)  
Motor biking 1 Special Condition (b); and a helmet must be worn Special Exclusion (v)
Motor biking pillion passenger  (see Motor biking)  -    
Mountain biking (up to 4,500 meters – all styles including touring and organised tours) 1   Policy excludes Yungas Road/Death Road. Special Exclusion (v)
Mountain biking  (up to 6,000 meters – all styles including touring and organised tours) 2   Policy excludes Yungas Road/Death Road.
Special Exclusion (v)
Mountaineering up to 6,000 metres (with ropes, picks or specialist climbing equipment) 3 We recommend you do not venture into any area without taking local advice and appropriate rescue equipment. Special Exclusion (iii) and (iv)
Netball 1    
Obstacle course/assault course/trim trail (see Outdoor endurance)  -    
Orienteering 1    
Outdoor endurance 1    
Outrigger canoeing (inland or coastal waters only) 1    
Outward Bound 1 Special Condition (a)  
Paint balling/airsoft 1 Special Condition (a) Special Exclusion (v)
Parachuting 2 Special Condition (a) or (b) Policy excludes parachuting from a hot air balloon.
Special Exclusion (iv) and (v)
Paragliding/parapenting 3 Special Condition (a) or (b) Special Exclusion (iv) and (v)
Parasailing/Parascending 2 Special Condition (a) or (b) Special Exclusion (iv) and (v)
Quad biking 1 Special Condition (a) or (b); and a helmet must be worn Special Exclusion (iv) and (v)
Racquetball 1    
Rambling (See Hiking) -    
Rap jumping 2 Special Condition (a) Special Exclusion (iv)
Rifle range/sports shooting 1 Special Condition (a) or (b) Special Exclusion (v)
River boarding/hydro speeding (grades 1-3) 2 Special Condition (a)  
Rock climbing (bouldering) 1   Special Exclusion (iv)
Rock climbing (indoor) 2 Special Condition (a) Policy excludes soloing. Special Exclusion (iv)
Rock climbing (outdoor/traditional/sport climbing/bolted/aid climbing/free climbing); see also Mountaineering 3   Policy excludes soloing. Special Exclusion (iv)
Roller hockey 1    
Roller skating 1   Policy excludes stunting
Rollerblading 1   Policy excludes stunting
Rounders 1    
Rowing/sculling (inland/coastal waters) 1   Special Exclusion (v)
Rugby (League/Union) 2   Special Exclusion (iv) and (v)
Running/jogging (up to marathon distance) 1   Policy excludes Running of the Bulls.
Safari tours 1 Special Condition (a) Policy excludes handling and/or work with dangerous animals including big cats, crocodiles, alligators, hippopotamuses, snakes elephants or bears
Sail boarding (see Wind surfing)  -    
Sailing 1 Special Condition (a) or (b); and Special Condition (c) Special Exclusion (v)
Sandboarding/sand skiing 1    
Scuba diving (to 50 metres) 2 Special Condition (e) Policy excludes cliff diving. Special Exclusion (ii) and (iv)
Sculling (see Rowing)  -    
Sea Kayaking/ Sea Canoeing (see Kayaking)  -    
Segway tours 1 Special Condition (a); and a helmet must be worn Special Exclusion (iv) and (v)
Shark cage diving (see Scuba diving)  -    
Skateboarding (ramp, half pipe, skate park, street) 1    
Skiing / snowboarding (on piste, off piste, heli-skiing, heli-boarding) 2 Special Condition (d) Special Exclusion (i)
Skydiving (solo) 3 Special Condition (a) Policy excludes skydiving from a hot air balloon.
Special Exclusion (iv) and (v)
Sledding/Tobogganing/Snow Sleds/Snow Sleighs (on snow) 2   Policy excludes remote areas, racing, time trials and endurance events.
Special Exclusion (i) and (iv) and (v)
Sleigh rides 1 Special Condition (a) Policy excludes remote areas.
Snooker 1    
Snorkelling 1    
Snow biking (on piste or off piste within resort boundaries) 2 Special Condition (a) Special Exclusion (i) and (iv) and (v)
Snow kiting 2 Special Condition (a) Special Exclusion (iv) and (v)
Snow rafting 2 Special Condition (a) Special Exclusion (iv) and (v)
Snowmobiling 2 Special Condition (a) Policy excludes remote areas, racing, time trials and endurance events.
Special Exclusion (iv) and (v)
Soccer 1    
Softball 1    
Speed boating (inland/coastal waters only) 1 Special Condition (a) or (b) Policy excludes speed boating on white water or outside coastal waters.
Special Exclusion (v)
Spelunking (see Caving)  -    
Squash/racquetball 1    
Stand up paddle surfing/paddle boarding 1    
Stilt walking 1    
Stoolball 1    
Surf boat rowing 1    
Surfing 1    
Swimming 1   Policy excludes swimming outside coastal waters. 
Swimming with whales/whale sharks (inside or outside coastal waters) 1 Special Condition (a)  
Table tennis 1    
Tandem skydiving 2 Special Condition (a) Policy excludes skydiving from a hot air balloon.
Special Exclusion (iv) and (v)
Tchoukball 1    
Ten pin bowling (see Bowling)  -    
Tennis 1    
Theme parks / fairgrounds 1 Special Condition (a)  
Tough Mudder (see Outdoor endurance)  -    
Trail bike riding (see Motor biking)  -    
Tramping (see Hiking)  -    
Trekking (see Hiking)  -    
Tubing on rivers (see also Black water rafting) 1 Special Condition (a) Special Exclusion (iv)
Tubing on snow 2 Special Condition (a)  Special Exclusion (iv) and (v)
Tuk Tuk (as a passenger) 1 Special Condition (a) Policy excludes tuk tuk racing. 
Ultimate Frisbee 1    
Via Ferrata 2    
Volleyball 1    
Wake skating 1    
Wakeboarding 1    
Wakeboarding (see Water skiing)  -    
Walking (see Hiking)  -    
War games/military simulation (see Paint balling/airsoft OR Rifle range/sports shooting)  -    
Water skiing/wakeboarding 1 Special Condition (a) or (b) Policy excludes jumping. Special Exclusion (v)
Weight training (see Gym training) -    
White water kayaking/canoeing (see Kayaking/Canoeing)  -    
White water rafting (grades 1-5) 2 Special Condition (a) Special Exclusion (iv)
Windsurfing (inland or coastal waters only) 1   Special Exclusion (v)
Working - Non-manual work 1   Special Exclusion (v)
Working - manual work 2   Special Exclusion (v)
Yachting (see Sailing)  -    
Yoga (class, alone/home practice) 1    
Yoga (teaching) 2 Special Condition (b) Special Exclusion (v)
Zip line 1 Special Condition (a)  
Zorbing 2 Special Condition (a) Special Exclusion (iv) and (v)

Excluded Activities

There is no cover for the following activities:

  1. base jumping, wingsuit flying, cliff diving, martial arts competitions, motor sports, piloting an aircraft, stunt flying/aerobatics, rodeo, bull riding/Running of the Bulls;
  2. taking part in dangerous expeditions; mountaineering expeditions or expeditions to remote and inaccessible regions of the Arctic, Antarctica or Greenland, unless approved by us;
  3. crewing of a vessel more than 60 miles from a protected body of water;
  4. work as a guide where ropes or other specialist climbing equipment is required;
  5. work offshore or underground, including in caves;
  6. work operating machinery or heavy/industrial equipment;
  7. work at height without proper safety equipment. Work at height is further restricted to a maximum of two metres; or
  8. work in close proximity to dangerous animals including, for example, hippopotami, crocodiles, alligators, sharks, elephants, bears, big cats and deadly snakes.

Specific restrictions or exclusions for policies purchase on or after 2 Dec 2018

Special Conditions

(a) You must be with a professional, qualified and licensed guide, instructor or operator.

(b)  You must have the appropriate certification or licence to participate in this sport, activity or experience at home. If operating a motor vehicle, the driver must hold the appropriate valid licence in their country of residencefor the vehicle.

(c) Within 60 miles of a safe haven (a protected body of water used by marine craft for refuge from storms or heavy seas).

(d) Conventional skiing/snowboarding only. It is not a condition of cover that you ski or snowboard with a guide, however, you must follow the International Ski Federation code or the resort regulations; we strongly suggest that you do not venture into back country areas without taking local advice and appropriate rescue equipment.

(e) Conventional scuba diving only.  You are limited to your current qualification limit, unless accompanied by a qualified instructor, taking part in a recognised course requirement of your chosen Diving Association. You must hold a current P.A.D.I. (Professional Association of Diving Instructors), B.S.A.C. (British Sub Aqua Club), SAA (Sub Aqua Association), C.M.A.S. (Confederation Mondiale Des Activites Subaquatiques), or equivalent internationally recognised qualification and follow their relevant Association, Club or Confederation rules and guidelines at all times, or you must only dive under the constant supervision of a properly licensed Diving Instructor and follow their rules and instructions at all times.

Special Exclusions - there is no cover for:

(i) Any competition, free-style skiing / snowboarding, ski/ snowboard jumping, ski-flying, ski / snowboard acrobatics, ski / snowboard stunting, or ski racing or national squad training, the use of skeletons.

(ii) Any unaccompanied dive, any dive for gain or reward, any dive which takes you below your current qualification limits, or any dive below 50 metres under any circumstances.

(iii) Free mountaineering, climbing in remote or inaccessible regions, exploratory expeditions and new routes, high altitude climbing over 6,000 metres, mountaineering expeditions or  activities within Antarctica, the Arctic Circle or Greenland.

(iv) Personal Accident

(v) Personal Liability



For policies purchased before 2 Dec 2018, your World Nomads policy is backed by Bupa Global Travel:

You must choose the correct plan to be covered for specific activities listed below:

(1)Standard Plan
(2)Explorer Plan, also includes cover for all Standard Plan activities
(Excluded) – Activities which are not covered under any plan.

We like to think we know most adventures World Nomads love. If a sport or activity is not listed it may have slipped by us or it may not be covered. Check with us if you’re not sure.

Note: Some of these activities have specific restrictions. Please check the policy wording (Product Guide) for details.

A

Abseiling (Excluded). For policies purchased before 12am, 29 November, 2017, abseiling is covered on the Explorer plan.
Aerial safari (1)
Alpine ski touring (2)
American football (1)
Angling, excluding rock fishing (1)
Archery (1)

B

Badminton (1)
Ballooning (1)
Baseball (1)
Base jumping (Excluded)
Basketball (1)
Biking – all styles including touring and organised tours (1)
Black water rafting (2)
Bobsleigh (2)
Bouldering (1)
Bowling (1)
Bull riding (Excluded)
Bungee jumping (1)
Bushwalking up to 6,000 meters (1)

C

Camel riding / trekking (1)
Camping under 6,000 meters (1)
Camping over 6,000 meters (Excluded)
Canoeing (1)
Canyon swing (1)
Canyoning (1)
Capoeira dancing (1)
Cave diving (2)
Cavern diving (2)
Caving (1)
Clay pigeon shooting (1)
Cliff diving (Excluded)
Cricket (1)
Cycling under 6,000 meters – all styles including touring and organised tours except on Yungas Road/Death Road (1)
Cycling over 6,000 meters (Excluded)

D

Deep sea fishing (1)
Dirt boarding (1)
Dog sledding (1)

E

Elephant riding / trekking (1)
Equestrian activities (1)
Expeditions in Antarctica, within the Arctic Circle and Greenland (Excluded)
Expeditions - check the activity you will do to choose the correct plan.

F

Fell running / walking (1)
Fencing (1)
Fishing – all types except rock fishing (1)
Fishing – rock fishing (Excluded)
Fly by wire (1)
Flying as a passenger in a licensed scheduled or chartered aircraft or helicopter (1)
Flying / piloting an aircraft (Excluded)
Football (1)
Free diving (up to 50m) (2)

G

Glacier walking in all countries except Antarctica, within the Arctic Circle and Greenland (2)
Gliding (1)
Go karting (1)
Golf (1)
Gymnastics (1)

H

Hang gliding (Excluded)
Heli-skiing / boarding (2)
Hiking up to 6,000 meters in all countries except Antarctica, within the Arctic Circle and Greenland (1)
Hiking over 6,000 meters (Excluded)
Hockey (1)
Horse riding (1) – see also Rodeo
Hot air ballooning (1)
Hunting (excluding big game) (1)

I

Ice climbing (2)
Ice hockey (1)
Ice skating (indoor or outdoor) (1)

J

Jet boating (2)
Jet skiing (2)

K

Kayaking (1)
Kite buggy (1)
Kite surfing (2)
Kite wing (2)
Kiteboarding on land (2)
Kiteboarding on water (2)

L

Land surfing (2)

M

Manual work in covered activities (2)
Martial arts - non contact (1)
Martial arts - cage fighting, mixed martial arts, kickboxing, Muay Thai (Excluded)
Martial arts - training (2)
Moped biking (1)
Motor biking (1)
Mountain biking up to 6,000 meters – all styles including on and off track, cross country, downhill, touring, except on Yungas Road/Death Road (1)
Mountaineering using specialist climbing equipment (Excluded)
Motocross (Excluded)
Motorsports - shows, races, competition or training (Excluded)

N

Netball (1)
Non-manual work in covered activities (1)

O

Orienteering (1)
Outdoor endurance (1)
Outward Bound (1)

P

Paint balling (1)
Parachuting (2)
Paragliding (Excluded)
Parapenting (Excluded)
Parasailing (2)
Parascending (2)
Parascending (over water only) (2)
Passenger in a licensed scheduled or chartered aircraft or helicopter (1)
Passenger in a private, light aircraft (1)
Professional sports where you receive a payment or wage (Excluded)

Q

Quad biking (1)

R

Rambling (1)
Rap jumping (2)
Rifle range shooting (1)
Riverboarding (2)
Rock climbing (Excluded) For policies purchased before 12am, 29 November, 2017, abseiling is covered on the Explorer plan.
Rodeo (Excluded)
Roller blading (1)
Roller skating (1)
Rowing / sculling (1)
Rugby (1)
Running of the bulls (Excluded)

S

Safari tours (1)
Sailing (coastal waters only) (1)
Sailing (outside coastal waters) (1)
Sandboarding (1)
Sandskiing (1)
Scuba diving to 50 meters (2)
Scuba diving over 50 meters (Excluded)
Sea canoeing (1)
Sea kayaking (coastal waters only) (1)
Shark cage diving to 50 meters (2)
Skateboarding (street) (1)
Skateboarding - ramp / half pipe (1)
Skateboarding - skate park (1)
Ski joring (1)
Skidoos (2)
Skiing / snowboarding – on piste, off piste (2)
Skydiving (except from a hot air balloon) (2)
Sleigh rides (1)
Sledding (2)
Snorkelling (1)
Snow mobiling (2)
Snow rafting (2)
Snowboarding – on piste, off piste (2)
Snowsports (2)
Soccer (1)
Speed boating (1)
Squash (1)
Stand up paddle surfing (1)
Stilt walking (1)
Surf boat rowing (1)
Surfing (1)
Swimming (1)

T

Table tennis (1)
Tandem skydiving (2)
Ten pin bowling (1)
Tennis (1)
Trail bike riding (1)
Trekking up to 6,000 meters in all countries except Antarctica, within the Arctic Circle and Greenland (1)
Trekking in Antarctica, the Arctic Circle and Greenland (Excluded)
Trekking over 6,000 meters (Excluded)
Tubing (1)
Tubing on snow (2)
Tuk Tuk racing e.g Rickshaw Run (Excluded)

U

Ultimate frisbee (1)

V

Via ferrata (1)
Volleyball (1)

W

Wake skating (1)
Wakeboarding (1)
Walking (1)
Walking up to 6,000 meters (1)
Water skiing (1)
White water kayaking (2)
White water rafting (2)
Windsurfing (1)
Wingsuit flying (Excluded)

Y

Yachting (coastal waters only) (1)
Yachting (outside coastal waters) (1)
Yoga (in class or alone) (1)
Yoga (yoga teacher) (2)

Z

Zip line (1)
Zorbing (1)

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Last Updated: Dec 02, 2018 12:44PM AEDT