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World Nomads Standard vs Explorer: An Ultimate Guide to The Best Travel Insurance for Your Adventure

World Nomads Travel Insurance offers great coverage that I’ve depended on for countless adventures around the world.  However, weighing your options between World Nomads standard vs explorer coverage can be an annoying and mind-breaking task. Don’t sweat! In this guide, we’ll share everything you need to know to choose the travel insurance that’s right for you.

World Nomads Standard vs Explorer: An Ultimate Guide to WN Insurance for Your Adventure

Note: This article may contain affiliate links

The major advantage of World Nomads over other travel insurance, like SafetyWing or Revolut Travel insurance, is their extensive coverage of adventure sports and adventure travel in general.  Unfortunately, comparing the World Nomads Standard Plan vs. the Explorer plan can get a little confusing, as can be deciding whether it is worth the extra cost when deciding whether it is worth it to pay a little extra upfront instead of paying for unexpected emergency medical expenses later. 

The main difference between the two plans is which adventure sports are covered under the travel insurance. To make it easier to pick which coverage is best for you I’ve organized a list of the covered sports.  If any of your planned sports falls in the explorer plan, opt for the explorer plan.  If not, save your hard earned cash and stick with the standard plan and the other coverages (trip interruption, emergency medical, lost baggage) will be more than enough


Below you’ll find a list of all adventure sports covered by World Nomad’s Travel Insurance and the policy you’ll need to purchase for that specific coverage

For the full original list, updates, and World Nomad’s fine print (Terms and Conditions) please visit World Nomad’s full list of covered adventure sports.

Contents of this Guide to Choosing the Right Travel Insurance for Your Adventure: World Nomads Standard vs Explorer

ADVENTURE SPORTS COVERED UNDER WORLD NOMADS STANDARD POLICY

Acrobatics (gymnastics or trapeze) Standard Policy
Aerial safari Standard Policy
Aerobics Standard Policy
Air guitar Standard Policy
Airsoft Standard Policy
American football (Gridiron) Standard Policy
Angling Standard Policy
Archery Standard Policy
Athletics Standard Policy
ATVs Standard Policy
Au Pair / Nanny (paid or volunteer childcare) Standard Policy
Backpacking Standard Policy
Badminton Standard Policy
Ballet Standard Policy
Ballroom dancing Standard Policy
Banana boat rides Standard Policy
Barefoot water skiing Standard Policy
Baseball Standard Policy
Basketball Standard Policy
Bicycle polo Standard Policy
Bicycle touring Standard Policy
Bikepacking Standard Policy
Black Water Rafting (grades 1 – 5) Standard Policy
BMX (on road / off road / on track / cross country) Standard Policy
Boating Standard Policy
Bobsled (non-snow track) Standard Policy
Bobsleigh Standard Policy
Bowling (lawn, ten-pin, nine-pin, candlepin, duckpin and five-pin bowling, bowls, pétanque & boules) Standard Policy
Boxing (gym or outdoor training) Standard Policy
Broomball (hockey) Standard Policy
Bungee/Bungy jumping Standard Policy
Bushcraft Standard Policy
Bushwalking Standard Policy
Butoh Standard Policy
Camel riding / trekking Standard Policy
Camping (up to 19,685 feet/6,000 meters) Standard Policy
Canoeing Standard Policy
Canyon swing Standard Policy
Canyoning Standard Policy
Capoeira Dancing Standard Policy
Cave tubing (grades 1 – 5) Standard Policy
Caving (sightseeing/tourist attraction) Standard Policy
Cheerleading Standard Policy
Clay pigeon shooting Standard Policy
Competing at international events as a national representative Standard Policy
Cricket Standard Policy
Croquet Standard Policy
Cruising (crewing on a cruise ship) Standard Policy
Cruising (passenger on a cruise ship) Standard Policy
Curling Standard Policy
Cycle touring Standard Policy
Dance (ballet, ballroom, capoeira, salsa, interpretive dance) Standard Policy
Darts Standard Policy
Deep sea fishing Standard Policy
Disc golfing Standard Policy
Dirt boarding Standard Policy
Dodge ball Standard Policy
Dog sledding Standard Policy
Dragon boating Standard Policy
Dune buggy Standard Policy
Elephant riding / trekking Standard Policy
Environmental or conservation work (paid or volunteer manual work) Standard Policy
Equestrian activities Standard Policy
Fell running / walking Standard Policy
Fencing Standard Policy
Fishing (deep sea, inland, ice fishing) Standard Policy
Fitness training Standard Policy
Floorball Standard Policy
Flying (as a passenger in a glider or ultralight) Standard Policy
Flying (as a passenger in a private, licensed scheduled or chartered aircraft or helicopter) Standard Policy
Football (soccer) Standard Policy
Frisbee Standard Policy
Fruit picking (paid or volunteer WWOOFing, general farm work, manual work) Standard Policy
Glacier walking (up to 19,685 feet/6,000 meters) Standard Policy
Gliding Standard Policy
Go karting Standard Policy
Golf Standard Policy
Gridiron Standard Policy
Gym training (aerobics, spinning, zumba, body pump, weight training, cross training, crossfit) Standard Policy
Gymnastics Standard Policy
Handball Standard Policy
High diving up to 10 meters Standard Policy
Hiking or tramping (up to 19,685 feet/6,000 meters) Standard Policy
Hockey Standard Policy
Horse riding (equestrian, dressage, show jumping, eventing, polo) Standard Policy
Horse riding (leisure, social, bare back, non-competitive riding) Standard Policy
Hospitality, bar work (paid or volunteer manual work) Standard Policy
Hunting (excluding big game) Standard Policy
Hurling Standard Policy
Hydrofoiling Standard Policy
Hydrospeeding (grades 1-5) Standard Policy
Ice fishing Standard Policy
Ice hockey Standard Policy
Ice Skating Standard Policy
Indoor skydiving Standard Policy
In-line skating Standard Policy
Jet boating Standard Policy
Jet skiing Standard Policy
Kayaking Standard Policy
Kite boarding (on land or water) Standard Policy
Kite buggy Standard Policy
Kite flying Standard Policy
Kite surfing Standard Policy
Kite wing Standard Policy
Korfball Standard Policy
Lacrosse Standard Policy
Land surfing Standard Policy
Lawn bowling Standard Policy
Martial arts (Judo, karate) Standard Policy
Martial arts (non contact) Standard Policy
Microflight Standard Policy
Mongol Rally Standard Policy
Moped riding Standard Policy
Motorcycling (no coverage for motorcycle) Standard Policy
Motor biking (on or off road, trail bike riding) Standard Policy
Motor biking (pillion passenger) Standard Policy
Motor racing experience (passenger only) Standard Policy
Mountain biking Standard Policy
Netball Standard Policy
Obstacle course/assault course/trim trail Standard Policy
Office work (paid or volunteer clerical, non-manual work) Standard Policy
Orienteering Standard Policy
Outdoor endurance / multi-sport (less than ultra distance) Standard Policy
Outrigger canoeing Standard Policy
Outward Bound Standard Policy
Paddle boarding Standard Policy
Paint balling Standard Policy
Parasailing Standard Policy
Parascending (over land) Standard Policy
Parkour Standard Policy
Polar Plunge Standard Policy
Power lifting Standard Policy
Quad biking Standard Policy
Racquetball Standard Policy
Rambling Standard Policy
Raquet ball Standard Policy
Retail work (paid or volunteer shop assistant / store manager, general retail, manual work) Standard Policy
Rifle range/sports shooting Standard Policy
Riverboarding (grades 1-5) Standard Policy
Rock climbing or bouldering (indoor) Standard Policy
Rock fishing Standard Policy
Roller blading Standard Policy
Roller derby Standard Policy
Roller hockey Standard Policy
Roller skating Standard Policy
Rounders Standard Policy
Rowing Standard Policy
Rugby (Leage/Union) Standard Policy
Running / walking (less than ultra distance) Standard Policy
Running of the bulls (spectator) Standard Policy
Safari tours Standard Policy
Sail boarding Standard Policy
Sailing Standard Policy
Salsa dancing Standard Policy
Sandboarding Standard Policy
Sandskiing Standard Policy
Scooter riding Standard Policy
Scrambling (up to 19,685 feet/6,000 meters) Standard Policy
Scuba diving (to 165 feet/50 meters) Standard Policy
Scuba diving (unqualified/learn to dive course/discover dive with qualified instructor) Standard Policy
Scuba diving to 50 metres Standard Policy
Sculling Standard Policy
Sea canoeing Standard Policy
Sea kayaking Standard Policy
Segway polo Standard Policy
Segway tours Standard Policy
Shooting (rifle range / sports) Standard Policy
Skateboarding (ramp, half pipe, skate park, street) Standard Policy
Skeleton Standard Policy
Ski joring Standard Policy
Skidoos Standard Policy
Skiing (cross country/nordic skiing on marked trails) Standard Policy
Skiing (dry slope) Standard Policy
Skiing (on piste or off piste within resort boundaries) Standard Policy
Skiing (power assisted skiing) Standard Policy
Skiing (snowblading) Standard Policy
Sledding/Snow Sleds/Snow Sleighs (on snow) Standard Policy
Sleigh rides Standard Policy
Snooker Standard Policy
Snorkelling Standard Policy
Snow biking Standard Policy
Snow kiting Standard Policy
Snow mobiling Standard Policy
Snow rafting Standard Policy
Snowboarding (on piste or off piste within resort boundaries) Standard Policy
Snowboarding (dry slope) Standard Policy
Snowshoeing Standard Policy
Soccer Standard Policy
Softball Standard Policy
Spearfishing Standard Policy
Speed boating Standard Policy
Speed flying Standard Policy
Speed trials Standard Policy
Sports coaching paid or volunteer (ball sports, surfing, swimming) Standard Policy
Squash Standard Policy
Stand up paddle surfing/paddle boarding Standard Policy
Stilt walking Standard Policy
Stoolball Standard Policy
Surf boat rowing Standard Policy
Surfing Standard Policy
Swimming Standard Policy
Swimming with whales/whale sharks Standard Policy
Table tennis Standard Policy
Target Shooting Standard Policy
Tchoukball Standard Policy
Teaching (paid or volunteer work) Standard Policy
Ten pin bowling Standard Policy
Tennis Standard Policy
Theme parks / fairgrounds Standard Policy
Tobogganing Standard Policy
Trail bike riding Standard Policy
Trail running (up to 19,685 feet/6,000 meters) Standard Policy
Trampolining Standard Policy
Tree Climbing (trees up to 10 meters) Standard Policy
Trekking (up to 19,685 feet/6,000 meters) Standard Policy
Triathalon (less than ultra-distance) Standard Policy
Tubing on rivers Standard Policy
Tubing on snow Standard Policy
Tuk Tuk (as a passenger) Standard Policy
Ultimate frisbee Standard Policy
Unicycling Standard Policy
Volleyball Standard Policy
Volunteering (childcare, teaching, environmental, wildlife or animal care, WWOOF) Standard Policy
Wake skating Standard Policy
Wakeboarding Standard Policy
Walking (up to 19,685 feet/6,000 meters) Standard Policy
War games (online gaming) Standard Policy
Water polo Standard Policy
Water skiing Standard Policy
Weight training Standard Policy
White water kayaking Standard Policy
White water rafting Standard Policy
Wildlife and animal care (paid or volunteer manual work) Standard Policy
Windsurfing Standard Policy
WWOOFing (general farm work, fruit picking, manual work) Standard Policy
Yachting Standard Policy
Yoga (class, alone/home practice) Standard Policy
Yoga (yoga teacher) Standard Policy
Yungas Road (Death Road) Standard Policy
Zip line Standard Policy
Zorbing Standard Policy

For the full original list, updates, and World Nomad’s fine print (Terms and Conditions) please visit World Nomad’s full list of covered adventure sports.

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ADVENTURE SPORTS COVERED UNDER WORLD NOMADS EXPLORER POLICY

Sport Covered By
Abseiling (indoor or outdoor up to 22,965 feet/7,000 meters) Explorer Policy
Aviation Explorer Policy
Ballooning Explorer Policy
Bobsled (in snow) Explorer Policy
Bouldering or soloing (up to 22,965 feet/7,000 meters) Explorer Policy
Bull riding Explorer Policy
Camping (up to 22,965 feet/7,000 meters) Explorer Policy
Cave diving (to 165 feet/ 50 meters) Explorer Policy
Cavern diving (to 165 feet/ 50 meters) Explorer Policy
Caving/spelunking/potholing Explorer Policy
Cliff diving Explorer Policy
Cliff jumping Explorer Policy
Construction or renovation work (paid or volunteer manual work painting, using power tools, labourer, operating machinery, roadwork, working at height) Explorer Policy
Deep water soloing Explorer Policy
Deepelling (up to 22,965 feet/7,000 meters) Explorer Policy
Diving Explorer Policy
Fly by wire Explorer Policy
Flying (as a passenger while stunt flying, performing aerobatics) Explorer Policy
Flying (as a pilot or crew of any aircraft) Explorer Policy
Free diving (to 60 meters) Explorer Policy
Free soloing Explorer Policy
Hang gliding Explorer Policy
Heli-skiing / boarding Explorer Policy
High Wire Explorer Policy
Hiking or tramping (up to 22,965 feet/7,000 meters) Explorer Policy
Horse riding (rodeo) Explorer Policy
Hot air ballooning Explorer Policy
Ice climbing (up to 22,965 feet/7,000 meters) Explorer Policy
Jet pack Explorer Policy
Lifeguarding Explorer Policy
Martial arts (cage fighting, mixed martial arts, kick boxing, Muay Thai) Explorer Policy
Medical and health care paid or volunteer work (health education, medical services, medical practitioner) Explorer Policy
Motocross Explorer Policy
Motor racing (driver or passenger in a motor sport show, race, competition or rally) Explorer Policy
Mountaineering, high altitude climbing or expeditions (up to 22,965 feet/7,000 meters) Explorer Policy
Outdoor endurance / multi-sport (ultra distance or more) Explorer Policy
Paid or volunteer high risk work (offshore, underground or caves, commercial diving) Explorer Policy
Parachuting Explorer Policy
Paragliding Explorer Policy
Parapenting Explorer Policy
Potholing Explorer Policy
Rap jumping (indoor or outdoor up to 22,965 feet/7,000 meters) Explorer Policy
Rapelling (indoor or outdoor up to 22,965 feet/7,000 meters) Explorer Policy
Rickshaw Run Explorer Policy
Rock climbing (outdoor up to 22,965 feet/7,000 meters) Explorer Policy
Running / walking (ultra marathon or more) Explorer Policy
Running of the bulls (with the bulls) Explorer Policy
Scrambling (up to 22,965 feet/7,000 meters ) Explorer Policy
Scuba diving – paid or volunteer instructor or guide (to 165 feet/50 meters) Explorer Policy
Scuba diving (Cave or cavern diving to 165 feet/ 50 meters) Explorer Policy
Scuba diving (commercial to 165 feet/50 meters) Explorer Policy
Shark cage diving (to 165 feet/50 meters) Explorer Policy
Ski instructor or guide (paid or volunteer) Explorer Policy
Skiing (acrobatics, free-style, jumping, flying, stunting) Explorer Policy
Skiing (backcountry/outside of resort boundary/alpine ski touring) Explorer Policy
Skiing (by helicopter/snow cat) Explorer Policy
Skiing (racing) Explorer Policy
Skiing (terrain park within resort) Explorer Policy
Skiing with a miniwing (speed riding) Explorer Policy
Skydiving Explorer Policy
Skydiving from hot air balloon Explorer Policy
Snowboarding (acrobatics, free-style, jumping, flying, stunting) Explorer Policy
Snowboarding (backcountry/outside of resort boundary/alpine ski touring) Explorer Policy
Snowboarding (by helicopter/snow cat) Explorer Policy
Snowboarding (racing) Explorer Policy
Snowboarding (terrain park within resort) Explorer Policy
Snowboarding instructor or guide (paid or volunteer) Explorer Policy
Spelunking (caving) Explorer Policy
Stunt flying Explorer Policy
Tandem skydiving Explorer Policy
Tough Mudder Explorer Policy
Trapeze Explorer Policy
Trekking (up to 22,965 feet/7,000 meters) Explorer Policy
Triathalon (ultra-distance or more) Explorer Policy
Tuk Tuk (racing, hire without licensed driver, Rickshaw Run) Explorer Policy
Via ferrata Explorer Policy
Volunteering (medical, health care, construction, renovation projects, NGO support, disaster relief) Explorer Policy
War games (military simulation) Explorer Policy
Wingsuit flying Explorer Policy
Acrobatics (gymnastics or trapeze) Standard and Explorer Policy
Aerial safari Standard and Explorer Policy
Aerobics Standard and Explorer Policy
Air guitar Standard and Explorer Policy
Airsoft Standard and Explorer Policy
American football (Gridiron) Standard and Explorer Policy
Angling Standard and Explorer Policy
Archery Standard and Explorer Policy
Athletics Standard and Explorer Policy
ATVs Standard and Explorer Policy
Au Pair / Nanny (paid or volunteer childcare) Standard and Explorer Policy
Backpacking Standard and Explorer Policy
Badminton Standard and Explorer Policy
Ballet Standard and Explorer Policy
Ballroom dancing Standard and Explorer Policy
Banana boat rides Standard and Explorer Policy
Barefoot water skiing Standard and Explorer Policy
Baseball Standard and Explorer Policy
Basketball Standard and Explorer Policy
Bicycle polo Standard and Explorer Policy
Bicycle touring Standard and Explorer Policy
Bikepacking Standard and Explorer Policy
Black Water Rafting (grades 1 – 5) Standard and Explorer Policy
BMX (on road / off road / on track / cross country) Standard and Explorer Policy
Boating Standard and Explorer Policy
Bobsled (non-snow track) Standard and Explorer Policy
Bobsleigh Standard and Explorer Policy
Bowling (lawn, ten-pin, nine-pin, candlepin, duckpin and five-pin bowling, bowls, pétanque & boules) Standard and Explorer Policy
Boxing (gym or outdoor training) Standard and Explorer Policy
Broomball (hockey) Standard and Explorer Policy
Bungee/Bungy jumping Standard and Explorer Policy
Bushcraft Standard and Explorer Policy
Bushwalking Standard and Explorer Policy
Butoh Standard and Explorer Policy
Camel riding / trekking Standard and Explorer Policy
Camping (up to 19,685 feet/6,000 meters) Standard and Explorer Policy
Canoeing Standard and Explorer Policy
Canyon swing Standard and Explorer Policy
Canyoning Standard and Explorer Policy
Capoeira Dancing Standard and Explorer Policy
Cave tubing (grades 1 – 5) Standard and Explorer Policy
Caving (sightseeing/tourist attraction) Standard and Explorer Policy
Cheerleading Standard and Explorer Policy
Clay pigeon shooting Standard and Explorer Policy
Competing at international events as a national representative Standard and Explorer Policy
Cricket Standard and Explorer Policy
Croquet Standard and Explorer Policy
Cruising (crewing on a cruise ship) Standard and Explorer Policy
Cruising (passenger on a cruise ship) Standard and Explorer Policy
Curling Standard and Explorer Policy
Cycle touring Standard and Explorer Policy
Dance (ballet, ballroom, capoeira, salsa, interpretive dance) Standard and Explorer Policy
Darts Standard and Explorer Policy
Deep sea fishing Standard and Explorer Policy
Disc golfing Standard and Explorer Policy
Dirt boarding Standard and Explorer Policy
Dodge ball Standard and Explorer Policy
Dog sledding Standard and Explorer Policy
Dragon boating Standard and Explorer Policy
Dune buggy Standard and Explorer Policy
Elephant riding / trekking Standard and Explorer Policy
Environmental or conservation work (paid or volunteer manual work) Standard and Explorer Policy
Equestrian activities Standard and Explorer Policy
Fell running / walking Standard and Explorer Policy
Fencing Standard and Explorer Policy
Fishing (deep sea, inland, ice fishing) Standard and Explorer Policy
Fitness training Standard and Explorer Policy
Floorball Standard and Explorer Policy
Flying (as a passenger in a glider or ultralight) Standard and Explorer Policy
Flying (as a passenger in a private, licensed scheduled or chartered aircraft or helicopter) Standard and Explorer Policy
Football (soccer) Standard and Explorer Policy
Frisbee Standard and Explorer Policy
Fruit picking (paid or volunteer WWOOFing, general farm work, manual work) Standard and Explorer Policy
Glacier walking (up to 19,685 feet/6,000 meters) Standard and Explorer Policy
Gliding Standard and Explorer Policy
Go karting Standard and Explorer Policy
Golf Standard and Explorer Policy
Gridiron Standard and Explorer Policy
Gym training (aerobics, spinning, zumba, body pump, weight training, cross training, crossfit) Standard and Explorer Policy
Gymnastics Standard and Explorer Policy
Handball Standard and Explorer Policy
High diving up to 10 meters Standard and Explorer Policy
Hiking or tramping (up to 19,685 feet/6,000 meters) Standard and Explorer Policy
Hockey Standard and Explorer Policy
Horse riding (equestrian, dressage, show jumping, eventing, polo) Standard and Explorer Policy
Horse riding (leisure, social, bare back, non-competitive riding) Standard and Explorer Policy
Hospitality, bar work (paid or volunteer manual work) Standard and Explorer Policy
Hunting (excluding big game) Standard and Explorer Policy
Hurling Standard and Explorer Policy
Hydrofoiling Standard and Explorer Policy
Hydrospeeding (grades 1-5) Standard and Explorer Policy
Ice fishing Standard and Explorer Policy
Ice hockey Standard and Explorer Policy
Ice Skating Standard and Explorer Policy
Indoor skydiving Standard and Explorer Policy
In-line skating Standard and Explorer Policy
Jet boating Standard and Explorer Policy
Jet skiing Standard and Explorer Policy
Kayaking Standard and Explorer Policy
Kite boarding (on land or water) Standard and Explorer Policy
Kite buggy Standard and Explorer Policy
Kite flying Standard and Explorer Policy
Kite surfing Standard and Explorer Policy
Kite wing Standard and Explorer Policy
Korfball Standard and Explorer Policy
Lacrosse Standard and Explorer Policy
Land surfing Standard and Explorer Policy
Lawn bowling Standard and Explorer Policy
Martial arts (Judo, karate) Standard and Explorer Policy
Martial arts (non contact) Standard and Explorer Policy
Microflight Standard and Explorer Policy
Mongol Rally Standard and Explorer Policy
Moped riding Standard and Explorer Policy
Motorcycling (no coverage for motorcycle) Standard and Explorer Policy
Motor biking (on or off road, trail bike riding) Standard and Explorer Policy
Motor biking (pillion passenger) Standard and Explorer Policy
Motor racing experience (passenger only) Standard and Explorer Policy
Mountain biking Standard and Explorer Policy
Netball Standard and Explorer Policy
Obstacle course/assault course/trim trail Standard and Explorer Policy
Office work (paid or volunteer clerical, non-manual work) Standard and Explorer Policy
Orienteering Standard and Explorer Policy
Outdoor endurance / multi-sport (less than ultra distance) Standard and Explorer Policy
Outrigger canoeing Standard and Explorer Policy
Outward Bound Standard and Explorer Policy
Paddle boarding Standard and Explorer Policy
Paint balling Standard and Explorer Policy
Parasailing Standard and Explorer Policy
Parascending (over land) Standard and Explorer Policy
Parkour Standard and Explorer Policy
Polar Plunge Standard and Explorer Policy
Power lifting Standard and Explorer Policy
Quad biking Standard and Explorer Policy
Racquetball Standard and Explorer Policy
Rambling Standard and Explorer Policy
Raquet ball Standard and Explorer Policy
Retail work (paid or volunteer shop assistant / store manager, general retail, manual work) Standard and Explorer Policy
Rifle range/sports shooting Standard and Explorer Policy
Riverboarding (grades 1-5) Standard and Explorer Policy
Rock climbing or bouldering (indoor) Standard and Explorer Policy
Rock fishing Standard and Explorer Policy
Roller blading Standard and Explorer Policy
Roller derby Standard and Explorer Policy
Roller hockey Standard and Explorer Policy
Roller skating Standard and Explorer Policy
Rounders Standard and Explorer Policy
Rowing Standard and Explorer Policy
Rugby (Leage/Union) Standard and Explorer Policy
Running / walking (less than ultra distance) Standard and Explorer Policy
Running of the bulls (spectator) Standard and Explorer Policy
Safari tours Standard and Explorer Policy
Sail boarding Standard and Explorer Policy
Sailing Standard and Explorer Policy
Salsa dancing Standard and Explorer Policy
Sandboarding Standard and Explorer Policy
Sandskiing Standard and Explorer Policy
Scooter riding Standard and Explorer Policy
Scrambling (up to 19,685 feet/6,000 meters) Standard and Explorer Policy
Scuba diving (to 165 feet/50 meters) Standard and Explorer Policy
Scuba diving (unqualified/learn to dive course/discover dive with qualified instructor) Standard and Explorer Policy
Scuba diving to 50 metres Standard and Explorer Policy
Sculling Standard and Explorer Policy
Sea canoeing Standard and Explorer Policy
Sea kayaking Standard and Explorer Policy
Segway polo Standard and Explorer Policy
Segway tours Standard and Explorer Policy
Shooting (rifle range / sports) Standard and Explorer Policy
Skateboarding (ramp, half pipe, skate park, street) Standard and Explorer Policy
Skeleton Standard and Explorer Policy
Ski joring Standard and Explorer Policy
Skidoos Standard and Explorer Policy
Skiing (cross country/nordic skiing on marked trails) Standard and Explorer Policy
Skiing (dry slope) Standard and Explorer Policy
Skiing (on piste or off piste within resort boundaries) Standard and Explorer Policy
Skiing (power assisted skiing) Standard and Explorer Policy
Skiing (snowblading) Standard and Explorer Policy
Sledding/Snow Sleds/Snow Sleighs (on snow) Standard and Explorer Policy
Sleigh rides Standard and Explorer Policy
Snooker Standard and Explorer Policy
Snorkelling Standard and Explorer Policy
Snow biking Standard and Explorer Policy
Snow kiting Standard and Explorer Policy
Snow mobiling Standard and Explorer Policy
Snow rafting Standard and Explorer Policy
Snowboarding (on piste or off piste within resort boundaries) Standard and Explorer Policy
Snowboarding (dry slope) Standard and Explorer Policy
Snowshoeing Standard and Explorer Policy
Soccer Standard and Explorer Policy
Softball Standard and Explorer Policy
Spearfishing Standard and Explorer Policy
Speed boating Standard and Explorer Policy
Speed flying Standard and Explorer Policy
Speed trials Standard and Explorer Policy
Sports coaching paid or volunteer (ball sports, surfing, swimming) Standard and Explorer Policy
Squash Standard and Explorer Policy
Stand up paddle surfing/paddle boarding Standard and Explorer Policy
Stilt walking Standard and Explorer Policy
Stoolball Standard and Explorer Policy
Surf boat rowing Standard and Explorer Policy
Surfing Standard and Explorer Policy
Swimming Standard and Explorer Policy
Swimming with whales/whale sharks Standard and Explorer Policy
Table tennis Standard and Explorer Policy
Target Shooting Standard and Explorer Policy
Tchoukball Standard and Explorer Policy
Teaching (paid or volunteer work) Standard and Explorer Policy
Ten pin bowling Standard and Explorer Policy
Tennis Standard and Explorer Policy
Theme parks / fairgrounds Standard and Explorer Policy
Tobogganing Standard and Explorer Policy
Trail bike riding Standard and Explorer Policy
Trail running (up to 19,685 feet/6,000 meters) Standard and Explorer Policy
Trampolining Standard and Explorer Policy
Tree Climbing (trees up to 10 meters) Standard and Explorer Policy
Trekking (up to 19,685 feet/6,000 meters) Standard and Explorer Policy
Triathalon (less than ultra-distance) Standard and Explorer Policy
Tubing on rivers Standard and Explorer Policy
Tubing on snow Standard and Explorer Policy
Tuk Tuk (as a passenger) Standard and Explorer Policy
Ultimate frisbee Standard and Explorer Policy
Unicycling Standard and Explorer Policy
Volleyball Standard and Explorer Policy
Volunteering (childcare, teaching, environmental, wildlife or animal care, WWOOF) Standard and Explorer Policy
Wake skating Standard and Explorer Policy
Wakeboarding Standard and Explorer Policy
Walking (up to 19,685 feet/6,000 meters) Standard and Explorer Policy
War games (online gaming) Standard and Explorer Policy
Water polo Standard and Explorer Policy
Water skiing Standard and Explorer Policy
Weight training Standard and Explorer Policy
White water kayaking Standard and Explorer Policy
White water rafting Standard and Explorer Policy
Wildlife and animal care (paid or volunteer manual work) Standard and Explorer Policy
Windsurfing Standard and Explorer Policy
WWOOFing (general farm work, fruit picking, manual work) Standard and Explorer Policy
Yachting Standard and Explorer Policy
Yoga (class, alone/home practice) Standard and Explorer Policy
Yoga (yoga teacher) Standard and Explorer Policy
Yungas Road (Death Road) Standard and Explorer Policy
Zip line Standard and Explorer Policy
Zorbing Standard and Explorer Policy

For the full original list, updates, and World Nomad’s fine print (Terms and Conditions) please visit World Nomad’s full list of covered adventure sports.

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ADVENTURE SPORTS EXCLUDED FROM WORLD NOMAD’S COVERAGE

Base jumping Excluded
Mountain guide (mountaineering; rock climbing instructor or guide using ropes or specialist equipment) Excluded
Mountaineering, high altitude climbing or expeditions (over 22,965 feet/7,000 meters, unsupported or solo expeditions, exploratory expeditions or new routes) Excluded

For the full original list, updates, and World Nomad’s fine print (Terms and Conditions) please visit World Nomad’s full list of covered adventure sports.

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Things Keep in Mind when Weighing World Nomads Standard vs. Explorer Coverage

  • Existing issues (rash, injuries, etc.) from before your coverage period will not be covered.
  • If you are under the influence of drugs or alcohol, your issue/accident will likely not be covered, so act accordingly
  • If you ride a motorbike without a helmet or under the influence of drugs or alcohol as driver or passenger, any related accident or injuries will most likely not be covered, so act accordingly
  • For general global assistance, while covered under World Nomads, contact the following numbers for assistance
    • General Global Assistance: +1 954-334-8143 or +1 877-289-0968
  • Keep all of the following with you when you travel, to make getting assistance as easy as possible
    • Contact number for World Nomads
    • A contact number you can be reached at
    • Your designated emergency contacts and their phone numbers/contact information
    • Your policy number
    • A copy of your passport

Common Trip Issues: Are they Covered under World Nomads?

  • Theft: Violent and petty crime, including loss of your belongings due to no fault of your own and emergency medical coverage, may be covered under your World Nomads policy, so check the fine print.
  • Muggings/robbery/Assault: Covers ambulance transportation, hospitalization, day surgery, outpatient treatment, medications, extra expenses to travel home caused by the incident
  • Motorbike accidents: Emergency medical for injuries is covered as long as you were wearing a helmet, riding legally, and not intoxicated
  • Adventure sports accidents: Adventure and sport-related accidents (Surf accidents, trekking accidents, etc.) are covered on a sport by sport and activity by activity basis in accordance with the coverages of your chosen policy (standard vs. explorer)
  • Illness: Unexpected illness, such as travelers diarrhea, Bali belly, Dengue, etc., or illnesses common to your destination region are commonly covered – along with treatment, hospitalization, and evacuation flights if necessary – confirm to make sure by reading your polic
  • Animal Issues: Bites, attacks, and the follow on emergency treatment are generally covered in World Nomads policies
  • Emergency medical treatment:
  • Emergency medical evacuation: Emergency medical evacuation is covered when recommended by a doctor and preapproved by World Nomads’ 24/7 support team and covers air ambulance, Medevac flights, sea level airlift, helicopter evacuation, and ground ambulance
  • Political evacuation
  • Delayed baggage: When baggage is delayed more than 12 hours, your policy covers purchase of essentials so you can continue your travels
  • Trip delay: Airline flight delays of 6 hours or more trigger trip delay coverage and your coverage will trigger reimbursement for basic expense you have to pay additionally due to the delay in addition to compensation for non-refundable or prepaid portions of the trip forfeited due to the delay.
  • Scams: Unfortunately, common scams pulled on travelers likely are not covered by World Nomads insurance, however, if theft or assault has occurred, file a police report and contact World Nomads for help
  • Travel accidents: Motorbike accidents (while driving legally and responsibly) and adventure sports accidents are covered generally, but confirm coverage levels and activities in your chosen policy

Note: This is a quick summary of coverages to help in your research however, please visit **World Nomads information** as policies vary in coverage based on chosen coverages and your home country.

Other issues covered by World Nomads (list case plus example)

  • Terrorist attacks: Hospitalization, emergency care, medical transport home, trip interruption and travel cancellation
  • Emergency dental (overseas): Such as broken tooth, an infection or a injury to your mouth or jaw.  General checkups and routine medical (fillings, implants, etc.) are not covered
  • Overseas medical: For unexpected medical issues, such as illness, motorbike accidents, or animal attacks, World Nomads covers hospitalization, outpatient medical treatment, prescribed medicines, X-rays, lab tests, and transportation home if required.  Additionally, World Nomads has a 24 hour multi-lingual support team to guide you through treatment and confirm your next actions are covered.
  • COVID-19

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Review of World Nomads Coverage Limits and Coverage Explanations

World Nomads coverage is extensive and great for most travelers. However, you need to understand the primary coverages and coverage limits to be sure World Nomads in general is right for you.

Trip Cancellation Coverage

  • Explorer Plan: $10,000
  • Standard Plan: $2,500

If a covered emergency causes you to miss your trip, World Nomads’ trip cancellation coverage will reimburse you for any pre-paid, nonrefundable trip costs such as transportation, accommodation, and tours.

Common covered emergencies include sickness or illness, natural disasters, terrorism, and transportation industry strikes.

Emergency Medical Insurance Expenses

If you get sick or injured while you’re traveling, World Nomads will cover hospitalization, outpatient treatment for emergencies, necessary labs and X-rays, and transport home if medically necessary

World Nomads emergency medical coverage limits are:

  • Explorer Plan: $100,000
  • Standard Plan: $100,000

Emergency Medical Evacuation and Transportation and Medical Repatriation

Medical evacuation covers transporting a patient to a hospital or treatment center to respond to a medical emergency and in order to be treated.

Medical repatriation covers transporting a patient back home at the recommendation of a doctor due to injuries or illness.

Both medical evacuation and medical repatriation are covered under World Nomads with the following coverages:

  • Explorer Plan: $500,000
  • Standard Plan: $300,000

Protecting Your Gear: Does World Nomads cover your personal belongings?

Yes, World Nomads covers against loss, theft, or damage to your bags and belongings with limits of $3,000 for the Explorer and $1,000 for the Standard Plan

  • Explorer Plan: $3,000
  • Standard Plan: $1,000

World Nomads, Cancel For Any Reason (CFAR) Travel Insurance Explained

Cancel For Any Reason travel insurance is any travel insurance with a clause or option that allows you to cancel your policy after you have already purchased it and receive a refund.

World Nomads does not allow you to cancel a policy after it has been “used” or started, however, World Nomads insurance has a cooling-off period of 21 days from the purchase of the policy that allows you to cancel for any reason your planned coverage and receive a refund of 100% of the premium and fees you paid.

In order for your cancellation to qualify for World Nomads’ Cancel for Any Reason (before traveling) clause, you must not have started your policy and you must not have used your policy. 

“You must not have used your policy” according to World Nomads means:

  • you haven’t travelled under your policy or started your trip; and 
  • you have not made a claim and do not intend to make a claim; and 
  • you are not exercising any other right under the policy.  

If all of these conditions apply, and you are within 21 days of your policy purchase date, you can cancel for any reason and receive a refund – whether your vacation dates from work have changed, you found a better destination, you decided to stay longer where you’re at, or your fear of travel simply kicked in, you’ll be covered.

Click here to learn more about how to cancel your World Nomads policy for any reason

24/7 emergency assistance

World Nomads maintains a multi-lingual team available 24/7 to advise you in responding to travel issues and emergencies and to approve use of major coverages, such as medical evacuation or repatriation.

To contact the World Nomads team, keep these numbers handy – General Global Assistance: +1 954-334-8143 or +1 877-289-0968

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World Nomads Age limits: Under 70 Years Old

You need to be under 70 years old to qualify for a World Nomads policy.

What isn’t covered under World Nomads insurance

  • Preexisting conditions
  • Accidents that occur while using or under the influence of drugs or alcohol
  • Trip delays that are caused by a situation you are
  • Any situation that occurs before the policy has started
  • Injuries resulting from a fight you started with someone or placed yourself in danger
  • Injuries from riding a motorbike without a helmet or under the influence of drugs or alcohol
  • Lost baggage replacement items that are clearly higher value than the lost items
  • Routine medical, anything that happens because of taking drugs or alcohol, preexisting conditions, non-emergency treatment, care or treatment that can be covered under any other insurance
  • Routine dental, general checkups, cosmetic dental work, major dental work such as dentures, implants, bridges, non-emergency dental
  • Non-emergency issues
  • Accidentally leaving your gear behind
  • Items stolen due to negligence
  • Medications prescribed before your trip
  • Items stolen if there is no theft or loss report from the police or authorities
  • Continuation of medical care at home
  • Any loss related to illegal behavior or activities
  • Trip delay or interruption due to not having an appropriate passport, visa, or fulfilled entry requirements at your destination
  • Personal delays resulting in missing a flight
  • Accidents resulting from participating in a sport or activity not explicitly covered under the chosen policy
  • Search and rescue missions
  • Claims that lack “proper documentation”
  • Evacuation and emergency not authorized by World Nomads

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What Next? Is World Nomads coverage right for you?

World Nomads is fantastic insurance, from my experience. Whether you’re adventuring through the Andean mountains of South America and the Himilayas, or diving in the beautiful waters of Southeast Asia, World Nomads coverage has proven reliable enough (for myself and other travelers) that it is very much worthwhile.

However, if you’re a young, nearly broke backpacker on a budget (or a quietly frugal millionaire), is World Nomads right for you?

Honestly, if you are in a travel period wherein you’re not heading to the highest heights or the lowest depths of the planet, you still need travel insurance, however, there are other, better, and cheaper options available.

If you are not adventuring hard at the moment, and have a credit card that can cover your emergency medical expenses in the short term (to be repaid by your travel insurance later) there are other, cheaper travel insurances available that are just as practical.

I highly recommend reading our Safety review, which shares everything you need to know about this travel insurance for nomads that costs roughly $1 per day.

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