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Nomad Insurance Essential (Updated Version): What is the Adventure Sports add-on?

This article applies to the updated Nomad Insurance Essential plan version effective February 2026. If you are not sure which plan version you are under, please check with our Customer Care team.

If you purchase the Adventure Sports Add-on, it extends the list of sports covered under your Nomad Insurance Essential base plan. You can find the comprehensive list of activities below. This add-on has a maximum limit of $100,000.

For included activities, coverage applies to:

  • Attending classes

  • Solo training

  • Private lessons

  • Informal group training

Coverage does not apply to:

  • Professional, organized, or rewarded sports

  • Expeditions

  • Any activity where reasonable safety precautions are not taken

Definitions and clarifications:

  • Professional: If you are a professional athlete or instructor, you are not covered while practicing your sport.

  • Organized: The activity must not involve regular or scheduled practices and must not include any intention to compete.

  • Rewarded: There must be no wage, reward, or profit associated with your participation.

  • Expeditions: Coverage does not apply to activities in remote or inaccessible areas, exploratory expeditions, or attempts at new routes or activities (for example, in Antarctica, the Arctic Circle, or Greenland).

  • Safety: The activity must be properly supervised, and all appropriate safety equipment (such as helmets or life jackets) must be used.

The cost of this add-on can be found on our pricing page.

Please note:

  • This add-on is excluded in your home country.

  • This add-on is only available at the time of purchase and can't be added to an active plan.

Adding the Adventure Sports add-on when you already have a plan

If you already have a plan but want to add this benefit, you'd need to cancel your current plan and buy a new one with the add-on.

Just remember that when you purchase a new plan, any conditions treated under your current plan will become pre-existing, and will now be excluded.

Which sports/activities are covered with the Adventure Sports add-on?

You can find the list of sports that are included with the add-on below. If you can't find your sport, don't sweat it! The sports below are additional to the base plan coverage — your activity might be included without the add-on (check the base plan list here) If you can't find your activity in either of those places, you can contact our Customer Care team.

The following sports are included with the Adventure Sports add-on:

  • Acrobatics

  • American football

  • Aussie rules football

  • Aviation

  • Bicycle touring over 4500 meters in altitude

  • Bobsleigh

  • Boxing

  • Black water rafting

  • Cave diving accompanied by an instructor certified by PADI/NAUI/SSI/BSAC

  • Cave tubing

  • Foiling

  • Free-style skiing

  • Hang gliding

  • High diving

  • Hockey

  • Karting

  • Kitesurfing

  • Martial arts

  • Lacrosse

  • Luge

  • Moped and motorcycle with an engine capacity of over 50cc

  • Motorized dirt bikes

  • Mountain boarding

  • Mountaineering at elevations under 6,000 meters in altitude

  • Parachuting

  • Parasailing

  • Paragliding

  • Paramotoring

  • Polo

  • Quad biking

  • Rugby

  • Ski/snowboard jumping

  • Ski-flying

  • Skiing/snowboarding acrobatics

  • Skydiving

  • Skeleton

  • Snow kiting

  • Snow mobile

  • Spelunking

  • Scuba diving up to the depths you or the accompanying instructor is licensed for

  • Tandem skydiving

  • Tobogganing

  • Whitewater kayaking or rafting up to Grade 3

  • Wrestling

The following sports and activities are not covered, even with the adventure add-on:

  • All-terrain vehicles

  • Base jumping

  • Big game hunting

  • Cliff jumping

  • Heli-skiing

  • Heli-gliding

  • Hot air ballooning as a pilot

  • Any activity at elevations over 6,000 meters

  • Any activity at elevations of 4,500 meters in altitude or higher (except those covered with the Adventure Sports add-on)

  • Powerlifting (lifting at max weight with intent of competition)

  • Racing by any animal, motorized vehicle, BMX, speed trials, or speedway

  • Running with the bulls

  • Skiing/snowboarding off-piste (outside marked territory or against advice of ski school/authority)

  • Sky surfing

  • Tractors

  • Whitewater rafting above Grade 3

Need Help?

Just reach out to our Customer Care Team if you have any further questions. We’d be happy to help!

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