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Nomad Insurance Essential (Updated Version): Which sports and activities does this plan apply to?

Learn which sports and activities are covered or not covered under this plan.

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.

The base plan refers to the Essential plan without the Adventure Sports add-on. You can purchase the Adventure Sports coverage for certain adventure sports!

Important conditions

To determine whether an activity is covered, ALL of the following conditions must be met:

Step 1: Activity Type

The activity must fall under the included sports or activities in the base plan or Adventure Sports add-on.

Step 2: Participation Format (Required)

Coverage applies only if the activity is done as one of the following:

  • Solo training

  • Attending classes

  • Private lessons

  • Informal group training

Step 3: Exclusions (Any "Yes" = Not Covered)

The activity must not be:

  • Professional (If you are a professional athlete or instructor, you are not eligible for coverage 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 connected to your participation in the activity.)

  • An expedition (You are not covered while exploring remote or inaccessible areas, participating in exploratory expeditions, or attempting new routes or activities—for example, in Antarctica, the Arctic Circle, or Greenland.)

  • Conducted without reasonable safety precautions (You must ensure the sport or activity is properly supervised and that all appropriate safety equipment (such as helmets or life jackets) is used.)

Anything not listed as a covered sport or activity is not guaranteed to be eligible for coverage, even if it does not appear on the non-covered list. Whether or not coverage applies to a specific situation and activity can only be determined by the claims team once a claim has been submitted.

If there is a sport that you may be interested in the future but it is not listed, let us know, and we will consider adding it in our next policy update. We appreciate your help in improving our terms to better meet our members' needs!

What is and isn't covered

Sports and activities that are eligible with the base plan, without the Adventure Sports add-on:

  • Airsoft

  • Angling

  • Archery

  • Badminton

  • Ballooning

  • Ballet

  • Banana boating

  • Baseball

  • Basketball

  • Bicycle touring

  • Bodyboard

  • Bowling

  • Bungee jumping

  • Bushwalking

  • Camel riding/trekking

  • Camping

  • Canoeing

  • Canyon swing

  • Canyoning

  • Capoeira dancing

  • Cave tubing

  • Cheerleading

  • Clay pigeon shooting

  • Cricket

  • Curling

  • Cycling (including touring and organized tours)

  • Deep-sea fishing

  • Dirt boarding

  • Dog sledding (not racing or competing)

  • Fell running / walking

  • Fencing

  • Fishing

  • Flatwater rafting

  • Flying as a passenger

  • Flying fox

  • Freediving

  • Glacier walking

  • Golf

  • Gymnastics

  • Handball

  • Hand plane

  • Hiking

  • Horse riding

  • Hot air ballooning as a passenger

  • Human gyroscope

  • Hunting (excluding big game)

  • Hydrospeeding

  • Ice skating (indoor or outdoor)

  • Ice climbing under 4,500 meters altitude

  • Jet boating

  • Jet skiing

  • Kayaking

  • Land surfing

  • Moped and motorcycle with an engine capacity up to 50cc

  • Mountain biking

  • Netball

  • Orienteering

  • Paintballing

  • Paipo board

  • Pala

  • Pilates

  • Rambling

  • Rap jumping

  • Racquetball

  • Rifle range shooting

  • Rock climbing (not covered if solo)

  • Roller blading

  • Roller skating

  • Rounders

  • Rowing/sculling

  • Safari tours

  • Sailing

  • Sandboarding

  • Sand skiing

  • Sea canoeing

  • Sea kayaking

  • Skateboarding

  • Skiing (not covered off-piste and/or against the advice of the local ski school or local authoritative body)

  • Skydiving indoors

  • Sleigh rides

  • Sledding

  • Snorkelling

  • Snow rafting

  • Snowboarding (not covered off-piste and/or against the advice of the local ski school or local authoritative body)

  • Soccer

  • Softball

  • Speed boating

  • Squash

  • Stand-up paddleboarding

  • Stilt walking

  • Surfing

  • Swimming

  • Table tennis

  • Tai Chi

  • Ten-pin bowling

  • Tennis

  • Trail bike riding

  • Trekking

  • Tubing

  • Tubing on snow

  • Tuk tuk

  • Ultimate frisbee

  • Via ferrata

  • Volleyball

  • Wake skating

  • Wakeboarding

  • Walking

  • Water skiing

  • Waterpolo

  • Weightlifting, cardio, and classes at the gym (note that training for or attending a powerlifting competition is excluded)

  • Wind-foiling

  • Windsurfing

  • Wind tunnel flying

  • Wing-foiling

  • Yachting

  • Yoga

  • Zip line

  • Zorbing

Sports and activities that are not eligible with the base plan, but are eligible with the Adventure Sports add-on:

  • Acrobatics

  • American football

  • Aussie rules football

  • Aviation

  • Bicycle touring over 4,500 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

  • Lacrosse

  • Luge

  • Martial arts

  • 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

Sports that are not eligible for coverage at all, with or without the Adventure Sports add-on:

  • All-terrain vehicles (ATV)

  • Base jumping

  • Big game hunting

  • Cliff jumping

  • Heli-skiing

  • Heli-gliding

  • Hot air ballooning as a pilot

  • Any activity at elevations of 6,000 meters in altitude or higher

  • 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 the intention of attending a competition)

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

  • Running with the bulls

  • Skiing/snowboarding off-piste (outside prepared and marked in-bound territories) and/or against the advice of the local ski school or local authoritative body

  • Sky surfing

  • Tractors

  • Whitewater rafting above Grade 3

🗻 🚁 Please note: For any high-altitude sports, helicopter evacuation from the mountain is not included in the coverage.

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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