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

This article applies to the older Nomad Insurance Essential plan version effective September 2025. If you are not sure which plan version you are under, please check with our Customer Care team.

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

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!

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

Step 1: Activity Type
The activity must fall under 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 which 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!

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

  • Angling

  • Archery

  • Aviation (only when traveling solely as a passenger in a commercial aircraft)

  • Badminton

  • Ballooning

  • Baseball

  • Biking (included touring and organized tours)

  • Bowling

  • Bungee jumping

  • Bushwalking

  • Camel riding / trekking

  • Camping under 4 500 meters altitude

  • Canoeing

  • Canyon swing

  • Canyoning (Canyoneering)

  • Capoeira dancing (Capoeira)

  • Clay pigeon shooting

  • Cricket

  • Cycling under 4 500 meters altitude

  • Deep sea fishing

  • Dirt boarding

  • Dog sledding (not racing or competing)

  • Fell running / walking

  • Fencing

  • Fishing

  • Flying as a passenger

  • Glacier walking under 4 500 meters altitude

  • Golf

  • Gymnastics

  • Hiking under 4 500 meters altitude

  • Horse riding

  • Hot air ballooning as a passenger

  • Hunting (excluding big game)

  • Ice skating (indoor or outdoor)

  • Ice climbing under 4 500 meters altitude

  • Jet boating

  • Jet skiing

  • Kayaking

  • Land surfing

  • Moped biking (less than 50cc, you need the adventure sports add-on if the engine size is over 50cc)

  • Mountain biking under 4 500 meters altitude

  • Netball

  • Orienteering

  • Paintballing

  • Rambling

  • Rap jumping

  • Rifle range shooting

  • Rock climbing

  • Roller blading

  • Roller skating

  • 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)

  • Sleigh rides

  • Sledding

  • Snorkelling (Snorkeling)

  • Snow rafting

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

  • Soccer

  • Speed boating

  • Squash

  • Stand up paddle surfing

  • Stilt walking

  • Surfing

  • Swimming

  • Table tennis

  • Ten pin bowling

  • Tennis

  • Trail bike riding

  • Trekking under 4 500 meters altitude

  • Tubing

  • Tubing on snow

  • Ultimate frisbee

  • Via ferrata under 4 500 meters altitude

  • Volleyball

  • Wake skating

  • Wakeboarding

  • Walking

  • Water skiing

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

  • Windsurfing

  • 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

  • American Football

  • Aussie Rules Football

  • Aviation

  • Bobsleigh

  • Boxing

  • Cave Diving

  • Free-style skiing

  • Hang gliding

  • High diving

  • Ice Hockey

  • Karting

  • Kite-Surfing (Kite Surfing)

  • Martial arts

  • Luge

  • Motorbiking (driving or riding as a passenger on motorbike over 50cc)

  • Motorized dirt bikes

  • Mountaineering at elevations under 6000 meters altitude

  • Parachuting

  • Parasailing

  • Paragliding

  • Quad biking

  • Rugby

  • Ski / snowboard jumping

  • Ski-flying

  • Skiing / snowboard acrobatics

  • Skydiving

  • Skeleton

  • Snow Mobile

  • Spelunking

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

  • Tandem skydiving

  • Tobogganing

  • Whitewater rafting

  • Wrestling

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

  • All-Terrain Vehicles (atv)

  • Base Jumping

  • Big Game Hunting

  • Cliff diving

  • Heli-Skiing

  • Heli-gliding

  • Hot Air Ballooning as a Pilot

  • Any activity at elevations of 4500 meters altitude or higher (apart from mountaineering at elevations under 6000 meters altitude with the Adventure Sports add-on

  • Outdoor Endurance Events

  • Powerlifting (lifting at max weight with the intention of attending a competition)

  • Racing by any Animal or Motorized Vehicle or BMX or Speed Trials and Speedway

  • Running with the bulls

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

  • 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

  • Scuba diving (except Scuba diving accompanied by an instructor certified by PADI/NAUI/SSI/BSAC which is eligible with the Adventure Sports add-on)

  • Tractors

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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