Nomad Insurance Essential description of coverage
View PDFThis is the latest version of the policy. If you are a member, check your dashboard or to find the policy version that applies to your plan.
Below are all the areas this Insurance will cover you when this Insurance is active (your benefits). Each section is a condition of this Insurance with a clear title, a description of what is covered which clearly sets out when we will pay. All your benefits will also be limited by other sections of this description of coverage, especially important is the section called “What is not covered?”. This is why we encourage you to read the whole description of coverage.
For covered sports, you are covered for attending classes, solo training, attending private lessons and informal training with a group.
Important conditions:
If you are a professional athlete or an instructor, you are not covered while practicing, publicly performing or teaching your sport or activity.
The sport or activity cannot involve a professionally organized practice or intention to compete.
There can be no wage, reward or profit connected to you doing the sport or activity.
You are not covered for exploratory expeditions, for example in, Antarctica, the Arctic Circle or Greenland.
You are only covered when using certified, official paths. You are not covered when going off-path, off-trail and off-course, or when going on unauthorized paths.
You must ensure the sport or activity is adequately supervised and that appropriate safety equipment (such as helmet, life jackets etc.) are worn and used, according to what each sport or activity requires.
You must wear a helmet during the use of a moped or a motorcycle
You must have an appropriate, valid license or certification where required (for e.g., aviation, scuba diving [PADI/NAUI/SSI/BSAC], motorized vehicle).
Any sport or activity at elevations of 4,500 meters altitude or higher is not covered except as described under [Add-on] Adventure sports.
The list of covered sports and activities is not exhaustive but is intended to help you get a picture of what is covered.
If an activity is not listed, we will assess and determine coverage based on the risk of the activity and whether similar sports are covered in that category.
With this add-on, your coverage is extended to include a wider range of sports and activities, in addition to those already covered under the base plan.
You are still not covered for professional, organized or rewarded sports, or for expeditions. You are still required to ensure your safety.
Excluded in home country.
To see examples of sports that are covered check out our FAQ.
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 6000 meters
- 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
Up to $100,000 in your lifetime (lifetime max).