A Guide to Travel Insurance for Adventure Travelers

Before your trip

Travel insurance is so confusing already. And when you are taking adventure holidays there are even more factors to take into consideration. This article includes information on what your plan should include and when you should buy.

Imagine you’re part way through your self-drive tour of Scotland and you find out your father is in the hospital. You land and are ready to take on Everest Base Camp, but your luggage not only doesn’t land with you, but it’s lost. You’re biking through the Douro Valley ready for a break at the next winery, and instead you crash and hurt yourself. Imagine you don’t have travel insurance. Now imagine that you do, and instead of paying through the nose for emergency flights home, new gear or medical treatment, you are covered. The latter scenario feels much better, yes? Adventure travel may involve taking some risks, but they can be calculated risks.

person cycling on road distance with mountain during daytime

Instead of believing it can’t happen to you, as many people tend to, the best thing to be is prepared by purchasing travel insurance. Travel insurance is there to assist you financially. Here are some scenarios in which travel insurance pays off:

  • The airline loses your luggage
  • You’re mugged or robbed
  • A natural disaster occurs, causing a delay or cancellation of your travel plans
  • You miss a connecting flight through no fault of your own
  • You are hurt or get sick and require emergency medical attention
  • A family member at home gets sick or (heaven forbid) dies

If you are an adventure traveler, travel insurance is even more vital. You have a greater chance of injury, particularly when in engaging in extreme activities. You may find yourself in remote locations - out on the trail for instance - where cancellations and delays are more common and more disruptive, and where healthcare is less accessible.

woman spreading her hands white standing on mountain cliff

Travel insurance can also be a blessing if there is some kind of emergency back home – an accident, illness or death in the family, for example. If you’re like me, with aging parents, this coverage is particularly important.

What Should Your Plan Include?

It is important to (ie. YOU MUST) read the fine print and ensure that you fully understand what coverage is offered, as each travel insurance provider and plan is different. You want to be sure your coverage includes:

  • Trip cancellation
  • Baggage delays and damage
  • Theft
  • Trip delays or interruptions (be sure to read over what reasons will be covered)
  • Repatriation – covers the cost of evacuation to a medical facility, or medical transportation to return home
  • Medical expenses
  • Accidental death and dismemberment

In determining the best plan, and if you will need any additional coverage, you will want to review your itinerary – consider how long you will be gone, where you are going, what activities you will be doing, and what equipment you will be bringing along.

If you have a pre-existing condition, know that many travel insurance companies won’t cover this. In this case, it’s worth considering purchasing additional coverage.

When should you purchase?

In many cases you can get travel insurance plans right up until the day before you leave, you are best off purchasing your insurance as early as possible, even at the same time or immediately following booking your trip. This way you are covered in case something unexpected happens prior to departure.

person walking in the middle of grass field

As far as recommendations, I do sell travel insurance. Contact me with any specific questions and the most current information related to travel insurance plans. You can connect via shariblock@findyourhappytravels.com

Beyond travel insurance, one of the other things that helps me stay safe and taken care of during my travels is having the right apps on hand.

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Shari Block

Shari Block

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