Adventure travel insurance can save you thousands when things don’t go to plan.
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Whether you twist a knee and need to be helicoptered out, or have a canceled flight.
Here’s what to look for and why we recommend HeyMondo.
Choosing the right travel insurance coverage can be confusing. That’s why we recommend HeyMondo (get a 5% discount for being a Monkeys and Mountains reader), especially for hiking and adventure trips. These types of trips often require additional insurance and we have experience with HeyMondo (get a 5% discount for being a Monkeys and Mountains reader) being fair – not trying to come up with reasons to deny your claim as some other insurance companies.
So whether you’re diving in South Africa, skiing in Colorado, hotair ballooning or hiking the epic Tour du Mont Blanc, you’ll have peace of mind in case the worst happens.
Whether you’re into extreme activities or doing a leisurely coastal hike in Croatia, make sure that your travel insurance policy covers these essentials:
✔ Medical coverage
You can’t always avoid getting sick or injured when traveling. Even a simple case of “the runs” can turn into something far more serious in a short time. The last thing that you want is to be stuck in a bad hospital or unable to cover the medical expense. That’s why you should always opt for good medical coverage on your travel insurance.
✔ Emergency medical evacuation
If you love getting out into the mountains or other remote destinations, good medical evacuation coverage is a must. There are plenty of horror stories about hikers having to spend thousands of dollars to be airlifted out. An injury like a sprained knee can end up being a nightmare. Good adventure travel insurance avoids the stress of wondering ‘what if’ while you enjoy your adventure.
✔ Baggage Loss
Your travel insurance plan should cover lost or stolen baggage and gear. Some policies cover specific gear like cameras, GPS devices and sports equipment. Also, look for a package that includes 24-hour travel assistance. Incidents like lost passports or stolen money can happen at any time – including outside of office hours.
✔ Last-minute trip cancellation insurance
Even the best-laid plans for a vacation can be spoilt by circ*mstances outside of your control. By ensuring you have coverage for trip cancellation you’ll be able to recoup most if not all the costs of your trip. Note: read the travel policy carefully to ensure that your reason for covering the trip is a valid one for your insurance.
✔ Coverage for emergencies at home means you have to end your vacation sooner than planned
We all dread these phone calls and hope that we never receive them. But in addition to having to deal with a death in the family or family emergency, you don’t want to also have to pay thousands extra to change your flight, so ensure that you’re covered.
✔ International coverage for pandemics
A pandemic can wreak havoc with your travel plans. Ensure that your travel policy covers this – many don’t.
✔ 24/7 Emergency assistance in case of an accident
Recommended Reading: The Best Books to Read Before You Travel.
24 hour medical assistance, 365 days a year, including in case of Covid infection and medically prescribed PCR tests during your trip.
Extended Stays
Extra lodging expenses due to medical quarantine are covered when testing positive and prescribed by a doctor if it prevents you from returning home on the scheduled date.
Cover for non-refundable expenses
Cancellation in case of serious illness or death of the insured person or a family member due to Covid-19, in policies that include the trip cancellation guarantee.
Heymondo assistance app
24 hour medical chat, free emergency assistance calls and incident management in the palm of your hand.
Related Reading: Group Travel: How to Cope When You Don’t Fit In.
5 Reasons We Love WorldNomads.com Adventure Travel Insurance
Value for money with the coverage you need Get value for money with the coverage that you require with WorldNomads.com. Yes, you’ll find cheaper policies but these often leave out some of the key features mentioned above.
Flexibility when you need it most Had a change of plans? You can buy more coverage or claim online while you are still away. Purchase aHeyMondo (get a 5% discount for being a Monkeys and Mountains reader) policy if you’re already traveling.
Cover for a range of adventure activities It offers coverage for a wide variety of adventurous activities including skiing in the Alps, rafting in Colorado, and mountain climbing in Nepal.
Receive travel safety alerts You’ll get access to up-to-date travel safety alerts. That’s, in addition, to travel safety advice and tips online through the HeyMondo (get a 5% discount for being a Monkeys and Mountains reader).
Fun additional features You can learn the local lingo through a series ofiPod & iPhone Language Guides. Plus they make it easy to stay in touch with family and friends with an online travel journal.
Not having travel insurance can cost you thousands in unforeseen expenses. Fortunately, this is easily preventable by purchasing the right adventure travel insurance.
Note: All of the information provided about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
By taking out travel insurance you are essentially covering yourself against travel risks such as lost or stolen luggage, cancellation cover (should you not be able to travel due to unexpected medical or personal reasons) and most importantly, unexpected medical costs abroad.
Travel insurance helps protect you when unexpected things happen before or during trips. Unlike other insurance coverages you may be required to have, travel insurance is completely your call. You decide whether to purchase it.
If your trip is canceled for a covered reason, a policy will often reimburse airline tickets, hotel rooms, rental cars, tours, cruises and other prepaid, non-refundable expenses.
Because sometimes, even expert travelers need a little help. One of the best reasons to buy travel insurance is the peace of mind you get from knowing help's just a phone call away. When you face a crisis while traveling—a medical emergency, a lost passport, a stolen wallet, a natural disaster, etc.
Travel insurance can minimize the considerable financial risks of traveling: accidents, illness, missed flights, canceled tours, lost baggage, theft, terrorism, travel-company bankruptcies, emergency evacuation, and getting your body home if you die. What are the chances you'll need it? Hard to say.
When Is Travel Insurance Not Necessary? You generally don't need travel insurance if you're not putting down large non-refundable trip deposits, or if your U.S. health plan will cover you at your destination.
When to buy travel insurance can depend on the trip or trips you're taking and the kind of policy you choose to suit them. Usually, though, it's best to get cover in place for your holiday as soon as you've booked or made a financial commitment to it.
We named Nationwide travel insurance as our pick for the most coverage reimbursed. It offers 100% trip cancellation coverage and up to 200% trip interruption protection, depending on your plan choice. Nationwide also provides some of the best policies for cruise ship passengers, based on our review.
Cancellation cover is a common inclusion with most standard travel insurance policies, but you can take it out separately if it doesn't offer enough cover. Alternatively, if you only want cancellation cover to protect you against cancelled flights rather than baggage protection, you can get it for that.
A travel plan will usually include any travel issues which need to be addressed, details of how people travel to the site, an action plan, a specific car reduction target and details of how the travel plan will be monitored and reported on. Generally, travel plans focus on the journey to work.
Insurance helps to protect you and your family against unexpected financial costs and resulting debts or the risk of losing your assets. Insurance helps protect you from expensive lawsuits, injuries and damages, death, and even total losses of your car or home.
Vacation policies are guidelines provided by employers that outline the requirements for using vacation time. It details important aspects of vacation time, including requirements for requesting time off and how many days employees are given for paid time off of work.
Travel insurance can cover replacing your baggage and valuables if they're lost, damaged or stolen. Some insurers will also help you organise a replacement while you're away if you need it urgently. Expensive items may cost you more to insure. Think about what you're taking with you.
Travel insurance is coverage designed to protect against risks and financial losses that could happen while traveling. The risks range from minor inconveniences such as missed airline connections and delayed luggage all the way to more serious issues including injuries or major illness.
Without Travel Insurance, these costs would have been a drain on your pocket. By reimbursing such non-refundable expenses, Travel Insurance protects your finances.
Travel insurance can give you extra protection if your holiday doesn't go as planned. So you should make sure you have cover if you're planning a trip away.
Generally, most domestic health insurance policies are not accepted abroad, so there is a benefit to purchasing travel medical insurance as a supplement to your health insurance coverage. The travel medical coverage is only valid while you're traveling.
Factors such as total trip costs, coverage levels, travel destinations, traveler ages and trip payments can affect the price of a travel insurance policy. According to our research, the average cost of travel insurance is $204, but you could pay anywhere between $14 and $765 for travel insurance.
Introduction: My name is Geoffrey Lueilwitz, I am a zealous, encouraging, sparkling, enchanting, graceful, faithful, nice person who loves writing and wants to share my knowledge and understanding with you.
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