Fans of adventure travel might be the best candidates for travel insurance, simply because there is so much that can go wrong when you to go far-off places and do crazy things with your body. Most travel insurance coverage is cheaper than most people expect so it might be worth at least seeing what a policy would cost for your trip. There are quite a few different types of travel insurance and some might be ideal for you and others are not worth considering. Here they are below so you can at least see what’s out there.
Types of travel insurance to consider
Trip Protection Insurance
Policies like this usually costs a small percentage of your overall trip, and will cover most of your non-refundable travel expenses if a crisis comes up such as: death, sickness, airline strike, travel provider going bankrupt, and many other things as well. For adventure travel in particular, we are vulnerable to some of these things. Many of the companies who specialize in this aren’t on the firmest financial footing, so this one might be a key depending on what you are up to.
Travel Medical Insurance
Many Americans don’t even have medical coverage at home, but it takes a long time for sitting on ones ass to become dangerous. If you are going to an “emerging” region or doing something that could be dangerous, this one might also be worth at least getting a quote on.
Flight/Travel Accident Insurance
This one is for when something terrible happens to your flight. Yeah, it’s mostly for peace of mind, probably more for those back home than you, but it’s cheap.
These policies cover people living outside their home country. If you are in this situation you should have some insurance somehow, and this might be the solution.
Click here to get more information or a quote on Global/Expat Insurance
Annual multi-trip Insurance
This one is ideal for long-term or RTW travelers since it covers a whole year and all the trips you take within that time. It’s much easier to get one policy than all the separate ones.
Emergency Evacuation Insurance
Just as the name indicates, this one will cover you if you need help that isn’t available where you are. Being airlifted out of a place is expensive in some places and worse in others. Depending on where you are going and what you are up to, this might be worthwhile.
Click here to get more information or a quote on Emergency Evacuation Insurance