Simply have to climb Mont Blanc, the highest mountain in the Alps, soon? Got a caving and kayak trip in Thailand on your bucket list? What about a Colorado river rafting expedition through the Grand Canyon in your own country?
Unfortunately, in nearly every travel insurance plan, you’ll see exclusionary language like this:
The following exclusion applies to all coverages:
mountain climbing, bungee cord jumping, skydiving,
parachuting, hang gliding, parasailing or travel on
any air supported device, other than on a regularly
scheduled airline or air charter company;
That exclusion was copied out of Travelex’s very popular Travel Select plan, but this type of language is nearly universal in all travel insurance plans. In fact, in Travel Guard’s most popular plan – the Gold plan – you’ll see this language under General Exclusions:
This plan does not cover any loss caused by or resulting from:
mountaineering where ropes or guides are normally used.
The ascent or descent of a mountain requiring the use of
specialized equipment, including but not limited to pick-axes,
anchors, bolts, crampons, carabineers, and lead or top-rope
So what is the average thrill-seeking adventure traveler to do?
Check out Travel Guard’s unique Adventure plan. It’s ideal for those who enjoy experiencing extreme adventures anywhere around the world. It covers all the benefits you expect in a high-quality travel insurance package plan, and a few extras for the adventure traveler:
- Enhanced lost baggage coverage up to $2,500 – in case your gear is stolen en route and you have to replace it.
- Enhanced baggage delay coverage up to $1,500 – in case your gear goes somewhere else and you have to get started on your adventure right away.
- High medical evacuation coverage – up to $500,000 – in case something does happen and you need medical care.
- Enhanced travel assistance services with comprehensive help for adventurers, including weather and travel advisories, help finding the next trail, closure and detour information.
- This plan even includes roadside assistance and reimbursement for license fees if you have to cancel your trip.
Adventurer travelers can also add some options to their travel insurance package, depending on their needs and the risks involved with their trip:
- Upgraded medical coverage limits (the base plan has $25,000, which may not be enough if you are outside your home country).
- Upgraded flight guard AD&D (the base plan has $10,000, which may not be enough).
- Optional car rental coverage and upgraded sports equipment coverage.
This is only a brief description of the coverage(s) available.
The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.