Let's assume you'd rather spend money on gear for the journey than insurance, so make sure to compare pricing for your coverage. And since you may be exploring for a while, look at long-term coverage. One-way ticket, anyone?
Travel Medical Plan
Put your mind (and your family) at ease by purchasing a comprehensive trip insurance policy. They cover just about anything that could go wrong, including medical and other travel emergencies.
Long Term, Flexible Plans
Retirees and empty nesters tend to use their increased freedom to travel, and often it makes sense to buy a policy that covers multiples trips. No need to waste time buying insurance over and over.
Many travel medical plans, unlike comprehensive plans, don't include additional coverage like trip delay or baggage coverage by default, often making them more affordable. Spend your money where it counts.
Provides coverage for unexpected medical bills incurred through injury or illness during your trip. This is crucial, as these costs can really add up quickly and are rarely anticipated financially.
For Example, You’re trekking through Nepal and get elevation sickness; medical expense coverage would reimburse you for your medical costs paid out of pocket at a local hospital.
Consider adding special coverage called a sports rider for participation in any extreme sports. It provides additional medical coverage for generally excluded activities such as mountain climbing, skiing, bungee jumping, or whitewater rafting — the really fun stuff.
Example: While whitewater rafting in Chile, you’re thrown from the raft, hitting a rock, and break your arm. With the adventure sports rider, you’d be reimbursed for both medical expenses and evacuation expenses from the small Chilean town to the nearest hospital.
Sport Rental Coverage
If your recreational equipment is delayed, damaged, stolen, or lost, you’d be reimbursed for rental gear so you can keep climbing, paddling, jumping, or whatever you’re there to do.
Example: You’re ready to hit the slopes in Canada, but the snowboard you shipped ahead of you has yet to arrive. Sport rental coverage would reimburse you for the cost to rent a snowboard from the resort until your board joins you, making sure you don’t miss out on any fresh powder.
Trip Cancellation and Interruption Coverage
Provides reimbursement of your trip cost (such as airfare, hotel, tour deposits) if your trip is cancelled or interrupted due to a covered, unforeseen reason.
Example: You’ve booked an amazing seven-day coasteering trip in Ireland with friends. A few days before you would depart, you fall extremely ill. Since your policy included Trip Cancellation and Interruption coverage, you’ll be reimbursed for your trip cost if you decide adventure travel isn’t wise in your condition.