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.
Your Adventure Travel Insurance Checklist
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 circumstances 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.
Our Recommended Travel Insurance Provider: HeyMondo
24/7 worldwide assistance
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 a HeyMondo (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 of iPod & 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.