General Information

Adventure Travel Insurance

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Question from Lonely Plant’s Thorn Tree travel forum

Travel Insurance for Trekking in Nepal

I’m leaving for a trek in Nepal next week and “get travel insurance” has been neglected on my to-do list. What are your recommendations? World Nomads is recommended by Lonely Planet, but had some pretty poor reviews on claims on the web. Travel Guard is recommended by Intrepid Travel and is about half the price. I’m not worried that much about price–more about getting good health care in an emergency or getting lost gear replaced. Would love recommendations.  – amaxoxo

Squaremouth’s Response

When planning a vacation that involves hiking, trekking, mountaineering, backpacking or camping, it is wise to look closely before buying a travel insurance policy. Some plans are designed specifically for this type of adventure travel, while other travel insurance plans have additional coverage that can be added.

Two policies that offer this type of protection are Travel Guard’s Adventure Travel Protection and Travelex’s Travel Select with the Adventurer Lifestyle Pak upgrade.

The Adventure Travel Protection policy by Travel Guard provides trip cancellation, trip interruption, $25,000 in medical and $500,000 in medical evacuation. If more medical coverage is desired, travelers have the option to increase coverage to $50,000 in medical and $1,000,000 medical evacuation. The policy covers up to $2,500 in sports equipment and personal items loss, with the option to upgrade to $5,000 in coverage.

Travelex’s Travel Select covers hazardous sports with the Adventurer Lifestyle Pak upgrade. Trip cancellation, trip interruption, $50,000 in medical and $500,000 in medical evacuation are included in this policy. Travelers are provided up to $1,000 in baggage and personal items loss, and are also reimbursed up to $600 for renting sporting equipment if their own sporting equipment is lost, stolen, damaged or delayed.

If a travel insurance plan does not offer specific coverage for adventure travel or hazardous sports, double check the plan’s exclusions, as those activities might not be covered.  Always refer to the certificate of insurance for details.