Detour Travel Insurance

Overview of Detour Travel Insurance

Detour Insurance is a U.S.-based travel insurance provider that specializes in providing comprehensive coverage for adventure travelers. The company was founded in 2021 by travelers and outdoor enthusiasts who wanted to create plans that addressed the unique challenges and risks involved in active, experience-driven travel. Today, it offers a growing portfolio of policies that include benefits and coverage limits designed to provide complete protection for travelers participating in extreme sports while away from home.

Detour currently offers three unique policies on our platform. These plans provide some of the most expansive adventure activity coverage available, covering more than 400 unique sports and activities. Each plan also includes high medical and evacuation coverage limits, ensuring you’re protected if your adventure takes an unexpected turn for the worse.

Detour Insurance is also known for its low premiums, and currently has the most affordable comprehensive travel insurance policies on our platform.

Is Detour a Good Travel Insurance Company?

Yes, Detour Insurance is an excellent provider. While they may not have been around as long as other insurers on the market, they have built a strong reputation as a reliable, reputable travel insurance company.

Detour policies are underwritten by Nationwide Mutual Insurance Company and Axis Insurance Company, two well-established carriers with strong financial backing. All Detour policies hold an A.M. Best rating of A (Excellent), which signifies the provider’s ability to fulfill its claim obligations.

The provider is highly rated by travelers for customer satisfaction and demonstrates a strong commitment to addressing customer concerns. This commitment has awarded them an A+ rating from the Better Business Bureau (BBB).

Our Take: If you’re planning an adventure trip that involves high-risk activities, Detour Insurance is one of your strongest options. The provider clearly prioritizes coverage where it matters most for active travelers, offering protection for more than 400 sports and activities, generous primary medical benefits, high medical evacuation limits, and rare inclusions like Search & Rescue coverage. Detour Insurance also offers among the most budget-friendly comprehensive travel insurance plans, making it a great option if you’re looking for great value trip protection without the bells and whistles.

All of Detour’s plans have similar coverage for key benefits like Emergency Medical, Medical Evacuation, Travel Delay, and Baggage Loss. However, if you have high upfront trip costs you wish to insure, we recommend Detour’s Access plan since it covers up to $30,000 in prepaid, non-refundable trip costs per person. This is three times higher than the next tier plan.

It’s important to note that Detour Insurance does not cover pre-existing medical conditions or offer the Cancel For Any Reason (CFAR) upgrade. If customization is important to you, it may be worth considering other options.

Detour Travel Insurance Customer Satisfaction Ratings

As noted on Detour’s website, the provider focuses on providing all policyholders with personalized customer service and emergency assistance services. Below are reviews from customers who have rated Detour Insurance to date, sharing their experience with the provider before, during, and after their trips.

Detour Insurance currently holds an overall customer satisfaction rating of 4.48 out of 5 stars. This high rating is headlined by the level of customer service Detour provides before a trip, scoring 4.57 out of 5 in this category. Providers that score well in this category typically do a great job at answering coverage-related questions, guiding travelers towards the right tier of coverage, and helping customers make policy modifications.

Another strong point is the provider’s claims support, an area where most travel insurance companies typically receive their lowest ratings. Customers report that claims are resolved quickly, with Detour noting on their website that claims typically take just 15 days to process. For comparison, most travel insurance providers take 4–6 weeks to process claims.

Check out what travelers like you think about Detour:

Pros & Cons of Detour Travel Insurance

Detour Insurance is known for its adventure-focused travel policies, making it a strong choice for active travelers who want coverage for accidents or types of disruptions. Each Detour plan covers more than 400 adventure sports and activities, the most of any provider on our platform. Plans also include a variety of adventure-specific benefits, such as Search & Rescue coverage, which is relatively uncommon among travel insurers.

Detour’s policies are also attractive for their affordability and strong medical coverage, offering great value to budget-conscious travelers. So, even if you’re not an adventurer, you can still benefit from the savings its policies provide. All plans feature up to $100,000 in Primary Emergency Medical coverage and up to $1,000,000 in Medical Evacuation coverage, which is suitable coverage for trips that involve remote destinations and high-risk activities. All Detour plans also feature up to $3,000 in Baggage Loss coverage, the highest coverage limit for this benefit available on Squaremouth.

On the downside, Detour’s plans provide limited Trip Cancellation and Trip Interruption coverage compared to other providers, which may be a concern if your trip involves significant non-refundable expenses. For example, the provider’s popular @the edge caps its reimbursement for trip cancellations at $5,000 per person. Additionally, none of Detour’s plans cover pre-existing medical conditions, which may be a deal-breaker if you have an existing health issue that may flare up during your trip.

Ready to explore your options? Compare Detour plans against other top providers.

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Which Detour Plan is Best for My Trip?

There are currently three comprehensive travel insurance policies from Detour Insurance available on Squaremouth. These plans are all fairly similar when it comes to benefits and coverage limits.

The subtle differences between each policy can be found below:

As mentioned, Detour’s plans have a lot in common. Using the chart above, you can see that all plans feature the same Emergency Medical and Medical Evacuation coverage. In addition, each Detour plan also features the following:

• Up to $2,000 in Travel Delay coverage for delays that exceed 12 hours
• Up to $750 in Baggage Delay coverage for delays that exceed 12 hours
• Up to $3,000 in Baggage Loss coverage
• $10,000 in Search & Rescue coverage
• Up to $50,000 in 24 Hour AD&D coverage

The key difference between each plan involves the coverage limits for Trip Cancellation and Trip Interruption benefits, which are listed below:

• @the edge: Covers up to $5,000 in prepaid, non-refundable trip costs
• @the edge plus: Covers up to $10,000 in prepaid, non-refundable trip costs
• Access: Covers up to $30,000 in prepaid, non-refundable trip costs

The best plan for you will largely depend on your budget and the amount of travel expenses you wish to insure. We recommend that you purchase a policy that covers all of your prepaid trip costs. That way, you don’t suffer financially if your trip is cancelled for a reason outside of your control.

Compare All Plan Details

Compare Detour to Other Travel Insurance Companies

Comparing plans and providers is the best way to get the best coverage for your upcoming trip. See how Detour Insurance stacks up against other top-rated travel insurance providers.

Plan Features
Overall Coverage	Broad coverage, with options for customization	Broad coverage, with options for customization
Cost	Moderate pricing with flexible plan options	Moderate pricing with flexible plan options
Customer Rating	4.5 Very Good 220 Reviews	4.5 Very Good 208 Reviews
AM Best Rating	A (Excellent)	A (Excellent)
Unique Benefits	Sporting equipment coverage	Sporting equipment coverage
Insurance Partners	Backed by Nationwide Mutual Insurance Company and Axis Insurance Company.	Backed by BCS Insurance Company and Jefferson Insurance Company.

How Much Does Detour Travel Insurance Cost?

Detour Insurance is well-known for its incredible value, offering reliable trip insurance coverage and relatively low premiums. The chart below shows how Detour’s average premiums compare to other providers on our platform.

With an average premium around $125, Detour Insurance currently offers the most budget-friendly comprehensive travel insurance on the Squaremouth marketplace. While most comprehensive plans cost between 4% and 10% of a traveler’s prepaid, non-refundable trip costs, Detour plans typically range between 2% and 3%. This can be attributed to the provider’s ‘no-frills’ approach to trip protection, offering little in the way of customizing your covered trip costs.

Despite below-average premiums, Detour manages to still provide high-quality, dependable travel insurance coverage to its customers. When you factor in the adventure benefits, high medical coverage limits, and high customer satisfaction rating, it can be hard to find better protection at this price point.

Detour Customer Satisfaction Ratings vs. Competitors

Detour Insurance is among the highest-rated travel insurance providers on our platform. While they’re relatively new to the market, Detour Insurance has earned a reputation for delivering exceptional customer service from the time you purchase a policy to the moment you complete your claim.

With an overall customer satisfaction score of 4.48 out of 5, Detour ranks as the fourth-highest-rated travel insurance provider on Squaremouth. The provider maintains among the highest of any provider on Squaremouth marks for claims support, offering reportedly quick turnaround times to customers seeking reimbursement for a covered event.

Like all providers on Squaremouth, our expert product team carefully vets each Detour Insurance policy listed on our site to ensure they meet our high-quality standards. Each Detour plan is also backed by our Zero Complaint Guarantee, which ensures all claims are handled fairly and with integrity.

Is Detour Travel Insurance Worth Buying for My Adventure Trip?

Yes, Detour Insurance is absolutely worth buying if your trip involves adventure activities and you’re looking for strong protection at an affordable price point.

Detour stands out on the Squaremouth marketplace for offering the most extensive adventure activity coverage available, offering coverage for more than 400 sports and activities across all plans. This makes it an excellent fit if you plan to ski, dive, trek, climb, or participate in other high-risk or nontraditional activities that are often excluded by standard travel insurance. Features like Search & Rescue coverage, high primary emergency medical limits, and $1,000,000 in medical evacuation coverage further reinforce Detour’s value for adventure-focused trips.

Another key reason Detour is worth considering is its exceptional affordability. With average premiums typically ranging between 2% and 3% of prepaid trip costs, Detour offers some of the most budget-friendly comprehensive travel insurance available. Detour plans can be a great option, particularly if you have low upfront travel expenses that fall within the respective Trip Cancellation coverage limit.

Despite the lower price, the provider maintains strong customer satisfaction ratings, particularly for claims support, with claims reportedly processed much faster than the industry average.

That said, Detour is not the best fit for every traveler. Its plans offer limited Trip Cancellation and Trip Interruption coverage, do not cover pre-existing medical conditions, and lack certain conveniences like Missed Connection coverage and CFAR upgrades. If your primary concern is protecting a high-dollar trip investment or ensuring coverage for existing health conditions, you may want to compare additional providers.

Alternatives to Detour Travel Insurance

Detour Insurance isn’t the only provider known for its adventure coverage. If you can’t find a Detour plan that fits your needs, consider coverage from one of these popular insurers.

Tin Leg is currently the highest-rated travel insurance provider on Squaremouth and offers plans well-suited for adventure trips. Its Adventureplan, specifically, also covers more than 400 sports and activities and up to $50,000 in prepaid travel expenses per person.

battlefaceis a unique travel insurance provider that allows adventurers to build their own policy from the ground up. Its popular Discoveryplan covers over 200 sports and activities, and is one of the few providers with an average premium of less than $200 for comprehensive coverage.

IMGis consistently one of the top-selling travel insurance providers on Squaremouth. While its plans are not specifically built for adventure travelers, IMG’s iTravelInsured Travel LX plan is one of the only other policies that provide reimbursement for search and rescue missions.

Frequently Asked Questions about Detour Travel Insurance

Are Detour’s plans comprehensive?

Yes, all three of Detour’s plans are considered comprehensive. Each plan includes protection against cancellations, medical emergencies, delays, and luggage-related issues.

How many sports and activities does Detour cover?

Detour provides the most extensive sports and activity coverage on Squaremouth, protecting travelers across more than 400 activities, from popular sports like skiingand scuba diving to extreme adventures like Grade 5 white-water rafting.

Is Detour the best option for adventure travel insurance?

Detour Insurance is certainly one of the strongest options for adventure travelers, and is one of the few companies that designs policies specifically to cover high-risk itineraries. Other top adventure providers include Tin Leg and battleface.

See our full list of the Best Adventure Travel Insurance Plans.

Do Detour plans cover worldwide travel?

Yes, Detour Insurance offers trip protection both domestically and abroad. Detour’s policies include up to $100,000 in primary Emergency Medical coverage and up to $1,000,000 in Medical Evacuation coverage, which exceeds our minimum coverage recommendations for international trips.

Does Detour offer enough medical coverage for adventurous trips?

Yes, as mentioned, Detour’s plans are known for their strong medical coverage and can offer great peace of mind to anyone planning an adventure trip. Finding an adventure travel insurance plan with high medical coverage limits is crucial when participating in high-risk activities due to the heightened risk of injury and the high cost of receiving medical attention abroad.

Does Detour offer an annual travel insurance plan?

No, Detour Insurance does not currently offer an annual travel insurance policy. If you’re looking for an annual travel insurance plan that covers adventure trips, we recommend the Multi-Trip Annual plan from battleface. Similar to Detour, battleface is known for its adventure coverage. This annual travel insurance plan provides benefits and coverage limits designed to cover travelers participating in any of the 200+ high-risk adventure sports the plan covers.

Does Detour provide 24/7 assistance?

Yes, Detour includes 24-hour Emergency Assistance with every plan. This service can assist with medical referrals, coordinating evacuations, translation services, emergency cash transfers, and more.

How do I file a claim with Detour?

Squaremouth does not handle Detour claims directly. If you need to file a claim with your provider, we recommend contacting them directly to begin the process.

Important contact information and website links can be found below.