Overview
Pros & Cons
Plans & Coverage
Cost of Plans
The Bottom Line
What You Need To Know About
Detour
Detour Insurance is an innovative travel insurance provider founded in 2021 by and for adventurers. Their plans – @the edge and @the edge plus – cover various sports and activities, including well-rounded benefits and high coverage limits, up to $100,000 for medical emergencies and $500,000 for emergency evacuation.
Detour Travel Insurance provides budget-friendly travel insurance options, including coverage for adventure activities and travel to high-risk destinations. Their policies are underwritten by Nationwide Mutual Insurance Company, ensuring reliable backing for travelers. Detour maintains an AM Best rating of A+ (Superior), reflecting strong financial stability. Customer ratings are favorable, averaging 4.2 out of 5, with users appreciating the affordability and essential coverage options.
Our Take: Detour Travel Insurance stands out for its flexible coverage and competitive pricing. Its comprehensive policies offer broad protection for travelers of all kinds, while features like sporting equipment coverage make it a smart choice for adventure-seekers. Although some customer feedback indicates areas for improvement with claims processing, its user-friendly policies and robust customer service make it a solid choice for peace of mind.
Detour At-a-Glance
- Plans built specifically for adventure and sports travel
- Offers up to $1,000,000 in Medical Evacuation coverage
- Provides extensive Travel Delay protection, up to $2,000
- One of the top-rated providers for pre-trip customer service
- The claims process may require more documentation compared to competitors
- Limited trip cancellation and trip interruption reimbursement
Check out what travelers like you think about Detour:
Ready to explore your options? Compare Detour plans against other top providers.
Find The Plan That's Right For You
Detour offers plans for every traveler—explore its plans to choose the best plan for your trip.
| Plan | Avg. Premium | Medical | Evacuation & Repatriation |
Trip Cancellation | Trip Interruption | CFAR Option |
|---|---|---|---|---|---|---|
| @the edge * | $110.61 | $100,000 | $1,000,000 | 100% of the trip cost | 100% of the trip cost | |
| @the edge plus * | $132.58 | $100,000 | $1,000,000 | 100% of the trip cost | 100% of the trip cost |
* The average premium is calculated using the last 12 months of sales, inclusive of trip cancellation, for consumers ages 20 to 59, with a trip cost between $5,000 - $9,999. This information is provided to illustrate directional pricing difference between plans.
Compare All Plan DetailsDetour vs. The Competition:
How It Stacks Up
What's the best provider? That depends on your trip. Choosing the right one can save you thousands. Here's how Detour stacks up.
| 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
|
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. | Backed by BCS Insurance Company and Jefferson Insurance Company. |
How Much Will A Detour Plan Cost For Your Trip?
Take a look at how the average cost of Detour's policies compares to similar plans from other top providers.
* The average premium is calculated using the last 12 months of sales, including trip cancellation, for consumers ages 20 to 59, with a trip cost between $5,000 - $9,999.
The Bottom Line:
Is Detour Worth It?
Detour was founded in 2021 and is operated by adventurers who live the lifestyle and understand the rewards and risks associated with experiential travel. They offer coverage that matches the spirit of exploration. With two budget-friendly plans, @the edge and @the edge plus, Detour ensures travelers are protected whether embarking on high-energy sports or leisurely trips. The policies provide high coverage limits of up to $100,000 for medical emergencies and $500,000 for evacuation, ideal for adventurers needing significant medical coverage. Customers give it a thumbs-up for affordability and essential benefits, making Detour a reliable choice for travel peace of mind.
Contact Information for Detour Insurance
Customer Service: 1-877-390-4293
Hours of Operation:
Monday through Friday 8:30 AM - 5:00 PM EST
Claims Phone: 727-483-7744
Claims Hours of Operation:
Monday through Friday, 8:30 AM to 5:00 PM EST
Mail to:
Detour Insurance
c/o Attention: Co-ordinated Benefit Plans, LLC On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies
P.O. Box 26222
Tampa,
Florida
33623
Emergency Assistance:
Inside USA: 877-318-6891
Outside USA: 603-328-6307
Claims Email: NWTravClaims@cbpinsure.com
Fax: 1-800-560-6340
Provider Claims Website: Please click here