Travel insurance designed for adventures while traveling.
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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
Whether you’re going rafting in Costa Rica, doing a multi-day hike in Iceland, or taking on the epic bike trails of New Zealand, the more you do to prepare for your adventure ahead of departure, the more enjoyable your trip is likely to be. Learning as much as you can about your route and packing the right gear is essential to have the best possible chance of having a safe, comfortable experience – especially if you’re planning something extreme like a cold-weather camping trip.
Travel insurance* is a smart move no matter what you plan to get up to, but it’s especially important if getting active outdoors is big on your itinerary. Our plans offer coverage for more than 250 adventure sports and activities ranging from hiking and snowboarding to scuba diving, rock climbing, and more.
Be sure to check your plan because your level of activity and sports coverage is subject to terms and conditions, limitations and exclusions.
The sweet anticipation of adventure can be intoxicating, but there are some practical tasks to check off before you get too excited. Before purchasing your travel insurance plan, it’s important to ensure that all the sports and activities you intend to do are covered.
All plans, including the Standard and Annual Plans, cover more than 250 activities, sports and experiences, and the Explorer and Epic Plans cover even more than that. The Explorer and Epic Plans offer coverage for more adventurous activities as well, like high altitude hiking or cliff diving. It's important that you know all the activities you may want to do before picking a plan and then making sure your level of protection covers all possible scenarios on your trip. If your plans include hiking, look up the elevations of the highest mountain you plan to climb and then purchase the plan that will cover that. You can contact us if you have questions. We can assist you with making sure you're covered for the activities you plan to do.
Oh, and if you forgot to buy travel insurance before you left home, rest assured that you can still purchase while you’re traveling. Note that a waiting period may apply for some benefits.
Once you know your chosen activities are covered, here are some of the benefits that may be available to you (up to benefit limits) if your plans are derailed:
Emergency medical and evacuation: If during your trip, you or your traveling companion becomes sick or injured, then you’ll need to contact the 24/7 Emergency Assistance team as soon as possible. The team may be able to help locate the nearest suitable medical facility or even help get you back to your home to the US if your attending physician and the 24/7 Emergency Assistance Team deems this to be medically necessary.
Trip cancellation: If you, your traveling companion or immediate family member gets sick or injured and you need to cancel your plans, we may cover prepaid and non-refundable travel expenses up to the plan limits. You’ll need to submit documentation when filing a trip cancellation claim for a covered reason listed in your plan.
Our single-trip and annual travel insurance plans all include trip cancellation coverage. Our Epic and Explorer plans also offer the optional ‘cancel for any reason’ benefit. When you get a quote, you can compare the plans side-by-side to determine which one might be right for you.
Coverage for extended stays: if you’re having a great time on your trip and choose to delay your return to the US, you may easily buy a new plan online that will cover the remainder of your trip. You can manage your plans on our member portal, which you will have access to once you purchase a plan.
Coverage for baggage and personal belongings: if your checked baggage has been delayed or lost by the airline, our non-insurance service Blue Ribbon Bags may be able to track and expedite its return so you can get on with your travels. The service covers every flight on every airline anywhere in the world, and you’ll be updated every step of the way. Simply report your delayed or lost airline bags and Blue Ribbon Bags will take it from there.
If your baggage or personal items can’t be located, or they’ve been damaged or stolen, you’ll need to submit receipts, along with police reports or an incident report from your carrier (if your belongings were lost in transit). Your coverage will vary according to your insurance plan. Read your plan for details on terms and conditions, maximum benefit limits, and exclusions of your coverage.
Travel inconvenience: not everything is predictable when you’re on the road, but if you’ve purchased an Explorer and Epic travel insurance plan, you may be covered for many of the hiccups you could encounter. If, for example, you’ve booked a ski or snowboarding trip but the resort facilities are closed during the time you are there, you may be eligible for $250 compensation. Travel inconvenience could also cover expenses related to tarmac delays, rental car breakdowns, cruise diversions and more. There is a time-sensitive period related to this benefit, so be sure to purchase your insurance plan within seven days of making the first payment or deposit towards your trip to be eligible.
It may be tempting to consider the cheapest coverage option without reading the plan wording. However, you’ll want to pick the best plan for your trip. A weekend camping trip in a neighboring state will warrant different coverage than a month-long trek through Asia. Although reading the plan documents can be a tedious task, it’s best to familiarize yourself with all the benefits, limits and exclusions before you buy.
When deciding which plan is best matched to your adventures you might want to ask yourself:
Note: please choose your plan carefully as you can’t upgrade from a Standard plan to an Explorer or Epic plan mid-trip.
Here are some examples of what is not covered under our plans. Please refer to your policy for the complete list.
Protect your hard earned vacation from unexpected cancellation.
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Take the pain out of medical or dental costs.
We’ve got your back.
We'll provide assistance to get you to the hospital or home quickly.
Help starts here.
Covers the loss, theft or damage of your bags, tech and gear.
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The amounts listed represent the maximum benefit amount.
Protect your health
Protect Your Trip
Protect Your Stuff
Non-Insurance Services
Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Wherever you are, we’re here 24/7 to help you in any emergency.
Are you in need of emergency assistance right now?
Contact Generali Global Assistance:
Telephone:
+1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada
Before your trip, check the latest government advice for any travel alerts for your destination.