What to Look for in Trip Insurance for Expeditions Alaska Trips

As with any insurance, the devil, and sometimes the blessing, is in the details. So read over any policy details carefully. Be sure you understand what you’re buying and what you’re not buying.

Here are a few things you want to be clear with, and a few suggestions to help you with your purchase.

1. Emergency Medical Coverage
   • High Medical Expense Limits: Ensure the policy covers substantial medical costs, as evacuations and remote care can be expensive.
   • Emergency Medical Evacuation: Look for coverage (if appropriate) that includes helicopter or airlift transport to the nearest suitable medical facility.

2. Trip Cancellation and Interruption

1. • Covers cancellations due to illness, injury, severe weather, or other unexpected events.
   • Includes reimbursement for prepaid trip costs if plans are interrupted.

3. Search and Rescue Coverage

1. • Verify the policy includes search and rescue services in remote or wilderness areas.
   • Confirm whether the coverage extends to non-medical emergencies like getting lost or stranded.

4. Adventure Activity Coverage

1. • Ensure activities like hiking, kayaking, or mountaineering are covered.
   • Some policies exclude “high-risk” activities, so verify your specific itinerary is included.

5. Baggage and Equipment Protection

1. • Coverage for lost, stolen, or delayed gear, including specialized outdoor equipment like tents, hiking gear, or cameras.
   • Check for coverage limits that align with the value of your gear.

6. Travel Delay Coverage

1. • Reimbursement for accommodations and meals if weather or logistical issues delay or cut short your itinerary.
   • Missed connection coverage if delays disrupt air travel to remote destinations.

7. Medical Repatriation

1. • Includes coverage to return you home if a serious medical issue arises during the trip.

8. 24/7 Assistance

1. • Access to a 24/7 hotline for emergencies, including medical, logistical, and legal assistance.
   • Look for policies with robust global assistance services experienced in remote locations.

9. Flexible Policy Terms

1. • Policies that allow upgrades or adjustments for changes in your travel plans or activities.

10. Pre-Existing Conditions

• Coverage that includes pre-existing medical conditions if purchased within the insurer’s specified timeframe.

Pro Tip: Share your trip details (destination, activities, and risks) with your insurer to ensure the policy meets the unique demands of a remote Alaska backcountry adventure.