Hiking is an exhilarating outdoor activity that allows nature enthusiasts to explore the world's most breathtaking landscapes. But just like any other adventure, it's crucial to ensure your safety and protect yourself from unexpected risks. This is where travel insurance comes into play. Not only does it provide financial security, but it also covers medical emergencies and flight disruptions. Imagine having your lost baggage, personal belongings, and passport expenses covered by an insurance company – it's a relief, isn't it?
With countless travel insurance options available today, selecting the right one for your hiking trip can be a daunting task. But fear not! We are here to help. In this article, we will explore the seven best travel insurance options for adventure travelers, ensuring you have a stress-free and secure journey.
Best Travel Insurance Covering Hiking in the US
1. World Nomads
Image source: Best Travel Insurance Covering Hiking
World Nomads has been a trusted name in travel insurance since 2002, making it the top choice for hikers in the USA. With its flexible and affordable plans, you can confidently explore the world with peace of mind. Whether you're embarking on a solo adventure or traveling with your family, World Nomads has got you covered. This organization offers comprehensive travel security to keep you safe and healthy.
From unexpected trip cancellations due to hospitalization or the loss of a close relative to coverage for medical or dental expenses, World Nomads provides maximum protection in various situations. Moreover, their emergency medical transportation services are unmatched, ensuring you receive the necessary care regardless of your hiking activities. Keep in mind that certain restrictions and plans apply, so it's essential to review the terms and conditions of their explorer and standard plans.
2. VisitorsCoverage Travel Insurance Solutions
Next on the list is VisitorsCoverage Travel Insurance Solutions, an outstanding travel insurance provider located in the heart of Silicon Valley. With 14 years of experience in the industry, this company is known for offering innovative solutions to all kinds of travel-related issues. If you love mountain climbing, trekking, or hiking, you can't go wrong with this brand.
Unlike the previous option, VisitorsCoverage provides extensive coverage in death cases, making it an excellent choice for those seeking AD$D or repatriation benefits. They offer thousands of mountaineering and hiking insurance plans for people across all 50 states in the US. If you're planning to climb mountains, rest assured that this insurance company covers mountaineering injuries sustained below 4,500 meters. They also provide up to $1,000,000 in emergency medical evacuation insurance and offer trip cancellation coverage.
3. INSUREANDGO Travel Insurance
InsureandGo, a scheme worth checking out for passionate hikers, has been in existence for over 20 years. They guarantee coverage for more than 50 sports activities, including hiking and trekking. With their black, gold, and silver insurance policies, you can choose the one that suits you best.
Whether you want to rearrange, cut off, or shorten your trip, InsureandGo has you covered with their trip protection coverage. They also provide coverage for altitudes up to 2000 meters, as well as medical expenses for altitudes ranging from 2000 to 6000 meters. However, any distance above 6000 meters is excluded. In addition to this, InsureandGo covers personal accidents, including death, blindness, or disabilities, and even offers free kid's insurance.
4. Allianz Travel Insurance
Irrespective of how you search for the best travel insurance covering hiking, you'll always find Allianz Travel Insurance on the list. As one of the cheapest options for hikers and backpackers in the United States, it's perfect for adventure lovers who travel frequently and want to save on trip costs.
Allianz Travel Insurance provides excellent trip cancellation benefits, ensuring you don't lose your non-refundable funds in case of unforeseen circumstances. They also cover emergency dental and medical expenses during your hiking trip and offer various emergency medical transit options to ensure you receive adequate care.
5. INSUBUY Travel Insurance
For lovers of recreational activities, partnering with INSUBUY Travel Insurance is a great choice. Established in 2000 and located in Plano, Texas, it offers exceptional hiking and mountaineering insurance across the United States.
INSUBUY provides trip protection coverage, including trip delays and interruptions. Their travel insurance plans also offer fantastic health insurance, covering an individual's medical charges and medical evacuation expenses. It's important to note that the medical insurance coverage is limited to altitudes not exceeding 15,000 feet. The price and coverage limits depend on factors such as age, destination, and trekking distance. If your plans involve hiking trails for several days, subscribing to hazardous sports travel insurance might be a better fit.
6. BIG CAT Travel Insurance
BIG CAT Travel Insurance is another top choice for adventurers looking for comprehensive coverage while hiking. Their Standard Policy offers hiking insurance up to 2,500 meters, while the Activity Pack covers walking up to 4,600 meters. For those seeking even more extreme hiking experiences, the Extreme Activity Policy provides coverage above 4,600 meters.
What sets BIG CAT Travel Insurance apart is its generous medical and repatriation cost coverage. The premier policy offers up to €10m, the standard policy provides up to €5m, and more affordable policies offer €2m in coverage. They also ensure baggage protection and provide a 24/7 emergency helpline. In case you need urgent transportation while in the United States, BIG CAT Travel Insurance has got you covered.
7. Travelex Insurance Services
Image source: Travelex Insurance Services
Last but not least, Travelex Insurance Services has been offering cost-effective insurance to users across the United States since 1996. They excel in reimbursing additional travel costs for missed connections and flight delays, ensuring a hassle-free journey.
Travelex Insurance Services offers three policies: Travel Select, Travel Basic, and Travel America. The Travel Select option is ideal for family trips, covering up to $50,000 in medical expenses and providing coverage for sports activities. The Travel Basic policy is designed for individuals in need of a budget-friendly insurance scheme. If you're going on a 14-day vacation, the Travel America plan offers maximum hiking comfort. It includes emergency medical coverage, roadside assistance, coverage for lost gadgets up to $250,000, and more.
FAQs
1. Which Travel Insurance is best for backpackers?
Without a doubt, World Nomads is the go-to brand for backpackers worldwide. It offers comprehensive insurance benefits, including coverage for unplanned trip delays or cancellations, medical expenses, stolen luggage, and more. Keep in mind that certain coverage restrictions may apply, so it's always a good idea to check their website for additional information.
2. Does Travel Insurance cover hiking?
Yes, most travel insurance policies cover hiking to some extent. However, coverage may vary depending on the insurance plan and its specific benefits. Generally, the minimum coverage for hiking is up to 2000 meters. If you plan to hike at higher altitudes, you may need to apply for more comprehensive coverage.
3. Who offers the cheapest travel insurance?
When it comes to affordable travel insurance with various benefits, Allianz Travel Insurance is the way to go. Despite its budget-friendly pricing, it offers coverage for baggage delays, emergency transportation, and more.
4. What is backpacker travel insurance?
Backpacker travel insurance, also known as extendable travel insurance, is designed to provide coverage for longer adventure activities. It's ideal for travelers planning to visit multiple destinations for up to 18 months.
5. Does travel insurance cover trekking?
Absolutely! Travel insurance typically covers trekking as well. Most insurance policies provide coverage for trekking up to 2000 meters in altitude, with some companies offering coverage up to 6000 meters. Be sure to review the terms and conditions of the specific plan you choose.
Conclusion
Hiking is an exciting and pleasurable outdoor activity that allows you to immerse yourself in nature. Regardless of your destination, getting travel insurance is essential. It serves as a safety net, protecting you from unforeseen circumstances and unexpected expenses. In this article, we have explored the seven best travel insurance options for adventure travelers. These brands offer excellent qualities, features, and coverage, ensuring you have a worry-free voyage. So, before you embark on your next hiking adventure, remember to prioritize your safety and choose the travel insurance that best suits your needs.
