Insuring an Expedition
Buying travel insurance for a cruise or a week-long jaunt to France is pretty easy. Just hit up WorldNomads or any of the other great a travel insurers that are out there, and you should be on your way in no time. Buying insurance for something like TME, on the other hand, requires quite a deal more consideration. Here are just a few of the things that make everything a little more complicated:
- I will be carrying thousands of dollars worth of equipment.
- I will be traveling in a country where pretty much any moderate injury requires a medevac.
- I will be riding horses for 90+% of the trip, an activity that carries a reasonable risk of injury.
- I’m unsure as to how long the project will actually last. I could be there only 3 months, or I could be there for 6 or more.
Insuring TME is more like insuring an expedition than a family holiday, and I need to make sure that whatever insurer I choose to go with understands that and won’t try to nickel and dime me on everything. I also need to find an insurer that has experience with SAR (search and rescue) insurance.
How you can help:
If you have any recommendations of insurers to look at, questions I should ask, or policy terms I should look for, I would love to hear them. I really would love any advice at all on travel insurance, as I have never actually purchased it before. If you’re an insurer and you’re reading this and you think that your company would be a good fit, please get in contact with me.